JPS61226891A - Check acounting unit - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to a check depositing device for accepting checks, which is used in an automatic transaction system.

[Technical Background of the Invention] In Japan, automatic transaction devices that can directly deposit banknotes are generally widely used, but they are hardly used in foreign countries such as the United States and Europe. The reason for this is that in Western countries, checks are more widely distributed than cash such as banknotes. Checks can also be transacted via automated teller machines; in this case, the check is placed in an envelope, and this envelope is inserted into the automated teller machine. At this time, the transactor's card is also inserted through the card insertion slot of the automatic transaction device. The automated teller machine prints the transaction number read from the transaction card onto a check envelope, and sends the check envelope to a repository. The check envelopes in the storage room will be taken out later and subjected to post-processing. In this post-processing, the transactor is identified from the transaction number printed on the envelope, and the amount of the check confirmed by opening the envelope is transferred.The conventional automated teller machine mentioned above cannot process checks online, so there is a lot of work involved in post-processing. There is a problem with this.

[Object of the Invention] An object of the invention is to provide a check depositing device that facilitates check transactions.

[Summary of the Invention] According to the present invention, there is provided a check acceptance unit that accepts a check with a unique number printed on it, reads and stores the unique number, and receives a card or passbook with an account number recorded thereon, and reads and stores the account number. and a printing means that prints at least the unique number of the check accepted by the check acceptance unit and the account number of the card or passbook on paper and issues this printed paper to the user. Equipment is provided.

[Embodiments of the Invention] FIG. 1 shows an automatic transaction system, which is composed of an automatic transaction device 11, a back-processing device 12, and a center computer 13. The automatic transaction device 11 includes
Card (or passbook) entrance/exit 14, slip exit 15, withdrawal exit 16, deposit media acceptance opening (check or banknote insertion slot) 1
7, a CRT display 18 and a keyboard 19 are provided. A card (or passbook) entrance/exit 14 is used to insert or return a cash card (or passbook). A transaction slip is sent out from the slip exit 15. Bills are dispensed from the dispensing port 16.

The check insertion slot 17 has a slit-shaped opening into which a check can be inserted.

The back processing device 12 has a keyboard 20 for inputting necessary information such as the amount of the check, and a storage box 21 for storing the check.

The automatic transaction device 11 and the back processing device 12 are connected to a center computer 13. Center computer 13
is provided with a central processing unit 25 as shown in FIG.
Connected to 0.31. Memories 27 and 28 that store data of ledger A and ledger B, respectively, are connected to the input/output control unit 26. Ledger A is a balance file for each account number, and ledger B is a file that includes at least deposit account numbers and deposit account tier numbers for each check number.

Transmission control unit 30 of automatic transaction device 11. The depositing section 32, the dispensing section 33, the card reader 34, the keyboard 19, the printer 35, and the display 18 are connected to the main control section 36 via a pass line. The main control unit 3 is also connected to the rear processing device 12.
7 is provided, and this main control section 37 is connected to the transmission control section 31, the check reading section 38, and the keyboard 20.

FIG. 3 schematically shows the internal structure of the automatic transaction device 11. According to this, a deposit medium detector 40 is provided behind the check insertion slot 17 to detect entry of a deposit medium such as a check. A shutter unit 41 is disposed immediately after this detector 40. The shutter unit 41 includes a shutter 41a that closes the deposit medium entrance path 17a as necessary, and a solenoid 41b that opens and closes the shutter 41a. A plurality of roller pairs 43, 44 and 45 as an upper conveyance section are arranged along the deposit medium transport path 43 corresponding to the deposit medium entrance path 17a. These roller pairs 4
3 to 45 are rotated forward and reverse by a reversible motor 46. .

A check inspection unit (check detection section) 47 of the deposit section 32 is provided between the roller pair 43 and 44. A banknote inspection unit (banknote detection unit) is provided between the roller pair 44 and 45.
48 and a printing unit 49 are sequentially arranged.

The check inspection unit 47 is constituted by a known magnetic inked character reader (MICR) that reads a unique number printed with magnetic ink on the surface of the check. The banknote inspection unit 48 is constituted by a known banknote discriminating device that detects the size, printing, etc. of a banknote and determines the authenticity, denomination, etc. of the banknote.

A presser arm belt 50 is disposed on the discharge side of the roller pair 45. This presser arm belt 50 is rotatably attached to a shaft 51, and includes a crank 52 rotated by a motor and a crankshaft 53 coupled to the crank.
It is rotated in the direction of the arrow by a crank mechanism constructed by.

The lower conveyor section provided below the upper conveyor section is constituted by two conveyor belts 53, 54 arranged oppositely.

These conveyor belts 53, 54 are driven by a motor 55. The lower conveyor belt 54 is configured to be shorter than the upper conveyor belt 53, and a temporary pool portion 56 is formed between the rear portion of the lower conveyor belt 54 and the presser arm belt 50.

Checks (and banknotes) sent from the upper conveyance section are temporarily held in this temporary pool section 56. Checks in the pool section 56 are sent to a storage 57 or a return slot 58 depending on the conveyance direction of the arm belt 50.

Next, the operation of the automated trading system having the above configuration will be explained with reference to the flowchart shown in FIG. The automatic transaction is performed by the automatic transaction device 11, and the automatic transaction device 11 is operated according to guidance displayed on the display 18. First, when a cash card is inserted into the card slot 17, the card reader 34 reads the account number and password from the cash card. card reader 3
The read information No. 4 is sent to the main control unit 36 and stored therein. Next, when a password is input via the keyboard 19, the keyed-in password is compared with the card's password. If the two PIN numbers do not match, the card will be returned.

If both PIN numbers match, you will be prompted to select the transaction details.

At this time, if deposit is selected, the deposit flow will be executed,
When withdrawal is selected, the withdrawal flow is executed.

When a deposit flow is selected, a guidance screen will appear asking if you want to deposit money into another account. If the deposit is to be made to another account, YES is keyed in, and if the deposit is to be made to the user's own account, No is keyed in.

If you key in YES, you will be prompted by guidance to enter another account number. In the case of No, it is automatically designated to deposit the money into the account read from the cash card. When the user's account or other account is designated, guidance is given to insert a check. When a check is inserted into the check insertion slot 17 according to the guidance, this is detected by the check detector 40. When the shutter solenoid 41b is energized in response to the detection output of the detector 40, the shutter 41a opens, allowing the check to enter. At this time, the motor 46 rotates, and the roller pair 43
．． 44.45 rotates forward. Therefore, the check that has passed through the approach path 17a is taken into the check inspection unit 47 along the conveyance path 42 by the roller pair 43. When the check enters deeper than the shutter 41a, the shutter solenoid 41b is deenergized and the shutter 41a is closed.

This prevents the next check from entering.

The check inspection unit 47 reads the check unique number 61 of the check shown in FIG. 5 using a magnetic head.

This check has a deposit account number printing field 62 and a deposit account number printing number IIM! 163 are provided. The amount is entered by hand in the amount entry column 64. Field 65 is filled with the check issuer's signature.

The read unique check number information is checked by the main control unit 36 for check digits. When it is determined that a check has been inserted based on the result of this check digit inspection, the inserted deposit medium is conveyed to the printing unit 49 by the roller 44. This printing unit 49 prints the deposit account number read from the card and the deposit account serial number keyed in in the print area of the check, and these account numbers are displayed on the display 18. At this time, when acceptance of the check is recognized, for example, when printing on the check is started, the shutter 41a that has been regulating the entry of the check
The shutter solenoid 41b is energized to open the
Allows acceptance of the following deposit media:

The printed check is transferred to a temporary pool section 5 by a pair of rollers 45.
6 will be sent. If the check digit of the check unique number read by the check inspection unit 47 is incorrect, the motor 46 is reversed and the check is returned to the insertion slot 17. If the number cannot be read by the check inspection unit 47, since the deposit medium is other than a check, the deposit medium is sent to the banknote inspection unit 48 by the pair of rollers 44. If the deposit medium is a banknote, the banknote inspection unit 48
The authenticity and denomination of the banknote are determined from the banknote's size and printing information. If it is determined by this determination that the bill is not valid, the motor 46 is reversed and the medium is returned to the insertion slot 17.

If the bill is a genuine bill, the bill is sent to the temporary pool section 56,
The bill amount is displayed on the display 18.

As described above, checks (and banknotes) are sequentially inserted and inspected, and account number information, amount information, etc. are processed by the main control section. When the confirmation button is pressed when all checks (and banknotes) have been inserted and processed into the deposit unit 32 and the display on the display 18 has been confirmed, the processing information stored in the main control unit 36, i.e., account number, amount, etc. The information transmission request signal is sent to the center computer 13 via the transmission control section 30.
sent to. When the center computer 13 transmits a transmission permission signal to the automatic transaction device 11, the automatic transaction device 11 transmits the information in response to this signal. At this time, in the automatic transaction device 11, the printer 35 prints the deposit account number, deposit optical account number, cash amount, and check number on a transaction statement slip (receipt) as shown in FIG.

This transaction statement slip is issued to the user from the slip exit 15. At this time, the card is also returned from the card entrance/exit 14.

In the center computer 13, the received information is transferred to memories 27 and 28 depending on the information content. That is, the cash information is stored in the memory 27 of ledger A. In this case, as shown in FIG. 7, the cash amount, for example $100, is added to the memory address corresponding to the account number "'100-12347", the balance is updated, and "10" is added to the same address.
The check information is stored in the memory 28 corresponding to ledger A.

In this case, the check number, deposit account number, and deposit optical account number are stored as shown in FIG. Automatic trading device @11
When all of the information has been transmitted, the crank 52 is rotated,
The arm crank 49 descends in the direction of the arrow and overlaps the checks (and banknotes) in the temporary pool section 56. When the motor 55 rotates normally in this state, the checks (and banknotes) in the pool section 56 are conveyed to the storage 57. In contrast, checks (
When the cancel button is pressed when processing of checks (and banknotes) is completed, the motor 55 is rotated in the reverse direction with the arm belt 49 overlapping the checks (and banknotes), and the pool section 5
The checks (and banknotes) No. 6 are sent to the return slot 58 by conveyor belts 53 and 54.

The checks (and banknotes) stored in the storage 57 are taken out from the storage 57 at an appropriate time, and the checks are transferred to the back processing device 1.
Can be multiplied by 2. In this case, the authenticity of the checks is first visually confirmed one by one, and then the checks are stored in the box 21. The checks are sent one by one from this box 21 to a check reading section 38. The check reading section 38 reads the check number of the check. At this time, the amount of the check is visually read and keyed in from the keyboard 20. The check number and amount are temporarily stored in the main control section 37, but once all checks have been processed, the check number and amount information is sent to the center computer 13 via the transmission control section 31. In the center computer 13, the received check number is retrieved from the ledger B in the memory 28, and the deposit account number and deposit optical account number corresponding to this check number are successively output. Memory A is accessed based on the successively issued account number, and the check amount is added to the balance of that account. That is, the balance is updated. When the balance is updated, the information in ledger B corresponding to the account number whose balance has been updated is cleared.

In the above embodiment, the face value of the check is visually read, but an OCR device may be incorporated to automatically read the face value.

[Effects of the Invention] With this invention, checks can be deposited directly, and the operation that conventionally required a user to fill in the necessary information on the surface of an envelope, place the check inside the envelope, seal it, and then insert it into a transaction device is no longer necessary. can be simplified, and payment data can also be sent online.

In addition, not only checks but also banknotes can be accepted through the same receiving slot, and the post-processing of checks can be done simply by keying in the amount since the necessary information is stored in the center in advance, increasing efficiency and convenience. We can provide a rich trading system.

Furthermore, since the unique number of the accepted check can be printed on the receipt and issued, it is easy for the user to understand, and even if a problem occurs later, it will serve as evidence and will be effective in resolving the problem.

[Brief Description of the Drawings] Fig. 1 is a perspective view of an automatic transaction system to which a check depositing device according to an embodiment of the present invention is applied, Fig. 2 is a block circuit diagram of the automatic transaction system of Fig. 1, and Fig. 3 4 is a flowchart for explaining the operation of the deposit processing system, FIG. 5 is a front view of a check, FIG. 6 is a cross-sectional view of a transaction slip, and FIG. 7 is a schematic diagram of the deposit section. and FIG. 8 are diagrams showing ledger A and ledger B, respectively. 11... Automatic transaction device, 12... Back processing device, 1
3... Center computer, 14... Card slot, 17... Bill/check insertion slot, 27... Memory ledger A>, 2B... Memory (ledger B), 41a...
Shutter, 41b...Shutter solenoid, 42...
- Conveyance path, 47... Check inspection unit, 48...
Banknote inspection unit, 49...printing unit. Applicant's representative Patent attorney Takehiko Suzue 1 Figure 6 Figure 7 Figure 8

Claims (1)

[Claims] (1) A check accepting means that accepts a check with a unique number printed on it, reads and stores the unique number, a medium reading means that accepts a medium on which an account number is recorded, reads and stores the account number, and the check acceptor. A check depositing device comprising a printing means for printing at least the unique number of the check accepted by the means and the account number of the medium on a paper, and issuing the printed paper to a user.