JPS5971572A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To relieve the load of a customer having a specific account in a constant transaction money amount, by discriminating whether a transaction medium has a prescribed account or not, reading out a prescribed amount of transaction from a recording means and displaying it on a display. CONSTITUTION:When a key 6 corresponding to the payment is depressed at the selection of transaction item, a main control section 201 checks whether or not a card is inserted, and when the card is inserted, the state of the account number is checked by a message from a central processing unit 221. When the account number indicates possibility of payment, the control section 201 displays the operation guide of indication of payment money on a CRT display 7. When a customer inputs the payment amount by using the key 6, the control section 201 checks whether or not the monetary amount exceeds the limit, and when it exceeds the limit, the operation guide of ''The requested money amount exceeds the limit. Please indicates payment again'' is displayed 7. Since one payment money is registered in a transaction information file 224 of the unit 221 in advance, the operation of payment input and confirmation is simplified.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device that automatically performs transactions such as deposits, withdrawals, and transfers.

[Technical background of the invention and its problems]

In conventional automatic transaction devices, customers input the transaction amount in transactions such as withdrawals and transfers. However, with such devices, even if the amount per transaction is constant or the amount per transaction is desired to be constant, the customer must input the transaction amount for each transaction, and the customer There was a problem that it placed a burden on

[Purpose of the invention]

This invention was made in view of the above circumstances, and its purpose is to provide an automatic transaction device that can reduce the burden on customers by eliminating the hassle of depositing money into a specific account with a fixed transaction amount. It is about providing.

[Summary of the invention]

This invention determines whether or not a transaction medium of a predetermined account has been inserted, reads a certain transaction amount from a storage means stored corresponding to the predetermined account according to the result of this judgment, and is displayed as the transaction amount.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

No. 1121 shows an automatic deposit machine as an external wall-shaped automatic currency transaction device. That is, a customer service section 3 opened from an outer wall 2 of the building is formed on the front side of a casing 1 installed inside the building. The customer service section 3 is formed approximately at the center of the housing 1 in the vertical direction, and has a horizontal operation panel 4 and a vertical operation panel 5 rising along the rear edge of the horizontal operation panel 4. .

A keyboard 6 consisting of a numeric keypad, etc., and a CRT display section 7 are arranged on the horizontal operation panel 4, respectively. Further, at the bottom of the vertical operation panel 5, there is a barb extraction section 8. Envelope insertion slot 9. Slip takeout port 10. and banknote outlet 11.
A passbook insertion slot 12 and a card insertion slot 13 are arranged at the top.

Further, a speaker hole 14 is provided on the side surface of the customer service section 3, and a speaker (not shown) is built inside the speaker hole 14.

Further, the customer service department 3 includes the keyboard 6, a CRT display section 7, an envelope takeout section 8, an envelope insertion slot 9, and a slip takeout slot 10.
, a curved shutter 15 that can be opened and closed to seal the banknote outlet 11 and the speaker hole 14 is provided. The curved shutter 15 is provided for crime prevention, protection from wind, rain, and debris, and is made of transparent reinforced plastic in the shape of a portion of a cylinder with a certain curvature. A light-emitting element 16 and a light-receiving element 17 are provided inside both sides of the customer service section 3, and these allow υ,
A foreign object detector 18 is configured to detect foreign objects such as paper, hands, etc. inside the curved shutter 15.

By the way, as shown in FIGS. 2 to 4, inside the housing 1 are a card reading device 2 for reading information on an ID card inserted through the card insertion slot 13, and a card designated as the bill extraction slot 11. A dispensing mechanism 22 for dispensing banknotes P of the amount, a passbook reading/printing device 23 for reading the magnetic strike 0 of the passbook inserted through the passbook insertion slot 12 and recording transaction details in the passbook and journal, and from the envelope insertion slot 9. An envelope processing device 24 which is capable of applying predetermined printing to the inserted envelope and taking it in, and which can take out the envelopes one by one from the envelope take-out section 8; A slip issuing device 25. Power supply device 2
6. Control device 27. A control knob 28, a shutter receiving mechanism (not shown) for receiving the shutter 15, and the like are accommodated.

Only the wall thickness of the casing 1 that houses the above-mentioned dispensing mechanism 22 is made thicker, and the wall thickness is made from a strong material such as laminated cold-rolled steel, stainless steel, etc., and the wall thickness is approximately 10 to 30 mm. 1 is constructed of cold rolled steel with a wall thickness of 1 to 2.

This provides the housing with sufficient functionality for crime prevention.

FIG. 5 shows the card reading device 2, and 3 is a transport path for cards inserted from the card insertion slot 13. This conveyance path 3 is constituted by a plurality of conveyance roller pairs 32, . . .
Shutter mechanism 33. Magnetic head 34. Holding section 3
5° and an embossed portion 36 are disposed, and the distal end faces the collection storage 37. Note that 3B, 39, 40°41.42 are card detectors, which are well-known circuits consisting of a light emitting element and a light receiving element, and the card detector 38 is for the entrance;
- Card detector 4 is for holding, and card detector 42 is for collecting. Each of the conveying roller pairs 32 is composed of a drive roller 43 and a pinch roller 44.

A conveyor belt 45 is wrapped around the drive roller 43, and the pinch roller 44 is in rolling contact with the drive roller 43 via the conveyor belt 45. Further, the drive roller 43 is driven by a motor 46 that can rotate forward and backward. Further, the pinch roller 44 disposed on the side of the card insertion slot 13 is controlled so that the pressing force is strong when the card is being transported, and weak when it is not being transported.

The shutter mechanism 33 has a shutter 47 between the pair of conveying rollers 32 on the card insertion slot 13 side and the next pair of conveying rollers 32.
The conveyance path 31 is opened and closed by protruding, and the pinch roller 44 on the card insertion slot 13 side is interlocked with the pinch roller 44.

That is, the pressing force of the pinch row 244 is strong when the shutter 47 is opened, and weak when the shutter 47 is closed.

The magnetic head 34 is disposed coaxially with a pinch roller 44 of the pair of conveying rollers 32, and the card is held down only by the pinch roller 44 so that the conveying force of the card does not change when the magnetic head 34 processes information. It is designed to be transported by The holding section 35 is formed on the conveyance path 3, and can temporarily hold cards on the way to being conveyed. The embossing section 45 is adapted to copy the account number etc. recorded in a concave and convex pattern on the card onto a slip or the like. The collection warehouse 47 accommodates and stores collected cards.

When the card is inserted from the card insertion slot 13 and the card detector 38 detects the insertion of the card, the pulse motor 46 is activated and the shutter 47 is opened, so that the card is taken in and transported. Then, while being transported, information is processed by the magnetic head 34, and the embossed part 36
It will be temporarily suspended. After the embossing operation is performed, the spool motor 46 is reversed to return the card to the card insertion slot 13, and the card is returned or collected.

That is, first, a card discharging operation is performed. After the card is detected by the card detector 38 for a predetermined period of time, the pulse motor 46 is stopped and the shutter 47 is closed. At this time, the card is held with a portion thereof protruding from the card insertion slot 13.

When the card detector 38 detects that the card has been removed by the customer, the transaction ends and the next transaction can be executed from the initial step. On the other hand, when the card is detected by the card detector 38 for a predetermined period of time, the pulse motor 46 is activated to take in and convey the card, and the shutter 47 is opened. Then, after a predetermined period of time has elapsed in which the card detector 4 detects the card, the Mars motor 46 stops. At this time, the card is placed in the holding section 35 and held. Next, when the customer realizes that he has forgotten to take the card, the customer presses down on the keyboard 6 to input return request input data, such as an ID number, and this input ID number is registered in the transaction made using the convex card. Related information e.g. I recorded on the card
If the number matches the D number, the Mars motor 36 is activated to return the card held in the holding unit 35, the card is discharged, and the above steps are repeated. Therefore, it is possible to reliably and automatically return a card that was forgotten and put on hold to the customer who forgot to take it. In addition, if the entered 10 number and the ID number recorded on the card do not match, this check can be performed up to 3 times.
If the button does not match even after pressing the button three times or more, the transaction will be stopped.

On the other hand, if the next customer presses the item button to start a transaction before entering the ID number, the pulse motor 46 is activated and the previous customer's reserved card is transferred to the embossed part 3.
6 and the card detector 42 and are collected into the collection warehouse 37. At this time, for example, when a payment operation is performed, after pressing the item button, the next customer's card is transferred to the next customer's card retrieval operation in a short time. Since the direction is the same,
The operation of collecting the card of the previous customer and the operation of taking in the card of the next customer can be performed simultaneously by simply rotating the pulse motor 46 in a predetermined direction. Then, once the card is collected, the next transaction step takes place.

As shown in FIG. 6, the dispensing mechanism 22 is divided into a first unit device 5 and a second unit device 52, and the lower first unit device 5 is equipped with a dispensing box 53,54. It is possible to install it in a state where it is rotated 180 degrees with respect to the second unit device 52 on the upper side.

Above 1. The second unit devices 51 and 52 will be explained based on FIG. That is, the first unit device 5 is located at the front part (on the right side in the figure). ,
54 are arranged in the vertical direction, and, for example, ten thousand yen bills P are stored in the upper deposit box 53, and thousand yen bills P are stored in the lower deposit box 54. These, 1st. The second withdrawal boxes 53 and 54 are each equipped with a mechanism 55 for taking out stored banknotes P and a backup mechanism 56 for pressing the stored banknotes P against the removal mechanism 55 side with appropriate pressure. P or a thousand yen bill P is selectively taken out.

Further, a first unit device 51 is provided at the rear of the first unit device 51 (on the left side in the figure). A supply conveyance path 57 is formed for supplying and conveying banknotes P selectively taken out from the second cash withdrawal box 53, 54 to the second unit device 52 side. This supply conveyance path 5
7 is a ten thousand yen bill P taken out from the first cash withdrawal box 53...
the first dedicated conveyance path 57a for conveying the
A second dedicated conveyance path 57b for conveying the thousand yen banknotes P taken out from the first . second conveyance path 57a,
Ten thousand yen banknotes P..., thousand yen banknotes P transported by 57b
It is constituted by a common conveyance path 57c that successively conveys...

The first dedicated conveyance path 57a includes a banknote detector 58 for detecting the removal of the ten thousand yen banknote P from the first cash withdrawal box 53, and a second
A banknote detector 59 for detecting the removal of the 1,000 yen banknote P from the second cash withdrawal box 54 is arranged in the dedicated conveyance path 57b, and the common conveyance path 57c detects stacking, folding, and folding of the banknote P. A banknote detector 60 and a banknote detector 114 for detecting tears and the like are sequentially arranged.

Further, the first dedicated conveyance path 57a includes first conveyor belts 6J, 61 (only one of which is shown) and a second conveyor belt 62.
62 (only one of which is shown), the second dedicated conveyance path 57b connects to the third conveyance belt e3. es (only one shown) and the fourth conveyor belt 64, 64 (only one shown), and the common conveyance path 57a is the first
conveyor belt 61.61 and a third conveyor belt 63.63
A mutually opposing portion is formed between the first conveyor belt 61, 61 and a fifth conveyor belt 65°65 (only one of which is shown).

Each of the conveyor belts 61 to 65 is caused to run in a predetermined direction by transmitting the driving force of the motor 67 to some of the rollers 66 over which these belts are stretched, via a power transmission system 68. It has become.

Still, the common conveyance path 57c conveys the banknotes P upward so as to substantially follow the front end surface of the first unit device 5, and then conveys them substantially horizontally and rearward. The horizontal portion of this common conveyance path 57c is provided with a first bank that is selectively used for transporting banknotes P... to the second unit device 52 side.
A second banknote discharge section 69,70 is formed. That is, the first banknote discharge section 69 is connected to the third conveyor belt 6, ? ,
The middle part of the first conveyor belt 61.61 was pushed through the push roller 72 into the space 71 formed between the folded part of the first conveyor belt 63 and one of the folded parts of the fifth conveyor belt 65.65. In this configuration, a first guide plate 73 is arranged. Further, the second bill discharging section 70 is
The first conveyor belts 61, 6 are supported by rollers 66 so as to be along the other folded portion of the conveyor belts 65, 65, and a second guide plate 74 is disposed.

Further, the second unit device 52 is configured as shown in FIG. That is, in the center part of the second unit device 52 in the front-rear direction (the center part in the left-right direction in the figure), there is a take-in conveyance path 7 for upwardly taking in and conveying the payment banknotes P received from the banknote receiving part 75.
7 is formed. A first distribution gate 78 is arranged at the end of the intake conveyance path 77.
When the leading edge of the banknote P reaches the banknote detector 79 disposed in the middle of the banknote detector 79, a dart such as a rotary solenoid is used to selectively feed the banknote P into the genuine banknote transport path 80 or the rejected banknote transport path 81. It is adapted to be switched via an actuating device 82.

The intake conveyance path 72 is formed by a mutually opposing portion of a sixth conveyor belt 83°83 and a seventh conveyor belt 84.
The genuine banknote conveyance path 8o is formed by the upper surface of the upper horizontal portion of the sixth conveyor belt 83.83 and the mutually opposing portion of the eighth conveyor belt 85.85, which overlaps a part of the upper surface of this upper horizontal portion. . Further, the rejected banknote conveyance section 8 is formed by a mutually opposing portion of the seventh conveyor belt lJt, the upper horizontal part of a4, and the ninth conveyor belt 86, 86 which partially overlaps this upper horizontal part. ing.

Each of the conveyor belts 83 to 86 is wrapped around a roller 8.
The driving force of the motor 88 is transmitted to some of the motors 7, .

Further, an impeller 90.90 is provided at the terminal end of the genuine banknote conveyance path 8o.
are arranged, and the genuine banknotes P conveyed by the genuine banknote conveyance path 80 pass through each blade 90a of the impellers 90, 90.
.
A conveyor belt 93 that forms the lower side of the slot and is used for both discharging and collecting purposes.
．． 93.

The above-mentioned conveyor belt 93° 93, which is used for both dispensing and collection, is passed around a row 298 disposed near the bill ejection port 11 and a row 299 disposed near the bill receiving section 75, and is connected to the banknote ejection port 1 on the upper surface thereof. A pinch roller 100 is placed on the side, and the sixth conveyor belt 83°8 is placed on the banknote receiving section 75 side.
3 are in a polymerized state.

Thus, the banknotes P... accumulated in the temporary stacking section 91 are separated by the pressing operation of the two pavers 92, 92, which function as pressing bodies, and the dispensing or collecting direction of the conveyor belts 93, 93 that serve both dispensing and collecting. Along with the selective running operation of the banknotes, the banknotes are taken out all at once to the banknote takeout port 11 side or to the collection warehouse 101 side, which will be described later.

Still, between the pinch roller 100 and the poetry collection part 5, there is a group of banknotes P to be collectively dispensed to the banknote outlet 1.
- A banknote detector 1θ2 is arranged to detect the rear end of the banknote and stop the running operation of the conveyor belt 93,93.

Further, a shutter 104 that is opened and closed by a solenoid 103 is arranged between the bill outlet 11 and the pinch roller 100, and a bill detector 105 is arranged on the rear side of the shutter 104.

On the other hand, if the banknotes P... dispensed to the banknote outlet 1 are forgotten, or if the rejected banknotes P... which were placed in the temporary stacking section 9 are mistakenly stacked. In this case, these banknotes P... are transported to be stored in a collection warehouse 101 provided at the rear of the second unit device 52 via the collection transport paths 10 and 6. This recovery conveyance path 106 is connected to a conveyor belt 93 that is used for both dispensing and collection.
．． 93, the intake conveyance path 77, the rejected banknote conveyance path 8, and the rear lower surface of the ninth conveyance belt 86 on which the tenth conveyance belt 107 is superimposed, and this terminal end is It is facing Warehouse 10.

Further, a second sorting dart 109 operated by a solenoid 108 is provided near the terminal end of the rejected banknote conveyance path 81 that forms the middle part of the collection conveyance path 106 . Then, the stacked rejected banknotes P... are collected in the collection warehouse 101.
The banknotes P..., which have been conveyed to the reject warehouse 110 arranged at the front of the bank, are sorted by allowing the banknotes P... to proceed straight and be stored in the collection warehouse 101, respectively.

Further, a banknote detector 11 for detecting the passage of banknotes P on the transport path is located at the midway point of the genuine banknote transport path 80, and a banknote detector 11 for detecting passage of banknotes P on the transport path is located at the midway point of the rejected banknote transport path 8. A banknote detector 112 that detects the passage of banknotes P on the conveyance path 66 is located in the middle of the collection conveyance path 66.
13 are arranged respectively.

Note that the banknote detector 2B, 29,79°102,11
Reference numerals 1, 112, 113, and 114 have a well-known structure consisting of, for example, a light emitting element and a light receiving element.

FIG. 7 shows the passbook reading/printing device 23. As shown in FIG. That is, a pair of optical detectors 12 are provided inside the passbook insertion slot 12 and in contact with the passbook insertion slot 12 . The detector 121 is composed of a light source 122 and a light receiver 123.

A conveyance path 124 extends from the detector 121 into the device 23.
is provided. The conveyance path 124 includes rollers 125,1
A belt 126 stretched between 25 and a pinch roller 127
and upper and lower guide plates 128 and 129.

In addition, the guide plate 128 is provided with a page mark indicating the number of inserted pages of the passbook and a reader 148 that optically reads the final print pattern, and the guide plate 129 is provided with a reading unit 148 that optically reads the page mark indicating the number of pages inserted in the passbook. A magnetic head 147 for reading is provided.

The pinch roller 127 is connected to the row 2125 by the spring 130.
biased toward the side. The roller 125 is driven by a roller motor 132Kj via the belt 13. A platen 133 is positioned so that its circumferential surface protrudes above the conveyance reference plane S of the conveyance path 124.◇In front of and behind the platen 133, there are bankbooks that are inclined to rise toward the platen 133. A pair of presser guides 134 are provided for pressing. Furthermore, a printer 135 is provided opposite the platen 33 via the conveyance path 124. This printer 135 includes a print head 136 and a slide rod 137 while holding this head 136.
Carriage 1 moving parallel to platen 133 along
It consists of 38. This carriage 138 is driven by a pulse motor (not shown). Furthermore, a journal paper 139 is wound around the platen 133. Journal paper 139 is wound and held on delivery shaft 140, and is wound onto take-up shaft 14 via grating 133. Journal paper 139 is pinched and conveyed by feeding roller 2142 and pinch roller 143 facing thereto. The pinch roller 143 is urged toward the feed roller 142 by the spring 130. Feed roller 14
2 and the winding shaft 141 are driven by a pulse motor 146 via belts 144 and 145. In addition, the winding shaft 1
41 rotates at a higher speed than the feed roller 142, and when the load becomes heavy, the belt 145 slips.

FIG. 8 shows an envelope processing device. That is, an envelope issuing device 150 is provided inside the handle 8 of the envelope take-out section.

This envelope issuing device 150 issues one envelope at a time to contain cash for deposit, and is designed so that it cannot be taken out except during a deposit transaction. As shown in FIG. 9, the envelope issuing device 150 has springs 152, 15 inside the hopper 15.
A push plate 153 is provided which is pressed by the pusher 2, and an unused envelope is placed on this push plate 53. At both ends of the handle 8 are shafts 156 that are slidable through openings 154 and 154 provided in the customer service section 3.
, 156 are fixed at one end. Above shaft 156.15
6 is a support 157 provided on the upper part of the hopper 15
157 so as to be slidably supported. An envelope take-out plate 158 is provided so as to span between the other ends of the shafts 156 and 156. This envelope take-out plate 158 has an L-shaped configuration, and its width approximates the thickness of an envelope. A lock pawl 158a is provided on the upper part of the envelope take-out plate 158. Further, a solenoid 159 is provided on the right side of the hola 2151 in the figure, and this solenoid 159 moves the pusher 160 with the arrows a and b in the figure according to its excitation.
It moves in the same direction as up and down. A connecting lever 161 is connected to this pusher 160, and this connecting lever 16 is connected to a protrusion 155a on the lock arm 155. One end of the lock arm 155 is fitted with the lock pawl 158a, and the other end is connected via a spring 162 to a plate 163 fixed to the hole 't' 151. d The lock arm 155 has a protrusion 163 provided on the plate 163.
With a as a fulcrum, it rotates in the directions of arrows c and d in the figure as the connecting lever 161 moves. Note that after the handle 8 is pulled out, the handle 8 is returned automatically by a spring (not shown), whereas it was previously done by the customer.

Furthermore, an envelope accommodating section 164 is provided inside the envelope insertion opening 9. That is, 165 is a transport path for envelopes inserted from the envelope insertion opening 9. This conveyance path 165 is composed of a plurality of conveyance roller pairs 166, ... and upper and lower guide plates 178 and 179, and a shutter mechanism 167 and a printing section 168 are arranged in order from the envelope insertion opening 9. 916
It is facing 9. Furthermore, a thickness detector 200 is provided on the transport roller pair 166 near the envelope insertion opening 9 to detect whether or not the thickness of the envelope exceeds a specified value as the pinch roller 174 moves. In addition, 17o, 171
An envelope detector r172 is a well-known circuit consisting of a light emitting element and a light receiving element.The envelope detector 170 is for the entrance, and the card detectors 171 and 172 are for printing. The two pairs of transport rollers 166, . . . each have a driving roller 173.
and a pinch roller 174. A conveyor belt 175 is wrapped around the drive row 2173, and the pinch roller 174 is in rolling contact with the drive roller 173 via the conveyor belt 175. In addition, the drive roller 173
is driven by a pulse motor 176. The shutter mechanism 167 opens and closes the conveyance path slot 5 by protruding and retracting a shutter 177 between the envelope insertion opening 9 and the pair of conveyance rollers 166.

The printing section 168 is configured as shown in FIG. That is, an index stamping part 180 is provided in which numbers are stamped on the outer surface of the circumference. This index stamping part 180hf idle roller 181. ...It is designed to be guided by Nyo. The index stamping section 180 is configured to move vertically as the cam plate 182 rotates about the shaft 182a. A connecting lever 183 is attached to the projection 182b of this cam plate 182.
The connecting lever 183 is urged in the directions of arrows e and f in the drawing by a spring 184 connected to one end thereof, and a pusher 185 is connected to the other end thereof.

This plant gear 185 is adapted to move in the direction of arrow g+h shown in the figure by energizing a solenoid 186. When the envelope detector 171 detects the leading edge of the envelope, the pulse motor 176 is stopped and the solenoid 186 is operated to move the index stamp section 180 and stamp the stamp on the envelope, and then the pulse motor 176 is driven. When the tip of the envelope is detected by the envelope detector 172, the master smoke 176 is stopped again and the solenoid 18 is activated.
By operating 6, the index stamping section 180
The envelope is then moved and a stamp is placed on the envelope.

The storage hole P169 is for sequentially storing envelopes supplied from the transport path 165, and the guide plate 187.
Mounting table 188. A holding member 189 for storing an envelope in an upright position on this mounting table 18B. and holding member 18
9 in the directions of arrows l and j shown in the figure.

FIG. 11 shows the shutter receiving mechanism 1 of the curved shutter 15.
91. That is, said curved surface? Yatta 1
5 is in the shape of a part of a cylinder having a certain curvature, and is held by a pair of rollers 192 and 192 inside the housing 1, and is inserted into the housing 1 through the opening 5a of the vertical operation panel 5. The inside and the customer service section 3 are slidably provided.

On the other hand, a partition plate 193 provided approximately in the center of the housing 1
A DC motor (drive unit) 94 is fixed on the top.

A rubber roller 195 is fixed to the rotating shaft of this DC motor 194, and a rubber roller 195 is fixed to the comb roller 195.
6 are connected. This rubber roller 196 is a transmission member 15m provided at a part of the lower part of the curved shutter 15.
For example, it is connected to a glass plate. As a result, the curved shutter 15 moves in one direction as shown by the arrow in the figure in response to the rotation of the DC motor 194. When the curved shutter 15 covers the customer service surface 3, a detector 197 for detecting the closure of the curved shutter 15 is provided near the end of the housing 1.
A locking mechanism 198 is provided to lock the curved shutter 15, and when the curved shutter 5 is housed in the housing 1, a detector 199 for detecting opening of the curved shutter 15 is located near the end of the curved shutter 15. It is provided. The detectors 197 and 199 are configured, for example, by microswitches, and are turned on or off by the curved shutter 15.

The locking mechanism 198 locks the opening 1 of the curved shutter 15.
A fitting member 198a that fits with 5h.

The tab shown by the arrow o that moves the fitting member 198a up and down,
It is composed of a solenoid 198b that moves in the p direction. Note that the shutter receiving mechanism 191 is provided between the units or between the units and the partition plate.

FIG. 12 schematically shows the electric circuit. That is, the main control unit 201 controls the entire system, and the main memory 202 is, for example, a ROM (read-only).
It is made up of a memory (memory) and stores control programs, etc. The cylinder controller 203 outputs print data according to the English pattern stored in the memory 204, or print data according to the Japanese pattern stored in the memory 205, according to a signal from the main control unit 2θ1. 206 is print roller 2θ
7 bankbook reading and printing device 2 according to the print data from 3.
The driver 207 drives the printer in the slip issuing device 25 according to print data from the cylinder controller 203. The operation/guidance print controller 208 outputs display data according to the Japanese/mother turn of the memory 209 or the English pattern of the memo IJ 210 according to the signal from the main control unit 201, and operates the keys of the keyboard 6 according to human power. The driver 211 outputs data or audio selection signals, and drives the CRT display section 7 in response to display data or operation programs from the operation/guidance controller 20g. Speech synthesis device 2
12 outputs an audio signal corresponding to Japanese audio data or an audio signal corresponding to English audio data via an amplifier 215 in response to a control signal from the main control unit 201 or an audio selection signal from the operation/guidance controller 20B. By outputting the signal to the speaker 216, the speaker 216 generates audio guidance. speaker 21 with
Since the shutter 6 is housed within the curved shutter 15, it is protected from rain and wind and has a long service life. Driver 2 Noah is main control unit 2
The motor 183 is driven in the forward direction or the reverse direction according to the open/close signal from the current detection circuit 2.
The motor 183 is driven or stopped according to the detection signal from the motor 18. The current detection circuit 218 is for detecting the drive current of the driver 217, and is for detecting the drive current of the motor 1.
Current detection is carried out at different detection levels depending on whether the motor 83 is being driven in the forward direction, i.e., the p-direction (m) in the figure, or in the reverse direction, that is, in the n-direction (n) in the figure.

On the other hand, the main control section 201 operates the timer circuit 219 when the curved shutter 15 is closed and the foreign object detector 18 detects a foreign object, and after a predetermined period of time has elapsed, the timer circuit 219 operates.
A timeout signal supplied from the driver 217 and a closing signal for the curved shutter 15 are output to the driver 217. The main control unit 201 also performs data transmission with the central processing unit 221 via a modem 220. The central processing unit 221 is composed of a modem 22-2 for controlling data transmission, a host combination 223 for controlling processing, and a transaction information file 224 for storing transaction information.

The speech synthesis device 212 will be explained in detail using FIG. 13. That is, the selector 230 outputs the start address of the voice to be generated supplied from the main control unit 201 to the memory 231 or the memory 232 in response to a selection signal for selecting Japanese or English voices from the operation/guidance controller 20B. It is something to do.

The memory 231 stores audio parameters corresponding to various Japanese sounds, such as fundamental frequency representing vocal tract characteristics, voiced/unvoiced sound, and sound source amplitude. stores data consisting of four voice parameters corresponding to various English voices: fundamental frequency representing vocal tract characteristics, voiced/unvoiced sound, and sound source amplitude.

The outputs of the memories 231 and 232 are supplied to a decoding circuit 234 via an interface circuit 233. This decoding circuit 234 converts the supplied audio parameters into serial data using a decoding table corresponding to each parameter. The output of the decoding circuit 234 is output to an interpolation circuit 235. This interpolation circuit 235 uses a predetermined number of bits in order to change each audio parameter smoothly without extreme changes when the audio parameters are updated periodically and move from one update period (one frame) to the next. Approximate linear interpolation is performed on all audio parameters at arbitrary points within one frame. The sound source information output from the interpolation circuit 235 is supplied to a sound source circuit 236. This sound source circuit 236 outputs a periodic impulse signal (white noise signal) as a sound source signal in accordance with the supplied sound source information. The output of the sound source circuit 236 is supplied to a digital filter circuit 237, which is connected to the interpolation circuit 2.
The audio signal is synthesized by adding the correlation removed in the analysis process according to the filter coefficients from 35 to 35. For example, a
This is a well-known device consisting of a subtracter and a delay circuit. Each bit output of the digital filter circuit 237 is supplied to a digital-to-analog converter (D/A converter) 238. The signal/synthesized audio signal converted by the D/A converter 238 is amplified by the a 77° 215 and supplied to the speaker 216, where the corresponding audio is generated.

FIG. 14 shows an electric circuit of the shutter receiving mechanism 191. That is, both ends of the AC power supply 240 are connected to the DC input terminal of the rectifier circuit 241. This rectifier circuit 2
The positive side DC output terminal P of No. 4 is NPN via the resistor 242.
It is connected to the collector of a type transistor 243. A constant voltage circuit 244 is connected between the base of this transistor 243 and the negative side DC output terminal N of the rectifier circuit 24. The emitter of the transistor 243 and the output terminal N
A series circuit consisting of resistors 245 and 246, the dry nozzle 217, and resistors 247, 248, and 249 are connected between
A series circuit consisting of is connected. The above constant voltage circuit 2
The output terminal of 44 is connected to the connection point of the resistors 245 and 246. The driver 217 drives the motor 183 in the forward or reverse direction in response to an opening/closing drive signal from the main control section 20, and stops the motor 18& in response to an output signal from a differential amplifier 254, which will be described later. be. A changeover contact 2501 of a changeover switch 250 is connected to the connection point of the resistors 247 and 248, and a changeover contact 2502 of the changeover switch 250 is connected to the connection point of the resistances 248 and 248.
Connected to 9 connection points. The changeover switch 250 is switched by an opening/closing drive signal from the main control section 20. On the other hand, a resistor 251 is connected between output terminals P and N.
is connected to the collector of the transistor 243 and the output terminal N
A resistor 252 is connected between them. A non-inverting input terminal of a differential amplifier 253 is connected to the connection point between the output terminal P and the resistor 25, and a connection between the collector of the transistor 243 and the resistor 252 is connected to the inverting input terminal of the differential amplifier 253. The dots are connected. The differential amplifier 253 has a resistor 24
The current value obtained by subtracting a predetermined current value from the current value in 2 is output. The output terminal of the differential amplifier 253 is connected to the inverting input terminal of the differential amplifier 2540, and the non-inverting input terminal of the differential amplifier 254 is connected to the changeover switch 25.
0 movable contact 2503 is connected. Differential amplifier 2 above
The output terminal of 54 is connected to the input terminal of the driver 217. Note that the output of the differential amplifier 254 is supplied to the main control section 201 as a stop signal.

Next, in such a configuration, FIGS.
The operation will be explained with reference to the flowchart shown in ).

For example, first of all, the customer (customer) should first see the message ``Please insert your card or bankbook'' displayed on the CRT display section 7.
Referring to the operation guide (STz), the user inserts the card into the card insertion slot 3 (ST2). Then, the data on the magnetic stripe of the card is read by the magnetic head 34 and supplied to the main control section 201. Thereby, the main control unit 201 checks the validity of the card (STJ).

At this time, when the main control unit 201 determines the validity of the card, it outputs an issue signal to the print controller 203. Then, the print controller 203 reads out characters and characters corresponding to the account number, bank code, and branch code read by the card reader 2 from the memory 204, and outputs the display pattern to the driver 206. Accordingly, the driver 206 causes the printer 135 in the bankbook reading/printing device 23 to print the above data on the journal paper 139 (STM).

When the main control unit 201 determines the validity of the card (ST5), it excites the solenoid 98b and moves the fitting member 198a upward, thereby causing the fitting member 198a to close to the curved shutter 15. It will not fit into the opening 15b.

As a result, the curved shutter 150 is unlocked. Thereafter, the main control unit 201 outputs a drive signal to the driver 217 to rotate the motor 194 in the direction of arrow m in the figure. Then, the rubber rollers 195 and 196 rotate due to the rotation of the motor 194, and the curved shutter 15 moves in the direction of the arrow (8'L''Zs).The main control unit 201 also determines that the card is invalid. Time (S
T5), the CRT display section 7 displays the message "Card will be held" (5T6), and either the card is taken into the aircraft or the card is returned to the passenger (ST7).

By the way, the customer is not able to see the message displayed on the CRT display section 7
Insert your passbook into the passbook insertion slot 12 while following the operation guide (STM) "Please insert your card or passbook" (STM).
TM). Then, the data on the magnetic stripe of the passbook is read by the magnetic head 147 and supplied to the main control section 201. At this time, the page mark indicating the negative number of the page inserted by the customer and the last printed line are read by the reading section 148 and supplied to the main control section 201. Accordingly, the main control unit 20 checks the last printed line,
The passbook check is performed depending on whether the page has all lines printed at the end, all lines have been printed, or all lines are printed (ST9). That is, the 15th
As shown in Figure (r), it is determined whether or not the last printed line read by the reading unit 148 is a usable page (ST271).
). If the page is unusable, regardless of the negative number of the magnetic stripe, it is determined whether the page printed up to the middle line is a new page (ST27.?). At this time, if the last printed line is the last line, the main control section 201 displays the operation guide "Please insert the passbook on the next page" on the CRT display section 7 (ST276). Also, at this time, the main control unit 201
5T277) When the negative number on the page mark is larger than the page on the magnetic stripe, the magnetic head 147 updates the negative number on the magnetic stripe by one page.ST 27
B) Eject the passbook from the passbook insertion slot 12 (
ST279).

On the other hand, in determining whether or not the above page is suitable (ST272)
When it is determined that no printing has been performed and the page is a new page, the main control unit 201 determines whether the negative number on the magnetic stripe matches the negative number on the page mark (ST, ?7J).

If they do not match, the main control unit 201 displays “
The operation guide "Please insert the passbook on the previous page" is displayed (ST, ?74), and the passbook is ejected from the passbook insertion slot 12 (ST275).

As mentioned above, if a page with all rows blank is inserted and the negative numbers on the magnetic stripe and the negative numbers on the Sada mark do not match, the passbook is returned to the customer, the customer is asked to open the previous page, and reinsert it. If the previous page has all lines printed, the negative number on the magnetic stripe is rewritten to the next page and the passbook is returned to the customer again. When the customer then opens and inserts the next page, the negative number on the magnetic stripe matches the page number on the page mark, and the page is judged to be legitimate, allowing the transaction to be made. As a result, at financial institutions where automatic transaction devices with magnetic stripe writing functions and automatic transaction devices without such functions are used together, customers may accidentally open the wrong page. It is possible to avoid the loss of continuity in passbook printing that occurs when inserting the passbook.

Also, if the main control unit 201 determines that the page is usable (ST
27)), or if it is determined that the negative number on the magnetic stripe and the negative number on the page mark match (ST273), the process proceeds to the next step, check format (ST1).

By the way, when the main control unit 201 checks the bankbook, it outputs an issue signal to the glint controller 203. Then, the glint controller 203
The character pattern corresponding to the account number, bank code, and branch code read in step 47 is read from memory 204, and the display pattern is output to driver 206. Accordingly, the driver 206 is connected to the printer 13 in the passbook reading/printing device 23.
In step 5, the above data is printed on the digital and primary paper 139 (ST10).

When the main control unit 201 determines the format of the passbook and the validity of the passbook (ST1), 12), the main control unit 201 operates in the same manner as in the case of the card described above to open the curved shutter 15 ((ST
M, 5). In addition, if the format of the passbook is incorrect, there may be an error in the insertion direction of the passbook, an illegal homepage, no page marks, etc.
If a page error occurs, the main control unit 201 determines that the passbook is fully usable (ST, 97), and displays the CRT display unit 7.
to display the message ``Your passbook is fully usable'' (S
T32), the passbook is ejected from the passbook insertion slot 12. Further, when the main control unit 201 determines that the passbook cannot be used and the page is not new (ST31.34), the CRT display unit 7
The operation guide "Please reinsert the passbook" is displayed (ST35), and the passbook is ejected from the passbook insertion slot 12. Furthermore, when the main control unit 201 determines that the passbook cannot be used and the page is new (ST3), 34), the CRT
The display section 7 displays the operation guide "Please reinsert on the previous page" (ST36), and the passbook is ejected from the passbook insertion slot 12. Then, when the customer takes out his bankbook in response to the above-mentioned operational guidance (ST33), the process returns to waiting for the customer (STM). However, when the passbook is not removed by the customer even after a predetermined period of time has elapsed since the passbook was ejected, that is, when the passbook is ejected, the main control unit 201 activates the timer circuit 219 and the passbook reading/writing device 2
When the extraction signal is not supplied from the light receiving element 123 in 3, the passbook collection operation described later is performed. In addition, when the main control unit 20 determines that the passbook is invalid (STM
,? ), the CRT display section 7 displays the message "Passbook will be held" (5T13), and either the passbook is taken into the aircraft or the passbook is returned to the passenger (ST14).

Next, the main control section 201 causes the CRT display section 7 to display an operation guide saying "Please enter your password" (ST16). When the customer inputs his/her personal identification number into the keyboard 6 (SrI2), the signal is output from the operation/guidance controller 208 to the main control section 20. As a result, the main control unit 201 checks whether the password read by the card reading device 2 or the password read by the bankbook reading/printing device 23 matches or is related to the password input repeatedly on the keyboard 6 ( ST78). If they match, and the relationship still satisfies predefined rules, the main control unit 201 determines that the customer is the legal holder of the card or passbook, and checks whether the retry counter is "3". 5T19), if it is not ``3'', reset the try counter to ``13'' 5T2o)
, when it is "3", proceed to the next step. In addition, when there is no match or there is no relationship, the main control unit 2
0 counts down the retry counter 5T2J
), check whether the retry counter is "0" or not (S
T22). At the time of rOJ, the main control unit 201 rewrites the retry counter to "o" ST, 7.9), displays the guidance "Card or bankbook will be put on hold" on the CRT display unit 7 (ST24), The card or passbook is collected (ST25-27). The retry counter is
If the value is other than 0, the main control unit 201 causes the CRT display unit 7 to display an operation guide stating that the password has been entered incorrectly. Please enter the password again or press the cancel button." (ST28) .

When the cancel button is pressed, the main control unit 201 rewrites the retry counter ST, 90). Next, a card or passbook removal operation, which will be described later, is performed. When the password is input again, Stellar f17 will operate again.

Then, after rewriting the retry counter to 13'' (
ST2o), the main control unit 201 checks whether it is a card or not ST94), in the case of a transaction using a card, the account number on the magnetic stripe of the card and the representative account of multiple loci are sent to the host computer 223 (ST35)
.

Then, the host computer 223 transmits a plurality of account numbers corresponding to the representative number stored in the transaction information file 224, the account type for each account number, and an account status signal to the main control unit 201. As a result, the main control unit 201 receives those messages (5T36),
Determine the status of the account (ST, 97). When the main control unit 201 determines that the transaction is completed until the final message ('40'''), the main control unit 201 checks whether the account number is 1 (S
T38). In the case of a plurality of
As shown in FIG. 6, the CRT display section 7 displays the operation guide ``Please select a transaction account from the accounts below'' and instructions for the transaction account selection key (ST, 941J). This type of display is defined as a multi-account system.

This multi-account system eliminates the need for customers to carry multiple cards and allows them to easily select their desired account. At this time, if an account is not selected for a predetermined period of time or more, a card collection operation, which will be described later, is performed. In addition, the main control unit 201 determines that the account status in the message is transaction failed (
"42#), the CRT display unit 7 displays one of the following: The reason for the failure is that the card cannot be found, the card has been stolen, or the request cannot be approved (ST4)). The main control unit 201 checks whether the card collection flag in the message is “1# or '0#.
T4. ? ), “When it is 1#, collect the card 5T43)
, 0#, the card is ejected from the card insertion slot 13. During this ejection, the customer must take out the card.87M
When step 4) is performed, the card collection operation described later is performed when the card is not taken out for the required time while waiting for the next customer.

Then, the customer selects a trading account displayed on the fi CRT display section 7 (ST40), and if there is only one trading account,
Alternatively, if a passbook is inserted, the main control unit 201
The RT display section 7 displays the guidance "Please select a transaction type" and also displays the selection key for the transaction type corresponding to the transaction account (ST45, 46).
) For example, if the transaction account is a savings account, as shown in Figure 17, "Payment, Deposit, Transfer, Balance Inquiry, Request for Statement, Request for Checkbook", and if the transaction account is for all current accounts, "Payment, Deposit, For credit accounts, use the selection keys for ``transfer transfer, balance inquiry, passbook request,'' for credit accounts, ``borrow, return cash, return transfer, request statement,'' for passbooks, for ``payment, deposit, transfer transfer, passbook entry, passbook request.'' Instructions will be displayed for each.

By allowing only possible transaction types to be selected depending on the account type associated with the account number or whether or not a passbook is used, it is possible to avoid the user from selecting the wrong transaction type as much as possible. When this selection is displayed, if the customer does not select a transaction account even after a predetermined period of time has elapsed, a card or passbook collection operation, which will be described later, is performed.

Then, the customer selects the transaction item displayed on the i9 CRT display section 7 by inputting the keyboard 6 (Si47). At this time, the main control unit 201 checks the selection (Si48) and also checks whether the selection is valid (ST49).

If the selection is not valid, that is, if a hardware abnormality, end of banknote/envelope, or fullness is detected, the main control unit 20
Is the information displayed on the CRT display section 7 saying "Cash will be released, please press the cancel button" (Si50)?
Displays the message [Unable to proceed with the request, please press the cancel button] (5Tts1)
).

When the customer inserts the cancel button according to this guidance (Si20), the user then performs an operation to remove the card or passbook, and if the cancel button is not inserted after a predetermined period of time, the card or passbook is collected. be exposed. Note that the above-mentioned take-out operation is as shown in FIG. 15 (6n).

That is, the main control unit 201 displays the operation guide "Please remove the bankbook or card" on the CRT display unit 7 (STM83), and ejects the card from the card insertion slot 13 or the bankbook insertion slot J2. . The customer takes out his or her card or passbook in accordance with the operating instructions (STlsg, 186).

As mentioned above, if the transaction becomes impossible to continue during the transaction, the customer must press the cancel button and return the passbook or card.
The customer cannot be confused without reading the contents of the display section 7, and the cause of the transaction interruption can be reliably informed to the customer.

When the key 6 corresponding to payment is inserted when selecting a transaction item, the main control unit 201 checks whether a card is inserted (ST5.9), and if it is a card, the status of the account number is displayed in the message. Check by status signal (Si
51). If the status signal is an account for which payment is not allowed (IX
”), the main control unit 20 displays on the CRT display unit 7 the guidance that “account is not recognized” (5T65), and in the case of 2X#, displays the guidance that “it is not recognized as a regular deposit” (ST641J). . After these instructions, if no operation is performed for a predetermined period of time or more, a card return operation is performed. However, if you press the cancel button after the above guidance (Si6
6) The main control unit 20 displays the message "Return the card" on the CRT display unit 7 (5T67), and causes the card to be ejected into the card insertion slot 13. At the time of ejection, if the card is removed by the customer (5T68), the card must be waited for by the next customer, and if the card is not removed for a predetermined period of time, the card collection operation described later is performed. If the account is still available for payment, but is not a credit account, or if a passbook is inserted, the main control unit 201 causes the CRT display unit 7 to display the operation guide “Please insert the amount” ( Si55).

Thereafter, when no operation is performed for a predetermined period of time or more, a card or passbook collection operation is performed.

Then, when the customer inputs the payment amount into the keyboard 6 (S'156), the main control section 20 checks whether the payment amount exceeds the limit (5T57), and if it does, the CRT display section 7 displays [[] The operation guide ``The amount limit has been exceeded, please input the amount again'' is displayed (Si58). If the amount does not exceed the limit, the main control unit 201 checks whether there is a 1,000 yen bill in the deposit box (ST 63), and if not, checks whether it is in units of 10,000 yen = ST 60. If there is, please check whether the amount cannot be paid in units of 1,000 yen, such as 15,200 yen (5T6J), and if the amount is incorrect, C.
The RT display section 7 should display the operation guide "Please input in units of 1,000 yen" (5T64), and if it is not in units of 10,000 yen, C
The RT display section 7 displays an operation guide saying "Please select in units of 10,000 yen" (ST61). When the main control unit 201 determines that the customer has pressed the cancel button in accordance with the above-mentioned instructions (ST6.?), the main control unit 201 performs an operation to remove the card or passbook, and inserts the amount using the keyboard 6 (ST6.?).
56), the above operation is performed again.

On the other hand, if the total amount is correct or is in units of 10,000 yen, the main control unit 201 causes the CRT display unit 7 to display an operation guide saying "Please check the payment amount" (ST7 (7). After this, When the next operation is not performed on the predetermined time line, a collection operation to be described later is performed, and when a cancel button is pressed (ST7)), a retrieval operation is performed.

12. When the confirmation button is pressed by the customer,
Or when borrowing from a credit account, the main control unit 2
01 communicates with the host computer 223 (ST7
2).

In this way, in the case of a card for a credit account, the amount of one payment is determined in advance by the transaction 11 in the central processing unit 221.
Since the fixed amount registered in the Kamehi file 224 is, for example, 50,000 yen, the step of inputting and confirming the amount is skipped, thereby simplifying operations for the customer.

That is, in the above communication, as shown in FIG. 15(p), the main control unit 201 first displays the message "Currently communicating with the computer" on the CRT display unit 7 (ST2).
30) Transmit the transaction data to the host computer 223 (ST231).

Also, at this time, the main control unit 201 outputs a signal to the cylinder controller 203 to print pre-print information of the transaction, that is, the contents of the magnetic stripe, the amount, and the details of the transaction, on the journal and the slip.

Then, the print controller 203rd reads a character pattern corresponding to the signal from the memory 204 and outputs the display pattern to the drivers 206 and 207. Thereby, the driver 206 causes the printer 135 in the bankbook reading/printing device 23 to print the above data on the journal paper 139, and the driver 207 causes the slip issuing device 25 to print the above data on the slip. (S T X 32). Thereafter, transaction information and a message are transmitted from the host computer 223, which are received by the main control unit 201 (S
T233). Then, the main control unit 201 decodes the message and concludes the transaction until the final message ("4 o").
The transaction was completed up to the intermediate message (1'4"), the transaction was not completed (
42”) is decoded (S T 2.94). Also,
The main control unit 201 determines whether the message includes print information for the slip (5T235)S. If the print information is included, the main control unit 201 outputs the print information to the print controller 203. Thereby, the print controller 203 causes the print information to be printed on the slip using the driver 207 (ST236). Next, the main control unit 201 determines whether the message includes print information for the bankbook (5T239), and if the print information is included, outputs the print information to the print controller 203. As a result, the print controller 203 uses the driver 206 to print the print information on the passbook (ST, ?4(7)).Then, the main control unit 201 determines whether the inserted page of the passbook is usable enough. 5T241), and if it can be used sufficiently, the magnetic stripe data is updated (ST242).

Furthermore, the main control unit 2θ1 determines whether a turn page is necessary by knowing whether or not the page has been printed up to the last print line (5T243), and if a turn page is necessary, it determines whether the passbook is sufficiently usable (5T244), and is sufficient. Only when it cannot be used, the turn page operation described later is performed (ST245
).

In other words, when printing up to the last line of a page while printing a passbook and there is still print data left, the main control unit 201 drives the magnetic head 147 to rewrite the page number of the magnetic stripe to the next page, and then The display section 7 displays the operation guide ``Please insert the next page of the passbook'' (5T2so), and the passbook is ejected through the passbook insertion slot 1. Thereafter, when no operation is performed for a predetermined period of time or more, a passbook collection operation is performed.

When the customer reinserts the passbook on the next page according to the above guidance (ST252, 253), the main control unit 201 checks whether it is the same passbook (5T253), and if it determines that it is not the same passbook (ST254), the deposit At the time of transaction (ST2
66), envelope collection (ST267) and slip release (ST26)
8) and release slips (ST268) for transactions other than deposit transactions.
) is performed. When this slip is released, if the slip has already been printed, "6 Cancellation" is printed on the next line.This makes it clear to customers and staff that the slip is invalid, and it is useless. The purpose is to avoid such troubles.

Then, the main control unit 201 determines that they are the same passbook.
T,? , 54), when it is determined that a bankbook with a page mark having the same number of pages as the number of pages on the magnetic stripe is inserted (ST255), the turn page ends. However, the main control unit 201 determines that the set page has not been inserted, displays "re-insert passbook" on the CRT display unit 7 until the determination is made three times in a row, and then proceeds from step f25. There is. However, when the correct page was not inserted three times in a row, the main control unit 20
1 is to check whether it is a deposit or not (5T25B), and if it is a deposit, the message ``Envelope will be ejected'' is displayed. Based on this operational guidance, if the customer takes out the envelope (ST260) or if it is determined that the transaction is other than a deposit, the main control unit 201
The Vi slip is ejected from the slip outlet 10. As a result, when the customer takes out the slip (ST261), the main control section 201 causes the CRT display section 7 to display an operation guide saying "passbook cannot be accepted and will be ejected" (ST262). If no operation is performed after a predetermined period of time when the envelope ejection or passbook ejection is displayed, a passbook collection operation is performed. When the customer takes out the passbook according to the above operation guidance (ST263), the main control unit 20 determines that the turn page has not been completed (ST264).

When the main control unit 20 determines that the above-mentioned turn page has been completed (ST246), when it determines that a turn page is not necessary (S'1243), or when a bankbook request, checkbook request, or statement request is made, When determining the request (ST238), the main control unit 20 assumes that the transmission and reception have been completed normally.As a result, the main control unit 201 determines that the transaction has been accepted (ST73), and sends a withdrawal to the dispensing machine s22. Outputs gold signal. Then, the withdrawal mechanism 22
゜The banknotes P taken out from the second cash withdrawal box 53, 54 are accumulated in the poetry collection type section 91.

That is, the banknotes P taken out from the first and second cash withdrawal boxes 53.54 via the takeout mechanism 55.55 are detected by the banknote detectors 58.59 disposed on the respective dedicated conveyance paths 57a and 57b. Detected. This detection signal causes a counter (not shown) in the P main control unit 201 to count up, and then the banknote is discriminated by the banknote detector 60 disposed on the common conveyance path 57c, and further conveyed to the second banknote discharging section. 70 and is carried out to the second unit device 52 side.

Banknotes P sequentially carried out to the second unit device 52 side
... is taken from the bill receiving section 75 into the take-in conveyance path 77 and conveyed, and when the tip of the bill P is detected by the bill detector 79, if it is a genuine bill P with no overlap υ, it is the first bill P. The sorting gate 78 falls to the left and is fed into the genuine banknote transport path 80. Next, the poem is conveyed through the impeller 90.90 onto the poetry collection section 91, and when it comes into contact with the end faces of the separation stoppers 92, 92, it is separated from the impeller 90.90, falls downward, and travels in the opposite direction. Since the banknotes P are nested with the conveyor belts 93 and 93 which are used for both dispensing and collection, the banknotes P are stacked in an orderly manner with their edges aligned.

In this way, all of the banknotes P for which the designated amount has been taken out from the withdrawal boxes 43, 44 and accumulated in the one-poem collection section 91 are genuine banknotes with no stacking, and furthermore, the main control unit 201 is configured to check the counter's count. If the result matches the set amount, the conveyance of the conveyor belt of the dispensing conveyance system is temporarily stopped. At this time, the rotation of the impellers 90 and 90 is also stopped due to the stoppage of the conveyor belt of the dispensing conveyance path system.

At the same time that all the banknotes to be paid are accumulated in the temporary accumulation section 91, the main control section 201 causes the CRT display section 7 to display an operation guide saying "Payment is possible, please take the slip" (Si76).

Next, the customer takes out the slip according to the instructions (Si
76). In response to this removal, the main control unit 201 determines whether the transaction is a card transaction (5T77), and if the transaction is a card transaction, the CRT display unit 7 displays an operation guide saying "Please remove the card"(ST77'). Then,
The customer takes out the card according to the instructions (Si78)
. At this time, if the card is not removed for a predetermined period of time or more, a collection operation to be described later is performed. In addition, in the case of a transaction using a passbook, the main control unit 201 determines whether the passbook can be used sufficiently, and if the passbook cannot be used sufficiently, displays an operation guide "Please take the passbook" on the CR7 display unit 7 (Si20), If the passbook is fully usable, display the operation guide on the CR7 display 7 that says ``The passbook is fully usable. Please take the passbook.'' (8T8
2). Next, the customer takes out his passbook according to the instructions (Si83). At this time, if the passbook is not taken out for a predetermined period of time or more, a collection operation to be described later is performed.

Then, in response to the withdrawal of the card or passbook, the main control unit 201 causes the CRT display unit 7 to display the operation guide “Please take cash” (Si79), and outputs a cash discharge signal to the dispensing mechanism 22. do. Then, in the dispensing mechanism 22, the separation stoppers 92.92 rotate to press the banknotes P... accumulated in the poetry collection section 91 onto the conveyor belt 93.93 which also serves as payout and collection. 93 runs in the payout direction, and the banknotes P... temporarily accumulated in the stacking section 91 are taken out all at once and conveyed to the banknote outlet 11 side.

Next, when the leading edge of this banknote P... is detected by the banknote detector 105, the shutter 104 is opened by the solenoid 103, and when the rear end is detected by the banknote detector 102, the conveying operation is stopped, and the banknote P is detected by the banknote detector 102. The tip of ... is bill ejection port 1
1, and the rear end side is held between the conveyor belt 93, 93 and the pinch roller 1oo, and is dispensed to the customer (Si84). Thereafter, the main control unit 201 performs cumulative transaction data processing (Si85).

Then, when the customer takes out cash (S T s
6) The main control unit 201 completes the transaction and waits for the next customer. At this time, if the cash is not taken out even after a predetermined period of time has elapsed, the main control unit 201 collects the cash (
Si87).

As mentioned above, if the card or passbook is not removed even after a predetermined period of time has elapsed after the card or passbook has been ejected, in other words, if the customer forgets to take out the card or passbook and goes home, the main control The unit 201 includes a card reading device 21 or a passbook reading/printing device 23, a print roller 203,
A collection signal is output to the dispensing mechanism 22. As a result, the card reading device 21 or passbook reading/printing device 23 takes the card or passbook into the machine and collects it in the collection warehouse, and the print controller 203 uses the drivers 206 and 207 to write the "cancellation" on the passbook, slip, and journal, respectively. ” is printed, and the dispensing mechanism 22 stores the banknotes P . In this way, all of the various media are collected or released and the next transaction is ready. However, transactions for this customer have already been processed by the central processing unit 2.
Even though the transaction information in the transaction information file 224 of No. 21 has been updated, cash has not actually been delivered to the customer. Therefore, the main control unit 201 transmits a message canceling the previous transaction to the host computer 223. As a result, the host computer 223 returns the transaction information in the transaction information file 224 for the customer to the state before the transaction.

Further, if the customer does not withdraw the cash even after a predetermined period of time has elapsed since the cash was discharged to the bill withdrawal port 11, the main control section 20 outputs a collection signal to the dispensing mechanism 22. Then, the dispensing mechanism 22 collects the banknotes P in the banknote outlet 11 into the banknote collection warehouse 101. In this case, banknote P...
Since these can be extracted and collected by customers, there is no guarantee that the entire amount released will be recovered even if they are collected. Therefore, the main controller 2
01 does not send the cancellation message to the host computer 223 and waits for the next customer. The above-mentioned bankbook, card, and cash collection operations are performed through steps 187 to 203 shown in the flowchart of FIG. 15(n).

When checking the transaction status in the message obtained by the above transmission/reception (ST7.9), if the transaction is unsuccessful, the main control unit 201 displays a message indicating the reason for the failure on the CRT display unit 7, for example, the account is not found. , the card is stolen and the request cannot be approved, and a display indicating that a cancellation button is to be inserted is displayed (ST204). Thereafter, if the cancellation button is not inserted even after a predetermined period of time has elapsed, the card or passbook is collected. Then, when the customer inserts the cancellation button according to the operating instructions (ST2
05), the main control unit 201 causes the CRT display unit 7 to display an operation guide such as ``1 message is canceled, please take out the slip'' (ST206), and causes the slip to be ejected from the slip outlet 10. The above operation guidance is unconditionally displayed for a certain period of time. This means that the customer can
This is so that even if the slip is removed without reading the display, it can be read within a predetermined time. It also allows you to proceed to the next step even if you forget to take out the slip. After performing the above operation guidance for a certain period of time, the main control unit 20
1 checks the passbook collection flag and card collection flag in the message, and collects or returns the card or passbook according to the instructions of the flags. The above operation is as shown in steps 213 to 222 shown in FIG. 15(0).

By the way, when the key for deposits, ie, envelopes, etc. is inserted when selecting the item, the main control unit 201 checks whether the card is inserted (5T18), and if the card is inserted, the status of the account number is sent as a status signal in the message. Check by (STl?9). Status signal is watercress)
If the account does not allow deposits (X1″), main control unit 2
01 displays an operation guide on the CRT display 7 that says ``Credit card account cannot be approved, please insert a cancellation button'' (5T91), and if the bank is not introduced, then ``Bank is not accepted, cancellation button'' is displayed. "Please add butane" is displayed (STgJ). After these instructions, if the car is not operated for a predetermined period of time or more, a car return operation is performed. However, when the customer inserts blown butane according to the above-mentioned guidance (ST92), the main control unit 201 performs a card ejection operation. In addition, if the account allows deposits (XO") or if a passbook is inserted, the main control unit 201 causes the CRT display unit 201 to display the operation guide ``Insert the amount.'' (STg
J).

Thereafter, when no operation is performed for a predetermined period of time or more, a card or passbook collection operation is performed.

Then, when the customer inputs the deposit amount using the key yt"-DOL in accordance with the operation guidance (ST95), the main control unit 2
01, please confirm the old money amount.'' is displayed on the CRT display section 7. Thereafter, when no operation is performed after a predetermined period of time has elapsed, the card or passbook is returned. However, if the customer presses the cancel button according to the above guidance, the main control unit 2θ1 will eject the card or passbook, and if the customer presses the confirmation button, the main control unit 20'l will input the account number and aircraft number. The amount data obtained is outputted to the print controller 203 to be printed on the slip (ST9B), and the slip is ejected from the slip issuing port 10 (ST99). When this slip is released, the main control unit 201 displays the operation guide ``Remove the envelope, put the slip and cash (checks, bills) in the envelope, seal it, and then insert the envelope - 1'' on the CRT display section 7. At the same time, a lock release signal is output to the envelope processing device 24. Then, the envelope processing device 24 energizes the solenoid 159, thereby moving the connecting lever 161 downward and causing the lock arm 155 to rotate in the direction of arrow d using the protrusion 163a as a fulcrum. As a result, the lock arm 155 no longer engages with the lock pawl 158a, and the envelope removal lock is released. If no operation is performed after a predetermined period of time has elapsed after the above-mentioned display guidance, the operation of returning the cart or passbook is performed.However, the customer pulls the handle 8 according to the guidance.

Then, one envelope is ejected from the opening 154 by the envelope ejecting plate 158. Next, the customer sends the slip to the envelope and the detection signal causes the main control unit 201 to activate the solenoid 159.
By deenergizing the connecting lever 161, the connecting lever 161 moves upward and returns to its original position. As the lock arm 155 rotates in the direction of arrow C with the movement of the connecting lever 16, the loaf arm 155 and the lock pawl 158g
is engaged. As a result, the handle 8 is prohibited from taking out the envelope. When the envelope is detected by the envelope detector 171, the motor 176 is stopped. By the way, when the envelope is inserted, when a detection signal is output from the thickness detector 200, the main control section 201 determines that the envelope has a specified thickness or more (5T101'), and the CRT display section 7 displays "Envelope The process is too thick and cannot be processed. Please press Cancel and start from the beginning.'' (ST10)
2).

Thereafter, if the cancel button is not pressed even after a predetermined period of time has elapsed, the card or passbook is collected, and if the vomiting device is inserted within the predetermined period of time, the card or passbook is returned.

Then, when the envelope is normally taken into the envelope processing device 24 (ST101/), the main control section 20 communicates with the host computer 223 (ST104).

This communication operation is almost the same as that for the payment transaction described above, and includes envelope ejection processing (ST268 to ST, T60).
) and envelope collection processing (s T ze e e ).

267). Therefore, the main control unit 201 causes the journal, slip, and passbook to be printed in accordance with the message received from the host computer 223. In this case, unlike the above-described payment transaction, the transaction data is not stamped on the passbook, but only the unrecorded data is printed. Since this is a deposit in an envelope, it is not possible to check whether the contents of the envelope match the amount deposited by the customer. Therefore, the host computer 223 cannot update the transaction information in the transaction information file 224. The transaction is not printed on the bankbook.

When the communication is completed, the main control unit 201 checks the transaction status signal in the message to see if the transaction has been accepted (5T105).If not, the transaction is processed in the same way as a payment transaction. , Follow the instructions whether the envelope collection flag in the message is 1" or +1031 to determine whether to return or collect the envelope (sT2o9~5T
212).

Further, when the transaction is accepted, the main control unit 201 outputs a print and storage signal to the envelope processing device 24. As a result, the envelope processing device 24 prints the stamp in the printing section 168 and then stores the envelope in the envelope storage hopper 169.

Next, the main control unit 201 causes the CRT display unit 7 to display an operation guide that reads, ``Deposit has been accepted. Please take the slip.'' (ST14J).

Following this guide, the customer should take out the slip 5T14
2) In response to this withdrawal, the main control unit 201 determines whether the transaction is by card (ST143).

In the case of a transaction using a card, the CRT display section 7 displays an operation guide saying ``Please remove the card'' (ST1
44). The customer takes out the card according to the instructions (S
T14.5). At this time, if the card is not removed for a predetermined period of time or more, a collection operation is performed. In addition, in the case of a transaction using a passbook, the main control unit 201 determines whether the passbook can be used sufficiently or not, and if the passbook cannot be used sufficiently, displays an operation guide saying "please collect the passbook" on the CRT display unit 7 (ST147);
If the passbook is fully usable, the CRT display section 7 displays an operation guide that says, "The passbook is fully usable. Please take the passbook." (ST148).

The customer then takes out their passbook according to the instructions (S
T149). At this time, if the passbook is not taken out even after a predetermined period of time has elapsed, a collection operation is performed. During the above-mentioned slip retrieval guidance, the main control section 20j does not perform a sampling check of the slip, but after waiting for a predetermined time, displays a message indicating that the card or passbook should be removed, and then ejects the card or passbook. Furthermore, when collecting the above-mentioned card or passbook, unlike the payment transaction, a cancellation message will not be sent to Host Combi 4-Y223; in other words, the deposit transaction has already been completed and the deposited money is being held. This is because the host computer 223 and the automatic transaction device are compatible.

Next, when selecting the item, select the key 6 for the transfer transaction.
When the card is inserted, the main control unit 201 asks whether the card is inserted or not.
If it is a card, it is checked whether it is a credit account (ST11B). Furthermore, the main control unit 2
If 01 is not a credit account, it is used as the first account number, that is, the transfer destination account, and the account status is checked for non-payment etc. using the status signal in the message (ST1
19). If the main control unit 201 determines based on the status signal that transfer funds from that account are not permitted (ST12
o) Display on the CRT display section 7 an operation guide that reads 1, "I do not approve the account, please press the cancel button" (ST12)). After these instructions, if the cancel button is not pressed even after a predetermined period of time has elapsed, a card collection operation is performed, and if the cancel button is pressed within the time (ST
122), performs a take-out operation. Also, if the main control unit 201 determines that the account is permitted for transfer transfer (S
T120), the main control unit 201 uses the CRT display unit 7 to read the operation guidance "Please select the account to transfer from the accounts below" and the 10th account number and A transfer destination account selection key instruction for accounts other than credit accounts and an item "Others" are displayed (ST124). Thereafter, when no operation is performed for a predetermined period of time or more, a card collection operation is performed. Then, when the customer follows the instructions and selects the second account number, that is, the transfer destination account (ST125), the main control unit 201 checks the account status (5T128) and interrupts the transaction if an account for which deposits are prohibited is selected. (ST129゜5T
130).

Further, if the main control unit 201 determines that the transaction is a passbook transaction (ST117), if only one account number is obtained from the account inquiry (ST123), or if the second
When the customer selects ``1Other'' in the account number selection (ST1.T7), the main control unit 201 displays an operation guide on the CRT display unit 7 that reads ``Please enter the transfer destination account manually'' ( ST131). In response to this guidance, the customer enters the account number using the keyboard 6 (ST13
2) The account number becomes the transfer destination, that is, the 20th bank account number. After this, or if the selected account is normal, the main control section 201 causes the CRT display section 7 to display an operation guide saying "Please insert the amount" (ST134). When the customer inserts the amount according to this guidance (STI 35), the main control unit 20 causes the CRT display unit 7 to display the guidance "Please check" (C3T 137). However, if the customer presses the cancel button according to the above guidance, the main control unit 20 will eject the card or passbook, and if the customer presses the confirmation button, the main control unit 201 will communicate with the host computer 223 (ST13B). .

In addition, during the above operation guidance (ST131, 134°1s6)
When no operation is performed after a predetermined period of time, a card or passbook collection operation is performed. After the communication operation described above, the operation is the same as in the case of the payment transaction described above except for the dispensing of banknotes.

Further, if the main control unit 201 determines that the first selected account number is a credit account (ST11B), the main control unit 201 selects it as the first
is the account number, that is, the transfer destination account, and checks whether there are many other accounts (ST150). As a result of this check, if the request does not exist, the main control section 201 displays an operation guide saying "Request cannot proceed" on the CRT display section 7 (ST154), and when the cancel button is pressed, the withdrawal operation is performed. In addition, if there are many accounts, the main control unit 201 causes the CRT display unit 7 to display the operation guide ``Please select the transfer destination account from the accounts below'' and instructions for the transfer destination account selection key ( ST151). after that,
If the card is not operable after a predetermined period of time, a card return operation is performed. When the customer selects the account number transfer destination bank based on the above guidance (ST152), the main control unit 20
1 should check the account status 5Tz53), and if an account that prohibits withdrawals is selected, the transaction will be interrupted 5T121,5
T122), if the transaction is approved, the CRT display section 7 displays an operation guide saying "Please insert the amount" (ST134). Thereafter, the transfer operation will be the same as the above-mentioned transfer transfer operation.

Therefore, if the 10th account number is a credit account,
A transfer is made from the 20th account to the 10th account, and if the 10th account number is not a credit account, a transfer is made from the 10th account to the 20th account. When using these methods to transfer funds between their own accounts, a customer does not have to enter the numerical value of the account number directly from the keypad, but only needs to select one of the account numbers displayed on the CRT display section 7. becomes very easy.

Next, when the key 6 for a balance inquiry transaction or a bankbook entry transaction is input when selecting the item, the main control section 201 communicates with the host computer 223. The results of this communication are printed on passbooks, slips, and journals. In the case of a balance inquiry transaction, the main control section 201 displays the balance on the CRT display section 7 before releasing the slip, and allows the customer to select whether or not to continue with the next transaction. If the customer chooses to continue, the main control unit 201 releases the slip and then returns to the transaction type selection step (ST45) described above to validate the next transaction without returning the 9 card. However, balance inquiry transactions at this time will be invalid. In addition, when a customer does not intend to continue with a passbook update transaction or balance inquiry transaction,
The main control unit 201 releases the slip, returns the passbook or card, and completes the transaction.

The above operation is performed at 5T as shown in the flowchart of FIG. 15(k).
Processes 156 to 8T171 are performed.

Next, when selecting the item, enter the key 6 for the passbook request transaction.
When the main control unit 201 turns on the host computer 2
23 (ST1y+).

Then, the host computer 223 records the passbook request in the storage area in the transaction information file 224 corresponding to that account. Then, when the main control unit 201 determines that the transaction has been accepted (5T173) and checks the status signal in the message (5TJ74), and determines that the statement request is OK, the CRT display unit 7 displays the message “Statement request OK, invoice collected. Please display the operation guide (ST17).
7).

When the customer takes out the slip in response to this guidance (ST178
), the main control unit 20 causes the card or passbook to be removed (ST179-1B, ?'). Also, checkbook requests and statement requests operate in the same manner as the above-mentioned passbook request.

The above-mentioned passbook request transaction is a transaction for requesting a financial institution to issue a new passbook when the number of pages remaining in the passbook held by the customer is running low.

This request is temporarily stored in the host computer 223,
Financial institutions are now mailing new passbooks to customers using the hindlimb. In this case, the host computer 223 checks the current usage status of the passbook and accepts the passbook request only when it is confirmed that the last page is being printed. By handling such transactions with automatic transaction devices, counter operations associated with issuing passbooks can be greatly reduced. , also checkbook requests transactions or statements:! 1
: Request transactions can also be requested in the same way as above. Similar to the passbook request, the request is once stored in a predetermined area in the transaction information file 224 by the host computer 223, and based on this storage, the clerk later mails the requested transaction statement or checkbook.

〔Effect of the invention〕

As detailed above, this invention can save the effort of depositing money into a specific account where the transaction amount is constant.
It is possible to provide an automatic transaction device that can reduce the burden on customers.

[Brief explanation of drawings]

Figures 1 to 17 show an embodiment of this invention.
Figure 1 is a perspective view of the exterior, Figure 2 is a schematic diagram of the internal configuration, and Figure 3 is a schematic diagram of the internal structure.
The figure is a sectional view taken along A-A' in FIG. 2, FIG. 4 is a sectional view taken along B-B' in FIG. 2, FIG. 5 is a sectional view schematically showing the card reading device, and FIG. is a sectional view of the dispensing mechanism, FIG. 7 is a sectional view of the passbook reading/printing device, FIG. 8 is a sectional view of the envelope processing device, FIG. 9 is a partially cutaway perspective view of the envelope issuing device, and 1θ is a sectional view of the envelope issuing device. Cross-sectional view schematically showing the printing section, 1st
Figure 1 is a sectional view of the shutter receiving mechanism, Figure 12 is a block diagram schematically showing the overall configuration, Figure 13 is a schematic block diagram of the speech synthesizer, and Figure 14 is the configuration of the current detection circuit. FIG. 15 is an electric circuit diagram, FIG. 15 is a flowchart for explaining the operation, and FIGS. 16 and 17 are diagrams showing display examples on a CRT display section. 2...Outer wall, 3...Customer service department, 4...Horizontal operation panel,
5...Vertical operation panel, 6...Keyboard, 7...C
RT display section, 8... Envelope removal section, 9... Envelope insertion slot, 12... Bankbook insertion slot, 13... Card insertion slot, 1
4...Speaker hole, 15...Curved shutter (shutter), 21...Card reader, 22...Payment mechanism, 23...Bankbook reading/printing device, 24...Envelope processing Device, 34... Magnetic head, 135... Printer, 1
36...Print head, 139...Journal paper,
147... Magnetic head, 148... Reading section, 170
~172... Envelope detector, 200... Thickness detector,
20 No. Main control unit, 203 Print controller, 204 Memory, 205 Memory, 20
8... Operation/guidance controller, 209... Memory, 210... Memo I), 212... Speech synthesis device,
218... Current detection circuit, 219... Timer circuit. Applicant's agent Patent attorney Takehiko Suzue -6 Figure 1 Adhesive 59-71572 (22) Figure 2 Figure 3 Figure 4 Figure 15 (b) -651- Figure 15 (9) 15 Figure (i) Figure 15 II (k) Figure 15 ()) Figure 15 (m) Figure 15 (n) Figure 15 (q) Figure 15 (r) Figure 16 Figure 17 659

Claims (1)

[Claims] In automatic transaction devices that automatically perform transactions such as withdrawals,
determining means for determining whether a transaction medium for a predetermined account has been inserted; a storage means for storing a certain transaction amount corresponding to the predetermined account; An automatic transaction device comprising means for reading an amount from the storage means and displaying it on a display device.