JPH08329167A - Device for preparing document such as contract document or the like - Google Patents

Abstract

PURPOSE: To provide a document preparing device for a contract document or the like which can frexibly correspond to a format change, a rate change, etc., while executing quick processing. CONSTITUTION: The document preparing device for preparing a contract document by paper including a preprinted part for 'stipulation' and blanks for printing 'card using capitulations' and 'customer's inherent information' is provided with a local computer 110 and a printer 120 arranged in an unmanned store to receive an on-line signal from a host computer and the local computer 110 is constituted of storage parts 113, 114 for storing 'card using capitulations' and 'customer's inherent information' which are not changed in each contract, a receiving part 112 for receiving the contents of 'customer's inherent information' to be changed in each contract and a stored information changing means for changing the stored information of the storage parts 113, 114.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is, for example, for creating a form document to be used for a contract concluded when issuing a card used for financial transactions using a credit card or the like, or when enrolling. It relates to the device.

[0002] In the following, a device used in a transaction card issuing system for financial transactions to which the device of the present invention is typically applied, particularly a contract to be exchanged when issuing a transaction card in an unmanned store. A device used for preparing the document will be described as a typical example.

[0003]

Background of the Invention and Prior Art Transactions such as financial transactions involving money transfer and expense settlement have been conducted face-to-face for a long time, but recently, for example, issued to general consumers (consumers), etc. Transactions using devices such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) for paying out and depositing money with a card, or payment methods using a credit card have become widespread. This is because the transaction person can be identified by communication with the host computer etc. by the information magnetically recorded on the already issued card, and therefore reliable transactions such as cashless payment, payment at mechanized unmanned store, loan, etc. This is because the situation has become possible.

On the other hand, the automation and mechanization of the business of issuing cards used for the above transactions have not been popularized.
The reason for this is that this card is the core of financial transactions (medium for identification and credit status confirmation), so extremely careful handling is required for its issuance, and for the initiation of new transactions A contract (contract renewal, contract change) is necessary because confirmation and qualification examination are required, and double issue prevention is also necessary, and it is necessary to handle it more carefully. The same is also true). Because of the need for careful processing like this, in addition to the application mailing method that takes several weeks to issue the card,
As an immediate issuance method, it was usual that a person in charge such as a card issuer conducts card issuance work in a form of face-to-face examination with a customer who wishes to issue.

[0005] However, if the personal identification, qualification examination, and contract exchange operations can be mechanized and automated while ensuring certainty and reliability, similar to the above-mentioned use of ATM or CD, for example, an unmanned store. Since it is possible to instantly issue a card issuance process with an automatic card issuing device installed in, etc., this allows merchandise to be reduced by mechanization, and customers have the advantage of expanding the utilization opportunities, A proposal has also been made for performing a card issuing operation with an automatic card issuing device (Japanese Patent Laid-Open No. 60-55487).
Japanese Patent Laid-Open No. 5-73584, etc.).

[0006] The outline of the conventional method of issuing a card by an automatic card issuing device will be explained as an example. First, a document such as a driver's license for confirming the customer is taken in as image data by the automatic card issuing device, and this is taken into consideration. The necessary information of the customer is sent to the host computer or the manned processing center, and if the host computer or the manned processing center conducts the required qualification examination and it is determined that the contract can be accepted, the card issuance permission signal is automatically sent. This is a method of online (or partially offline) processing of transmitting to a card issuing device and finally issuing a card. Further, in a store where the card issuing work according to the above procedure is processed unattended, an input means such as a keyboard or a touch panel for inputting necessary customer information, an image scanner, an information transmitting / receiving device, a card issuing device, a display device such as a CRT, etc. , A camera, and if necessary, communication means for communicating with the person in charge at the processing center to respond.

By the way, the above-mentioned card issuing business is an extremely important processing business which is also the origin of the financial transaction initiation on the premise of credit, and therefore, the work of exchanging contracts is included as an indecision.

The exchange of contracts that accompany this card issuing business is an extremely important procedure. Therefore, for example, in the face-to-face examination method card issuance, a pressure-sensitive copy-type multi-leaf spelling in which predetermined items are preprinted is pre-printed. Prepare the contract form document, and enter the contract date, customer data, and
This is done by filling out or printing out information such as the loan limit, card number, etc., making a signature and affixing it in writing, and giving a copy of the leaf to the customer. Further, in the method of issuing a card by the automatic card issuing device, the preprinted document prepared as described above is used, or the contract document of a predetermined format is printed out as described in JP-A-5-73584, After the customer fills in the required fields, etc., this contract is set in the scanner, the image is captured, transmitted, and finally this contract is collected in the collection box.

[0009]

SUMMARY OF THE INVENTION The present invention provides an apparatus for preparing a contract form document suitable for exchanging contracts in accordance with the card issuing business performed by the above automatic card issuing apparatus.

That is, in the conventional method using the preprinted document of the pressure-force copying multi-leaf binding (preprint system), the document in which the required items are preliminarily printed in a predetermined format is prepared in the automatic card issuing device. Must be,
If there is a large administrative burden of replenishing the documents so that there is no excess or deficiency, including the amount consumed due to miswriting, etc., existing documents will be changed due to format changes and required entry items changes. There is a problem that it is extremely wasteful because it is unnecessary and discarded. This change in the items to be stated is a problem that cannot be ignored due to changes in interest rates that have become more likely due to financial liberalization.In addition, the above preprint method is also applicable to the application of individual interest rates according to the creditworthiness of customers. There is a problem that we cannot deal flexibly.

On the other hand, the method of printing all the items described in the contract document each time it is needed has an advantage that the problems of the preprint method can be solved, but it causes a problem that it takes time.

In consideration of the advantages and problems of the conventional method as described above, the present invention takes a relatively long time to perform signal transmission and multiple-step processing with a host computer or a manned processing center. The purpose of the card is to make it possible to process a card issuing business that requires (for example, about 30 to 40 minutes) as quickly as possible. That is, it is possible to provide a document creation device for contract documents or the like that can realize transmission of print information and processing that shortens the time required for printing as much as possible, while taking advantage of the waste of printing method such as discarding documents each time. To aim.

Another object of the present invention is to flexibly respond to format changes, interest rate changes, etc. while realizing the above-mentioned rapid processing, and also flexibly apply individual interest rates according to customer creditworthiness. It is in the area of providing a document preparation device for contracts and the like, which is provided with the corresponding function.

Still another object of the present invention is to issue an automatic card issuing device installed in a number of different places, an automatic card issuing of an unmanned store installed in a remote place, etc. when it is necessary to uniformly change the contents of a contract. Regarding the device, we are also providing a document preparation device for contract documents and the like, which has a function to deal with this change immediately.

Another object of the present invention is to collect a document such as a contract signed by a customer and, if necessary, affixed with a contract, and
A copy including the handwritten signature can be issued to the customer as a copy.

[0016]

The features of the document creating apparatus for contracts and the like according to the present invention that achieves the above objects are as described in each of the above claims. It is a place to provide a document preparation device for contracts and the like having a function.

One of the features of the present invention resides in the document creating device for the contract or the like described in claim 1. That is, the contracts to be concluded are preprinted, and there are blank spaces for printing the "usage guidelines" such as the usage conditions, usage method, and explanation of the contracted content, and the address and name of the customer who is the contracting party. A device for creating documents such as contracts using blanks for printing "customer-specific information" such as blanks, contract dates, contract numbers, etc., and hosts unmanned or manned processing centers. A local computer provided in the automatic card issuing device so as to receive an online signal from the computer, and driven by the local computer to print the "usage guidelines" and "customer-specific information" in the blank for printing. A printer for creating documents such as contracts, and a paper feeder for feeding the paper from the stacker loaded with the above paper to the printer The local computer is provided with a fixed information storage unit for storing print contents of portions of the “usage guidelines” and “customer-specific information” that do not need to be changed for each contract, and a “customer-specific” that is different for each contract. It is configured so as to have a receiving section for receiving the content of "information" from the host computer, a fixed information storage section for these, and a print control section for determining the content to be printed on the above-mentioned paper based on the information read from the receiving section.

[0018] When the contract is exchanged with the issuance of a card such as a so-called cash card or credit card, the above "use guidelines" require borrowing, payment conditions, method, interest rate, explanation, etc. Included accordingly. The "customer-specific information" includes a card number in addition to the above.

The reason why the above configuration is adopted in the present invention is as follows.

That is, in the contract exchanging contract for financial transactions, the part that describes the "card usage requirements" such as borrowing, payment conditions, repayment method, interest rate, etc. (hereinafter referred to as "card usage guidelines entry portion"), Blank area for entering the address, name, etc. of the customer who is the contracting party, and the contract date,
A part that describes the contract number, limit amount, card number, etc. (hereinafter referred to as "customer information description part"), and a part that describes the contract regarding the contract to be entered (hereinafter referred to as "contract rule description part") are required as items to be described. is there.

[0021] By the way, of these items described, it is one of the contracting parties because it is basically necessary to eliminate the part where the description contents change for each contract, that is, the double issuance of the card to the same customer. An address that identifies the customer,
The description of name, card number, contract number, etc. is always changing. On the other hand, contract contracts (contract rules) are basically unchanged items. In addition, repayment methods and interest rate usage requirements associated with the use of cards will not change in the short term, but may change in the medium and long term due to changes in laws and changes in financial markets. In some cases. Moreover, if there is a difference between competing companies, the interest rate will significantly affect the demand for financial products, so it may be necessary to change it within a relatively short period of time due to market trends, etc. In some cases, it may be necessary to take measures to give preferential treatment to interest rates.

As described above, even among the mandatory items in the contract, there is a great difference in the consistency of the contents and the necessity of changing the contents. In the process involving online transmission / reception when performing, it is appropriate to decide how to handle the items described in the part that does not need to be changed and the part that needs different information for each case, considering the request for quick processing etc. Is.

From this point of view, the present inventor adopts the above-described configuration in which the most suitable process for creating a document such as a contract is proportionally divided in consideration of the consistency of the above described items and the necessity of change. Of.

In the above-mentioned configuration, the paper used for creating the contract is not limited, but for example, the contract may be preprinted on the back side and blank on the front side.

The contents of the "Card Usage Guidelines" printed on this form each time a contract is made are determined according to the type of card, the contents of financial transactions, etc. ) Can specify the address, name, etc., contract date, contract number, etc., as well as necessary items such as a limit amount, a written transfer record, etc. depending on the type of card, the content of financial transaction, etc.

The description (company name, company address, etc.) regarding the one of the contracting parties may be preprinted or may be printed each time together with the above "card usage guideline" and "customer-specific information". May be.

In the apparatus having the above-mentioned configuration, the local computer is different for each contract, and the fixed information storage unit for storing the print contents of the "use requirement" and the "customer-specific information" that do not need to be changed for each contract. The customer-specific information is provided from the host computer to the receiver. However, the present invention is not limited to such a configuration, and for example, the fixed information storage unit as a device for issuing a card, a first storage unit for storing print contents of "card usage guideline" and a "customer" It may be provided so as to be separately provided in the second storage unit that stores the format of “unique information”.

In the above structure, the fixed information storage unit, which is a part that does not need to be changed for each contract, or the above-mentioned first storage unit and / or second storage unit, is provided for changing the stored information. The information changing means updates and stores the storage information when receiving the change command and the signal of the change content from the host computer. For example, the first information storage means stores the print content of the “card usage guideline”. Regarding the memory part, borrowing, payment conditions, repayment methods, interest rates, etc., especially interest rates, are important.

In the present invention, the host computer means a computer connected to the local computer of the automatic card issuing device through a communication line. When a network of host computer, relay computer and local computer is formed, the relay computer and host In some cases, both computers are collectively referred to as a host computer. The automatic card issuing device can be installed in a part of a manned store that performs other business, or can be installed in a so-called unmanned store.

The determination of the interest rate may be changed by updating and storing the storage information relating to a certain interest rate, or a plurality of interest rates may be stored in the first storage unit, and this may be commanded by the host computer. You may make it selectable.

The above-described present invention is applied to a transaction system involving business such as card issuance in an automatic card issuing device, and typically, issuance and reissuance of a card such as a credit card, renewal of contract, modification of contract contents, etc. Can be mentioned.

Further, the present invention can be applied to the business of exchanging contracts when a contract is made and a contract is made appropriately, as in the invention described in claim 1.

The present invention described in claim 9 is the apparatus for preparing a contract document, etc. configured as described above, and further, the customer's address in the document of the contract, etc., and the same address, name in the blank space for entering the name. Is characterized by having a copying device for outputting a copy of a document filled out by himself as a copy. The "copying device" may be any device of electronic technology application such as an electrophotographic copying device (generally referred to as "copying machine") and an image reader. It should be noted that this copying machine may also be provided with a collecting device for automatically collecting the original contract document installed for making a copy on the side of the contractor, so that the contract is signed in an automated and unattended state. It is more preferable in terms of application of the device.

According to the invention of claim 9, the signature of the customer's own handwriting, and if necessary, the original of the signed contract,
The document collection device, which is incorporated in the contract document creation device as appropriate, allows the contractor to collect the document, and the contract copy including the signature and seal can be given to the customer as a copy, and the contract between both parties can be concluded. It has the significance of being able to enhance the reliability of confirmation of intentions and confirmation of contract details.

[0035]

According to the present invention, when the contract procedure at the time of enrollment or card issuance is automated or mechanized in the automatic card issuing device, the document for the contract is preprinted only with a fixed description portion. It is possible to print and provide for each contract using the paper.

Further, since the description portion that does not need to be changed for each contract is stored in the storage unit of the local computer arranged in the automatic card issuing device, only the portion that needs to be changed for each contract is stored in the automatic card issuing device from the host computer. Since it is sufficient to transmit the data to the local computer, the required transmission information amount is small and the transmission process can be simplified.

Furthermore, even if the description part is fixed in the short term and does not need to be substantially changed for each contract, if it is necessary to change it in the medium or long term, this is instructed by the host computer. The memory of the local computer can be easily changed and updated, and a large number of automatic card issuing devices and remote stores can immediately perform change processing.

[0038]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to the embodiments shown in the drawings, which are applied as a contract document creating device for credit card issuing operations in an automatic card issuing device (contract booth).

FIG. 1 shows an unmanned store equipped with an automatic card issuing device 101, a manned processing center 2 and a computer center 3.
Of the host computer 301. In this example, the manned processing center 2 includes a plurality of unmanned stores 1
It is connected to the automatic card issuing apparatus 101 installed in the above by a communication line such as ISDN, and is also connected to the host computer 301 of the computer center 3 through the same communication line.

The unmanned store 1 is provided, for example, as a booth in which the automatic card issuing device 101 and the ATM 102 are installed as shown in FIG.

In the manned processing center 2 in this example, a reception terminal 201 connected to the automatic card issuing device 101 of the unmanned store 1 is installed, and a person 202 who operates this reception terminal is resident. The reception terminal 201 has a display device 203 such as a predetermined CRT and an input unit 2 such as a keyboard.
In addition to 04, a TV monitor for observing the customer 103 in the unmanned store 1 and a telephone line for talking and responding to the customer (none are shown) are installed.

Further, a host computer 301 is installed in the computer center 3 and performs processing such as credit check of the customer, judgment of whether the contract is acceptable, registration at the time of contract based on a command from an operator in charge of the manned processing center 2. It is arranged to do. Reference numeral 302 is a database for registering customer information when a contract is made.

The automatic card issuing device 101 installed in the unmanned store 1 is equipped with various devices required for card issuing. In the drawing of this example, the touch display type CRT screen 104 and the card are included. The issuing machine 105, the image reader 106 for the application form and the contract form, and the contract form making device 107 are shown as typical examples.

The business of card issuance using the system connected by the communication line as described above will be briefly described.

First, the customer 103 visits the unmanned store 1,
When you sit in front of the automatic card issuing device 101 by the guidance of an electronic bulletin board or the like, the guidance for issuing the card automatically starts on the touch display 104. Thereby, the customer first applies in accordance with the voice and display from the automatic card issuing apparatus 101.

First, a document such as a driver's license or insurance certificate that can be verified is set in the image reader 106, and the person in charge 202 of the manned processing center 2 confirms it.

Next, the customer 103 fills in the necessary items in the loan application form prepared in advance (or may be printed each time), sets it in the image reader 106 and sends it to operate the manned processing center 2. The person in charge 202 confirms this.

At the manned processing center 2, the customer's credit information, work status, etc. are confirmed using the host computer or the like by means of this loan application form and driver's license. During this period, the customer inputs necessary customer information in accordance with the guidance displayed on the touch display type CRT screen 104.

If the contract is accepted as a confirmation result,
The person in charge 202 of the manned processing center 2 credits the customer, and also transmits a contract preparation command and necessary information to the contract preparation device 107 of the automatic card issuing device 101.

The automatic card issuing apparatus 101 prints and creates a contract according to a predetermined procedure and outputs it to the customer. The customer describes the necessary items (signing his / her own address and name if necessary) in this contract, sets it in the image reader 106 and sends it, and the person in charge of operation 202 of the manned processing center 2 confirms this. To do. Note that this contract is automatically taken into a storage box or the like by a collection device (not shown).

After the confirmation by the person in charge of operation 202 of the manned processing center 2, the card issuance is issued by the card issuing machine 10.
5, the card is issued.

As described above, the card issuing business is completed, and the customer who obtains the card can carry out the cashing at the ATM 102 if necessary.

In the above work, a command for creating a contract,
And the automatic card issuing device 101 to which necessary information is transmitted
The operation of the contract document creating apparatus 107 will be described.

As shown in FIG. 3, the contract document creating apparatus 107 of the present example has a local computer 110 and a printer 1.
20 and the local computer 110 is
A reception unit 112 that receives the print command and print information from the host computer, and a print control unit 115 that reads out predetermined storage information from the first storage unit 113 and the second storage unit 114 by a signal from the reception unit 112 are provided. I have it.
In addition to the print command and the control signal such as reading from the storage unit, the receiving unit 112 receives "customer-specific information" from the host computer such as a contract number and a borrowing limit amount.
Is also received, and this is directly used as print information in the print control unit 115.

The first storage section 113 is provided so as to store in advance the contents to be printed regarding the "card usage guideline". Specifically, the borrowing interest rate, the interest calculation method, the payment date, and the like.

The second storage section 114 stores the format (for example, frame, layout, card number, etc.) of the "customer-specific information". The contract date information may be set by a timer or the like.

The print information determined by the print control unit 115 as described above is stored in the printer 120 (printer 1 in FIG. 1).
07) and is sent to the driving unit 121, and a contract document is printed by the printing unit 122 such as a laser beam printer.

In this example, reference numeral 11 in FIG.
A second receiving unit indicated by 1 is provided, which constitutes a storage information changing unit from the host computer.
That is, for example, the interest rate of the “card usage requirements” stored in the first storage unit 114 may be changed as described above, and the change instruction and the change content therefor are received, The storage content of the first storage unit 114 is changed and updated and saved. Although the second receiving unit 111 is shown separately from the receiving unit 112 for convenience of description, it may be a single unit.

FIG. 4 is a flow chart showing a printing procedure performed by the above contract document creating apparatus 107. As described above, the print command from the host computer is received by the receiving unit 11.
When the print data is transmitted to the printer 2 (step 1), the print control unit 115 reads out necessary storage information (print contents such as basic format and description information) from the storage units 113 and 114 (step 2), and prints the base format. Create data (step 3). Then, the individual information of transmission from the host computer (customer-specific information required for each contract; card number, loan limit, etc.) is added to this (step 4), and the final print information is used as the printer. Drive unit 121 of 120
Is sent to the customer and printed by the printing unit 122 of the printer 120, which is supplied with one sheet of paper from a stacker (not shown) in which a large number of contract papers whose contracts are pre-printed are stacked. It is output (step 5).

FIG. 5 shows the contract document 5 punched out in this way, and (a) shows the back surface 50 of the prepared preparation.
1 shows the part of the contract that was preprinted,
(B) is a blank (blank sheet) in the state prepared in advance, but the drawing shows the front surface 502 in a state printed when necessary. In FIG. 5, A to D represent the contract number (A), the borrowing limit (B), the contract date (C), and the card number (D) as the customer-specific information. All may be transmitted from the host computer, or some (eg contract date) may be processed by the local computer. Further, (E) shows a column for describing the customer's address and name. The blank format and the above (A) to
The format and the like of the information entry column of (D) are stored in the second storage unit 113.

Further, in this example, the interest rate in the (F) column stored in the first storage unit 114, which is the information of the "card usage requirement", is used by the second receiving unit 11 which constitutes the storage information changing means.
It is assumed that 1 can be changed and updated as described above.

The contract printed and output as described above is
As shown in Fig. 4, the customer's address, full name, signature,
Marking is done (step 6), and this is read by the image reader 106.
, The image is read (step 7), the original is taken into a collection box (not shown) (step 9), and the copy is output as a copy of this original.

In this example, as described above, only the interest rate of the first storage unit can be changed and updated by a signal from the host computer, but this may be changed. , Not only the first storage unit,
The second storage unit may be changeable.

[0064]

According to the present invention, it takes a relatively long time (for example, 30 to 4) to perform signal transmission and a multi-step processing with a host computer or a manned processing center.
There is an effect that it is possible to realize rapid processing that shortens the time required for communication of printing information and printing itself, while taking advantage of the printing method every time when there is no waste such as document discarding for card issuing work that requires about 0 minutes).

Further, while realizing the above rapid processing,
At the same time, it is possible to flexibly respond to format changes and interest rate changes, and also to flexibly respond to application of individual interest rates according to customer creditworthiness.

Further, when it is necessary to uniformly change the contract content, the automatic card issuing device installed in a number of different places and the automatic card issuing device installed in a remote place are also immediately dealt with this change. The effect of being able to be obtained is obtained.

[Brief description of drawings]

FIG. 1 is a diagram showing a relationship with host computers of an unmanned store, an attended processing center, and a computer center in which an automatic card issuing device is installed for explaining an outline of an embodiment to which the present invention is applied.

FIG. 2 is an explanatory diagram showing an outline of the automatic card issuing device of FIG.

FIG. 3 is a diagram showing a configuration outline of a contract document creating device incorporated in the automatic card issuing device of FIG.

FIG. 4 is a flowchart for explaining a procedure of printing work performed by the apparatus of FIG.

FIG. 5 is a diagram showing a printed contract requirement document.

[Explanation of symbols]

1 ... unmanned store, 101 ... automatic card issuing device,
102 ... ATM, 103 ... Customer, 104 ...
Display device, 105 ... Card issuing device, 106 ... Image reading device, 107 ... Contract creation device, 110
... local computer, 111 ... second receiving unit, 112 ... receiving unit, 113 ... second storage unit, 1
14 ... First storage unit, 115 ... Print control unit, 12
0 ... printer, 121 ... drive unit, 122 ...
Printing department. 2 ... Manned processing center, 201 ... Reception terminal, 202 ... Person in charge, 203 ... Display device, 2
04 ... Input means. 3 ... Computer Center, 301.
..Host computer, 302 ... Database.

Claims (9)

[Claims] [Claim 1] The contracts to be concluded are preprinted, and the blanks for printing the "usage guidelines" such as the usage conditions, usage methods, explanations, etc. of the contracted content, and the address and name of the contracting customer. It is a device for creating documents such as contracts using blank spaces for printing "customer-specific information" such as blank space for filling in, contract date, contract number, etc. A local computer installed in an unmanned store so as to receive an online signal from the host computer of the center, and driven by the local computer to print the "usage guidelines" and "customer-specific information" in the blank space for printing. A printer for creating a document such as a contract, and a paper feed unit for feeding the paper from the stacker loaded with the paper to the printer. The local computer has a fixed information storage unit that stores print contents of the portions of the "usage guidelines" and "customer-specific information" that do not need to be changed for each contract, and "customer-specific information" that is different for each contract. And a print control unit that determines the content to be printed on the above-mentioned sheet based on the information read from the fixed information storage unit and the receiving unit. A document preparation device for contracts. 2. The fixed information storage unit according to claim 1, wherein the local computer stores print contents of a portion of the “usage guidelines” and / or “customer-specific information” that does not need to be changed for each contract. In order to change the stored information of the above, the contract document characterized by having a stored information changing means for updating and storing the stored information of the fixed information storage unit when receiving a change command and a signal of the changed content from the host computer. Document creation device such as. [Claim 3] The contracts to be concluded are preprinted, and there are blank spaces for printing "card usage guidelines" such as conditions, methods, interest rates, explanations, etc. for borrowing and payment, and the address of the customer who is the contracting party. A device for creating a document such as a contract using a blank space for printing out "customer-specific information" such as blank space for entering a name, contract date, contract number, card number, etc., A local computer provided in an unattended store to receive an online signal from a host computer of an unmanned or attended processing center; and driven by the local computer,
A printer that prints "card usage guidelines" and "customer-specific information" in the blank for printing to create a document such as a contract, and a paper feed that feeds the paper from the stacker that stacks the above paper to the printer. Paper means, and the above-mentioned local computer is the above "card usage guideline"
A first storage unit for storing the print contents of the above, a second storage unit for storing the above-mentioned "customer-specific information" format, a receiving unit for receiving the contents of the "customer-specific information" from the host computer, and 2 a print control unit that determines the content to be printed on the paper based on the stored information and the received information read from the storage unit, and from the host computer to change the stored information in the first storage unit and / or the second storage unit. Storage information changing means for updating and storing the storage information of the first and second storage portions when receiving a change command and a signal of change contents,
A document preparation device for contracts and the like, characterized by being configured to have. 4. In claim 3, “card usage requirements”
Is the borrowing requirements including the borrowing interest rate, the delayed interest rate, the repayment method, and the repayment amount, and the content of the "customer-specific information" is the first
A contract document or the like characterized by the stored information which is the format of the contract party information description column read from the storage unit and the reception information from the host computer such as the contract date, the contract number, the card number, and the maximum borrowing amount. Writing device. 5. The storage information changing means for updating and storing the storage information of the first storage unit for storing the print content of the “card usage guideline” according to claim 3 or 4, wherein at least the borrowing interest rate is changed. A document preparation device for contracts and the like. 6. The print control unit according to claim 3, wherein the borrowing and payment interest rates of the stored information read from the first storage unit are replaced with the borrowing interest rates received from the host computer, and printed on paper. A document preparation device for contracts and the like characterized by deciding what should be done. 7. The printing control unit according to claim 3 or 4, wherein one of a plurality of loan interest rates set in the first storage unit is selected and read by a command from a host computer. A document preparation device for characteristic contracts. 8. The method according to claim 3, wherein
As for the paper, the contract of the contract to be signed is preprinted on the back of the paper, and the blanks are provided on the front of the paper for printing the "card usage guidelines" and "customer-specific information". Writing device. 9. The method according to claim 1, wherein
Characterized by having a copying device that outputs a copy of the customer's address in the document such as the contract printed on the above-mentioned form, the same address in the blank space for entering the name, and the document in which the name is written by hand as a copy Document creation device for contracts, etc.