JPS5854429B2 - Passbook handling device - Google Patents

Description

TECHNICAL FIELD OF THE INVENTION The present invention relates to a passbook handling device that is used, for example, in a currency transaction device and has a printing device for printing transaction details on a passbook.

Technical background of the invention and its problems In general, deposit systems in financial institutions such as banks include 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 composed of a plurality of terminal devices each connected to this center system via communication lines, such as currency transaction devices such as automatic deposit machines and automatic cash dispensing machines installed at each store. However, the central system's storage device can be accessed online in real time, allowing transactions to always be based on the latest data.

The introduction of such a deposit system has made possible 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 and transfers before the transaction will be printed on the printing surface of the passbook, so-called unrecorded additions. It turns out.

Therefore, the amount of printing on passbooks has increased, and the number of new passbook reissuance operations has also tended to increase significantly.

However, passbook handling devices used in currency transaction devices such as automatic deposit machines and automatic cash dispensing machines in such deposit systems have conventionally been used to automatically print transaction details on passbooks brought by users. There is a built-in device, but if the passbook print becomes full during a transaction, that is, when printing the passbook,
In other words, if there is an item to be printed after printing on the last line of the last page of the passbook, the device will instruct the user to go to the deposit counter, and the user will be able to go to the deposit counter by the staff. This required a very troublesome procedure of receiving a new reissued passbook, returning to the device, and operating it again.

However, this type of device is unique in that it allows desired transactions to be carried out freely and automatically without the intervention of staff, and can be used outside of business hours, or at railway stations or department stores outside of storefronts. It is also sometimes installed.

In this way, in a usage environment where there is no staff near the device, it is impossible to reissue the new passbook as described above.
Such restrictions have limited the introduction of this type of device and hindered its widespread use.

Purpose of the Invention The present invention has been made in view of the above-mentioned circumstances, and its purpose is to solve the problem when the bankbook becomes full during printing.
To provide a passbook handling device capable of automatically reissuing a new passbook with necessary information such as account information recorded in an information recording part without the intervention of an attendant, and capable of unmanned processing when the passbook is full of prints. There is a particular thing.

Summary of the Invention The present invention provides a means for determining that there is no more printing space on the printing surface of a bankbook when printing, a means for determining whether or not the printing surface is the last page when printing a bankbook, and a means for determining whether or not the printing surface is the last page when printing a bankbook. A passbook issuing device that operates when it is determined that there is no more printing space and that it is the last page and reissues a new passbook having an information recording section; and means for recording information in the information recording section of the new passbook. By providing this, if the passbook printout becomes full during printing, a new passbook with necessary information such as account information recorded in the information recording section can be automatically reissued without the intervention of staff. This is how it was done.

EMBODIMENT OF THE INVENTION Hereinafter, an embodiment of the present invention will be described with reference to the drawings, regarding the case where it is implemented in, for example, an automatic teller machine.

1 and 2 show a bankbook according to the present invention, in which a plurality of pages 3 are bound in a booklet form between a front cover 1 and a back cover 2, and each of these pages 3 is The printing surface has multiple lines (
For example, the print field 4 (line 17) is printed.

Further, a magnetic recording strip 5 as an information recording section is attached to a predetermined portion of the surface of the back cover 2, and this magnetic recording strip 5 contains, for example, a bank name code, an account number, a designated number of lines to be printed, etc. Necessary information is recorded magnetically.

On the left side of the lower end of the final page 6, for example, a rectangular specific mark 7 is printed in black.

This specific mark I indicates that the printed surface is the last page, and is not printed on other pages.

FIG. 3 schematically shows the entire automated teller machine according to the present invention, in which a card insertion slot 12 for inserting a personal identification card is provided on the front surface of the casing 11, as shown in FIGS. 1 and 2 described above. A passbook insertion slot 13 into which a passbook is inserted while it is open; a passbook issuing slot 14 where a new passbook is reissued; a display 15 that displays the amount or various operating instructions; and a withdrawal slot 16 from which banknotes are dispensed. etc. are provided for each.

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 17 for setting a password, amount, etc. is provided on this stepped portion 11a.

The housing 11 houses a dispensing mechanism, its control unit (none of which is shown), and the like.

These dispensing mechanisms and control units inspect the correspondence between the data from the card inserted into the card insertion slot 12 and the manual data from the keyboard 17, and when the correspondence is predetermined, a predetermined It performs a cash payment operation, and since this is already a well-known technique, detailed explanation thereof will be omitted.

Further, a printing device 18 as shown in FIG. 4, for example, is housed in a portion of the housing 11 that corresponds to the passbook insertion slot 13.

This printing device 18 prints transaction details on a passbook inserted through the passbook insertion slot 13 or a slip prepared in advance, and returns or discharges it from the passbook insertion slot 13. It is configured as shown in .

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 information from the magnetic recording strip 5 attached to the back cover 2 of the passbook P, or records predetermined information.

As mentioned above, information such as the designated number of lines to be printed is recorded in addition to the bank name code and account number, and by reading the designated number of lines to be printed, the bankbook
The stopping position of the vehicle is determined.

Further, the detector 28 is configured to optically detect the presence of a specific mark 7 printed on the last page 6 of the passbook P.

The passbook P conveyed on the conveyance path 26 is conveyed while being held between a platen roller 30 and a tension roller 31 driven by a pulse motor 29, and the leading end of the passbook P is located at a predetermined position and is optically When detected by the detector 32, the motor 29 is driven by a specified pulse amount determined by the print designated line read by the magnetic head 27 and then stopped.

As a result, the bankbook P stops at the next line of the already printed line corresponding to the printing position.

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 designed 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 sheets S are stacked in an upright position in this 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.
Therefore, 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 in which the passbook is taken in, the take-out rollers 47, 47 rotate in the take-out direction, and one ticket 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 the roller 4B driven by the motor 29 and the pinch roller 49, 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 is returned to the insertion slot 13 and the ticket S is the one that is discharged into the insertion port 13.

Further, a passbook issuing device 19 as shown in FIG. 5, for example, is housed in a portion of the housing 11 that corresponds to the passbook issuing port 14.

This passbook issuing device 19 automatically reissues a new passbook when the passbook is full of prints and discharges it to the passbook issuing port 14, and is configured as shown below.

That is, in the storage box 51, a plurality of new bankbooks PN similar to those shown in FIGS. 1 and 2 described above are stored in an aligned manner with the cover 1 facing upward.

When a passbook issuance command is given, the plunger solenoid 52 is energized, and the push rod 54 is moved from the opening 51a provided at the bottom of the storage box 51 to the lowest passbook PN via the link 53. Push out only one book.

The pushed out passbook PN is transported toward the passbook issuing port 14 by transport rollers 57, 57, 57 driven via a belt 56 by a motor 55 rotating in the direction of the arrow shown in the figure.
It is temporarily stopped on the printing table 58.

Then, the print head 59 prints the account number, user name, etc. on a predetermined area on the cover 1, and when the printing is finished, the motor 55 operates again, and the new passbook PN is ejected to the passbook issuing port 14. It has become so.

FIG. 6 schematically shows the configuration of a deposit system according to the present invention, in which a plurality of currency transaction devices, such as the above-mentioned automatic cash dispensing device 61 and automatic deposit device 62, are connected to modems 63, 63, . ...and the communication line 64,
64. It is online connected to the center system 65 via .

The center system 65 includes a collective modem 66, an input/output control section 67, a central processing section 68, an internal storage section 69, and a calculation section 7.
0 and an external storage section (ledger file) 71.

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

First, the user inserts his or her own card into the insertion slot 12, and uses a card reading/writing device (not shown) to read predetermined information magnetically recorded on the inserted card (PIN number, account number, etc.). is read.

Next, the user sets his or her personal identification number on the keyboard 17, which is checked against the identification number read from the card. If the two identification numbers match, the user advances to the next step, and the display 15 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 17, the slip S is set in the printing 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 18 and set at the printing position.

When the above operation is completed, the display 15 will display, for example, "Please press the amount.

" is displayed.

Therefore, when the user sets a desired amount using the keyboard 17, the dispensing mechanism operates, and banknotes corresponding to the set amount are dispensed to the dispensing port 16.

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

When an amount is set on the keyboard 17, that amount is sent to the center system 65 along with the read account number.
transmitted to.

The transmitted data is temporarily stored in the internal storage unit 69, and the ledger file data for the account number is stored in the external storage unit 7.
Read from 1.

Here, it is assumed that the read data at that time is, for example, as shown in FIG. 7A, and there are a total of four unrecorded data, text 1 to text 4.

Therefore, the center system 65 first transmits unrecorded data one by one.

The payment device 61 operates the printing device 18 every time it receives one piece of unrecorded data, thereby printing one line on the bankbook P, starting a new line, and then waiting.

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 print 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, the printing device 18 prints the third unrecorded data (
When the text 3) is received and its printing is completed, it is determined that there is no more printing space on the page, and the passbook P is conveyed in the direction of its insertion slot 13.

During this transportation, the detector 28 checks whether or not the specific mark 7 is present, and if the presence of the specific mark 7 is not detected, the passbook P is returned to its insertion slot 13 and the display 1
For example, 5 says, ``Please turn over your passbook, open a new page, and insert it again.

" is displayed. During this time, the payment device 61 returns a transmission impossible signal 1'-NACKI to the center system 65, but when the passbook P is reinserted and set at the printing position, it returns a transmission possible signal rACK-AJ and The center system 65 that received the data sends the remaining unrecorded data (text 4), and the printing device 18 prints this on the first line of the new page of the passbook P.

On the other hand, if the presence of the specific mark 7 is detected by the detector 28, it means that the passbook P is on its last page and the passbook is full of prints, so the passbook P is returned to its insertion slot 13.

In addition, since the passbook is full of prints at this time, a passbook issuing command is given to the passbook issuing device 19, which causes the passbook issuing device 19 to operate, and print the cover 1 of the new passbook PN that was previously sent from the center system 65. Print the account number and the corresponding user's name (in kana characters), and insert it into the passbook issuing slot 14.
to be discharged.

At this time, the display 15 displays, for example, ``Receive a new bankbook, open the first page, and insert it.

" is displayed. Therefore, the user receives the new bankbook PN from the bankbook issuing port 14, opens the first page (first page), and inserts it into the bankbook insertion port 13.

During this time, the payment device 61 returns a transmission impossible signal rNAcKl to the center system 65, but when the new bankbook PN is set in the print position, it returns a transmission possible signal "ACK-B", and the center system receives this. 65 starts transmitting again.

By the way, the transmittable signals include JACK-AJ and rACK.
- There are two types of codes: BJ, each with printing device 18.
It specifies the printing format in "Ac
K'-AJ indicates normal passbook printing, and rAcK-BJ indicates that when a new passbook is reissued, the carryover amount from the previous passbook will be printed on the first line.

The center system 65, which received the transmittable signal ACK-BJ, determines that the new passbook PN has been set in the printing device 18 of the payment device 61, and before transmitting the remaining unrecorded data (text 4). , the amount printed on the last line of the last page of the previous passbook is sent to the payment device 61 as the carryover amount.

As a result, the printing device 18 transfers the carryover amount to the new passbook PN.
is printed on the first line of the first page.

Next, the remaining unrecorded data (text 4) is transmitted from the center system 65, and the printing device 18 that receives it prints it on the second line.

The center system 65 has now completed the transmission, and the ledger file in the external storage section 71 has all unrecorded data (text 1
-4) are output, and the latest balance and final bankbook entry balance are updated to become as shown in Figure 7B.

On the other hand, the new passbook PN with the remaining red record data printed
is ejected into the insertion slot 13, and during this conveyance, necessary information such as the account number and the designated number of lines to be printed are recorded on the magnetic recording band 5 of the new passbook PN by the magnetic head 27.

The user then receives the new bankbook PN from the bankbook insertion slot 13.

In this way, when the passbook printout becomes full during printing, it is automatically determined and the passbook issuing device 19 is operated to automatically record the account on the magnetic recording band 5 without the intervention of an attendant. A new passbook PN with necessary information such as a number recorded and an account number and name printed on the cover 1 can be reissued, so that unattended processing when the passbook is full of prints can be automatically performed.

Therefore, this kind of equipment should not be installed outside the bank branch,
Alternatively, it is possible to respond to requests such as wanting to be able to use the service even outside of business hours even within the store.

In the above embodiment, necessary information such as the account number is magnetically recorded on the magnetic recording band 5 of the new bankbook PN by the printing device 18, but the present invention is not limited to this, and for example, as shown in FIG.
By providing the recording magnetic head 60 in the passbook issuing device 19, the passbook issuing device 19 may magnetically record necessary information such as an account number when issuing a new passbook PN.

Further, in the above embodiment, a specific mark is printed on the last page of the passbook in advance, and it is determined whether or not it is the last page by checking whether or not the above specific mark is present on that page when printing the passbook. However, it is not limited to this, for example, by printing the number of pages on each member of the passbook without setting a specific mark, reading the page number and comparing it with the set value (last page number). , it may be determined whether the page is the last page or not.

In addition, when the passbook printout is full, it is automatically determined and a new passbook is reissued by activating the passbook issuing device. If there is no space left, the passbook must be returned to the user to ensure that there are no remaining pages (passbook is fully printed).
The passbook issuing device may be operated by having the user confirm this and input a passbook issuance request command to reissue a new passbook.

Furthermore, although the case has been described in which the present invention is implemented in a passbook handling device used in an automatic cash dispensing machine, the present invention is not limited to this, and may be applied to a passbook handling device used in an automatic deposit machine, for example. Implementation is optional as long as it is a passbook handling device that has a printing device that prints transaction details on a passbook.

Effects of the Invention As detailed above, according to the present invention, there is provided a means for determining that there is no more printing space on the printing surface when printing a bankbook, and a means for determining whether or not the printing surface is the last page when printing a bankbook. and a means to operate when each of these means determines that there is no more printing space and that it is the last page,
By providing a passbook issuing device that reissues a new passbook with an information recording section and means for recording information in the information recording section of the new passbook, if the passbook becomes full during printing, an attendant can intervene. To provide a passbook handling device that can automatically reissue a new passbook in which necessary information such as account information is recorded in an information recording part without having to print the passbook, and can perform unattended processing when the passbook is full.

[Brief explanation of the drawing]

The figures show one embodiment of the present invention, in which Fig. 1 is a perspective view of a bankbook, Fig. 2 is a view of the bankbook with its last page opened, and Fig. 3 is a view of an automatic cash dispensing device. A perspective view schematically showing the whole, FIG. 4 is a perspective view showing the printing device being stolen, FIG. 5 is a side view showing the passbook issuing device being stolen, and FIG. 6 is a schematic diagram showing the configuration of the deposit system. The block diagram shown in FIG. 7A,
B is a diagram showing an example of the structure of a ledger file in an external storage section in the center system, and FIG. 8 is a side view showing a modified example of the passbook issuing device. P...Passbook, 1...Cover, 2...
...Back cover, 3...Page, 4...Print column, 5...Magnetic recording strip (information recording section), 6...
...Last page, 13...Passbook insertion slot, 14...
...Passbook issuing port, 18...Printing device, 19
...Passbook issuing device, PN...New passbook,
27, 60...Magnetic head.

Claims (1)

[Claims] 1. In a passbook handling device that has a printing device that prints transaction details on a passbook, there is a means to determine when there is no more printing space on the printing surface when printing on a passbook, and whether or not the printing surface is the last page when printing on a passbook. a passbook issuing device that operates when each of these means determines that there is no more printing space or that the page is the last page and reissues a new passbook having an information recording section; and information on the new passbook. 1. A passbook handling device comprising means for recording information in a recording section, and reissuing a new passbook in which necessary information such as account information is recorded in the information recording section.