JPH1040449A - Method for carrying forward bankbook by unmanned terminal, and method for issuing new bankbook by unmanned terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for carrying forward bankbook by which a seal impression image can be printed on a carried-forward bankbook when carrying forward the bankbook to a new bankbook by an unmanned terminal. SOLUTION: Concerning this method for carrying forward bankbook, the bankbook under use is carried forward to the new bankbook by an unmanned terminal 1 of an ATM, etc. The unmanned terminal 1 is provided with a scanner 8, the scanner 8 reads a seal impression pressed on a bankbook 3 before carry- forward or written by printing the seal impression image in the case of executing the carry-forward of bankbook and afterwards, the read image of seal impression is printed at the prescribed position of the carried-forward bankbook.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an ATM (Automati
c Tellers Machine), etc. Regarding the passbook transfer method and the new passbook issuing method using an unattended terminal, specifically, an imprint image is written in the seal stamp column of the passbook. Related to the issuance method.

[0002]

2. Description of the Related Art In recent years, financial institutions such as banks have realized labor saving,
Furthermore, in order to improve services by shortening the waiting time, the mechanization is being promoted so that deposits and cash withdrawals can be performed by unmanned terminals. ATM (Cash Dispenser) is one that allows a user to perform such operations as depositing and withdrawing cash using a passbook. In this ATM, in addition to operations such as depositing and withdrawing cash, when the entry field of the passbook used is filled up, create a new passbook, carry over the remaining balance etc. and issue the carryover passbook There is.

Conventionally, when issuing such a passbook, information necessary for creating the passbook is obtained from a host computer to which an unattended terminal is connected, based on identification information such as a store number and an account number written in the passbook before the transfer. A method has been adopted in which a new passbook is issued and issued.

[0004] Also, the creation of a new passbook at a financial institution, that is, the opening of a new account, is usually carried out by face-to-face processing with a contact person during the business hours of the financial institution. As other account opening methods, reception by a mail order service and reception by a personal computer communication are also known.

[0005]

In general, it is necessary to stamp a report stamp on a passbook in addition to the description of necessary information managed by the host computer. Regarding the stamping of the notification stamp, during the business hours of the financial institution, the person in charge of the counter receives the notification stamp from the user and stamps it at a predetermined place on the passbook. However, since the stamp of the notification is performed by the person in charge of the financial institution, even if the bankbook is automatically carried over by ATM, the user must end up with the stamping of the report on this bankbook. Will have to go during business hours of the financial institution. In addition, it is possible to use a passbook that has been automatically carried forward without stamping the registration stamp at the ATM, but in that case, the seal used was forgotten and a seal such as cancellation of the seal was used. There is a possibility that inconvenience may occur when performing a process that requires the use of a.

[0006] Regarding the creation and issuance of a new passbook,
During the business hours of the window, the passbook for dealings is immediately handed over and the recipient (user) can be used. However, the passbook is passed through the mail order service or via PC communication. However, it will be the day after the reception date, and it cannot be used immediately. In order to solve such inconveniences, it is expected that unmanned contract machines (unattended terminals) will become more widespread in the future, and it will be possible to open accounts using the unmanned contract machines. There is an inconvenience that it is not possible to respond to stamping. That is, if it is not possible to seal the report stamp to the passbook, the passbook cannot be used immediately as a result, and the inconvenience in the case of the above-described mail order service or reception by personal computer communication cannot be solved.

[0007] The present invention has been made in view of the above circumstances, and an object thereof is to provide a passbook carrying method capable of printing an imprint image on a carried passbook when carrying the passbook to a new passbook by an unattended terminal. It is an object of the present invention to provide a method for issuing a new passbook by which when a new passbook is issued by a terminal, an imprint image can be printed on the new passbook.

[0008]

Means for Solving the Problems Claim 1 of the present invention
In the passbook carryover method using an unattended terminal described above, a scanner is provided in the unattended terminal, and when carrying out the passbook, the stamp imprinted on the passbook before the carryover or the imprint image printed thereon is read by the scanner. Then, printing the read image of the seal imprint on a predetermined portion of the bankbook after the carryover is the means for solving the above problem.

According to this passbook carryover method, a scanner is provided in the unmanned terminal, and the imprint of the passbook before carryover is read by the scanner, so that it can be printed at a predetermined position of the passbook after carryover. It is possible to save the time and effort of stamping and stamping the passbook after the transfer.

In the passbook transfer method using the unattended terminal according to the second aspect, the image of the seal imprinted and stamped when the passbook is created is registered in the seal registration / inquiry system and communicated to the seal registration / inquiry system. When an unattended terminal is connected via a line and a passbook is carried over, a seal imprint image corresponding to the passbook based on the identification information given to the passbook is registered and referred to via the communication line. Then, the received imprint image is received using a communication line, and thereafter, the received imprint image is printed at a predetermined position of the passbook after the carryover.

According to this passbook transfer method, the image of the seal imprinted and stamped when the passbook is created is registered in the seal registration / inquiry system, and the seal registration / inquiry system is unmanned through the communication line. Connect your device,
By calling the seal image from the seal registration / inquiry system via the communication line, the seal image can be printed at a predetermined position of the passbook after the transfer, and therefore, the time and effort of stamping and stamping the passbook after the transfer can be obtained. Can be omitted.

According to a third aspect of the present invention, in the passbook carrying method using an unattended terminal, a scanner is provided in the unattended terminal, and when the passbook is carried over, a seal stamp or an imprint stamped on an application is read by the scanner. Thereafter, printing the read image of the seal imprint on a predetermined portion of the bankbook after the carryover is the means for solving the above problem.

According to this passbook carryover method, a scanner is provided in an unmanned terminal, and a seal stamp or an imprint stamped on an application form is read by the scanner, and this is printed at a predetermined portion of the passbook after carryover. Becomes possible,
Therefore, it is possible to save the time and effort of stamping and stamping the passbook after the transfer.

In the method of issuing a new passbook by an unattended terminal according to a fourth aspect of the present invention, the unattended terminal is provided with a scanner and a passbook issuing function. The solution to the above problem is to read the seal imprint stamped on the application form with the scanner, and then print the seal image read by the scanner on the seal imprinting portion of the new passbook to be issued.

According to the method for issuing a new passbook, the unmanned terminal is provided with a scanner and a passbook issuing function, and when an application for issuing a new passbook stamped at a predetermined location is received, the application for the new passbook is stamped. By reading the imprint by the scanner, it is possible to print the imprint on the imprint description section of the new passbook that issues the imprint, and thus it is possible to save the time and effort of stamping and stamping the new passbook.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to embodiments. FIG. 1 is a diagram showing an example of an unattended terminal device used in the passbook transfer method by an unattended terminal according to claim 1 of the present invention. In FIG.
It is. This ATM 1 is a publicly-known ATM installed in a financial institution such as a bank, and performs operations such as depositing and withdrawing cash.
This is to enable the user to use a passbook.

That is, when the passbook 3 is inserted into the ATM 1 from the passbook insertion slot 2, the identification information, for example, the store number, the account number, etc., written on the passbook 3 is read by a magnetic tape, a magnetic stripe, or the like. Based on the unit 4 and the identification information read by the reading unit 4, it is possible to specify which account the passbook 3 is registered in the host computer (not shown) and perform the procedure inputted by the user. A processing control unit 5 that determines whether or not the processing is possible and performs the processing when possible, and a printing unit 6 that writes the details of the processing in a passbook are provided.

Further, in the ATM 1, for example, when the description field of the inserted passbook 3 is filled up, a new passbook is created, the balance is carried over to the new passbook, and a carryover passbook issuing device 7 for issuing a carryover passbook. Is provided. The carry-over passbook issuing device 7 writes the same identification information as the identification information described in the previous passbook 3 in the carry-over passbook, and also prints the totals of processes such as deposits and cash withdrawals, and the remaining balance, etc., in the printer unit 6. Is written (printed) at a predetermined location of the carry-over passbook, and then the carry-over passbook is issued.

Further, unlike the conventional ATM 1, the ATM 1 has a built-in scanner 8. This scanner 8
Is an image scanner having an optical sensor, and is a device for directly inputting image information as digital data. That is, this scanner reads the seal imprint of the notification stamp imprinted on a predetermined portion of the inserted passbook 3,
This is stored in a storage unit (not shown) as digitized image data, and the stored image data is transmitted to the printing unit 6 and printed out by the printing unit 6.

Next, using such an unmanned terminal device,
An example of the passbook carryover method according to claim 1 of the present invention will be described. First, it is assumed that the user inserts the passbook 3 into the passbook insertion slot 2 of the ATM 1 and performs a cash withdrawal procedure using an operation unit (not shown). Then, the ATM 1 draws the passbook 3 into a processing room (not shown) following the passbook insertion slot 2 and identifies the identification information (eg, store number, account number, etc.) written on the passbook 3.
Is read by the reading unit 4, and based on the read identification information, the processing control unit 5 specifies which account the passbook 3 is registered in the host computer (not shown).

Subsequently, when the account of the passbook 3 is specified, it is determined whether or not a procedure (in this example, a cash withdrawal procedure) input by the user is possible based on the registered information. When possible, the ATM 1 performs the procedure, and writes (prints) the contents of the procedure and the balance in the passbook 3 by the printer unit 6. If it is not possible, the fact is displayed on the display unit (not shown) of the ATM 1.

At this time, if the passbook 3 can be processed but the inserted passbook 3 is filled with the description fields of the contents of the procedure and the balance, and the passbook cannot be used continuously, the ATM 1 Whether or not to carry out the passbook is displayed on the display unit, and the user's judgment is asked. When the user sees this display and decides to perform the carry-over procedure and inputs the contents of the decision, the ATM 1 once puts out the passbook 3 from the passbook insertion slot 2 and opens the stamped part of the report stamp in the passbook 3 to the user. In this state, an instruction is given to insert the passbook 3 into the passbook insertion slot 2 again.

In response to this instruction, the user opens the stamped area of the seal and inserts the passbook 3 into the passbook insertion slot 2 in that state. Read the imprint. Also, apart from this,
Upon receiving an instruction for the passbook carry-over procedure processing, the passbook issuing device 7 writes the same identification information as the identification information described in the previous passbook 3 in the newly created passbook, and stores it in a host computer (not shown). Based on the information of the past procedures, the totals of the processing such as payment and withdrawal of cash, as well as the balance, are written (printed) by the printer unit 6 at predetermined positions in the bankbook.

Further, the pages of the carry-over passbook are automatically turned by a page feed mechanism (not shown), or the user is instructed to put out the carry-over passbook once and turn the page.
The stamped portion of the notification stamp is opened and inserted again into the passbook insertion slot 2. Then, the imprint image previously read by the scanner 8 is printed by the printer unit 6 on the report stamped portion of the bankbook. Thereafter, the bankbook carrying the imprinted image is sent out from the bankbook insertion slot 2, and the bankbook is issued to the user.

[0025] Therefore, in such a passbook carryover method, it is possible to save the trouble of stamping and stamping the passbook after the carryover, so that the seal can be provided even outside the hours when the window of the financial institution is open. The passbook can be easily carried forward. In the above-described example, the example in which the stamp 8 is read by the scanner 8 is described. However, when the stamp image is printed and the issued passbook is carried over again, it is not the stamp of the report stamp but the printed stamp. The imprint image may be read by the scanner 8 and the image may be recorded in a new passbook.

FIG. 2 is a diagram showing an example of an unmanned terminal device used in the passbook transfer method by an unattended terminal according to claim 2 of the present invention. In FIG. 2, reference numeral 10 denotes an ATM. The difference between this ATM 10 and the ATM 1 shown in FIG.
0 to a seal registration / inquiry system 12 via a communication line 11
Are connected.

That is, the processing control unit 5 of the ATM 10
The host computer 13 is connected via a communication line 11 and is provided with a seal registration / inquiry system 12. The seal registration / inquiry system 12 converts the seal imprint of the report stamp stamped by the passbook user when the passbook was created with an image scanner or the like, registers the data with the identification information of the passbook, and registers the seal imprint from the ATM 10. When an image is requested, an imprint image corresponding to the identification information sent at the same time is searched, and this is transmitted to the ATM 10 via the communication line 11.

Next, using such an unmanned terminal device,
An example of the passbook carryover method according to claim 2 of the present invention will be described. First, when a user newly creates a passbook 3, the user submits a notification stamp used for the passbook 3. Then, the contact person receives this, performs the necessary procedures for creating the passbook, and reads the seal imprinted directly on the passbook or the seal stamped on the prescribed paper etc. with an image scanner etc., The read seal image is registered in the seal registration / inquiry system 12.

When the created passbook 3 is used by the ATM 10, as described in the previous example, the passbook 3 cannot be used continuously and it is necessary to create a carry-forward passbook. When the carry-over procedure is performed, the ATM 10 prepares a carry-over passbook in which the carrying-out passbook issuing device 7 describes the identification information and also describes the balance of the details, as in the previous example. Thereafter or prior to this, the ATM 10 requests the seal registration / inquiry system 12 for an imprint image corresponding to the identification information of the passbook 3. Then, the seal registration / inquiry system 12 receives this, searches for the corresponding seal image, and transmits the obtained seal image to the communication line 1.
1 to the ATM 10. When the imprint image registered in this way is transmitted to the ATM 10, the AT
M10 prints this imprint image on the report stamped portion of the carry-over passbook by print 6. afterwards,
The passbook carrying the imprinted image is transmitted from the passbook insertion slot 2, and the passbook is issued to the user.

Therefore, even in such a passbook carryover method, it is possible to save the trouble of stamping and stamping the passbook after the carryover, and thus, it is possible to provide an imprint even when the window of the financial institution is open. The passbook can be easily carried forward.

Next, an example of the passbook carrying method by the unattended terminal according to the third aspect of the present invention will be described. In this method, the unmanned terminal device used is basically the same as that shown in FIG. However, unlike the previous example, the scanner 8 used in this method does not read the seal imprinted on the passbook before the transfer or the imprint printed with the imprint image. It reads the seal imprinted on a vote or application.

That is, in the present method, when the created passbook 3 is used in the ATM 1, the passbook 3 cannot be used continuously as described in the previous example, and it is necessary to create a carry-forward passbook.
In response to this, if the user carries out the carry-over procedure, the AT
M1 instructs the user to stamp a notification stamp on a predetermined seal or application form. In response to this instruction, the user stamps the notification stamp and inserts the stamped paper (seal stamp or application form) into a paper inlet (not shown) of the ATM 1. Read the seal imprint of the notification stamp stamped on the paper.

Separately from this, in the ATM 1, as in the previous example, the carry-through passbook issuing device 7 prepares a carry-over passbook in which the identification information is written and the detailed balance is described. Thereafter or prior to this, the ATM 1 prints the imprint image of the notification stamp read by the scanner 8 on the print 6.
The printing is performed on the report stamped portion of the bankbook. Thereafter, the bankbook carrying the imprinted image is sent out from the bankbook insertion slot 2, and the bankbook is issued to the user.

Therefore, even in such a passbook transfer method, it is possible to save the trouble of stamping and stamping the passbook after the transfer, so that the seal can be provided even when the window of the financial institution is open. The passbook can be easily carried forward. In addition, according to this method, it is possible to simultaneously perform the receipt of a seal stamp, capture an image of a seal stamp, and transmit / register the seal stamp to a seal registration / inquiry system, thereby reducing the number of processing steps and the cost for human resources. be able to. For example, when converted to a seal stamp registration time as a personal response cost, it is possible to expect a labor saving of about 60 seconds per case in sorting, setting a scanner, reading an image, and registering a seal stamp. It should be noted that claims 1, 2 and 3 of the present invention are not limited to the respective examples described above, but may be, for example, A
The TM may be provided with a protective seal sticking device in advance, and after the imprint image is printed on the carryover passbook, the protective seal may be stuck while covering the imprint image with the protective seal sticking device.

FIG. 3 is a diagram showing an example of an unattended terminal device used in the method for issuing a new passbook by an unattended terminal according to claim 4 of the present invention. In FIG.
M. This ATM 20 is the same as the ATM 1 shown in FIG. 1 in that a user can perform operations such as depositing and withdrawing cash using a passbook, and has a function of issuing a carryover passbook of the ATM 1. Instead, it has a function of issuing a new passbook. That is, the ATM 20 is basically different from the ATM 1 in that a passbook issuing device 21 for issuing a new passbook is provided in place of the carry-over passbook issuing device 7. In addition,
In this example, the scanner 8 in FIG. 3 is basically the same as the scanner 8 in the ATM 1 used in the passbook carry-over method according to the third aspect of the present invention. Is read.

The passbook issuing device 21 is provided with
It is almost the same as that described above, and there is a mechanical application for issuing a new passbook from the input operation unit (not shown) of the ATM 20. An application form for issuing a new passbook, which is input from the input operation section and further has a notification stamp stamped at a predetermined location, is separately provided with a paper inlet (not shown; however, it may be used also as the passbook insertion port 2). When it is entered, the identification information and the like are created on the basis of the input necessary information, and the identification information and the like are written in a new passbook, and the imprint of the notification stamp stamped on the issuance application form is read by the scanner 8, and the read imprint is read. The image is printed on the new passbook by the printing unit 6.

Next, using such an unmanned terminal device,
An example of a method for issuing a new passbook according to claim 4 of the present invention will be described. In this method, when the user operates the input operation unit (not shown) of the ATM 20 to mechanically apply for the issuance of a new passbook, the ATM 20 prompts the user to input necessary items through the input operation unit. To instruct.
Separately, a notification stamp is imprinted on a predetermined portion of a new passbook issuance application form, and an instruction is given to insert the issuance application form into a paper inlet (not shown).

In response to these instructions, the user inputs necessary items and inserts the issuance application stamped with the notification stamp into the paper inlet, and then the passbook issuing device 21 performs the processing based on the input necessary items. The identification information and the like are created by writing in the new passbook, and the imprint of the report stamp formed on the issuance application is read by the scanner 8, and the read imprint image is printed by the printing unit 6 on the new passbook. Have the description printed. Thereafter, the ATM 20 sends out the new passbook with the imprinted image printed out from the passbook insertion slot 2 and issues a new passbook to the user.

Therefore, in such a method for issuing a new passbook, it is possible to save the time and effort required for the person in charge of stamping and sealing when creating a new passbook, thereby saving the time when the window of the financial institution is open. Even outside, a new passbook with an imprint can be easily issued. In this example, similarly to the above-described respective examples, for example, a protective seal sticking device is provided in advance at an ATM, and a seal image is printed on a new passbook. A protective seal may be attached to a state in which is covered.

The unattended terminal device used in each of the above examples is, for example, the A
The passbook issuing device 21 shown in FIG. 3 may be added to the TM so that both passbook transfer and issuing of a new passbook can be performed. Furthermore, in each of the above examples, the case where an ATM is used as an unmanned terminal has been described. However, the present invention is not limited to this, and may be implemented by, for example, a passbook / certificate issuing device (PBI).

[0041]

As described above, the passbook carrying method by the unattended terminal according to the first, second, and third aspects of the present invention automatically prints the imprint image of the notification stamp on the carrying passbook. Therefore, the following excellent effects can be obtained. (B) It is possible to reduce the number of passbooks without seals that should be originally recorded in the passbook, and to reduce inconveniences caused when the used seal is forgotten, such as inquiries from users for notification stamps. . In addition, when a passbook having no seal is used at the counter, the seal check processing for collating with the registered seal stamp is not required, and the working time can be reduced. For example, conventionally, it takes about 47 seconds to perform a seal stamp and a seal check at one's own store.
According to the present invention, the operation that takes about 4.5 minutes to obtain a copy of the seal stamp and check the seal can be completed in about 5 seconds in the present invention. (B) Even when the window of the financial institution is closed, the passbook with the imprint can be easily rolled over and issued, so that services that do not depend on face-to-face business hours at the financial institution can be provided. It is also possible to reduce the duties of window staff. (C) Unmanned operation services using unattended terminals can be further enhanced.

According to the method for issuing a new passbook by an unattended terminal according to the fourth aspect of the present invention, the imprint image of the notification stamp is automatically printed on the new passbook. . (D) The new passbook issued by the unattended terminal can be used immediately, and the service can be further enhanced. (E) It is possible to reduce the costs and shipping costs associated with mailing preparations when sending a new passbook by mail by accepting mail order service or personal computer communication, and also avoid the risk of non-delivery by mail. it can.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of an example of an unmanned terminal device used for carrying out the passbook carryover method according to claim 1 of the present invention.

FIG. 2 is a schematic configuration diagram of an example of an unmanned terminal device used for carrying out the passbook carryover method according to claim 2 of the present invention.

FIG. 3 is a schematic configuration diagram of an example of an unmanned terminal device used to execute the method for issuing a new passbook according to claim 4 of the present invention.

[Explanation of symbols]

 1, 10, 20 ATM 3 Passbook 6 Print section 7 Carry-over passbook issuing device 8 Scanner 11 Communication line 12 Seal registration / inquiry system 21 New passbook issuing device

Claims (4)

[Claims] 1. A passbook carrying-over method for carrying a passbook in use by an unattended terminal such as a cash machine to a new passbook, wherein a scanner is provided in the unattended terminal so that when carrying out the passbook, An unmanned terminal characterized in that an imprint imprinted on a passbook or an imprint image printed on the passbook is read by the scanner, and then the read imprint image is printed at a predetermined portion of the passbook after carryover. How to carry over your passbook. 2. A passbook carrying-over method for carrying over a passbook in use to a new passbook by an unattended terminal such as a cash dispenser or the like, wherein an image of a seal imprinted and stamped in advance at the time of creating the passbook is registered and referred to. And an unattended terminal is connected to the seal registration / inquiry system via a communication line, and when the passbook is carried forward, the passbook is handled based on the identification information given to the passbook. The imprint image to be used is called from the seal registration / inquiry system via the communication line, the received imprint image is received using the communication line, and then the received imprint image is printed at a predetermined position in the passbook after the transfer. A passbook transfer method using an unattended terminal. 3. A passbook carrying-over method for carrying over a passbook in use by an unattended terminal such as a cash machine to a new passbook. Alternatively, a passbook transfer method using a cash dispenser, wherein an imprint stamped on an application form is read by the scanner, and then the read image of the imprint is printed at a predetermined portion of the passbook after transfer. 4. A passbook issuing method for issuing a new passbook by an unattended terminal such as a cash machine, wherein the unattended terminal has a scanner and a passbook issuing function, and issues a new passbook stamped at a predetermined location. Upon receipt of the application form, the unmanned terminal is characterized in that the imprint formed by imprinting on the issuance application form is read by the scanner, and thereafter, the imprint image read by the scanner is printed on the imprint description portion of the new passbook to be issued. How to issue a new passbook.