JPH0962906A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily take out a receipt, a card, etc., which are left untaken. SOLUTION: This machine is provided with a card carrying path 34, reading means 35 and 36 arranged along the card carrying path 34 to read information in the card 11c, a transaction means executing transaction based on information read by the reading parts 35 and 36, a card temporarily holding part 66 formed by branching from the card carrying path 34 to temporarily store the card 11c, a switch means 60 arranged at the branch point of the card carrying path 34 and the card temporarily holding part 66, a discharging port 33a through which the card 11c is discharged after the finish of the transaction, a forgetting- to-take detection means detecting the card 11c forgotten to be taken out, and a card holding means switching the switch means 60 at the time of detection the card 11c forgotten to be taken out and carrying the card 11c to the card temporarily holding part 66.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus which is used in a financial institution or the like and mainly performs transactions by using a card and issues a receipt as a transaction statement.

[0002]

2. Description of the Related Art Conventionally, in an automatic transaction apparatus used in a financial institution or the like, a card is mainly used for transaction, and a receipt as a transaction statement is issued. Then, the automatic transaction device reads the data recorded on the magnetic stripe of the card inserted by the customer, matches the data with the personal identification number entered by the customer, performs the transaction according to the transaction instruction of the customer, and then performs the transaction. A detailed receipt is issued, and the receipt and the card inserted by the customer are discharged to the discharge port.

However, the receipt discharged to the discharge port,
If the customer forgets to take the card, etc. and leaves it as it is, the next customer cannot make a transaction. Therefore, after a certain period of time, the automatic transaction device takes in the receipts, cards, etc. that have been forgotten to the internal take-in section, accumulates them, and waits for the next transaction.

[0004]

However, in the above-mentioned conventional automatic transaction apparatus, since the taking-in portion is formed outside the conveyance path so as not to hinder the next transaction, the taking-in portion is taken in. When returning receipts, cards, etc. accumulated in the department according to a customer's instruction, the automatic transaction device must be stopped (temporarily) and taken out.

Depending on the type of automatic transaction device, after pulling out a unit in the automatic transaction device to the outside,
Since the receipt, the card, etc. must be taken out from the unit, the next transaction cannot be performed during that time, and the operability is deteriorated. SUMMARY OF THE INVENTION It is an object of the present invention to solve the problems of the conventional automatic transaction apparatus and to provide an automatic transaction apparatus which can easily take out a receipt, a card or the like that has been forgotten.

[0006]

To this end, in the automatic transaction apparatus of the present invention, a card transport path for transporting a card, and a reading means arranged along the card transport path for reading information on the card, Transaction means for performing a transaction based on the information read by the reading means, a card temporary holding section formed by branching from the card transport path for temporarily storing a card, the card transport path and card temporary hold A switching unit disposed at a branch point from the unit for switching the conveying direction, a discharge port for discharging the card after the transaction is completed, and detecting that the card discharged to the discharge port is forgotten It has a forget-to-take detection means, and a card holding means that switches the switching means and conveys the card to the card temporary holding section when it is detected that the card has been taken out.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In this embodiment, for example, an automatic transaction device used in a financial institution such as a bank will be described. FIG. 1 is a schematic diagram of an automatic transaction device according to an embodiment of the present invention.

As shown in the figure, the automatic transaction apparatus 11 has a card processing section 11a and a receipt handling section 11b.
The card processing unit 11a has a card insertion / ejection port 33a as an ejection port, a card conveyance path 34, and passage sensors 13a to 13c arranged on the card conveyance path 34 for detecting passage of the card 11c. A card reader 35 and an embossed reader 3 as reading means along the card transport path 34 in the insertion direction of the card 11c.
6 are configured.

The card reader 35 reads the magnetic stripe of the card 11c by the magnetic head 50, and the emboss reader 36 optically reads the embossed characters formed by embossing on the card 11c by the image sensor 51. Then, after the reading result of the emboss reader 36 is recognized by a recognition circuit (not shown), it is sent to the journal printer section through a control means (not shown).

Further, 66 is formed by branching from the card carrying path 34, and a card temporary holding section 60 for temporarily holding the forgotten card 11c is arranged so as to be switchable, and the card 11c is carried in the carrying direction. 61 as a switching means for switching the card, 61 is a carrying roller for carrying the card 11c to the card temporary holding section 66, and 62 is the carrying roller 6
1 is a sensor for detecting that the card 11c conveyed by 1 has been accumulated, and 68 is for when the next forgotten card 11c is forgotten after the forgotten card 11c is accumulated in the card temporary storage unit 66. Is a card loading unit for loading the cards 11c stored in the card temporary holding unit 66.

On the other hand, the receipt handling section 11b has a receipt transport path 44, a receipt transport path 47 formed by branching from the receipt transport path 44, and a receipt transport path 4.
4 and 47, which have pass sensors 14a to 14d and 15a to 15d for detecting the passage of a receipt (not shown). The receipt paper storage sections 39a and 39b and the rollers 40a are provided at the transport entrance of the receipt transport path 44. 40b, and further, a cutter knife 43 and a receipt printer unit 31 are provided in the receipt conveying path 44 from the upstream side to the downstream side in the receipt conveying direction.

At the connecting position between the receipt transport paths 44 and 47, a blade 45 is arranged as a switching means for switching the receipt transport direction. Further, a receipt loading section 46 is arranged at the end of the receipt transport path 47. The receipt loading unit 46 receives a receipt on which an error code is printed due to a failure or the like. At the center of the bottom surface of the receipt paper storage portions 39a and 39b, recesses 39c and 39d are formed as shown in the figure, and roll-shaped receipt papers 38a and 38b are respectively provided in the recesses 39c and 39d. It is stored.

By the way, when the receipt handling unit 11b is attached to the automatic transaction device 11, the receipt handling unit 11b is pushed in the direction of arrow E, and at this time, an impact force is generated, but the depressions 39c and 39d are formed. Therefore, the receipt papers 38a and 38b do not jump out from the receipt paper storage units 39a and 39b. Also, the receipt paper storage unit 39
Since a and 39b are arranged in parallel at two locations, for example, when all of the receipt paper 38a in the receipt paper storage unit 39a is delivered, the roller 40b is rotated and the receipt paper 38b for replenishment is delivered. It is possible to prevent the automatic transaction device 11 from being discontinued due to the receipt being exhausted.

Then, the cutter knife 43 cuts the receipt papers 38a and 38b fed from the receipt paper accommodating portions 39a and 39b each time the transaction is completed.
The receipt papers 38a and 38b are formed of heat-sensitive paper, and the outer surface in the roll state is formed with a coloring surface 38c that develops color when heat is applied. The receipt printer unit 31 includes a thermal head 41 and a platen 42 arranged to face the thermal head 41.
1 prints on the color development surface 38c side of the receipt papers 38a and 38b according to the transaction data.

Reference numeral 67 denotes a receipt temporary holding unit that is formed by branching from the receipt conveying path 44 and temporarily holds a receipt that has been forgotten to be taken to the receipt discharge port 33b.
Reference numeral 63 denotes a blade that is arranged so as to be switchable and serves as a blade as a switching unit that switches the conveyance direction of the receipt, 64 is a conveyance roller that conveys the receipt to the receipt temporary storage unit 67, and 65 is a receipt that is conveyed by the conveyance roller 64. It is a sensor that detects the accumulation. FIG. 2 is a control block diagram of the automatic transaction device in the embodiment of the present invention.

In the figure, 11c is a card and 11a is a card processing section. The card processing section 11a includes a card reader 35, an emboss reader 36, and a card temporary holding section 66.
And a card take-in section 68. Further, 38a is a receipt paper, 11b is a receipt handling section, and the receipt handling section 11b is composed of a receipt loading section 46, a receipt temporary holding section 67 and a receipt print issuing section 69, and the receipt print issuing section 69 is a cutter. The knife 43 (FIG. 1), the receipt printer unit 31, the receipt conveyance paths 44, 47, etc. are provided.

Reference numeral 70 denotes a touch panel, a customer operation / display unit as an operation means operated by a customer, a clerk, etc., 71 a control unit for supervising each element of the automatic transaction apparatus 11, 72 a customer's receipt, This is a storage unit in which data such as the status of forgetting to remove the card 11c and the staff ID is stored. The data stored in the storage unit 72 can be updated as needed.

Next, the operation of the automatic transaction device 11 having the above-mentioned structure will be described. First, after the receipt paper 38a is stored in the receipt paper storage portion 39a, when the leading end of the receipt paper 38a is inserted into the roller 40a, the roller 40a is rotated by the driving means (not shown), and the receipt paper 38a is fed out to wait for a transaction. become. After that, the customer inserts the card 11c into the automatic transaction device 1 from the card insertion outlet 33a.
When the card 11c is inserted into the card 1, the card 11c is conveyed through the card conveying path 34, the data of the magnetic stripe is read by the card reader 35, and the embossed character of the card 11c is read and recognized by the emboss reader 36.

Next, when the customer operates the customer operation / display unit 70 and inputs desired transaction data according to the voice and guidance of the automatic transaction apparatus 11, the automatic transaction apparatus 11 transfers the transaction data to a higher-level device (not shown). Send. The higher-level device transmits an operation processing instruction corresponding to the transaction data to the control unit 71 of the automatic transaction device 11. As a result, the transaction means (not shown) of the automatic transaction device 11 performs processing such as deposit transaction and withdrawal transaction based on the transmission content.

Further, the receipt paper 38a is a cutter knife 4
The sheet is cut by 3 to form a single-cut receipt, and the transaction details are printed on the receipt by the thermal head 41 of the receipt printer unit 31. Then, when the transaction content is printed, it is conveyed to the receipt conveying path 44 and discharged from the receipt discharge port 33b. On the other hand, the card 11c is transported through the card transport path 34 after the content of the magnetic stripe is updated, and is discharged from the card insertion / discharge port 33a at the same time as the receipt.

Here, if the customer forgets to take the receipt, the card 11c, etc., a not-yet-taken-forgetting detection means such as an optical sensor provided in the card insertion / ejection port 33a and the receipt ejection port 33b detects it, and The blades 60 and 63 are switched by a card holding means or a receipt holding means (not shown) of the control unit 71. As a result, card 11
c is conveyed to the card temporary storage unit 66, and the receipt is stored to the receipt temporary storage unit 67, respectively.

Then, when the next customer forgets to take the receipt, the card 11c, etc., the card 11c stored in the card temporary holding section 66 is stored in the card receiving section 68 and the receipt temporary holding section 67. The received receipts are loaded into the receipt loading unit 46, respectively, and the next card 11
c is conveyed to the card temporary storage unit 66, and the next receipt is stored and stored in the receipt temporary storage unit 67.

In this way, the card 11 that the customer forgets to take
Since c can be stored in the card temporary holding unit 66 and the receipt can be stored in the receipt temporary holding unit 67, the next transaction can be performed. The card 11c and the receipt, which are respectively taken into the card taking-in section 68 and the receipt taking-in section 46, are taken out by the operation of a staff member as in the conventional case.

Further, since the card temporary holding section 66 is formed in the vicinity of the card insertion / ejection port 33a and the receipt temporary holding section 67 is formed in the vicinity of the receipt ejection port 33b, the accumulated receipts, cards 11c, etc. can be easily taken out. The return operation time can be shortened. The card loading unit 68
It is also possible to dispose a card temporary storage section 66 in the middle of the card transport path 34 connected to the receipt transfer section 47 and a partial receipt section 67 in the receipt transport path 47 connected to the receipt loading section 46. In this case, the transport drive system needs to be independent.

The card 11c and the receipt stored in the card temporary holding unit 66 and the receipt temporary holding unit 67, respectively, are input by the staff operating the customer operating / displaying unit 70 and inputting the medium ejection code. The card is ejected from the card insertion ejection port 33a and the receipt ejection port 33b. In this case, since it is not necessary to stop the automatic transaction device 11, it is possible to immediately bring the automatic transaction device 11 into a tradeable state without waiting for the next customer.

Next, the discharge operation of the card 11c and the receipt accumulated in the card temporary storage section 66 and the receipt temporary storage section 67 will be described. FIG. 3 is a flow chart showing an operation of discharging a receipt, a card, etc. according to the embodiment of the present invention. Step S1 Wait for the attendant to insert the ID card. Step S2 Enter the staff ID. In step S3, it is determined whether or not the matching results of the ID data read from the ID card and the input ID match. If the collation results match, the process proceeds to step S6. If the collation results do not match, the process proceeds to step S4. In step S4, it is determined whether or not the number of times exceeds (for example, the collation results do not match twice or more). If the number of times is over, the process proceeds to step S5, and if the number of times is not over, the process returns to step S2. Step S5 The clerk removes the ID card and ends the process. Step S6 The clerk displays the operation screen of the customer operation / display unit 70 (FIG. 2). Step S7 It is selected whether the card 11c or the receipt. In this case, the clerk hears the type from the customer and operates the customer operation / display unit 70 to input it (the search of the transaction data in the storage unit 72 is started). Step S8 The clerk confirms the customer by listening to the customer's address, name, etc. In step S9, a confirmation input request is made. In this case, the customer information corresponding to the card 11c or the receipt accumulated in the card temporary holding unit 66 or the receipt temporary holding unit 67 is pulled out from the storage unit 72 and displayed. Then, the staff member performs confirmation work (interview) with the customer. Step S10: It is judged whether or not the confirmation result is good. If the confirmation result is good, the process proceeds to step S11. If the confirmation result is not good, the process returns to step S6. Step S11 The card 11c or the receipt is discharged from the card insertion discharge port 33a or the receipt discharge port 33b. Step S12 The clerk returns the ejected card 11c or receipt to the customer. Step S13 The clerk ejects the ID card. Step S14: Update the transaction record. In this case, the forgetting information in the storage unit 72 is updated (execution record of the return operation). Step S15: Return to the operation screen to activate the operation, and then resume the operation.

The present invention is not limited to the above-mentioned embodiments, but can be variously modified within the scope of the present invention, and these are not excluded from the scope of the present invention.

[0028]

As described in detail above, according to the present invention, in the automatic transaction apparatus, the card transport path for transporting the card and the card transport path which is arranged along the card transport path and reads the information of the card A reading means, a transaction means for conducting a transaction based on the information read by the reading means; a card temporary holding section formed by branching from the card transport path for temporarily storing a card; and the card transport path. And a card temporary holding section are arranged at a branch point to switch the conveying direction, a discharge port for discharging the card after the transaction is completed, and a card discharged to the discharge port is forgotten. And a card holding means for switching the switching means to convey the card to the card temporary holding portion when it is detected that the card is left behind.

In this case, if the card discharged to the discharge port is forgotten, the switching means is switched, and the card is conveyed and stored in the card temporary storage unit. Therefore,
The next transaction can be performed as it is without the need to stop the automatic transaction device.

[Brief description of drawings]

FIG. 1 is a schematic diagram of an automatic transaction device according to an embodiment of the present invention.

FIG. 2 is a control block diagram of the automatic transaction device in the embodiment of the present invention.

FIG. 3 is a flowchart showing a discharging operation of a receipt, a card, etc. according to the embodiment of the present invention.

[Explanation of symbols]

 11 Automatic transaction device 11a Card 31 Receipt printer section 33a Card insertion / exit port 33b Receipt exit port 34 Card transport path 35 Card reader 36 Emboss reader 44, 47 Receipt transport path 45, 60, 63 Blade 46 Receipt loading section 66 Card temporary hold Part 67 Receipt Partial Hold Part 68 Card Import Part 70 Customer Operation / Display Part

Claims (5)

[Claims] 1. A card transport path for transporting a card, (b) a reading unit arranged along the card transport path for reading information on a card, and (c) a reading unit for reading the information. Trading means for trading based on information,
(D) a card temporary holding unit that is formed by branching from the card carrying path and temporarily stores a card; and (e) disposed at a branch point between the card carrying path and the card temporary holding unit,
Switching means for switching the carrying direction, (f) an outlet for ejecting the card after the transaction is completed, and (g) forgetting detection means for detecting that the card ejected at the outlet has been forgotten And (h) a card holding means for switching the switching means and carrying the card to the card temporary holding portion when it is detected that the card has been forgotten to be taken. 2. The automatic transaction device according to claim 1, wherein the card temporary holding unit is arranged in the vicinity of the outlet. 3. The card take-up section according to claim 1, further comprising a card take-in section for taking in the card accumulated in the card temporary holding section when the forget-to-take detection means detects that the next card has been forgotten. Automatic transaction equipment. 4. The automatic transaction apparatus according to claim 1, wherein when the medium ejection code is input by operating the operation means, the cards stored in the card temporary holding unit are ejected. 5. A receipt conveying path for conveying a receipt, (b) a printing unit arranged along the receipt conveying path for printing the contents of a transaction, and (c) a branch from the receipt conveying path. A receipt temporary holding section for temporarily storing receipts, and (d) switching means arranged at a branch point between the receipt conveying path and the receipt temporary holding section for changing the conveying direction; An outlet from which a receipt is discharged after the transaction is completed, (f) a forgetting detection unit that detects that the receipt discharged to the outlet is forgotten, and (g) a receipt is forgotten The automatic transaction apparatus according to claim 1, further comprising: a receipt holding unit that switches the switching unit and conveys the receipt to the receipt temporary holding unit when it is detected.