JPS59114670A - Transaction operating device - Google Patents

Abstract

PURPOSE:To change automatically a check into the cash by inputting a secret number by operating the transaction button on a keyboard and inserting a customer card and then supplying a check, etc. on which the card-distribution identification code and the amount are entered. CONSTITUTION:The transaction button on a keyboard 7 is operated to insert a customer card to an inlet (not shown in the figure). Then the customer data on the card are read. Then a secret number is supplied in accordance with the guidance displayed on a display 6, and a traveler's check 1 is put into an inlet 3 after confirming the secret number. The check 1 is carried and the name and the sealing are read at an image reader part 8 to be collated with the registered data (not shown in the figure). When no coincidence of collation is obtained, the check is returned 4. While the amount is read by an OCR9 and displayed at a display part 6 when the coincidence is obtained, and the check 4 is stored 11 after the amount is confirmed. When the requested amount is supplied through the keyboard 7, the notes 10 are payed 5. The balance if any is transferred to the customer's account. In such a way, a check, etc. can be automatically changed into the cash.

Description

Detailed Description of the Invention: ia1 Technical Field of the Invention - The present invention relates to a transaction operating device such as a cash handling device operated by a user to carry out a transaction, and particularly to a transaction operating device such as a cash handling device that automatically disburses cash by inserting a check. The present invention relates to a transaction operation device capable of performing the following operations.

(b) Technical background Recently, automatic teller machines (auto-deposit) and automatic cash dispensing machines (auto-deposit machines), which are transaction operation devices, have been used at counters of financial institutions as part of computer banking systems.
ine (ATM) etc. are widely used. These devices are equipped with a media reading device, and are usually operated using a credit card (hereinafter referred to as a card) or a bankbook to perform transactions such as cash payments or deposits. Due to its convenience, it is becoming more and more popular, and there is also a demand for automatic cashing of checks by the device.

tc>Prior Art and Problems Currently, in the United States and other countries, checks are widely used as a normal means of payment, for example, in the case of paying salaries, medical expenses, etc. The use of checks is also increasing domestically. Traveler checks are also increasingly being used when traveling abroad.

When converting these checks into cash, conventionally, the customer goes to a counter at a financial institution, confirms whether or not there is an account, and then receives cash payment.

However, with the spread of automatic deposit machines, etc., the use of credit cards has become commonplace, and these cards can be used to automatically pay cash for checks, improving customer service and streamlining bank operations. is requested.

(d+Object of the Invention The object of the present invention is to meet the above-mentioned demands, and to provide a transaction operation device that can automatically cash a check.

te1 Structure of the Invention The present invention has an operation section through which the user inputs operations, a card insertion slot into which a card medium holding the user's transaction data is inserted, and a A medium insertion slot into which the medium to be written is inserted and a reading section that reads the card medium and data on the medium are provided, and input data input from the operation section and the card medium inserted from the card insertion slot and the medium insertion slot are provided. This is a transaction operation device characterized by being equipped with a transaction control unit that performs withdrawal or deposit transactions based on data read by a reading unit from a medium inserted into the transaction device, and in this way, the purpose can be achieved. .

(-Z) Embodiment of the Invention An embodiment of the invention will be described below with reference to FIGS. 1 to 6. Fig. 1 is a perspective view showing an embodiment of the present invention, Fig. 2 is a sectional view taken along line A-A in Fig. 1, Fig. 3 is a sectional view taken along line B-B in Fig. 1, and Fig. 3 is a sectional view taken along line A-A in Fig. 1. 4 is a side view showing the image league section of FIG. 2, FIG. 5 is a block diagram of FIG. 1, and FIG. 6 is a flowchart of FIG. 1. The same reference numerals indicate the same objects throughout the figures.

In Fig. 1, a card insertion slot 2 for inserting a card 17 is provided on the upper right side of the front of the device, a check insertion slot 3 for inserting a check 1 on the left side, and a return slot 4 for returning the check 1 is provided below. It is being

A dispensing port 5 for dispensing banknotes 10 is provided on the left side of the lower operation panel.
On the right side thereof, a display 6 for displaying and guiding the customer regarding operation details and the like, and a keyboard 7 for operating the requested amount and the like are arranged.

As shown in Figure 2, the inside of the device is connected to the conveyance path on the right side of the figure, behind the check insertion slot 3, and includes an image league part 8 that reads the name, stamp, etc. written on the check 1, and an image league part 8 that reads the name written on the check 1, a stamp, etc. Optical reading unit 9 that reads the numerical part
l (: character Reader: hereafter O
A check storage section 11 is provided behind the OCR section 9.

Further, behind the return port 4, there is provided a conveyance path indicated by a broken line in the figure that branches from the rear of the image league section 8 and the rear of the OCR section 9. A cash counter 14 is installed at the rear of the central part of the device.

Further, behind the card insertion slot 1 in FIG. 3, there is a read/write section 1 for reading and writing the magnetic stripe of the card 17.
3 is provided, and a printer section 12 for printing transaction details on journal paper 20 is provided on the right side thereof. A control section 15 is arranged at the lower rear part of the device.

FIG. 4 shows the image league part 8 of FIG. 2, and a charge-coupled device (Charge
An image sensor 81 consisting of a coupled device (CCD) is arranged, and a lens 8 is placed above it.
2, and a light source lamp 83 is arranged above to illuminate the name, seal, etc. written on the running check 1.

Therefore, when the check 1 is sent to the image league section 8 in the direction of the arrow in the figure, the name, seal, etc. of the check 1 are illuminated by the light from the light source lamp 83, and the reflected light is passed through the lens 82 to the image sensor. 81 scans and reads it as image data, and compares it with the registered name and seal stamp retrieved from a registration section (not shown) for verification.

Further, in the block diagram of FIG. 5, 15a is a main control section;
Reference numeral 151 indicates a line control section. The line control unit 151 controls data transmission and reception with the computer center.

With this configuration, when cashing a check 1 using this device, as shown in flowchart 1 in FIG. 6,
First, when the transaction button on the keyboard 7 is operated and the card 17 is inserted into the card insertion slot 2, the customer data on the card 17 is read.

Next, an operation guide is displayed on the display 7, so the user inputs the password using the keyboard 7, and when the password is confirmed, the check 1 is inserted.

The inserted check 1 is sent along a conveyance path, and the image league section 8 reads the name and seal stamped thereon and compares it with the registered data. When it is determined that the checks do not match, the check 1 is returned to the return slot 4 from the rear of the image league section 8 via the conveyance path shown by the broken line. If it matches the registered data, the OCRCeO2 amount is further read and displayed on the display 6. When the displayed amount is confirmed, the check 1 is delivered to the OCRCeO2 and stored in the storage section 11.

Enter the requested amount using the keyboard 7, then press the display 6 again.
When the user confirms the displayed amount and presses the confirmation button, banknotes 10 of the specified amount are dispensed from the cash counter 14 and dispensed to the dispensing port 5.

The difference between the amount of check 1 and the requested amount, that is, the remaining amount, is transferred to the customer's account.

If the amount of the check 1 is confirmed as No, the transaction is interrupted and the check 1 is returned from the OCRCeO 2 to the return slot 4 via the conveyance path shown by the broken line.

By inserting the card 17 and the check 1 in this manner, the check 1 can be automatically converted into cash.

The above example was explained as a device that handles checks independently, but it is also possible to use a cash dispenser (Cash Dispenser).
It goes without saying that the same effect can be obtained even if the present invention is used by adding functions to transaction operation devices such as CDs, ATMs, etc.

(g1) As described in detail, according to the present invention, checks can be automatically cashed, which not only streamlines business operations, but also improves customer service. There is an effect that it can be done.

[Brief explanation of the drawing]

FIG. 1 is a perspective view showing an embodiment of the present invention, FIG. 2 is a cross-sectional view taken along line A-A in FIG. 1, and FIG. 3 is a B-B in FIG. 1.
4 is a side view showing the image league part of FIG. 2, FIG. 5 is a pronk diagram of FIG. 1, and FIG. 6 is a flowchart of FIG. 1. In the figure, 1 is a check, 2 is a card insertion slot, 3 is a check insertion slot, 4 is a return slot, 5 is a payout slot, 6 is a display, 7 is a keyboard, 8 is an image league part, 9 is an OC
In the R part, 1o is a banknote, 11 is a check storage part, card read/write part 13.14 is a cash counter, 15 is a control part, 15a is a main control part, and 151 is a line control part. 42 Cow Figure 1 s hMl , v A l sword

Claims (1)

[Claims] An operating section for the user to input operations, a card insertion slot for inserting a card medium holding the user's transaction data, and a card insertion slot for inserting a medium on which the user identification data and transaction request amount data are written. A medium insertion slot, a reading section for reading the card medium and the data on the medium are provided, and input data input from the operation section, the card medium inserted from the cart insertion slot and the medium insertion slot are provided. A transaction operation device comprising a transaction control unit that performs a withdrawal or deposit transaction based on data read by the reading unit from a medium inserted.