JPS5853386B2 - Passbook processing device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a passbook processing device such as a currency transaction device having a printing device for printing transaction details on a passbook.

Generally, a deposit system in a financial institution such as a bank has a large-scale central system consisting of an electronic computer and a storage device that stores ledgers of all deposit accounts.
The center system is connected to the center system via communication lines, and is made up of a plurality of terminal devices installed at each deposit counter of the bank, such as passbook handling devices. The equipment can be accessed online and in real time, ensuring that transactions are always based on the latest data.

The introduction of such a deposit system has made it possible to conduct transactions such as automatic salary transfers and automatic utility bill transfers, but this has led to an increase in transactions that are not recorded in passbooks.

For example, if a depositor brings their passbook with them to make a deposit, unrecorded data such as transfers or transfers from the previous day will be printed across many lines (so-called unrecorded deposits will occur). It turns out.

However, while printing on the passbook, I printed on the last line of the last page of the passbook, and even though there were items to be printed, the passbook ran out of printing space, so I had to reissue a new passbook. Situations like this often occurred.

By the way, when reissuing a passbook, it not only prints the data that could not be printed on the previous passbook, but also prints the balance printed on the last line of the last page of the previous passbook as the carryover amount from the previous passbook on the first line. needs to be printed again.

On the other hand, in conventional passbook handling devices, when a passbook is reissued, the carryover amount is printed out by specifying that the passbook is being reissued, or the carryover amount is handwritten without using a machine.

Incidentally, the above-mentioned passbook handling device was for use by an attendant, but in recent years, currency transaction devices such as automatic deposit machines or automatic deposit disbursement machines with a passbook handling function have been put into practical use.

That is, the currency transaction device has a built-in printing device that automatically prints transaction details on the passbook brought by the user.

These currency transaction devices are connected online to the center system, and by using the personal identification card provided by the user, the user can freely conduct desired transactions (deposit payments, deposits, etc.) without the intervention of an attendant. However, while printing on a passbook, if the passbook printout becomes full as described above, that is, if there are items that need to be printed after printing on the last line of the last page of the passbook, a new passbook will be reissued. For this reason, the clerk would have to bring in a new passbook each time, so it could not be called an unmanned currency transaction device.Moreover, it would be desirable to install these currency transaction devices outside the bank branch. Even if there was a request, such as a desire to be able to use the service even outside of business hours, even within the store, it was not possible to respond to these requests because unattended processing when the bankbook was full was not possible.

The present invention has been made in view of the above-mentioned circumstances, and its purpose is to provide a currency transaction device that can perform unmanned processing without the intervention of an attendant even if the bankbook becomes full during printing. There is a particular thing.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a case where an embodiment of the present invention is implemented in, for example, an automated teller machine will be described with reference to the drawings.

Figure 1 shows a deposit passbook used in this automatic deposit dispensing device with its last page open, and between the front cover 1 and back cover 2 there are multiple pages 3 bound in booklet form. On each printing surface of these pages 3, a plurality of lines (for example, 17 lines) of printing fields 4 are printed.

Further, a magnetic recording strip 5 is pasted on a predetermined portion of the surface of the back cover 20 in the width direction thereof, and this magnetic recording strip 5 includes, for example, a bank name code and an account number as well as a designated number of lines to be printed. Data is written magnetically.

Note that 6 is the final page. FIG. 2 schematically shows the entire automatic deposit dispensing device, in which the front side of the housing 11 includes a card insertion slot 12 into which a personal identification card is inserted, and the above-mentioned first slot.
A passbook insertion slot 13 into which the passbook shown in the figure is inserted in an open state;
A display 14 for displaying the amount or operation guidance, and a withdrawal port 15 for dispensing banknotes are provided.

Further, a stepped portion 11 is provided at approximately the center of the front surface of the housing 11 in the vertical direction.
A is formed, and a keyboard 16 for setting a password, amount, etc. is provided on this stepped portion 11a.

Inside the housing 11 is a dispensing mechanism and its control device (
(none of which are shown) are stored.

These dispensing mechanisms and control devices inspect the correspondence between the data from the card inserted into the card insertion slot 12 and the manual data from the keyboard 16, and when the correspondence is predetermined, a predetermined It performs a cash payment operation, and since this is a well-known technique, a detailed explanation thereof will be omitted.Furthermore, a printing device is housed in a portion of the housing 11 that corresponds to the passbook insertion slot 13.

This printing device arbitrarily selects a passbook inserted through the passbook insertion slot 13 or a print medium prepared in advance, prints the transaction details, and returns or ejects it from the passbook insertion slot 13. It is configured as shown in Figure 3.

In other words, 21 is the passbook guide frame, which is the passbook insertion slot 1.
3, and horizontally guides the bankbook P inserted from the bankbook insertion slot 13 in the direction of the arrow shown in the open state.

When the passbook P is inserted into the guide frame 21, the tip of the passbook P is detected by the optical detector 22.
The solenoid 23 is operated to open the shutter 24, and the reversible motor 25 is operated to drive the conveyance path 26, which pinches and conveys the passbook P and takes it in there.

The magnetic head 27 reads predetermined data from or writes predetermined data from the magnetic recording strip 5 attached to the back cover 2 of the passbook P.

As mentioned above, in addition to the bank name code and account number, data such as the designated number of lines to be printed is written on the magnetic recording band 5, and by reading the designated number of lines to be printed, the stop position of the passbook P can be determined. is now determined.

The passbook P conveyed on the conveyance path 26 is held and conveyed by a platen row 230 driven by a pulse motor 29 and a tension roller 31, and the leading edge of the passbook P is positioned at a predetermined position and optically detected. When detected by the device 32,
The motor 29 is driven by a specified pulse determined by the designated print line read by the magnetic head 27 and then stopped.

As a result, the bankbook P is already stopped in correspondence with the printing position of the next line of the printing tube.

33 is a wire dot type print head, and this print head 33 is driven by a pulse motor 35, a wire 36, and a pulley 37 to slide along a rond 38. S
It is now possible to print on

Note that 39 is an ink ribbon, and 40 is an ink ribbon cassette.

On the other hand, a stacking box 41 is provided at a lower portion in front of the platen roller 30, and a large number of print media, such as slips S, are stacked in an upright position in the stacking box 41.

The collection box 41 is slidable in the front-rear direction along the guide shaft 42, and is always urged toward the front by a spring 43.

When printing on a single sheet S, the solenoid 44 is energized and the removal prevention plate 45 is pressed against the spring 46.
The cut sheet S is pulled against zero repulsive force, so that the cut sheet S is pressed against the take-out rollers 47, 47 driven by the motor 29.

Then, as the motor 29 rotates in the opposite direction to the direction when taking in the bankbook, the take-out rows 247, 47 rotate in the take-out direction, and one sheet S is taken out by friction with the ticket S.

When a detector (not shown) detects that one sheet has been taken out, the solenoid 44 is deenergized, and the take-out prevention plate 45 returns to its original position due to the repulsive force of the spring 46. By pressing the front end, taking out the second and subsequent sheets is prohibited.

The taken out ticket S is conveyed while being held between a roller 48 and a pinch roller 49 driven by the motor 29, and when its tip is located at a predetermined position and detected by the detector 32, a specified The motor 29 is driven by the pulse and then stopped.

As a result, the leading end of the ticket S is stopped in correspondence with the printing position.

After the printing has been completed, the passbook P or ticket S is returned to the insertion slot 13 by the motors 25 and 29 being rotated in the opposite direction to the direction in which the passbook was taken in, and the passbook P or ticket S is returned to the insertion slot 13. is discharged into the insertion port 13.

FIG. 4 schematically shows the configuration of a deposit system according to the present invention, in which a plurality of currency transaction devices, such as an automatic deposit machine 51 and an automatic deposit machine 52, are connected to modems 53, 53, .・・・・・・・・・ and communication line 54,
54. Center system 5 via...
Connected online to 5.

The center system 55 includes a collective modem 56, an input/output control section 5γ, a central processing section 58, an internal storage section 59, and a calculation section 6.
0 and an external storage section (ledger file) 61.

Next, the operation in the above configuration will be explained.

First, the user inserts his/her own card into the insertion slot 12, and then uses a card reader/writer (not shown) to read predetermined data magnetically recorded on the inserted card (PIN number, account number, etc.). is read.

Next, the user sets his own PIN number on the keyboard 16, which is checked against the PIN read from the card. If the two PIN numbers match, the user advances to the next step, and the display 14 shows, for example, " Please insert your passbook.

If you have forgotten your bankbook, please press the forgot passbook button.

" is displayed.

If you forget your passbook, by pressing the passbook forget key provided in the keyboard 16, the slip S is set in the print position as described above, and the transaction details are issued in the form of a slip.

On the other hand, if the user brings a bankbook, the user inserts the bankbook P into the insertion slot 13 with a predetermined page open, and as described above, it is taken into the printing device and set at the printing position.

When the above operation is completed, the display 14 will display, for example, "Please press the amount.

" is displayed.

Therefore, when the user sets a desired amount using the keyboard 16, the dispensing mechanism operates, and banknotes corresponding to the set amount are dispensed to the dispensing port 15.

At this time, the card is also returned to its insertion slot 12.

Further, when an amount is set using the keyboard 16, that amount is sent to the center system 55 along with the read account number.
transmitted to.

The transmitted data is temporarily stored in the internal storage unit 59, and the ledger file data for the account number is stored in the external storage unit 6.
Read from 1.

Here, it is assumed that the read data at that time is, for example, as shown in FIG. 5A, and there are a total of four unrecorded notebook data, text 1 to text 4.

Therefore, the center system 55 first transmits the unrecorded data one by one.

The automatic deposit payment device 51 prints one line on the passbook P by operating the printing device each time it receives one piece of unrecorded data, prints a new line, and waits.

By the way, if the designated printing line read from the magnetic recording band 5 of the bankbook P is, for example, the 15th line, the printing field 4 of the bankbook P is 17th line as described above, so there are three additional prints. In this case, the printing space on that page will be full.

Therefore, when the printing device receives the third unrecorded notebook data (Text 3) and finishes printing it, it determines that there is no more printing space on that page and returns the passbook P to its insertion slot 13.

When the user receives the returned passbook P, the display 14
For example, ``Please turn over your bankbook, open a new page, and insert it again.

If there are no pages left, please press the request button.

" is displayed. Here, if there are any remaining pages, the user turns over the passbook, opens a new page, and inserts the passbook into the passbook insertion slot 13 again.

During this time, the automatic deposit disbursement device 51 returns the transmission impossible signal rNAcKJ to the center system 55, but when the passbook P is reinserted, it returns the transmission possible signal rAcK-AJ. The unrecorded notebook data (text 4) is transmitted, and the printing device prints this on the first line of the bankbook P for the clerk.

On the other hand, if the bankbook P is full and there are no remaining pages, the user presses a ticket request button provided in the keyboard 16.

This energizes the solenoid 44, and as described above, one sheet S is taken out and set at the printing position.

Here, the automatic deposit dispensing device 51 returns the transmittable signal rAcK-BJ to the center system 55 in the same manner as described above, and the center system 55 receiving this signal starts transmitting again.

By the way, the transmittable signals include rAcK-Aj and "ACK
There are two types of codes: -B, each of which specifies the printing format: JACK-AJ indicates bankbook printing, and AcK-BJ indicates cut-sheet printing.

The reason why the printing formats of the passbook P and the ticket S are different is that the passbook P includes an unrecorded ticket and the center system 55 extracts the unrecorded data, whereas the ticket This is because only the contents of the current transaction are printed on S without adding an unrecorded note.

The center system 55, which has received the transmittable signal 1'-ACK-Bj, determines that the slip S is set in the printing device of the automatic deposit dispensing device 51, and prints the remaining unrecorded slip data (text 4) is not transmitted, but the data relating to the current transaction is directly calculated by the calculation unit 60 and predetermined data is transmitted to the automatic deposit payment device 51.

Thereby, the printing device prints the previous balance, payment amount, latest balance, etc. related to the current transaction on the ticket S.

The center system 55 has now completed the transmission, and the external storage unit 610 ledger file contains unrecorded data (text 4).
, and other unrecorded notebook data (texts 1 to 3) are output, and the latest balance and final bankbook recorded balance are updated, so that the data in FIG. 5A becomes as shown in FIG. 5B.

The ticket S with the transaction details printed thereon is ejected to the bankbook insertion slot 13 as described above, and is received by the user.

In this way, if there is no more printing space on any page during printing, the passbook is returned, and if there are still items to be printed and there are no remaining pages, the user is instructed to that effect. By printing the remaining information on a ticket instead of a passbook, unattended processing can be performed when the passbook is full without the intervention of an attendant.

In addition, in the above-mentioned embodiment, a case was explained in which the present invention is applied to an automatic deposit dispensing machine, but the present invention is not limited to this, and may be applied to an automatic deposit machine, for example, and the point is to print transaction details on a passbook. This implementation is optional as long as the currency transaction device has a printing device.

In addition, the present invention is not limited to the above-mentioned embodiments, and it goes without saying that various modifications can be made without departing from the gist of the present invention.

As described in detail above, according to the present invention, there is a means for detecting that there is no printing space on the printing surface of a passbook when printing, and a means for detecting that there is no printing space on the printing surface of a passbook, and a means for detecting that there is no printing space on the printing surface of a passbook. Since we have provided a means to print the remaining items on a printing medium and hand it to the user, even if the passbook printout becomes full during printing, it can be processed unattended without the intervention of an attendant, further contributing to unattended operation. We can provide an advanced passbook processing device.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention, in which Fig. 1 shows a bankbook in an open state, Fig. 2 is a perspective view schematically showing the entire automatic deposit dispensing device, and Fig. 3 shows a printed image. FIG. 4 is a block diagram schematically showing the structure of the deposit system; FIGS. 5A and B show an example of the structure of the ledger file in the external storage section in the center system. It is a diagram. P...Passbook, S...Print medium, 3...
...Page, 4...Print column, 6...Last page, 13...Passbook insertion slot, 51...
automatic deposit dispensing device, 52... automatic deposit dispensing device, 5
5... Center system.

Claims (1)

[Claims] 1. In a passbook processing device that has a printing device that prints transaction details on a passbook, there is a means for detecting that there is no more printing space on the printing surface when printing on the passbook, and a means that detects that there is no more printing space on the printing surface of the passbook and detects that there is no more printing space and starts printing further. a means for returning the passbook to the user if there are still items left to be paid;
There is a means for guiding the user on the operations to be performed when returning the passbook, a means for the user to input a single bill according to the guidance provided by this means, and a means prepared in advance according to the input from the user using this means. 1. A passbook processing device comprising: means for printing remaining items on a print medium; and means for delivering the print medium printed by the means to a user.