JPS60114960A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To attain handling of a deed form time deposit by opening an account based on account information, issuing a deed on which a monetary amount and a name of depositer are printed and receiving the name of the depositer from a ledger file corresponding to the account information. CONSTITUTION:When a customer inserts a card to a card inserting slit according the guidance, the account information such as a secret number and an account number of an ordinary deposit is read. The customer inputs the incoming monetary amount, a deposited term and the method of reception of interest by key operation and transmits them to a center 201. The center 201 accesses the said account of an ordinary account file 207, reads the address and name and opens a time account in a time deposit account file 208. The center 201 transmits the account number of the opened time deposit and a Kanji (Chinese character) data of the name to an automatic deposit machine 202. A master control section 215 issues a deed of the time deposit from a bank book insertion slit by using a bank book/deed print section 41.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction system comprising an automatic transaction device capable of handling certificate-type time deposits and a center connected by a line.

[Technical background of the invention and its problems]

In recent years, automatic teller machines that accept magnetic cards with account information recorded on them submitted by users and automatically pay cash requested by users by communicating with a host computer;
Alternatively, there are automatic teller machines that automatically accept cash using magnetic passbooks with magnetic stripes that record account information, and even automatic teller machines that combine both of these functions into one machine. Automated transaction devices are rapidly developing as automation equipment for bank counters and are being introduced at banks to provide prompt services to users.

In addition, if you are tired, you can use an automatic teller machine that can transfer money between accounts using a CRT display, or enclose securities such as bills and /F stamps in a deposit envelope and deposit them for the time being. Accordingly, automatic teller machines that can accept securities transactions are being developed.

These recent technological trends have gradually changed from simple deposit and withdrawal operations to cope with the introduction of a two-day weekend system at banks and the accompanying unmanned operation of counters on holidays to avoid degrading customer service. Business automation is progressing.

Once the deposit operations using envelopes are automated, the remaining counter operations are those for depositing certificate-type time deposits.

The depositing process for certificate-type time deposits is fundamentally different from conventional bank automation equipment because, in the case of certificates, the certificate itself functions as a cash certificate, and its issuance requires sufficient This means that it must be done.

As mentioned above, there are several technical reasons why conventional automatic deposit machines could not handle fixed deposits in the form of certificates. The problem lies in the fact that it could not be issued. In other words, when opening a fixed deposit account, fill in the amount, name, address, etc. on the deposit slip at the counter, and affix a seal, and when canceling the account, the impression of the seal you brought with you for identity verification and the impression left at the bank. The system compares and matches the numbers and pays cash if there is a match. Not only is it extremely difficult to automate systems that require the intervention of staff, but if the input of addresses and names is left to the customers to operate keys, the operation time will be reduced and the burden on the users will be reduced. Furthermore, even if a seal could be stamped, the latest seal verification technology would be required for the device to determine whether it was stamped correctly or not, making the device very expensive. was there.

[Purpose of the invention]

This invention was made in view of the above circumstances, and its purpose is to not only issue certificates with a simple operation using an authentication medium that replaces a seal, but also to ensure automatic verification of identity upon cancellation. The purpose is to provide a trading system.

[Summary of the invention]

This invention accepts a transaction medium in which account information inserted by a user is recorded, reads all account information and information of the accepted transaction medium, and creates an account based on the read account information. At the same time as opening a bank, a certificate with the amount to be deposited and the name of the person making the deposit is printed, and the above types are accepted from the ledger file whose name corresponds to account information 4.

[Embodiments of the invention]

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

FIG. 1 shows, for example, an automatic teller machine, in which an abbreviated operating section 2 is formed on the front surface of a ridge 1. As shown in FIG.

A deposit slot 3 is provided on the horizontal surface of the operation unit 2, into which a large number of banknotes to be deposited (deposited) can be inserted at once.
This deposit port 3 is provided with a door 4 that can be opened and closed. Note that the door 4 is automatically opened at a predetermined deposit timing so that banknotes can be inserted, and is manually closed by the user after the banknotes are inserted. In addition, the operation section 2
On the horizontal surface of the screen, there is a numeric keypad 5 for the user to enter a PIN number, amount, or account number, and confirmation and cancellation keys used for the user's response when asking the user to approve or disapprove the transaction. button 6, CRT display section 7, this CRT
Ten function keys 8, 8 . ...is provided. Above C
The RT display section 7 displays illustrations of operating procedures and other information.
Text or wording is displayed on the CRT screen to guide all users.

The CRT display section 7 also has function keys 8. . . . are displayed, and the functions of the function keys 8, . . . are switched depending on the step status of the machine. That is, for example, as shown in FIG. 2, in the initial standby state, the message ``Welcome, please press the ? button for available items'' is displayed. In this situation, (b) is the transaction item selection step, so 10 function keys 8. Eight of them are given meaning as the item selection key, and the remaining two are not used.

Then, the contents and display change each time the machine operation or step status changes, and the function key 8.
It is also possible to switch the functions of...

゛In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 9 for inserting a magnetic card as a transaction medium in which account information such as a personal identification number and savings account number is recorded, and a card insertion slot 9 for inserting a magnetic card as a transaction medium. , or insert a passbook into which certificates of regular bills are sent □ Slot (accepting port) Change outlet 1 which dispenses 100 change coins, Bill dispensing port (dispensing port) which dispenses paid bills, returned bills, and transaction proof receipts ) 12. An envelope insertion slot 13 is provided into which a loading envelope 2o (to be described later) is inserted. Further, on the upper vertical surface of the operation unit 2, there is a handling item display 14 that reversely displays the handling items by lighting a lamp, a flag display 15 that stops during handling, and an attendant call button 16.
is provided.

On the other hand, a change storage 17 is provided on the top surface of the housing 1 and stores five types of coins, for example, from 1 yen to 100 yen.A change storage 17 is provided on the top surface of the housing 1, and a lock is provided on the front side for convenient replenishment of change coins. It has a secured door. In addition, an envelope storage box 18 is provided on the top surface of the housing 1 along with the change storage 17, and inside this storage box 18, the user can freely store cash received during payment transactions. A cash envelope 19 that can be picked up and a loading envelope 2o with a special mark for depositing bills, checks, etc. are stored.

A depositing device and a dispensing device (not shown) are housed in the housing 1, respectively. The deposit device accepts the banknotes inserted into the deposit slot 3 one by one, inspects them, and determines the received amount, and the withdrawal device accepts banknotes that correspond to the amount input using the numeric keypad 5. The bills are taken out one by one from the deposit box and delivered to the bill dispensing port 12. Since these all use already known mechanisms, detailed explanation thereof will be omitted. Although not shown, an envelope handling device is provided within the casing l corresponding to the envelope insertion opening 13.

This envelope handling device accepts the loading envelope 20 inserted into the envelope insertion slot 13, optically reads and identifies the special mark printed on the envelope 20, and also identifies the printing area on the envelope 20. Specified information is printed on the paper and taken into the collection box.
The structure is similar to that shown in No. 1691. Further, although these are not shown, a card reading device as a transaction medium handling device is provided in the casing 1 corresponding to the card insertion slot 9, and a card reading device as a transaction medium handling device is provided in the casing 1 corresponding to the change outlet 11.
A change discharge device for discharging the coins in the change storage 17 is provided inside each of the change storages 17.

3(a) and 3(b) show a so-called magnetic passbook 25 as a transaction medium according to the present invention, and this passbook 25 has a plurality of sheets 28 arranged in a booklet shape between a front cover 26 and a back cover 27. A plurality of lines of printing columns 29 are printed on the printing surface of each of these sheets 28. A magnetic stripe 3 is affixed to a predetermined portion of the back cover 27, for example, in parallel with the binding section 3o, and account information such as an account number and balance of funds is recorded on this magnetic stripe 3. ing. Further, in the margin of each sheet 28, an optical bar mark 32 indicating the page number is printed in black.

FIG. 4(,)(b) shows a time deposit certificate 33 according to the present invention. In other words, certificate of fixed deposit 33
As shown in Figure 4(b), it consists of a depositor name field 35, an account number field 36, an issue date field 37, a deposit amount field 38, a time deposit period field 39, a due date field 40, etc. As shown in (a), a handling mark has been affixed in advance and the card is stored in a card case 34. This card case 34 is provided with a slit 34&, which is used to set the certificate 33 so that it does not move when printing an amount or the like.

FIG. 5 shows the passbook/certificate printing section 41, which accepts the passbook 25 inserted into the passbook IIO insertion slot 10 in FIG. 1 and performs predetermined processing on them. It is provided at a location corresponding to the passbook insertion slot 1o in the casing 1 in the figure. That is, a passbook insertion slot 10 is communicated with the front side of the main body 42, and this insertion slot 10
A detector 43 for optically detecting the inserted passbook 25 is provided near the passbook 25 . From this detector 43 to the main body 42
A conveyance path 44 is provided in a substantially horizontal state toward the rear. This conveyance path 44 includes drive rollers 45 . ...,
Cholera each roller 45. ... and the guide body 47. ..., etc., and is driven by a pulse motor 48 via a belt. Note that only the drive roller 45 located at the end of the conveyance path 44 is driven by a pulse motor 49 different from the motor 48 described above. A magnetic head 5θ serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 50 is for reading or recording information on the magnetic stripe 3 of the accepted passbook 25, and contacts the magnetic stripe 31 as needed,
1 (in a direction orthogonal to the conveying direction of the bankbook 25), reading or recording is performed.

Moreover, above the midway part of the conveyance path 44, the passbook 2 to be conveyed is
A light source 5 for emitting light 1 is provided on the passbook 5, and the light is reflected by the reflection mirror 52 from the passbook 25 and guided to the COD image sensor 53 as a photoelectric converter. ing. This image sensor 53 is, for example, a self-scanning type surface array formed by arranging a large number of solid-state image sensors on a plane, and its scanning direction is
This is the direction perpendicular to the transport direction of No. 4. Here, the light source 51
, mirror 52, and image sensor 53 constitute an optical system of an optical reading device, which will be described later.

Further, a platen roller 54 is rotatably supported in front of the light source 51 of the %hh feed path 44.

An electromagnetic brake 55 as a locking mechanism is connected to this platen roller 54.
Due to this action, the passbook 25 is locked while being handled, and is freely rotatable when printing on journal paper 59, which will be described later. A print head 56 is provided above the platen roller 54. The print head 56 is held by a carriage 57, and the carriage 57 is guided by a slide rod 58 and moved in the axial direction of the platen roller 54. Here, the platen roller 54, print head 56, etc. are connected to the passbook 2.
A printing device is configured to print predetermined information on 5. A roll of journal paper 59 is wound around the platen roller 54 . This glossy paper 59 is wound and held on a delivery shaft 6o, is wound onto a take-up shaft 61 via a platen roller 54, and is conveyed by a feed roller 62 and a pinter roller 63.

The above-mentioned winding shaft 61 and feed roller 62 are attached.

Rutowo through i? It is driven by a russ motor 64.

Further, in front of the platen roller 54 on the conveyance path 44, a detector 65 is provided to optically detect the bankbook 25 being conveyed. Further, near the end of the conveyance path 44, a collection box 68 is provided for storing the conveyed passbooks 25.

Further, above the stacking section 68, a certificate holder 102°10 is provided.
A certificate storage 101 consisting of 3, etc. is provided. For example, when a time deposit transaction is made, the certificate 33 stored in the card case 34 is transferred to the take-in roller 104 driven by an electromagnetic clutch equipped with an electromagnetic clutch. One sheet at a time is taken out and sent to the conveyance path 44 through the guide body lθ5, and when the time required to feed 10.1 sheets has elapsed, the clutch of the motor 110 (
(not shown) is cut, and the take-in roller 104 is stopped. A detector 109 is provided near the guide body 105 to optically detect the certificate 33 taken out from the certificate storage 101. This detector 109 is a well-known detector consisting of a light emitting element and a light receiving element. Further, a feed roller 106 and a pinch roller 107 are provided in the center of the guide body 105 to face each other. The feed roller 106 is interlocked with a dry glow 245 driven by a motor 110VC. The driving force of the feed motor 106 is transmitted to the pinch roller 107 through a gear (not shown), so that the pinch roller 107 rotates slightly faster than the feed roller 106, thereby preventing multiple certificates 33 from being taken. There is. Note that the plurality of sheets number detector 109 may be provided near the dirt 108. Further, when the detector 109 detects an object longer than a predetermined length, the drive roller 45 is reversed, and the certificate 33 is guided to the collection box 68 by the dirt 108. The certificate 33 housed in the card case 34 fed into the conveyance path 44 is conveyed to the printing device, and predetermined information such as the amount of money is printed thereon. The printed certificate 33 is conveyed to the optical reading device, where the information on the certificate 33 is read and it is checked whether the information printed on the certificate 33 matches the information to be printed. If they do not match, the drive roller 45 reverses and the gate 108 guides the paper to the collection box 68, and if they match, the paper is delivered to the insertion port 10.

FIG. 6 shows an optical reading device, which is used for the amount column, account number column, issue date column,
Reading against the period column! It is configured as follows, for example. That is, the output signal of the image sensor 53 in FIG. 5 is subjected to predetermined analog processing in the analog processing section 71, and then supplied to the digital conversion section 73 via the a side of the changeover switch 72, where it is converted into quantized information. be done. This digitally converted quantized information is supplied to the data storage section 75 via the digital processing section 74.

It is temporarily stored here as a two-dimensional pattern.

The contents of this data storage section 75 are supplied to a comparison/discrimination section 76, where they are compared with standard patterns (numerical values 0 to 9) in the turn storage section 27, thereby determining the read character. A main control section 78 is connected to this comparison/determination section 76, and a data storage section 79 and a print data storage section 80 are connected to this main control section 78. The main control unit 78 compares the determination result of the comparison and determination unit 76 with the data in the print data storage unit 80 and the data storage unit 79 that store the numerical value to be printed, and determines that the numerical value to be printed and the printed numerical value match. Control is performed such as storing the result of the determination or the determination result in the data storage section 79. Further, the data storage unit 79 stores the determination result or data sent from the control unit (not shown) of the automatic deposit machine.

Further, the output signal of the image sensor 53 is also used for controlling the designation of the printing position, which will be described below.

That is, the output signal of the image sensor 53 that has been analog-processed by the analog processing section 7 is transferred to
It is supplied to the print position designation control section 81 via the side. This printing position designation control unit 81 is for controlling the designation of the printing position for the accepted bankbook 25 and certificate 33 in the bankbook handling device 41 shown in FIG. The circuit configuration is similar to that shown in the issue. Specifically, in the case of a passbook, the received passbook 25 is scanned in the row direction by an image sensor 53 and photoelectrically converted, and each scanning line is converted into an electrical signal. The presence or absence of printing is detected for each scanning line using the photoelectric conversion signal of , and the presence or absence of printing is determined by counting the number of scanning lines in which printing presence 9 is detected, and the printing position is determined based on the determination result. It is to be specified. Similarly, in the case of the certificate 33, while conveying the certificate 33, the printed surface is scanned in the row direction by the image sensor 53 and photoelectrically converted, and the photoelectric conversion signal for each scanning line is used as shown in FIG. ) is determined, and if it is an amount, for example, it will be printed in the amount column 38.

Next, the relationship between the automatic teller machine and the center computer system (center) will be explained using FIG. That is, the center 201 is connected to a terminal device including a plurality of automatic teller machines 202 via a line 206, and transmits deposit data 9 and 9 in real time between the terminal and the terminal by issuing polling at a certain period. It is supposed to be done in The center 201 has a modem 2θ5, an input/output 7J' control unit 2o4
, a central processing unit 2o3, a regular account file 207, and a regular account file 20B. The above ordinary account file 207 and regular account file 20B
is an external storage device such as a magnetic disk as each deposit account ledger.

The automatic deposit machine 202 has a main control section 21 that controls the entire system.
5. A magnetic card reading section 216 that accepts the card inserted through the card insertion slot 9 and reads account information such as a password and account number from the magnetic stripe section on the card; a passbook inserted from the bankbook insertion slot 10; It reads the magnetic stripe and records the details of the transaction on the passbook and journal paper 59, and also prints out the deposit amount, etc., and transfers the printed content to the deposit unit 213, which uses the image sensor 53, and sends the designated amount of banknotes to the banknote release unit 213. Exit 12 (F--dispensing section 214 for dispensing money, envelope processing section 217 for accepting envelopes inserted into the envelope insertion slot 13, operation section 2, transaction data, etc. are stored, and the period and interest rate of fixed deposit transactions are stored. a storage section 218 in which is stored; a transmission control section 21 that controls data transmission between the main control section 215 and the center 201;
o, and a modem 209.

The ordinary account file 207 is as shown in FIG. 8(a). That is, a predetermined memory area is determined for each account number, and the area is further divided for each type of data. For example, in response to a request from a customer to open an account, the customer's name B is input in Kanji data for the account number A, and the customer's address is input from an external terminal device. After this, the current balance will be updated according to deposits and withdrawals.
When a transaction that does not use a passbook occurs, it is stored as passbook unrecorded data E-F, and when a transaction that uses a passbook occurs, this data is output to the terminal side.

The regular account file 208 is as shown in FIG. 8(b). That is, a predetermined memory area is determined for each account number, and the area is further divided for each type of data. For example, in response to a request from a customer to open an account, the kanji data B1 address C of the account's name is stored together with the account number A from the regular account file 207 based on the customer's preferred savings account. Also,
In addition to the above data, each memory area stores the periodic amount, period, method of receiving interest, etc.

Next, the operation in such a configuration will be explained. In the initial waiting state for users, the CRT display section 7 displays the message ``Welcome, please press the button for the items we handle'' and the items that can be handled by this automatic deposit machine, as shown in Figure 2. The following items are displayed: ``Payment'', ``Envelopes'', ``Ordinary deposits'', ``Regular deposits'', ``Bookkeeping'', ``Inquiries'', ``Transfers'', and ``Transfers'', as well as each handling item. A flashing triangular mark is displayed corresponding to each display to remind customers to be careful. Therefore, the customer can select and specify a deposit transaction by pressing the function key 8 arranged correspondingly to the area labeled "Deposit", for example. In this manner, the customer first selects and specifies the desired transaction item, and by making this selection specification, the transaction operation for the specified item is started. First, normal deposit/withdrawal (deposit, payment) transactions and passbook entries,
Regarding each operation of the balance inquiry transaction, since these operations are similar to those already known in the past, a flowchart of each of these processing operations is shown in FIG. 9, and detailed explanation will be omitted.

Next, Figure 10(a)(b) shows the processing operations for time deposit transactions.
This will be explained according to the flowchart shown in .

That is, the customer inserts the function key 8 for "Regular Deposit" in response to the guidance on the handling items (ST1).
. As a result, the main control section 215 causes the CRT display section 7 to display the guidance "Please insert the card" (S
T,? ). Next, the customer inserts the card into the card insertion slot 9 according to the instructions (ST, 9). Then, the card is taken into the magnetic card reading section 216, and account information such as a personal identification number and savings account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (STM). The above account information is checked by the main control unit 215 (ST5 L) If it is determined that the card is incorrect, the main control unit 215 performs error processing. Also, if the main control unit 215 is determined that the card is correct,
``Press your PIN number'' is displayed on the CRT display section 7 (ST6).

Next, the customer follows the instructions and enters his/her PIN number into the numeric keypad 5 (ST7). By inputting this password, the p1 main control unit 215 determines whether the passwords match or not (ST, 9), and if they do not match, performs a password re-input process. In addition, if the PIN numbers match, the main control unit 215
``Please insert banknotes'' is displayed on the CRT display section 7, and the door 4 of the deposit slot 3 is opened (ST9).

Next, the customer inserts banknotes into the deposit slot 3 according to the instructions and closes n4 (STIO). Then, the banknotes are received by the deposit unit 213 and are inspected and counted (STII
). When this inspection counting is completed, the main control unit 215
The RT display section 7 displays the amount of money to be deposited, and also displays the message "If the amount is correct, please press the confirmation key; if not, press the cancel key" (ST12) c. In response to this guidance, the customer can confirm or cancel the transaction. Insert function key 8 (STzs).

Then, when the main control unit 215 determines that the cancellation key has been pressed (STI4), cancellation processing is performed. In addition, the main control unit 2
15 is when it is determined that the confirmation key has been inserted (STI4), C
As shown in FIG. 11, the RT display unit 7 displays the message ``Please specify your desired deposit period in butane'' and also displays various deposit periods, their interest rates, and interest rates (ST15). For example, 48'IA time deposits for 3 months, 6 months, 1 year, and 2 years are displayed for selection, and the interest rate for each and the interest rate on the current deposit amount are displayed. Therefore, not only can the customer specifically know the amount of interest earned on each time deposit, but it also has a function similar to sales activities at a bank counter.

Then, one for a predetermined period is selected according to the above guidance (5T16). Next, the main control section 215 causes the CRT display section 7 to display "Please specify 9 methods of receiving interest using buttons" as shown in FIG.
Display "Cash" [Transfer to Cardroza] (ST1
7). Here, "cash" means that the interest is received in cash at the time of cancellation, and "transfer to Cardro account" means that the interest is automatically transferred to the customer's savings account when the deadline comes. Then, when the key corresponding to ``cash'' or ``transfer to card drawer'' is inserted (STlB), the main control unit 21
5 returns a response to the polling from the center 201, and transmits the customer's savings account number, deposit amount, deposit period, and interest receiving method to the center 201 as a set of messages (ST18'). At this time, the main control unit 215
``The computer is currently processing the computer. Please wait for a while'' is displayed on the T display section 7 (5T19).

Next, the center 201 that received the above message accesses the account in the regular account file 207, reads the address and name, and accesses the vacant account number area in the regular account file 208, as shown in FIG. 8(b). The transmitted data and the read address and name are stored in a predetermined format (ST20). For this, regular account file 2
The regular account was opened in 2008. Next, the center 201 transmits the opened regular account number and the kanji data of the name to the main control unit 215 of the automatic deposit machine 202 (ST21). Then, the main control unit 215 temporarily stores the regular account number and the name in kanji data in the storage unit 218, and then outputs it to the passbook/certificate printing unit 41 (ST22
). The p1 main control unit 215 causes the passbook/certificate printing unit 41 to issue the certificate 33 of the time deposit from the passbook insertion slot 1θ (STR3). That is, the intake roller 10
4, one or more certificates 33 stored in the card case 34 stored in the ρ certificate storage 101 are taken out and fed into the conveyance path 44 through the guide body 105. At this time, the conveyance of the certificate 33 is detected by the detector 109, and when the length of the certificate 33 or more is detected, the drive roller 45 is reversed and the certificate 33 is transferred to the gate 1o8 and the stacking box 6.
8. The certificate 33 housed in the card case 34 fed into the conveyance path 44 corresponds to a printing device, that is, a print head 56. At this time, the main control unit 78 stores the time deposit account number, issue date, and information supplied from the main control unit 215.
By driving the print head 56 in accordance with the deposit amount, term, due date, interest rate, Kanji character data of the name, and method of receiving interest, printing is performed on the corresponding position on the certificate 33.

However, as for how to receive interest, in the ``Handling'' column, if you are paying cash, please print ``Dunkin,'' or if you are paying by wire transfer, please print the account number of the savings account read from the Tsumaku card.

Next, the printed certificate 33 is conveyed along the conveyance path 44 and faces the reading position of the optical reader thumb image sensor 53. Accordingly, the amount (numerical information) recorded in the amount column 38 printed on the certificate 33 is read and scanned by the image sensor 53. Since the output signal of the image sensor 53 due to this scanning is closed to the a side at this time, it is analog-processed by the analog processing section 71 and converted into digital data by the digital conversion section 73 and the digital processing section 74 as quantized information. stored in the storage unit 75,
It is temporarily memorized here as a two-dimensional turn. The contents of the data storage section 75 are determined by the comparison and discrimination section 6? The read character is determined by comparing and collating it with the standard pattern (numerical values 0 to 9) in the turn storage section 77. Then, the main control section 78 determines whether or not the number of digits and numerical values match between the determination result of the comparison determination section 76 and the numerical value to be printed in the print data storage section 8θ, and outputs this determination result to the main control section 215. do. If the above judgment results do not match, the drive roller 45 is reversed, and the certificate 33 is guided to the collection box 68 by the RT 108 and stored therein. At this time, not shown,
An alarm system will alert the staff and the system will be shut down. If they match, the certificate 33 is ejected from the passbook insertion slot 10.

At the time of this release, the main control unit 215 causes the CRT display unit 7 to display the message ``Please receive the time deposit certificate and card'' (ST, ?4). Also, at this time, the main control unit 21
5 releases the card from the card insertion slot 9 (5r
25). Next, the customer receives the certificate 33 and the card (ST26), and completes the time deposit processing.

As mentioned above, by using a magnetic card, it is possible to access the center, retrieve the name and address information of the person from this account number, and use it as the principal information for the newly opened certificate account number, and furthermore, it is possible to automatically Not only is it extremely easy to operate as the name can be printed on the certificate automatically, but even if the user does not have a seal, by presenting the magnetic card at the time of cancellation, the user can declare the PIN number recorded on the card. By verifying the number, the identity of the person can be verified.

In the above embodiment, the approval stamp of the tax office and the bank company name stamp regarding the stamp tax declaration payment validating the certificate of deposit are printed, and the name of the dealer is stamped in advance, but this is not limited to this. It is also possible to affix a seal each time. In this case, if two certificates are issued with a 9 mark on them, the name of the dealer will not be stamped on the blank certificate, thereby preventing the risk of falsification. Further, although the present invention is implemented in a registered certificate issuing system, the present invention is not limited to this, and may be an anonymous certificate issuing system. In this case, there is no need for a savings account card, and certificates can be issued to an unspecified number of people, and it is also possible to develop the system into an automatic issuing system for cash certificates such as gift certificates. Furthermore, although it was only the issuance of a certificate,
Automation of cancellation of certificates may also be performed by introducing technology for determining the authenticity of certificates, such as MICR printing, certificates with magnetic stripes, and seal imprint recognition.

Furthermore, as a means for inputting the deposited amount, the entire amount received by the cash receiving means is treated as the deposited amount, but the present invention is not limited to this. For example, a part of the received cash amount is The deposit should be the deposit amount,
Of course, the amount may be entered manually, or the deposited amount may be entered manually and the amount withdrawn from the savings account of the inserted card.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide an automatic transaction system that not only can issue a certificate with a simple operation using an authentication medium in place of a seal, but also can reliably verify the identity of the customer at the time of cancellation.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention; Fig. 1 is a perspective view showing the overall appearance of the automatic transaction device, Fig. 4 is a view showing a time deposit certificate, and Fig. 5 is a view showing a passbook/certificate print. Figure 6 is a block diagram showing the general structure of the reader, Figure 7 is an electric circuit diagram showing the relationship between the automatic teller machine and the center, and Figure 8 is the ordinary account. Figure 9 shows a storage example of files and fixed-term account files; Figure 9 is a flowchart for normal withdrawal transactions, passbook entries, and balance inquiry transactions; Figure 10 is a flowchart for explaining processing operations for fixed-term deposit transactions; FIG. 11 and FIG. 12 are diagrams showing examples of display on the CRT display section in time deposit transactions. 3... Deposit slot, 5... Numeric keypad, 7... CRT display section, 8... Function key, 9... Card insertion slot, 1θ... Bankbook insertion slot, 12... Bill release Exit,
33...Time deposit certificate, 34...Card case, 3
5...Depositor name, 36...Account number column, 37...
・Issuance column 8, 38...Deposit amount column, 39...Period column, 40...Due date column, 41...Passbook/Certificate printing section, 53...Image sensor, 56...Print head ,
71...Analog processing unit, 73...Digital conversion unit, 74...Digital processing unit, 75...Data storage unit, 76...Comparison/discrimination unit, 77...Riya turn storage unit,
78... Main control unit, 79... Data storage unit, 80.
...Print data storage unit, 101...Certificate storage, 10
2,103...Certificate valve, 104...Take-in roller,
105... Guide body, 106... Feed) roller, 10
7...Pinch roller, 108...Dart, 109.
...detector, 110...motor, 201...center, 202...automated teller machine, 203...central processing unit, 204...input/output control unit, 205...modem , 206... Line, 2θ7... Ordinary account file, 208... Regular account file, 209... Modem, 210... Transmission control section, 213... Deposit section, 21
4... Withdrawal section, 215... Main control section, 216...
Magnetic card reading section, 217... Envelope processing section, 218
...Memory department. Applicant's Representative Patent Attorney Takehiko Suzue Figure 2 7 Figure 4 Figure 7 Figure 8 Figure 10 (b)

Claims (2)

[Claims] (1) In an automated transaction system consisting of a center containing a ledger file that stores personal information and deposit information as account information for each user, and a plurality of automated transaction devices connected to this center via a line, The automatic transaction device is
a medium receiving means for accepting a transaction medium on which account information etc. inserted by the user are recorded; a reading means for reading the account information of the transaction medium accepted by the receiving means; a means for inputting the amount to be deposited; An account is opened based on the account information read by the reading means, and the amount entered by the input means and a means for issuing a certificate with the name of the person making the deposit are printed; An automatic trading system characterized in that the account information is accepted from a ledger file of a center corresponding to the account information. (2) The automatic transaction system according to claim 1, wherein the account information is an account number.