JPS6033489Y2 - currency trading device - Google Patents

Description

[Detailed Description of the Invention] This invention relates to a currency transaction device that automatically performs bank note deposit and withdrawal operations in place of bank employees, for example, among banking operations.

2. Description of the Related Art In recent years, various currency transaction devices such as automatic deposit devices (automatic deposit devices) and automatic cash withdrawal devices (automatic deposit payment devices) have been developed and put into practical use in line with efforts to save labor in banking operations.

These currency transaction devices are installed at bank branches, etc., and automatically perform deposits and withdrawals of banknotes in place of bank employees.

On the other hand, a currency transaction device that houses a cash acceptance means, or deposit means, and a cash payment means, or withdrawal means, in the same housing (
Automatic deposit/withdrawal devices have also recently been developed.

However, with conventional devices of this type, the amount of time the user receives depends on which method the user uses, that is, whether he chooses to make a deposit or a withdrawal transaction, and whether he uses a magnetic card or a magnetic passbook. Requires a lot of manipulation.

Similarly, there were problems such as user confusion and inconvenience.

This idea was devised in view of the above circumstances, and its purpose is to significantly reduce user operations by allowing users to express their desired transaction format using four types of keys, and to minimize the number of transactions required. The aim is to provide a currency transaction device that can be used with limited operation.

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

Figure 1 shows the external appearance of a currency transaction device (automatic deposit/withdrawal device) installed at a bank branch, etc., which has both deposit and withdrawal transaction functions.
An abbreviated operating section 2 is formed on the front surface of the operating section 2. On the vertical surface of the operating section 2, there is a card insertion slot 3 for inserting a magnetic card on which information such as identification information is written, and a predetermined slot Passbook insertion slot 4 for inserting a so-called magnetic passbook, which has a magnetic stripe on the back cover with information written on it.
, a return port 5 for returning fraudulent notes, and a withdrawal port 6 for dispensing banknotes.

On the other hand, on the horizontal surface of the operation unit 2, as shown in detail in FIG. 2, there are provided a deposit lower for inserting banknotes to be deposited, an amount display 8, an operation guide display 9, a keyboard 10, etc. There is.

The keyboard 10 includes a numeric keypad 11 for inputting a password or amount, an approval key 12, and a cancellation key 1.
3, a transaction designation key 14, etc.

The transaction designation key 14 is used to select and designate the desired transaction details, and is a combination of four keys that allows you to select and designate whether or not you bring your card or passbook, and whether you wish to make a deposit or a withdrawal transaction. Consists of keys.

That is, the card deposit key 14□ is pressed when depositing money with a card; the passbook deposit key 14° is pressed when depositing money with a bankbook; the card withdrawal key 143 is pressed when withdrawing money with a card;
It consists of a passbook withdrawal key 144 that is pressed when withdrawing money with a passbook.

Further, the operation guidance display 9 is for sequentially displaying guidance on various operation procedures, and at first (in the initial state), for example, as shown in FIG. 3, operation guidance for the transaction designation key 14 is displayed. It has become so.

As shown in FIG. 4, a card reading device 15 is provided in the housing 1 corresponding to the card insertion slot 3, and a card reading device 15 is provided in the housing 1 corresponding to the bankbook insertion slot 4. A passbook reading/printing device 16 is provided.

The card reading device 15 accepts a card inserted through the card insertion slot 3, reads magnetic information (account number, etc.) recorded on the card, and after the transaction is completed, ejects (returns) the card to the card insertion slot 3. ).

Further, the passbook reading/printing device 16 accepts a passbook inserted through the passbook insertion slot 4, reads and writes information to the magnetic stripe of the passbook, and prints a transaction record on the passbook, and also prevents the passbook from being inserted. At that time, a transaction certificate with a transaction record printed thereon is issued and the certificate is discharged (returned) into the bankbook insertion slot 4.

Further, as shown in FIG. 4, a deposit mechanism 17 is housed in the casing 1 corresponding to the return port 5 and the deposit lower.

The deposit mechanism 17 starts operation only when the account number, etc. is correctly read from the inserted card or passbook, and accepts banknotes inserted from the deposit lower. For example, it is configured as follows. .

That is, the deposit lower is provided with a lid 7a, and a banknote storage box 18 is provided below the lid 7a.

The lid 7a opens automatically when the account number, etc. is read correctly, and the storage box 18 is designed to store banknotes P□, which are inserted in a bundle by the user, in an upright position. ing.

Therefore, one banknote P1 is stored on the back side of the storage box 18.
A take-in rotor 19 is provided to take in the banknotes one by one, and when the lid 7a is closed by the user, the storage box 18 moves in the direction of arrow a in the figure and transports the banknotes P1 to the take-in position.

A suction element 21 connected to a vacuum pump 20 is provided on the outer peripheral surface of the intake rotor 19.
When the banknotes P□ in the storage box 18 are rotated in the direction indicated by the arrow in the figure, the banknotes P□ in the storage box 18 are vacuum-adsorbed one by one from the frontmost edge thereof, and the plurality of rollers 22. ...and endless belt 23. . . . into a conveyance path 24 formed by.

Note that the intake rotor 19 and roller 22. ... are driven by a motor 25 via an endless belt 26 that runs endlessly.

Further, a banknote detector 27 consisting of a light source and a plurality of light receiving elements is provided in the middle of the conveyance path 24,
This detector 27 optically detects the banknotes being conveyed, and uses the detection signal to determine the authenticity of the banknotes, determine the denomination, and count the number of banknotes.

The conveyance path 24 is branched into a main conveyance path 28 and a branch conveyance path 29 behind the detector 27, and this branch section is provided with a division gate 30 driven by, for example, a rotary solenoid. .

The sorting gate 30 guides the bill to the main conveyance path 28 where the control unit determines that the bill is genuine based on the signal output from the detector 27.
If the ticket is determined to be a fraudulent ticket or a duplicate ticket, the branch conveyance path 2
It works to lead to 9.

At the end of the main conveyance path 28, there is provided a temporary storage section 31 that temporarily accumulates and stores deposited banknotes P2 in a horizontal state, and stores the received banknotes P2 in other transactions. It is designed to be temporarily stored separately from the deposited bank note P3.

On the other hand, the terminal end of the branch conveyance path 29 is connected to the return port 5, so that banknotes determined to be fraudulent or duplicate notes are returned to the user.

As described above, when all the banknotes P1 in the storage box 18 are taken in and stored in the temporary storage section 31 or returned to the return slot 5, the banknotes P2 stored in the temporary storage section 31 are The total amount is displayed on the amount display 8.

Based on this display result, when the user presses the approval key 12,
The bottom plate 32 of the temporary storage section 31 retreats in the direction of arrow C in the figure,
The banknotes P2 in the temporary storage section 31 fall into the deposit box 33 and are stored together with banknotes P3 from other transactions.

- On the other hand, when the cancel key 13 is pressed, the temporary storage section 3
The side plate 34 of No. 1 rotates as shown by the two-dot chain line, and then the back-up plate 35 moves forward in the direction of the arrow d shown in the figure to move the banknotes P2 in the temporary storage section 31 into the bundle conveyance path 36 while keeping them in a bundle. lead to.

At this time, the moving speed of the backup plate 35 is set to be equal to or less than the conveying speed of the bundle conveying path 36, so that the banknotes P2 can be smoothly temporarily moved without being forced. The receiver is transferred from the storage section 31 to the bundle conveyance path 36.

Therefore, the bundle conveyance path 36 is partially connected to the branch conveyance path 2.
9, so that the bank note P2 from the temporary storage section 31 is returned to the return slot 5, and the deposit is cancelled.

Further, as shown in FIG. 5, a dispensing mechanism 37 is housed in the casing 1 corresponding to the dispensing port 6.

This withdrawal mechanism 37 starts operation only when the account number etc. are correctly read from the inserted card or passbook, and pays banknotes of the amount specified by the numeric keypad 11 of the keyboard 10 to the withdrawal port 6. For example, it is structured as follows.

That is, the magazine case 38 is located at a predetermined location within the housing 1.
This magazine case 38 consists of storage boxes 39, 39, . . . . Banknotes P4 of different denominations are stored in an upright position.

And the storage box 39. A take-out rotor 40 is provided in front of the storage boxes 39 . As the banknotes P4 stored in the storage box 39 are lifted and lowered one by one, the banknotes P4 are taken out one by one and sent into the conveyance path 41.
This conveyance path 41 leads to the withdrawal port 6.

Further, a banknote detector 42 consisting of a light source and a light receiving element is provided in the middle of the conveyance path 41, and this detector 42 optically detects banknotes being conveyed. The detection signal is used to determine the denomination of banknotes and count the number of banknotes.

In addition, 6a in the figure is a lid body that opens and closes the withdrawal port 6.

Furthermore, information from the above-mentioned card reading device 15, passbook reading/printing device 16, and keyboard 10 is sent to the control section, and the deposit mechanism 17 or the withdrawal mechanism 37 is controlled according to the operation of the transaction designation key 14. There is.

Next, the operation in the above configuration will be explained.

First, the operation guidance display 9 displays the guidance display shown in FIG. 3 and waits for the arrival of the user.

Then, the user inserts the card or passbook that he or she brings into the insertion slots 3 and 4, and the operation guide display 9
Select and operate the transaction designation key 14 according to the guidance display.

For example, if you bring only your bankbook with you and want to deposit money, insert your bankbook and then press the bankbook deposit key 14° within the transaction designation keys 14.

If the user only brings a card and wants to deposit money, the user inserts the card and then presses the card deposit key 141.

When the selection is designated in this way, the information is sent to the control unit together with the information read from the card reading device 15 or the passbook reading/printing device 16, whereby the deposit mechanism 17 is operated.

That is, first, the lid 7a of the deposit lower is opened, and the user inserts the bank note P1 to be deposited into the storage box 18 and closes the lid 7a, thereby moving the storage box 18 to the receiving position. Then, the banknotes P1 are taken in one by one by the take-in rotor 19.

If the ticket is genuine, it is sent to the temporary storage section 31, and if it is a fraudulent ticket or a duplicate ticket, it is returned to the return slot 5.

When all the banknotes P1 are taken in and the user presses the approval key 12, the banknotes P1 in the temporary storage section 31 are
2 is stored in the deposit box 33, a transaction record is printed on the bankbook or a transaction statement in its place, and the card or bankbook is returned to complete the transaction.

On the other hand, if you only have your passbook with you and want to withdraw money, insert your passbook and press the passbook withdrawal key 14. Press.

If the user only brings a card and wishes to withdraw money, the user inserts the card and then presses the card withdrawal key 143.

When the selection is made in this manner, the information is sent to the control unit together with the information read from the card or passbook, and the dispensing mechanism 37 is operated.

That is, when the user inputs a desired amount using the numeric keypad 11 in the keyboard 10, the take-out rotor 40 operates to take out banknotes corresponding to the above-mentioned amount from the storage box 39, and the banknotes are dispensed to the withdrawal port 6. .

When this is completed, the transaction record is printed on the bankbook or a transaction certificate in its place, the lid 6a of the withdrawal port 6 is opened, the card or bankbook is returned, and the transaction is completed.

As detailed above, according to this invention, even if the deposit mechanism and withdrawal mechanism are housed in the same housing, the user's transaction selection and whether or not they bring their card or passbook are determined by the combination of these four mechanisms.
By displaying the information with a single key, the user's operations are significantly reduced, allowing the user to use the machine with the minimum number of operations necessary.It also simultaneously indicates whether or not a card or passbook is being brought, and it also reduces waiting times due to user inexperience. can also be reduced, and 4
It is possible to provide a currency transaction device that can obtain various effects such as a reduction in cost because it can be represented by a single key.

Furthermore, since a new passbook is issued when the print margin runs out, if it is determined that the evidence is weak as a medium for payment requests, the withdrawal from a passbook can be as low as 10 karts per passbook.

That is, by having a customer who carries a card and also a bankbook insert the card together with the bankbook, printing of unrecorded information can be performed.

Even in this case, since the device can accurately instruct the next operating procedure without asking the customer to make a decision, it is possible to provide a currency transaction device with good operability and less confusion for the user.

[Brief explanation of the drawing]

The drawings show one embodiment of this invention; Fig. 1 is a perspective view of the entire device, Fig. 2 is a plan view showing the horizontal plane of the operating section,
FIG. 3 is a diagram showing an example of operation guidance by an operation guidance display, FIG. 4 is a side view showing the configuration of the deposit mechanism, and FIG. 5 is a side view schematically showing the configuration of the payment mechanism. 1... Housing, 3... Card insertion slot, 4
...Passbook insertion slot, 6...Withdrawal port, 7.
... Deposit port, 10 ... Keyboard, 14
...Transaction designation key, 15...Card reader, 16...Passbook reading and printing device, 17...
...deposit mechanism, 37...withdrawal mechanism.

Claims (1)

[Scope of utility model registration request] A card reading device that accepts a card submitted by a user and reads its information; a passbook reading/printing device that accepts a passbook submitted by a user and reads its information; and a bankbook reader and printer that accepts currency and determines its amount to perform a deposit transaction. A deposit mechanism, a withdrawal mechanism that withdraws a specified amount of currency, a transaction designation key that selects and specifies the transaction content, and the content specified by this transaction designation key based on the information read from the card or passbook. and a control unit that operates the deposit mechanism or the withdrawal mechanism, and the transaction designation keys are comprised of four keys: card deposit, passbook deposit, card withdrawal, and passbook withdrawal. Trading device.