JPS6011964A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To record assuredly the transferrer information by reading the transferrer information on a transfer request form as the image information and then recording the read image information to a recording medium. CONSTITUTION:A transfer request form 10 is fetched to a bankbook print part, and an image sensor 53 reads and scans the address, the name and the telephone number of the transferrer recorded in a transferrer information recording area 101. The output signals of this scan are processed successively at an analog processing part 71 since a changeover switch 72 is closed to the side (a) and then stored to a data memory part 75 in the form of the information on quantization which underwent digital conversion through a digital conversion part 73 and a digital processing part 74. A printer 76 drives a print head in response to the stored image data in order to print said address, name and telephone number on the journal paper.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device such as an automatic teller machine that can transfer cash to, for example, another financial institution.

[Technical background of the invention]

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, an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically dispenses the cash requested by the user by communicating with a host computer, or a machine with a magnetic stripe on which account information is recorded. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks, and automatic teller machines that combine both of these functions into one machine, are being used as automation equipment at bank counters. It has developed rapidly and has been introduced by banks to provide quick services to their users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. Things that do this have been developed and put into practical use.

[Problems with background technology]

However, with automatic transaction devices that perform transfer transactions such as those mentioned above, when a cash transfer transaction is made, the information of the sender, that is, address, name, and telephone number, is entered through key operations, so there is a possibility that the key operation may be incorrect. could have occurred. In this case, if the transfer transaction cannot be performed due to an error in the transfer account, etc., there is a problem in that if the transfer information is incorrect, it will not be possible to contact the transferee.

[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 reliably record payer information.

[Summary of the invention]

In this invention, by inserting a transfer request form in which transfer person information is recorded, the transfer request form is read as image information, and this read image information is recorded on a recording medium. It is something.

[Embodiments of the invention]

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

FIG. 1 shows an automatic transaction device of the present invention. That is, a substantially L-shaped operating section 2 is formed on the front surface of the housing 1 . A banknote insertion slot 3 is provided on the horizontal surface of the operation unit 2, in which a large number of banknotes to be transferred or transferred can be inserted at once, and change can be received from the banknotes. A flexible door 4 is provided.

Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display section 5 displays operation procedures and other information on the CRT screen using illustrations, characters, or words to guide the user, and also uses the display to display information such as passwords, amounts, account numbers, etc.
A so-called key operation is performed in which a touch sensor (not shown) detects this by pressing a display part corresponding to approval, confirmation, or cancellation of a transaction, and outputs a corresponding signal to the main control unit 11, which will be described later. It is. In other words, as shown in Figure 2, for example, the message ``Please enter the payer's name'' is displayed, as well as katakana for entering the payer's name and a key for indicating the type of business where the transfer is to be made. . The contents and display change each time the machine operation or step status changes.

Further, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which account information such as a password and account number is recorded is inserted, a passbook into which a bankbook or a transfer request form 10 is inserted, and a bankbook into which a bankbook or transfer request form 10 is inserted. A transfer request form insertion slot 7, a coin insertion slot 8 for inserting coins, and a coin change receiving slot 9 for receiving change for coins are provided.

As shown in FIG. 3, in the transfer request form 10, the address, name, and telephone number of the payer are recorded in advance in the payer information recording area 101, and multiple transfer results are recorded in the transfer result recording area 102. It has become so.

By the way, as shown in FIG. 4, inside the housing 1, there is a main control unit 11 that controls the entire system, which accepts a card inserted through the card insertion slot 6 and reads the PIN number and account number from the magnetic stripe on the card. A magnetic card reading unit 12 reads account information such as numbers, reads the magnetic stripe of the bankbook inserted through the bankbook and transfer request form insertion slot 7, and records transaction details on the bankbook and journal paper 59 to be described later. A bankbook printing unit 13 that reads information in a payer information recording area 101 of a transfer request form 10 inserted from a transfer request form 7 with an image sensor 53 (described later) and records the image information on a journal paper 59, and the banknote insertion slot 3. A deposit/withdrawal unit 14 accepts banknotes inserted into the slot and dispenses a specified amount of banknotes into the banknote insertion slot 3, accepts coins inserted into the hardening slot 8, and dispenses a specified amount of coins into the coin slot 3. A coin deposit/withdrawal unit 15 that dispenses coins to the receiving slot 9, a customer service unit 16 constituted by the CRT display section 5, an audio guidance unit 17 that provides voice guidance to customers through a speaker (not shown), an internal monitor 18 for the staff member,
a floppy disk 19 on which transaction data etc. are stored;
The main control unit 11 and a host computer (not shown)
A transmission control section 20 and a power supply section 21 are provided to control data transmission between the two. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

The above-mentioned bankbook printing section 13 is configured as shown in FIG. That is, a passbook insertion slot 7 is communicated with the front side of the main body 42, and a detector 43 is provided near the insertion slot 7 to optically detect the inserted passbook 25 or transfer request form 10. . A conveyance path 44 is provided in a substantially horizontal state from the detector 43 toward the rear of the main body 42 . This conveyance path 44 is composed of drive rollers 45, . . . , pinch rollers 46, . It is driven by a pulse motor 48 via. 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 50 serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 50 is used to read or record information on the magnetic stripe of the accepted passbook, and it comes into contact with the magnetic stripe as necessary, and moves along the magnetic stripe (in the transport direction of the passbook). Reading or recording is performed by moving the device (orthogonal direction). Further, a light source 51 is provided above the midway portion of the conveyance path 44 for emitting light onto the bankbook or transfer request form 10 being conveyed.
The reflected light from the passbook or transfer request form 10 according to 1 is reflected by a reflection mirror 52 and guided to a CCD image sensor 53 as a photoelectric converter. The image sensor 53 is, for example, a self-scanning surface array formed by arranging a large number of solid-state image sensors on a plane, and its scanning direction is orthogonal to the transport direction of the transport path 44.

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 on the conveyance path 44 .

An electromagnetic brake 55 as a locking mechanism is connected to the platen roller 54.
Due to the action of , while handling the passbook or transfer request form 10,
Journal paper (recording medium) 59 that is locked and will be described later
It is designed to be able to rotate freely when printing. 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 and print head 56
These constitute a printing device 76 that prints predetermined information on the passbook transfer request form 10 and the journal paper 59. A roll of journal paper 59 is wound around the platen roller 54 . This journal paper 59 is wound and held on a delivery shaft 60, is wound onto a take-up shaft 61 via a platen roller 54, and is conveyed by a feed roller 62 and a pinch roller 63. The winding shaft 61 and the feed roller 62 are driven by a pulse motor 64 via a belt. In addition, the conveyance path 44
A detector 65 is provided in front of the platen roller 54 to optically detect the bankbook or transfer request form 10 being conveyed. Further, near the end of the conveyance path 44, a collection box 68 is provided to store the conveyed passbooks.

FIG. 6 shows an optical reading device, which reads the payer information recording area 101 of the transfer request form 10 received by the passbook printing unit 13 in FIG. configured. In other words, 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 the quantization information is is converted to This digitally converted quantized information is supplied to the data storage section 75 via the digital processing section 74, where it is temporarily stored as a two-dimensional pattern.

The two-dimensional pattern stored in the data storage section 75 is printed on the journal paper 59 by the printing device 76.

Further, the output signal of the image sensor 53 is also used for controlling the designation of the print 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 71 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 received bankbook in the bankbook printing unit 13 shown in FIG.
It has a circuit configuration similar to that shown in No. 9832. That is, to roughly explain the method, while conveying the accepted passbook, the printed surface is scanned in the row direction by the image sensor 53 and photoelectrically converted, and each scanning line is converted by the photoelectric conversion signal for each scanning line. The presence or absence of printing is detected for each scanning line, the presence or absence of printing is determined by counting the number of scanning lines in which printing is detected, and the printing position is determined and specified based on the determination result. In addition, when the transaction type is selected as "transfer", the changeover switch 72 is
It is designed to close on the side B, and at other times (deposit money, book entry, etc.) it closes on the B side.

Next, the transfer operation in such a configuration will be explained with reference to the flowcharts shown in FIGS. 7(a) to 7(d). For example, a customer is now standing in front of this device. At this time, the CRT display section 5 displays the message ``Welcome, please specify your transaction'' and the selection keys ``withdrawal, deposit, balance inquiry, passbook entry, transfer.'' In response to this guidance, the customer presses the button labeled "Transfer". As a result, the main control unit 11 determines to proceed to the next processing step, displays "Please press the type of transfer" on the CRT display unit 5, and presses the selection key for "cash or card withdrawal". Display it (ST1). Next, customers follow the instructions and go to ``
Press down on the area that says "Card withdrawal" (ST
2). As a result, the main control unit 11 determines that the transfer will be made by debiting the card (ST3), and causes the CRT display unit 5 to display the instruction "Please insert your card" (ST3).
4). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5). Then, the card is taken into the magnetic card reading section 12, and account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST6).

The above account information is checked by the main control unit 11 (S
T7) If it is determined that the card is incorrect, the main control unit 11 performs error processing. Furthermore, if the main control unit 11 determines that the card is correct, it displays “Please press your PIN” on the CRT display unit 5, and
A numeric keypad and a correction key are displayed (ST8). Next, the customer follows the instructions and inputs the PIN number by pressing down on the area where the numeric keypad is displayed (ST9
). By inputting this password, the main control unit 11 determines whether or not the passwords match (ST10), and if they do not match, performs a password re-input process. In addition, when the PIN numbers match or when it is determined that the card key has been pressed in step 3 above, the main control unit 11 displays “Please press the transfer amount” on the CRT display unit 5 and displays the numeric keypad and amount key. Display it (ST11).

Next, the customer follows the instructions and inserts the amount to be transferred (ST12). With this input, the main control unit 11
On the T display section 5, the message "Press the registration key or the designation key depending on whether the destination is registered or not registered" is displayed, and the registration key and the designation key are also displayed (
ST13).

Next, the customer inserts the specified key according to the instructions (ST14). When the main control unit 11 determines that this designated key has been input (ST15), it displays on the CRT display unit 5 the message “Please press the destination financial institution” and
The financial institution selection key is displayed (ST16). Following this guidance, the customer presses down on the financial institution (ST1
7).

When the main control unit 11 determines that it is not an individual institution name by pressing this button (ST18), and determines that the list is not possible (ST1
9) Display on the CRT display section 5 the message "Please enter the initial letter of the name of the destination bank," as well as display the katakana key, correction key, and completion key (ST20). Then, when the completion key is pressed (ST21), or when the main control unit 11 determines that the list is possible in step 19, the main control unit 11 displays the message "Please press the destination financial institution" on the CRT display section 5. is displayed, and a financial institution selection key is also displayed (ST22). Following this guidance, customers push financial institutions down. When the main control unit 11 determines that an individual institution name has been entered by pressing this button or in step 18, or if the main control unit 11 determines that the list of branch names is not possible (ST24), the CRT display unit 5
``Please enter the initial letter of the destination branch name'' and a katakana key, a correction key, and a completion key are displayed (ST24').

Then, when the completion key is pressed (ST25), or when it is determined in step 24 that the list of branch names is possible,
The main control unit 26 causes the CRT display unit 26 to display a branch name selection key saying “Press destination branch name” (
ST26). Next, the customer presses the branch name selection key according to the instructions (ST27). By pressing this button, the main control section 11 causes the CRT display section 5 to display "Please enter the destination account number and deposit type", and
The numeric keypad, correction key, normal key, and current key are displayed (ST28). Following this guidance, the customer enters the account number and deposit type (ST29). Based on this input, if the main control unit 11 determines that it is not the main branch (ST
30) Display "Please press recipient name" on the CRT display 5, and press the katakana key, correction key,
A completion key is displayed (ST31). Then, when the completion key is pressed (ST32), when it is determined that it is the main branch in step 30, or when it is determined that the registration key has been input in step 15, the main control unit 11 says, ``The computer is currently processing. Please wait" is displayed (ST33). The main control unit 11 also sends and receives inquiry messages, and prints the results on the journal paper 59 (ST34). Next, if the main control section 11 determines that the registration is not successful (ST35), it displays "Please confirm recipient" on the CRT display section 5, as well as a confirmation key and a cancellation key (ST36). Following this guidance, the customer inserts the next registration designation key, confirmation key, or cancellation key (ST37). Then, when the main control unit 11 determines to input the next registration designation key (S
T38), the process returns to step 36, and when it is determined that the cancellation key has been pressed (ST38), cancellation processing is performed. Further, if the main control unit 11 determines registration in step 35, the main control unit 1
1 displays "Please confirm recipient" and also displays a confirmation key and a correction key (ST40).
). Following this guidance, the customer inserts the confirmation key or cancellation key (ST41).

Then, when the main control unit 11 determines that the cancellation key has been input (
ST42), performs cancellation processing.

Further, when the main control unit 11 determines that the confirmation key is input in steps 38 and 42 and determines that the card is not used (S
T39), the main control unit 11 causes the CRT display unit 5 to display the message ``Please enter the name of the person making the payment,'' as well as displaying katakana and a key for instructing the type of place of business where the transfer is to be made (ST
43).

Following this guidance, the user presses the payer's name and the completion key (ST44). By pressing this completion key, the main control unit 11 displays "Please insert transfer request form" (ST45). With this guidance, the customer will receive the transfer request form 1.
0 into the passbook and transfer request form insertion slot 7 (ST46)
. This transfer request form 10 is taken into the bankbook printing section 13. As a result, the image sensor 53 reads and scans the payer information recorded in the payer information recording area 101 of the transfer request form 10, that is, the address, name, and telephone number. Since the changeover switch 72 is closed to the a side at this time, the output signal of the image sensor 53 due to this scanning is sequentially subjected to analog processing in the analog processing section 71, and digitally converted in the digital conversion section 73 and the digital processing section 74. The data is sequentially stored in the data storage unit 75 as quantization information. The address, name, and telephone number are printed on the journal paper 59 by the printing device 76 driving the print head 56 in accordance with the image data stored in the data storage section 5 .

Next, if the main control unit 11 determines to use the card in step 39, or if the transfer request form 10 is inserted in step 46, the main control unit 11 displays a message on the CRT display unit 5 that says, “If the details of the transfer are correct, confirm. Please press "," as well as the details of the transfer, a cancellation key, and a confirmation key (ST47). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST48). Then, when the main control unit 11 determines that the cancellation key has been input (
ST49), performs the cancellation process, determines whether to insert the confirmation key (ST50), and when it is determined that the card is to be used, the CRT display unit 5 will display the message "Please insert banknotes and coins into their respective slots. If you agree, please insert the confirmation key.""Pleasepress" is displayed, along with a confirmation key and a cancellation key (ST51). Following this guidance, the customer inserts banknotes into the bill insertion slot 3 and coins into the coin insertion slot 8 (
ST52). Then, the banknotes are received by the deposit/withdrawal unit 14 for inspection and counting, and the coins are accepted by the coin deposit/withdrawal unit 15 and counted for inspection (ST53). When the above-mentioned inspection counting is completed, the main control section 11 causes the CRT display section 5 to display the input amount on the display in step 51 (ST54).
). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST55). Then, when the main control unit 11 determines that the cancellation key has been pressed (ST56), the cancellation process is performed.

Further, when the main control unit 11 determines that the confirmation key is inserted or when it determines that the card is to be used in step 50, the CR
``The computer is currently processing the computer. Please wait for a while'' is displayed on the T display section 5 (ST57). Further, the main control unit 11 transmits and receives the transfer message, and prints the result on the journal paper 59 and the transfer request form 10 using the printing device 76 (ST58). Upon completion of this printing, the main control unit 11 determines whether there is change by comparing the transferred amount with the withdrawn amount or input amount (ST59).

Then, when the main control unit 11 determines that there is change, CR
``Please receive banknotes and coins from their respective receiving slots'' is displayed on the T display section 5, and the amount of change is also displayed (ST60).

At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9 (ST61). .

As a result of this release, the customer receives change (ST62).

When this change has been received, or in step 59
When the main control unit 11 determines that there is no change, the main control unit 1
1 causes the CRT display section 5 to display "Please receive the transfer request form (and card)". At this time, main control unit 1
1 causes the transfer request form 10 to be ejected from the passbook/transfer request form insertion slot 7 (and also causes the card to be ejected from the card insertion slot 6) (ST64). Then, the customer receives the transfer request form 10 (or card) (ST65) and completes the transfer process.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that can reliably record payer information.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, FIG. 2 is a diagram showing an example of a display on a CRT display section, and FIG. 3 is a plan view showing the structure of a transfer request form. , Figure 4 is a diagram showing the configuration of the main parts of the electric circuit, Figure 5 is a sectional view showing the configuration of the passbook printing section, Figure 6 is a block diagram showing the schematic configuration of the reading device, and Figure 7 is the transfer operation. It is a flowchart for explaining. 3... Bill insertion slot, 5... CRT display section, 6...
Card insertion slot, 7...Passbook, transfer request form insertion slot, 8.
... Coin insertion slot, 10... Transfer request form, 10... Transfer person information recording area, 11... Main control unit, 13...
Passbook print unit, 44... Conveyance path, 53... Image sensor, 56... Print head, 59... Journal paper (recording medium), 71... Analog processing unit, 73
Digital conversion section, 74...Digital processing section, 75...
- Data storage unit, 76...printing device. Applicant's attorney Takehiko Suzue Figure 3 Figure 6 Figure 4

Claims (2)

[Claims] (1) In an automatic transaction device that performs transfer transactions, etc., there is an acceptance port that accepts a transfer request form in which payer information is recorded, which is inserted by the user, and a transport mechanism that transports the transfer request form accepted at this acceptance port. and a reading device for reading the payer information on the transfer request form conveyed by the conveyance mechanism as image information, and a recording means for recording the image information read by the reading device on a recording medium. automatic trading device. (2) The automatic transaction device according to claim 1, wherein the payer information is the name and telephone number of the payer.