JPH1091833A - Card transaction machine and automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card transaction machine in which a processing operation related with the collecting and returning operation of cards housed in a housing tray part can be stabilized, and the processing time can be shortened, and an automatic transaction device which can be stably operated by integrating this card transaction machine. SOLUTION: At the time of returning and collecting cards temporarily stored in a housing tray 38, the housing tray 38 is adjusted to a returning or collecting position under the control of a tray vertical motion motor 48, and a returning lever 45 and a collecting lever 47 are operated by operating the forward and backward rotation of a switching motor 42. Then, the returning and collecting operation is ended. Thus, the load of control can be reduced, and the number of actuators can be decreased by providing only one switching motor 42.

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 such as an automatic teller machine (ATM) which is installed in a card corner of a financial institution and performs a transfer transaction using a card in a self-service manner, and the automatic transaction apparatus. The present invention relates to a card transaction machine incorporated in a computer.

[0002]

2. Description of the Related Art In ATMs of financial institutions, cash cards and credit cards are used, and magnetic cards in the form of paper cards used for special purposes, such as a bank transfer card, are widely used. This is essential in everyday life.

[0003] For example, when a user makes a transfer transaction by using an ATM, if there is no transfer card, the transfer data must be manually input. At the end of the transaction, a transfer card storing the manually input data is required. Issued (whether or not issuable is determined by the user). If the transfer card issued here is used, it is not necessary to manually input the above-described transfer data at the time of the next transfer transaction, and the transfer transaction is simplified.

[0004] A card transaction machine is incorporated in an ATM to handle such cards as a transfer card. This card transaction machine has a card slot for taking in and out cards, a storage tray section for temporarily storing cards, a transport section for transporting cards to a storage tray section, a collection section for recovering forgotten cards, and the like. Is configured.

Here, the storage tray section for temporarily storing the cards has a two-tiered tray structure, so that different types of cards can be stored in each row.

To return a card temporarily stored in the storage tray to, for example, a card slot, first, the entire storage tray is moved up and down by an elevator mechanism to the level of the tray storing the card to be returned. Then, the height of the step of the tray storing the cards to be returned is adjusted to the height of a predetermined transport path leading to the card slot. Then, a mechanism is used in which the card stored in the tray whose height has been adjusted is kicked out toward the transport path using an external return lever.

[0007]

However, in a card transaction machine incorporated in an ATM or the like as described above, the collection section for collecting cards is located directly below the storage tray section. A card that is temporarily stored cannot be immediately collected in the collection section. That is, when collecting the cards stored in the storage tray section in the collection section, the cards in the storage tray section are once sent to a transport path that continues to the card opening, and then the storage tray section is released above the transport path, It had to go through a complicated collecting operation of sending the card in the transport path to the collecting section. For this reason, there is a problem that a long time is lost in the recovery operation.

[0008] Further, at the time of the collecting operation as described above, the card must be once sent from the storage tray to the transport path, so that the jam of the card or the like rarely occurs between the storage tray and the transport path. And the reliability of the recovery operation is low.

Further, as described above, since a complicated collection operation is conventionally required, there has been a problem that it takes time to switch between a card return operation and a card return operation.

Therefore, the present invention has been made in view of the above circumstances, and it is possible to stabilize the processing operation related to the collection and return operations of the cards stored in the storage tray unit and to shorten the processing time. It is an object of the present invention to provide a card transaction machine and an automatic transaction device that operates stably by incorporating the card transaction machine.

[0011]

To solve the above-mentioned problems, a card transaction machine of the present invention and an automatic transaction apparatus to which the card transaction machine is applied are provided with a card slot for inserting and removing a card used for card transaction processing, A transport roller for transporting the card in a transport path following the card slot, a storage tray including a plurality of stages for temporarily storing a plurality of cards transported by the transport roller, and a tray disposed on a side of the storage tray. A collection box for collecting the cards stored in the storage tray, up and down movement means for vertically moving the storage tray comprising the plurality of stages, and according to the height of the storage tray moved up and down by the up and down movement means, A collection lever that pushes and conveys the cards stored in the storage tray into the collection box, and a height of the storage tray that enables the collection lever to collect the cards. And having a height control means for controlling the vertical movement means so.

When the cards in the storage tray are to be collected, the height of the storage tray, in which the cards to be collected are stored, of the collection box arranged on the side of the storage tray by the vertical movement means can be collected. The card can be collected immediately by simply pushing and conveying it with the collection lever.

[0013]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is an external perspective view showing an automatic transaction apparatus (ATM) 100 according to an embodiment of the present invention.

As shown in FIG. 1, the automatic transaction apparatus 100
Has a box-shaped device main body 1. This device body 1
Has an operation surface on the front side, and various modules for executing transactions are mounted inside.

A bill depositing and dispensing unit 2, a coin depositing and dispensing unit 4, a passbook printer 6, a card transaction machine 8, and a main controller 10 are provided inside the apparatus main body 1.

The operation surface of the apparatus main body 1 is provided with a touch panel 11 through which an input can be made by touching the surface, and a color liquid crystal display device 12 is provided facing the lower surface thereof. With the touch panel 11 and the liquid crystal display device 12, the display device displays a necessary guide document and a keyboard in accordance with the transaction step, and touches a finger on the touch panel 11 opposite to the keyboard, thereby enabling the key input. It can be realized.

The banknote depositing / dispensing unit 2 incorporated in the apparatus main body 1 is for executing the counting, receiving, and payment of a designated amount of deposited banknotes. Provided on the operation surface side.

The coin depositing / dispensing unit 4 is for realizing a coin receiving / dispensing function similar to the bill receiving / dispensing function of the banknote depositing / dispensing unit 2 to a coin. It is provided on the operation surface side of the main body 1.

The passbook printer 6 has a function of reading an account number or the like from the magnetic stripe of the accepted passbook and printing a record of a transaction corresponding to the account.

The card transaction machine 8 reads the account number from the received magnetic card, matches the account number with the corresponding personal identification number, confirms the identity of the user, and provides a transaction to a user who does not bring a passbook. Has the function of printing and issuing the record of the document as a receipt. The card transaction machine 8 is provided with a card entrance 9 through which a card and a receipt enter and exit, on the operation surface side of the main body 1.

The main control unit 10 controls the above-described mechanism, exchanges data with a remote host computer online, and executes and controls various transactions. The main control unit 10 is stored in a built-in storage unit. In accordance with a program, a microcomputer performs information exchange, calculation, storage, transmission, and the like.

2 and 3 show a detailed structure of the card transaction machine 8 according to the present invention. FIG. 2 is an external perspective view of the card transaction machine 8, and FIG. 3 is a sectional view thereof.

As shown in these figures, the card transaction machine 8 comprises a card reader 13, a journal printer 14, a receipt printer 15, a transfer card issuing machine 16, and a unit control unit 17.

The card reader 13 is connected to the card entrance 9
A magnetic card inserted from the head is received, transported inside by a pair of transport rollers 18, and the data of the magnetic stripe is read / written by a central magnetic head 19, and further transported backward by an LED 20, a CCD 21 and the like. The configured image reader 22 takes in an image of the embossed area of the card to be conveyed.
The shutter 2 is located near the entrance of the card reader 13.
3 are provided. The shutter 23 is opened only when a card is to be received, and functions to prevent the insertion of another card when the card is already inserted.

With the function of the card reader 13, the account number of the magnetic card brought by the user is read and matched with a password entered separately, thereby authenticating the user and surely accepting the card. An embossed record can be made.

The journal printer 14 sets a cylindrical thermosensitive recording type journal paper 24, conveys it by a pair of rollers 25, and records a transaction (transaction date and time, transaction date and time) by a thermal print head 26 provided in the middle. Character data such as an account number, transaction type, transaction amount, and card emboss data are printed, and are wound around the winding shaft 27.

The receipt printer 15 sets the thermal recording type journal paper 28, conveys it by the roller pair 29, prints data as a record of transaction records for the user with the thermal print head in the middle, and prints it. Rear cutter 30
Then, it is cut to the length of one transaction, conveyed by the belt 31 and discharged from the card entrance 9. In addition, 32 is a collection box for a receipt that has not been taken, and when the user does not take out the receipt even for a predetermined time, the belt is reversed,
This receipt is collected and stored.

The transfer card issuing machine 16 sets a paper card 33 provided with an ISO standard magnetic stripe in a paper card storage section 39 and issues it by a ticketing roller 34. Further, the transfer card issuing machine 16 transports the paper card 33 issued from the paper card storage unit 39 to the card reader 13 by the transport roller pair 37, writes the data manually input by the user in advance to the magnetic stripe, and again writes the data. Then, the process returns to the transfer card issuing machine 16, and the thermal print head 35 performs printing via the thermal transfer ribbon 36. The storage tray 38 is for temporarily storing and retracting cards, and has a two-tier structure.
The collection box 40 collects and stores cards that cannot be traded and cards that the user has left behind.

FIGS. 4 and 5 are detailed structural diagrams showing details of the peripheral mechanism of the storage tray 38 of the transfer card issuing machine 16. 4 is a plan view around the storage tray 38, and FIG. 5 is a rear view around the storage tray 38. As shown in FIG.

As shown in these figures, the storage tray 3
A return lever 45 and a collection lever 47 operated by a return / collection mechanism 60 are provided around 8. Around the storage tray 38, a tray vertical motor 48 for vertically moving the storage tray 38, a card transport motor 49 for operating the transport roller pair 37, and a transport path for simultaneously moving the paper card storage unit and the storage tray 38 up and down. Control motor 50,
A ticketing motor 51 for rotating the ticketing roller 34 and a ribbon winding motor 52 for winding up the thermal transfer ribbon 36
Is arranged.

The return / recovery mechanism 60 includes a switching motor 42, a return link mechanism 43, and an external return lever 44.
And a collection link mechanism 46.

The switching motor 42 is for returning or collecting one of the return lever 45 and the collection lever 47 to and from the card stored in the storage tray 38 depending on the direction of rotation thereof. That is, the return lever 4 is connected via the return link mechanism 43 and the external return lever 44.
5 is returned to the card in the storage tray 38, and the collection lever 47 is collected via the collection link mechanism 46. The return lever 45
Is used to push out the card stored in the storage tray 38 and return it in the direction of the transport path 41.
Is for pushing out the card and collecting it in the collection box 40.

The return link mechanism 43 comprises a cam 43a and a lever 43b. When the switching motor 42 rotates counterclockwise in FIG.
Rotates clockwise as shown in FIG. Lever 4
3b moves leftward by the clockwise rotation of the cam 43a. Due to the leftward movement of the lever 43b, the external return lever 44 also moves leftward, and the return lever 45 is operated to be able to return the card in the storage tray 38.

The collection link mechanism 46 includes a cam 46a and a lever 46b. When the switching motor 42 rotates clockwise, the cam 46a rotates clockwise by the counterclockwise operation of the cam 43a of the return link mechanism 43 as shown in FIG.
The lever 46b is moved downward by the clockwise rotation of the cam 46a. Due to the downward movement of the lever 43b, the collection lever 47 also moves downward, and the collection lever 47 is operated so as to be able to collect the cards in the storage tray 38.

FIG. 6 is a block diagram showing a control system for controlling card return and collection operations in the card transaction machine 8. The control blocks other than the control system related to the control of the card return and collection operations in the card transaction machine 8 are not shown.

As shown in the control block of the figure, the card transaction machine 8 has a control unit 60, and the switching motor 42, the tray vertical movement motor 48, and the card transport motor 49 are connected to the control unit 60. .

The control unit 60 controls the height of the storage tray 38 at which the card can be collected by the collection lever 47 or the return lever 4.
5 has a function as a height control means for controlling the tray up / down motor 48 so that the card can be returned at a height that can be returned.

The control unit 60 controls the switching motor 42
By controlling the switching of the rotation direction, the function as switching control means for switching the return lever 45 and the collection lever 47 is also provided.

Next, the operation of the automatic transaction apparatus 100 according to the present invention will be described focusing on the card transaction operation of the card transaction machine 8.

In the present apparatus, when a customer makes a transfer transaction,
The transfer card (paper card 33) is checked, and the cash card or cash is checked, and the operation is performed accordingly.

When conducting a transfer transaction, the customer inserts a cash card through the card entrance 9 of the card transaction machine 8, performs necessary data communication, and then transfers the transfer data to the ATM.
Enter the information manually on the operation panel to end the transfer transaction. At this time, if it is desired to issue a transfer card, the cash card is driven by the card transport motor 49 to make the transport roller pair 3
At 7, it is taken in above (or below) the storage tray 38.

Next, the transport path control motor 50 which is driven up and down
To control the storage tray 38 and the paper card storage unit 39 to the issue height of the paper card 33, and the ticketing motor 51
The ticket issuing roller 34 is rotated to issue a paper card 33 as a transfer card. At this time, the tip of the storage section is structured to be separated one by one.

The issued paper card 33 is transported by the transport roller pair 3
7, the necessary data is written to the magnetic stripe, and is again transferred to the transfer card issuing machine 16, where the print head 35 prints the necessary data via the thermal transfer ribbon 36. The ribbon winding is performed by a ribbon winding motor 52.

After the printing is completed, the cash card and the paper card 33 stored above and below the storage tray 38 which is taken in below (or above) the storage tray 38 are kicked by the return lever 45 above (or below). The card is conveyed by the conveying roller pair 37 and the card reader 13 and discharged to the card entrance 9.

If, for example, the customer forgets to remove the card, or if the expiration of the paper card 33 occurs, the card is taken into the upper side (or lower side) of the storage tray 38 and the transport path control motor 50 is moved. Thus, the card collection height is controlled, the collection lever 47 is operated by the switching motor 42, and the card is collected in the collection box 40.

Next, the detailed operation of the peripheral mechanism of the storage tray 38 will be described.

FIG. 7 and FIG. 8 are explanatory diagrams for explaining the card returning and collecting operations in the card transaction machine 8. FIG. FIG. 7 is an explanatory diagram for explaining the returning operation, and FIG. 8 is an explanatory diagram for explaining the collecting operation.

When two cards are used in a card transaction, or when a transaction for issuing a paper card 33 is performed,
The card is transported from the card reader 13 to the storage tray 38 by the transport roller pair 37. At this time, the storage tray 38
Has two stages, so that the control in the height direction is performed by driving the tray up / down motor 48 in accordance with which of the upper and lower stages the card is conveyed.

When returning the cards stored in the storage tray 38 as described above, first, the storage tray 38 containing the cards is adjusted to the transport path 41 by the tray vertical movement motor 48. Next, as shown in FIG. 7, the switching motor 42 is switched to operate the external return lever 44 via the return link mechanism 43 to move the storage tray 3.
The card is pushed out by the return lever 45 built in 8. The card pushed out by the return lever 45 is transported by a pair of transport rollers 37.
The card passes through the card reader 13 to the card entrance 9 and is discharged.

As shown in FIG. 8, the cards in the storage tray 38 which have expired or cannot be traded, and which have been forgotten by the user at the card entrance 9 are collected by the switching motor 42 as shown in FIG. The collection lever 47 is switched via the link mechanism 46 to drop the card in the storage tray 38 directly into the collection box 40.

FIG. 9 is a flowchart for explaining the details of the return operation when returning the paper card 33 from the storage tray 38 to the card slot 9.

When returning the paper card 33, the control unit 60 first determines whether the paper card 33 to be returned is stored in the upper or lower tray.
8 is controlled by using a tray vertical movement motor 48, and a predetermined step of the storage tray 38 is adjusted to the conveyance path 41 (S
1).

Next, the transport roller pair 37 is rotated, and the paper card 33 stored in the storage tray 38 is pushed out toward the transport path 41 by the return lever 45 (S).
2, S3).

If the paper card 33 is normally pushed out to the pair of transport rollers 37 by the pushing operation of the return lever 45 (S4; YES), the paper card 33 passes through the card reader 13, and
The card is conveyed to the card slot 9 and discharged (S5, S6).

If the paper card 33 is not normally pushed out to the pair of transport rollers 37 by the pushing operation of the return lever 45 (S4; NO), the control unit 60 determines whether or not to retry. Is performed (S7). When retrying, the push-out operation is performed by the return lever 45 again. If no retry is performed, it is determined that a malfunction such as a jam has occurred (S8).

The determination as to whether or not to retry in step S7 can be made according to, for example, the number of abnormal operations of the pushing operation by the return lever 45 in step S3. For example, when the pushing operation by the return lever 45 is performed twice or more, the retry is performed.
If it is not pushed out to 7, it is determined that no retry is performed.

As described above, according to the present embodiment, when the card temporarily stored in the storage tray 38 is returned and collected, the storage tray 38 is moved to the tray vertical movement motor 48.
, The return lever 45 and the collection lever 47 are operated by simply rotating the switching motor 42 in the forward and reverse directions only by adjusting the return or collection position.
In order to complete the return and collection operations, it is possible to reduce the number of actuators by reducing the control burden of the control unit 60 and using one switching motor 42.

[0059]

As described above in detail, according to the present invention, when returning and collecting cards in the storage tray, the height of the storage tray is controlled, and then the return and collection levers are operated. , The cards can be returned and collected, and the processing time can be reduced and the operation can be stabilized. Further, since the operation of the return / recovery lever is controlled by switching the rotation direction of one motor, the control burden on the control unit can be reduced.

[Brief description of the drawings]

FIG. 1 is an external perspective view of an automatic transaction apparatus according to the present invention.

FIG. 2 is an external perspective view of a card transaction machine according to the present invention.

FIG. 3 is a sectional view of a card transaction machine according to the present invention.

FIG. 4 is a detailed configuration diagram showing details of a peripheral mechanism of a storage tray.

FIG. 5 is a detailed configuration diagram showing details of a peripheral mechanism of the storage tray.

FIG. 6 is a block diagram showing a control system for controlling card return and collection operations by the card transaction machine of the present invention.

FIG. 7 is an explanatory diagram illustrating a card return operation in the card transaction machine of the present invention.

FIG. 8 is an explanatory diagram illustrating a card collection operation in the card transaction machine of the present invention.

FIG. 9 is a flowchart illustrating a card return operation by the card transaction machine of the present invention.

[Explanation of symbols]

 8 Card Transaction Machine 9 Card Slot 33 Paper Card 38 Storage Tray 40 Collection Box 42 Switching Motor 45 Return Lever 47 Collection Lever 48 Tray Vertical Movement Motor 100 Automatic Transaction Device

Claims (6)

[Claims] 1. A card transaction machine in which a card transaction processing is performed by a predetermined card, a card slot for taking in and out a card used for the card transaction processing, and carrying the card in a transport path following the card port. A transport roller; a storage tray comprising a plurality of stages for temporarily storing a plurality of cards transported by the transport roller; and a collection box disposed on a side portion of the storage tray for collecting the cards stored in the storage tray. Vertical movement means for vertically moving the storage tray comprising the plurality of stages; and pushing the cards stored in the storage tray into the collection box according to the height of the storage tray moved up and down by the vertical movement means. A collection lever to be conveyed, and the vertical movement means being controlled so that the storage tray is at a height at which the collection lever can collect a card. Card transaction machine and having a control unit. 2. A card transaction machine in which a card transaction process is performed by a predetermined card, wherein a card slot for inserting and removing a card used for the card transaction process, and the card is transported in a transport path following the card port. A transport roller; a storage tray comprising a plurality of stages for temporarily storing a plurality of cards transported by the transport roller; and a collection box disposed on a side portion of the storage tray for collecting the cards stored in the storage tray. Vertical movement means for vertically moving the storage tray comprising the plurality of stages; and pushing the cards stored in the storage tray into the collection box according to the height of the storage tray moved up and down by the vertical movement means. A collection lever to be conveyed, and a card stored in the storage tray is moved forward according to the height of the storage tray moved up and down by the vertical movement unit. A return lever for returning to the transport roller side; and a height for controlling the vertical movement means so that the storage tray has a height at which the card can be collected by the collection lever or a height at which the card can be returned by the return lever. A card transaction machine having control means. 3. A card transaction machine in which a card transaction processing is performed by a predetermined card, wherein a card slot for inserting and removing a card used for the card transaction processing, and the card is transported in a transport path following the card port. A transport roller; a storage tray comprising a plurality of stages for temporarily storing a plurality of cards transported by the transport roller; and a collection box disposed on a side portion of the storage tray for collecting the cards stored in the storage tray. Vertical movement means for vertically moving the storage tray comprising the plurality of stages; and pushing the cards stored in the storage tray into the collection box according to the height of the storage tray moved up and down by the vertical movement means. A collection lever to be conveyed, and a card stored in the storage tray is moved forward according to the height of the storage tray moved up and down by the vertical movement unit. A return lever for returning to the transport roller side; and a height for controlling the vertical movement means so that the storage tray has a height at which the card can be collected by the collection lever or a height at which the card can be returned by the return lever. A card transaction machine comprising: control means; and switching control means for switching between the return lever and the collection lever by controlling the rotation direction of a single motor means. 4. An automatic transaction apparatus which includes a card transaction machine and performs a predetermined automatic transaction process including a card transaction process performed by the card transaction machine, wherein the card transaction machine has a function of a card used in the card transaction process. A card slot for loading and unloading, a transport roller for transporting the card in a transport path following the card aperture, a storage tray including a plurality of stages for temporarily storing a plurality of cards transported by the transport roller, A collection box disposed at a side of the tray for collecting cards stored in the storage tray; a vertically moving means for vertically moving the storage tray comprising the plurality of stages; and a storage tray vertically moved by the vertically moving means. A collection lever that pushes out and transports the cards stored in the storage tray to the collection box according to the height of the storage tray; Automatic teller machine and having a height control means for controlling the vertical movement means such that recoverable height of the card by chromatography. 5. An automatic transaction apparatus which includes a card transaction machine and performs a predetermined automatic transaction process including a card transaction process performed by the card transaction machine, wherein the card transaction machine has a function of a card used in the card transaction process. A card slot for loading and unloading, a transport roller for transporting the card in a transport path following the card aperture, a storage tray comprising a plurality of stages for temporarily storing a plurality of cards transported by the transport roller, A collection box disposed on a side of the tray for collecting cards stored in the storage tray; a vertically moving means for vertically moving the plurality of storage trays; and a storage tray vertically moved by the vertically moving means. A collection lever that pushes and conveys the cards stored in the storage tray into the collection box according to the height of the storage tray, A return lever for returning the cards stored in the storage tray to the transport roller side in accordance with the height of the storage tray, and a height at which the storage tray can collect the cards by the recovery lever or the return lever. And a height control means for controlling the vertical movement means so that the height of the card can be returned. 6. An automatic transaction apparatus which includes a card transaction machine and performs a predetermined automatic transaction process including a card transaction process performed by the card transaction machine, wherein the card transaction machine has a function of a card used in the card transaction process. A card slot for loading and unloading, a transport roller for transporting the card in a transport path following the card aperture, a storage tray comprising a plurality of stages for temporarily storing a plurality of cards transported by the transport roller, A collection box disposed on a side of the tray for collecting cards stored in the storage tray; a vertically moving means for vertically moving the plurality of storage trays; and a storage tray vertically moved by the vertically moving means. A collection lever that pushes and conveys the cards stored in the storage tray into the collection box according to the height of the storage tray, A return lever for returning the cards stored in the storage tray to the transport roller side in accordance with the height of the storage tray, and a height at which the storage tray can collect the cards by the recovery lever or the return lever. Height control means for controlling the vertical movement means so that the height of the card can be returned, and switching for switching the return lever and the collection lever by controlling the rotation direction of a single motor means. An automatic transaction apparatus comprising a control unit.