JPS59229375A - Bankbook handling apparatus - Google Patents

Abstract

PURPOSE:To make it possible to carry out unattended service when a bankbook has already been fully printed by providing a bankbook issuing device which operates when a judging means judges that a new bankbook is to be issued and a printing means which prints information on the amount of money brought forward to be printed. CONSTITUTION:For example, when a cash dispenser 61 detects that a bankbook has already been fully printed by detecting a specified mark shown in its last page, a bankbook issuing device issues a new bankbook with the customer's account No., etc. printed on its front cover. When this new bankbook is inserted through a bankbook inserting slit, the dispenser sends signals for requesting transmission to a central processing section 65 which resumes transmission of signal, and the latest balance, the last balance printed on the previous bankbook and data not printed yet are printed in order from the first line of the new bankbook by transmission possible signal ACK-B and the new bankbook is returned through the inserting slit. By this method, it becomes possible to carry out unattended service when a bankbook is no longer printable, and the transfer of data from the old bankbook to a new one can be made clear.

Description

DETAILED DESCRIPTION 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 that prints 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 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 prior to the transaction will be printed on the printed side of the passbook, including the side digits, resulting in so-called unrecorded additions. I will do it. Therefore, the amount of printing on passbooks has increased, and the number of new passbook reissuance operations has also tended to increase significantly.

Conventionally, passbook handling devices used in currency separation devices such as automatic deposit machines and automatic cash dispensing machines in such deposit systems automatically print transaction details on passbooks brought by users. It has a built-in printing device, but if the passbook becomes full during a transaction, that is, when printing the passbook,
In other words, if there are items that should be printed on the last line of the last page of the passbook, the device will

The system instructs the user to go to the deposit counter, where the user receives a new passbook that has been reissued by the staff at the deposit counter, and then returns to the device and operates it again, which is a very troublesome procedure. It was required. However, this type of device is characterized by the ability to conduct desired transactions freely and automatically without the intervention of staff, and can be used outside of business hours, as well as at railway stations or other locations outside of stores. It may also be installed at depots, etc. In this way, in a usage environment where there is no staff in the vicinity of the device, it is impossible to reissue the new passbook as described above, and these restrictions limit the introduction of this type of device and limit its use. This hindered its spread.

The present invention has been made in view of the above circumstances, and its purpose is to:
With the help of a staff member, a new passbook can be automatically issued,
Moreover, it is an object of the present invention to provide a passbook transaction device that can automatically perform carryover printing on a new issued passbook and perform non-input processing when the passbook is full of prints.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings, for example, when it is applied to 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 A plurality of lines (for example, 17 lines) of printing fields 4 are printed on the printing surface. A magnetic recording strip 5 is attached to a predetermined portion of the surface of the back cover 2, and data such as a bank name code, account number, and designated number of lines to be printed are magnetically written on the magnetic recording strip 5. be included. For example, a rectangular specific mark 7 is printed in black on the lower left side of the final page 6. This specific mark 7 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. Passbook insertion slot 13. Insert the passbook with the passbook open. A passbook issuing port 14 for reissuing a new passbook, a display 15 for displaying various operating instructions such as the amount, and a withdrawal port 16 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 key 7 card 17 for setting a password, amount, etc. is provided on this stepped portion 11m.

The housing 11 houses a dispensing mechanism, its control unit (none of which is shown), and the like. These dispensing mechanism and control unit are connected to the data from the card inserted into the card insertion slot 12 and the key H? -Correspondence 5- with manual data from code 17- is checked, and if the correspondence is predetermined, a predetermined cash payment operation is performed.This is already a well-known technique, so its details are as follows. Further explanation 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 single mark prepared in advance, and returns or ejects it from the passbook insertion slot 13. It is configured as shown in . That is, 21 is a passbook guide frame, which communicates with the passbook insertion slot 13 and horizontally guides the passbook P inserted from the passbook 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, and the solenoid 923 is operated to open the shutter 24, and the reversible motor 25 operates to drive the conveyance path 26, and the conveyance path 26 pinches and conveys the passbook P to take it in. It is magnetic or has predetermined data written on it. The magnetic recording band 5 includes:
As mentioned above, data such as the designated number of lines to be printed is written in addition to the bank name code and account number, and the stopping position of the passbook P is determined by reading the designated number of lines to be printed. There is. 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 the platen roller 30 driven by the nozzle smoke 29 and the tension roller 3, so that the leading end of the passbook P is located at a predetermined position. When detected by the optical detector 32, the standard A? determined by the specified printing line read by the magnetic head 27 is detected. The motor 29 is driven by the amount of time and stops. As a result, the bankbook P stops at the next line of the already printed line corresponding to the printing position. 3
3 is a wire dot type print head, and this print head 33 has a support base 34 connected to a pulse motor 35 and a wire 3
6 and a pulley 37 along the lot ''38 to print on a bankbook P or a slip S to be described later. Reference numeral 39 is an Increden cassette, and 40 is an Increden cassette. be.

On the other hand, a stacking box 41 is provided in the lower part in front of the platen row 230, and a large number of sheets S are stacked in the stacking box 4 in an upright position. The collection box 41 is
It is slidable in the front and rear directions along the guide shaft 42, and is always urged toward the front by a spring 43. When printing on the slip S, the solenoid 44 is energized, and the removal prevention plate 45 is pulled against the repulsive force of the spring 46, so that the slip S is driven by the motor 29. Take-out roller 47.47
is pressed against. Then, as the motor 29 rotates in the opposite direction to the direction when taking in the passbook, the take-out rollers 47, 47
rotates in the take-out direction and due to friction with the single sheet S, the single sheet S becomes 1
A sheet is taken out. 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. Accordingly, the leading end of the cut sheet S is stopped in correspondence with the printing position.

After the printing has been completed, the passbook P or slip 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. The slip S is to be ejected into the insertion slot 13.

=9- Furthermore, 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 transfers it to the passbook issuing port 1.
4, and is constructed as shown below.

That is, in the storage box 51, a plurality of unprinted new bankbooks pN similar to those shown in FIGS. 1 and 2 described above are stored in a closed state with the cover 1 facing upward. When a passbook issuance command is given, the sealant solenoid 52 is energized, and the push rod 54 is pushed through the link 53 to the opening 5 provided at the bottom of the storage box 51.
Push out only one passbook PN at the bottom from 1m. The pushed out passbook PN is moved by a motor 55 that rotates in the direction of the arrow shown in the figure.
A conveyor roller 57 driven via a belt 56 by
, 57.57, the paper is conveyed toward the passbook issuing port 14 and temporarily stopped on the printing table 58. And here to print rad 5
9, the account number, user's name, etc. are printed on a predetermined area on the cover 1, and when the printing is finished, the motor 55 is operated again, so that the new passbook pN is ejected to the passbook issuing port 14. .

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, each have a modem 63, 63, .・and communication lines 64, 64.
... and the center system (central processing unit) e
connected online to s. Above center system 65
is a collection modem 66, an input/output control section 67, and a central processing section 6.
8, an internal storage section 69, a calculation section 70, an external storage section (ledger file) 71, etc.

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 enters his/her personal identification number using key 7]? By setting the password with -ply, the password will be checked against the password read from the card, and if both passwords match, the process will proceed to the next step, and the display 15 will display a message such as "Please insert your passbook. If you have forgotten it. -Please press the Forgot Passbook button.'' is displayed. If you forget your passbook, by pressing the passbook forget key provided in the key bead 1f, 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 you bring a bankbook P with you, insert it into the insertion slot 13 with the designated page open.
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 displays, for example, "Please press the amount." Therefore, the user uses the key d? - By setting a desired amount with the card 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.

Also, the key? - When the amount is set in the code 17, that amount is sent to the center system 65 along with the read account number.
transmitted to. The transmitted data is stored in the internal storage section 69.
The ledger file data for the account number is read out from the external storage section 71. Here, it is assumed that the read data at that time is, for example, as shown in FIG. 7(4), 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 passbook 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, when the printing device 18 receives the 53rd unrecorded data (Text 13-3) and finishes printing, it determines that there is no more printing space on the page and transports the 1mm sheet in the direction of its insertion slot 13. do. During this transportation, the detector 2
8 checks whether or not there is a specific mark 7, and if the presence of the specific mark 7 is not detected, the passbook P is inserted into its insertion slot 13.
, and the display 15 displays, for example, ``Please turn over the bankbook, open a new page, and insert it again.'' During this time, the payment device 61 returns a transmission impossible signal rNACK J to the center system 65, but when the passbook P is reinserted and set in the printing position, a transmission possible signal rACK-
AJ is returned, and the center system 65 that receives this sends the remaining unrecorded data (text 4) to the printing device 18.
This is printed on the first line of the new page of passbook P.

On the other hand, if the presence of the identification mark 7 is detected by the detector 28, it means that it is the last page of the bankbook P and therefore the bankbook is full of prints, so the bankbook P is returned to its insertion slot 13. Well, at this time, the passbook is full of prints, so the passbook issuing device 1914 - issuing device 19 operates, and the account number and the corresponding user's account number that were previously sent from the center system 65 are printed on the cover 1 of the new passbook PN. The name (kana characters) is printed and discharged to the passbook issuing slot 14. At this time, the display 15 displays, for example, "
When you receive your new passbook, 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 negative page), and inserts it into the bankbook insertion port 13. During this time, the payment device 61 returns the transmission impossible signal "NAcKJ" to the center system 65, but when the new passbook PN is set in the print position, it returns the transmission possible signal "ACK-Bj", and the center system that receives it returns the transmission possible signal "ACK-Bj". 65 starts transmitting again.

By the way, the transmittable signals include jAcK-A J and rAC.
There are two types of printers: K-BJ, each with printing device 1.
It specifies the print format in 8, and l'
-ACK-AJ indicates normal passbook printing, and “AcK-B
J indicates that when a new passbook is reissued, the amount carried forward 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 bankbook 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. With this, the center system 65 has completed the transmission, and all unrecorded data (texts 1 to 4) is output from the ledger file in the external storage section 71, and the latest balance and final recorded balance of the passbook are updated. The result will be as shown in Figure 7).

On the other hand, the new passbook PN where the remaining unrecorded data has been printed
is ejected into the insertion slot 13, and during this transportation, data such as the account number and the designated number of lines to be printed are written 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 print area becomes full during printing, it is automatically determined and the passbook issuing device 19 is activated, so that the cover page 1 is automatically printed without the intervention of an attendant.
A new passbook PN with the account number and name printed on it and the account number written on the magnetic recording band 5 can be reissued.
Therefore, unattended processing when the passbook is full of prints can be performed automatically. Therefore, it is possible to meet the demand for this type of device to be installed outside a bank branch, or for it to be available even outside of business hours even inside a bank branch.

In the above embodiment, a specific mark is printed in advance on the last page of the passbook, 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, we do not set the special 17 constant mark, and print the number of pages for each member of the passbook.
By reading the number of pages and comparing it with a set value (the final number of pages), it may be determined whether or not the person is a member of the general public. In addition, when the passbook printout is full, it is automatically determined that a new passbook is reissued by activating the passbook issuing device. If there is no more printing space, the passbook is returned and the user is asked to confirm that there are no remaining pages (passbook printing is full), and the user manually issues a passbook issuance request command to activate the passbook issuing device and issue a new one. The passbook may be reissued.

Furthermore, in the above embodiment, the account number, name, etc. were printed on the cover of the reissued new passbook, but this is not the only option. The reissuance procedure may be formally carried out by a staff member. In addition, although the account number was magnetically written on the magnetic recording band of the new passbook using a printing device, this is not limited to this, for example, by providing a magnetic head for drawing in the passbook issuing device, it is possible to issue a passbook. The device may magnetically write the account number when issuing a new passbook. Furthermore, although the case has been described in which the present invention is applied to 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. can be applied to any passbook handling device that has a printing device that prints transaction details on a passbook.

In addition, the present invention is not limited to the embodiments described above, 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, the passbook handling device of the present invention includes a determining means for determining whether or not it is necessary to issue a printable passbook to a passbook received from the passbook insertion slot, and a new passbook by this determining means. By providing a passbook issuing device that operates to issue a new passbook when it is determined that issuance is necessary, and a means for printing carryover printing information on the passbook issued by this passbook issuing device, it is possible to When the printing capacity becomes full, a new passbook can be automatically issued without the intervention of an attendant.5 Furthermore, the issued new passbook can be automatically carried over and printed, allowing for unattended processing when the passbook printing is full. becomes. Furthermore, since carryover printing can be performed automatically, it becomes easy to understand the progress of transactions transferred from the old bankbook to the new bankbook.

[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. FIG. 4 is a perspective view showing the configuration of the printing device, FIG. 5 is a side view showing the configuration of the passbook issuing device, and FIG. The block diagram shown in FIG. 7 is a diagram showing an example of the configuration of a ledger file in an external storage section in the center system. P...Passbook, 3...Page, 4...Print column, 6...
Last page, 13... Passbook insertion slot, 14... Passbook issuing slot, 18... Printing device, 19... Passbook issuing device, PN
...New passbook. Applicant's representative Patent attorney Takehiko Suzue Figure 1 Figure 2 Figure 6 65 1 Figure 7 (A) (B)

Claims (1)

[Claims] In a passbook handling device having a printing device for printing transaction details on a passbook received from the passbook insertion slot, a determining means for determining whether or not it is necessary to issue a passbook from time to time after printing on the passbook received from the passbook insertion slot; A passbook issuing device that operates to issue a new passbook when the determining means determines that it is necessary to issue a new passbook, and a means for printing carryover printing information on the passbook issued by the passbook issuing device. A passbook handling device featuring: