JPS62286167A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To simplify transaction and to effectively transact a trouble thereafter by receiving a recording medium on which information relating to the payment of a public service charge or the like, performing the transaction based on the optically read information and storing the read information. CONSTITUTION:When a payment document P is inserted into a transaction medium inserting port 4, the insertion is detected by detectors 24, 25, a main control part 81 excites a solenoid 38 to open a main shutter 37 and fetch by a transaction medium processor 20. Thereby, when the document P is carried, the payment information such as a payment amount of money, an user code number is read by an optical reader. Thereby, after the main control part 81 decides the state capable of transacting, a payment transaction is executed through a customer reception part 2 while displaying a guidance on a display device. The picture information of the document P obtained by the optical reader and the reading result of the information required for the payment are stored in a picture information file 86.

Description

[Detailed Description of the Invention] 3. Detailed Description of the Invention [Object of the Invention] (Field of Industrial Application) The present invention is installed in a financial institution such as a bank, and has the function of payment transactions such as utility charges. Related to automatic transaction devices such as automatic teller machines.

(Prior art) In recent years, by accepting magnetic cards or magnetic passbooks that store account information submitted by users and communicating online with a host computer that serves as a deposit ledger, it has become possible to collect cash requested by users on their own. Automatic cash deposit trowels that automatically accept cash using a magnetic passbook that stores account information, and automatic cash deposit machines that combine both functions into one Akebono machine. Automated transaction devices such as withdrawal machines are rapidly developing as automated equipment at bank counters, and are being introduced at banks to provide speedy services to their users.

In addition, with the recent increase in economic activity, there has been an increase in transfer transactions such as loan repayments or tuition fee transfers using banks and other financial institutions, so cash can be accepted using the automatic transaction device mentioned above. , and took the received cash into Ike's bank account.

2. Description of the Related Art Devices have been developed and put into practical use that allow card transactions to transfer a predetermined amount of money from one's bank account to another bank account.

However, with this type of automated teller machine, payment such as taxes or utility charges must be made by bringing a payment slip issued by the billing party in advance, and receiving a receipt stamp on one piece of the payment slip as proof of payment (financial institution). From a side perspective, it had the disadvantage that it could not be used for storage operations.

(Problems to be Solved by the Invention) The present invention has been made to solve the above-mentioned problem of not being able to perform payment transactions, and allows users to perform payment transactions with simple operations. To provide an automatic transaction device that can handle problems at a later date without fail.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention accepts a recording medium in which information related to payment of utility charges, etc. is recorded, and optically extracts the information from the received recording medium. The system is configured to perform a payment transaction based on the read information and to store the image information read from the recording medium.

(Function) A payment transaction can be performed by a simple operation in which the user simply inserts a recording medium. Moreover, since the image information read from the recording medium is stored, it is possible to reliably deal with problems at a later date.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention.

That is, a customer service operation section 2 is formed on the front surface of the housing 1. On the vertical surface 3 of the customer service operation unit 2, there is a transaction medium insertion slot 4 into which a magnetic card, magnetic passbook, payment slip, etc., in which account information such as a PIN number and account number is stored, is inserted, and is currently being handled by the user. a transaction display 5 for displaying transactions such as deposits, payments, payments, etc., a transaction display 6 for displaying and guiding each transaction such as deposits, payments, payments, etc., a call button 7 for the user to call the staff, A coin input port 8 for depositing coins and a change discharge port 9 for discharging change coins to the user are provided. A deposit slot 011 is provided on the horizontal surface 10 of the customer service operation section 2, into which a large number of banknotes can be input at once, and where small and medium amounts of change can be received.This deposit slot 11 is provided with a door 12 that can be opened and closed. .

A slope 1 is provided between the vertical surface 3 and the horizontal surface 10 of the customer service operation section 2.
3 is formed, and on this slope 13 is provided a CRT display device 14 having a transparent touch panel (touch sensor) overlaid on a display screen. Display device 1
4. Displays operating procedures and other information on the screen in the form of illustrations, text, or text to guide the user, and also allows users to respond to requests such as PIN, amount, account number, approval, confirmation, or cancellation of transactions based on the display. When the display portion is pressed, the touch panel detects it and outputs a corresponding signal to the main I1jIl1 section, which will be described later, which is a so-called key operation. That is, as shown in FIG. 2, for example, the message ``Please specify transaction'' is displayed, as well as keys for instructing deposit, payment, inquiry, and payment. The contents and display change each time the machine operation or step status changes.

FIG. 3 shows a payment slip (in this example, a payment slip for telephone charges) P as a recording medium according to the present invention. On the payment slip P, the period covered by the charge, the payment deadline, the user's destination, the billed amount, the issuer code number, etc. are printed. Further, the payment slip P can be divided into, for example, three pieces, and the payment slip P can be divided into three pieces, and the receipt IP1.
Notice P2 to the issuer and copy P' at the opening of the collection finance
It consists of 3. Note that the payment slip P may be formed in various ways depending on the issuer, but the structure is generally similar to that described above. Further, the payment slip P is inserted in the direction of the arrow shown in the figure, and its width in the insertion direction is approximately the same as the width of the passbook.

4 and 5 show a transaction medium processing device 20, which accepts the magnetic card, passbook, and payment slip P inserted into the transaction medium insertion slot 4 in FIG. A slip (slip) used to print and issue transaction records for users who do not bring their bankbooks with them.
Receipts) R and -Journal paper J for printing transaction records and copying embossments on magnetic cards.
Built-in. This transaction medium processing device 20 has a housing 1
It is provided at a location corresponding to the transaction medium insertion slot 4 inside. That is, the transaction medium insertion port 4 is communicated with the front surface of the main body 21, and the transaction medium insertion port 4 is provided with a selection shutter 22. The selection shutter 22 is installed at a position where the user can visually see its open/closed state,
When inserting a passbook or payment slip P, the opening of the transaction medium insertion slot 4 is opened and widened, and when a magnetic card is inserted, the opening of the transaction medium insertion slot 4 is closed. The section is designed to be narrower. This results in
The user can clearly know where to insert a narrow magnetic card in comparison to the wide passbook or payment slip P slot, and align them with the transport path in the transaction media slot ff120. It becomes possible to insert it. Note that the selection shutter 22 is opened and closed by a solenoid 23.

Near the transaction medium insertion slot 4, that is, inside the selection shutter 22, detectors 24 and 25 are provided that optically detect insertion or removal of a magnetic card, passbook, or payment slip P. A detector 26 is provided for magnetically detecting the presence or absence of a magnetic stripe. Detector 2
4.25 is a well-known device consisting of a light emitting element and a light receiving element, and the detector 26 is constituted by a magnetic head or the like.

The conveyance path 2 extends from the detectors 24 and 25 toward the rear of the main body 21.
7 is provided in a substantially horizontal state. The conveyance path 27 includes drive rollers 28 . ..., these drive rollers 28.
Pinch rollers 29. ... and a guide bottom plate 30, etc., and is driven by a pulse motor via a belt (not shown). The conveyance path 27 has a width of 1 corresponding to the width of the passbook and the payment slip P.
Side plates 31 and 32 are provided at positions li2, and a movable side plate 33 is provided at a position from the side plate 31 that corresponds to the width of the magnetic card.

As a result, the side plates 31 and 32 allow the passbook and payment slip P
The transport position of the magnetic card is regulated by the card transport path 34 formed by the side plate 31 and the movable side plate 33. Note that 35 is a solenoid that drives the movable side plate 33, and 36 is a support arm to which the movable side plate 33 is fixed. As a result, when the solenoid 35 is energized, the mounting arm (not shown) moves downward, and the movable side plate 33 is retracted below the bottom plate 30 (when transporting the passbook or payment slip P). solenoid 35
When the magnetic card is deenergized, the mounting arm (not shown) moves upward, and the movable side plate 33 becomes in a state of protruding above the bottom plate 30 (during conveyance of the magnetic card). Therefore, when transporting the passbook or payment slip P, the transport path 27 is connected to the passbook or payment slip P.
When transporting a magnetic card, the transport path 27 becomes a card transport path 34 having the same width as the width of the magnetic card to transport the magnetic card. be able to.

At the starting end of the conveyance path 27, a main shutter 37 is provided which opens and closes according to the detection results of the detectors 24 and 25, and this main shutter 37 is driven to open and close by a solenoid 38.

That is, when the insertion of a magnetic card, passbook, or payment slip P is detected, the solenoid 38 is energized to open the main shutter 37. Behind the main shutter 37, three magnetic heads for bankbooks and a magnetic head 40 for magnetic cards are sequentially provided. The three magnetic heads read or record information on the magnetic stripe of the accepted passbook. raqi head 40
The device reads or records information on the magnetic stripe of the accepted magnetic card. Pressing rollers 11 and 41 are provided at opposing portions of each magnetic head 39 and 40 to bring the corresponding magnetic stripes into contact with each other with a predetermined pressure.

An optical reader 42 is provided in the middle of the conveyance path 27 to read the date column of the passbook to detect the presence or absence of printing, detect the presence or absence of page marks, and further read the payment information on the payment slip P. . The optical reader 42 is, for example, a CC
It is composed of a D-type image sensor 43, a lens 44 that reduces information on an object to be read and forms an image on the light-receiving surface of the image sensor 43, and a character recognition section 45 that recognizes information based on the output signal of the image sensor 43. The image sensor 43 is, for example, a self-scanning surface array formed by arranging a large number of solid-state wi image elements on a plane. In addition, this optical reader 81i42 stores in advance the characteristics of multiple types of payment slip formats (for example, the position and content of information to be read for each type of payment slip, the position where a receipt stamp should be affixed, etc.), and When the type of payment slip P is specified, the corresponding payment slip format is selected, and the payment information on the payment slip P is read using its characteristics. Here, FIG. 6 shows an example of the format and reading position of the payment slip P, and the diagonally shaded part in the figure shows the reading position. Note that FIG. 6(a) shows a telephone bill payment slip, FIG. 6(b) shows a gas bill payment slip, and FIG. 6(C) shows a tax payment slip.

A turn page mechanism 46 that automatically turns over the pages of the passbook is provided in front of the optical reader 42 on the conveyance path 27. The turn page mechanism 46 includes a passbook back-up plate 47 that pushes up the passbook, and performs auto-turn page by rotating in the direction of arrow a in FIG. 5, and performs auto-turn page in the opposite direction by rotating in the direction of arrow It is constituted by a turning row 548. A receipt issuing mechanism 49 for issuing receipts R is provided below the turn page mechanism 46. For example, receipts R are subjected to a constant pressure by a pressure Rv 450, and are taken out one by one by a take-out roller 51 to be sent to a conveyance path. 27.

A print opening 52 is provided in front of the turn page 81146 on the conveyance path 27. The printing mechanism 52 prints predetermined information on bankbook or journal paper sheets R, and includes a wire dot type print head 53, which moves in a direction perpendicular to the punching direction of the conveyance path 27. a carriage 54, a slide rod 55 that guides the carriage 54, and a stand 56 as a platen.
It is composed of etc. Printing structure 5 of conveyance path 27
An embossing table 57 is provided in front of the printer 2. The embossing stand 57 rotates around a rotating shaft 58 when a magnetic card is placed thereon.
By rotating 90 degrees using the journal paper J as a fulcrum, it enters the lower side (embossed part 59) of the journal paper J, and at this time, the embossing roller 60 provided on the upper side of the journal paper J moves along the roller movement path 61. According to
The embossing on the magnetic card is transferred onto the journal paper J. When the embossing stand 57 is in a card standby state, a card position detector 62 detects that a magnetic card is placed and stops conveyance of the magnetic card. The card position detector 62 is a well-known device consisting of a light emitting element and a light receiving element. A journal faJ corresponds to the upper part of the stand 56 and the embossing part 59 (the embossing stand 57 during embossing). The journal paper J is wound and held on a delivery shaft 63, and is wound onto a take-up shaft 64 via a table 56 and five embossed portions.

A cutter device 65 is provided in front of the embossing stand 57 on the conveyance path 27 to cut the conveyed payment slip P into predetermined dimensions. The cutter device 65 is, for example, a so-called rotary cutter that cuts the payment slip P between it and the other fixed blade 68 by rotating a roller 67 having a gap 66 through which the payment slip P passes. .

In front of the cutter device 65 on the conveyance path 27, a stamp device 69 is provided that stamps a receipt stamp as evidence of payment on a predetermined part of the conveyed payment slip P. In the stamp device 6, a stamp head 70 is attached to a vertically movable body 72 via a compression spring 71, and this vertically movable body 72 is attached to a horizontal movable body 73 so as to be vertically movable. The horizontal moving body 73 is guided by a slide rod 74 and is movable in a direction perpendicular to the conveyance direction of the conveyance path 27 .

This allows the receipt stamp to be stamped at any position on the payment slip P. Note that when stamping, the vertical moving body 72 is moved downward by the required amount, and
A compression spring 71 applies pressure to obtain a clear seal impression.

Further, the stamp head 7o is capable of stamping a receipt stamp with the contents as shown in FIG. 7, for example, and in particular, the date can be changed.

At the end of the conveyance path 27, there is a collection warehouse 7 for collecting the conveyed passbooks, payment slips P, and magnetic cards through a gate 75.
6 is provided. The gate 75 is driven by a solenoid 77, and when collecting a passbook or payment slip P, etc., the gate 75 is energized to move upward (the fifth gate).
It is designed to rotate to the position shown by the solid line in the figure).

On the other hand, inside the housing 1, as shown in FIG.
The banknote deposit/withdrawal unit 82 accepts banknotes inserted into the coin slot 1 and dispenses a specified amount of banknotes into the deposit slot 11, accepts coins inserted into the coin slot 8, and dispenses coins of a designated amount as change. Coin deposit/withdrawal section 83 for dispensing coins to the dispenser 9, an attendant operation section 84 for use by an attendant, a total memory 85 that stores cumulative information for each type regarding all transactions, and an optical reader 4.
An image information file 86 for sequentially storing the image information of the payment slip P read in step 2, and a transmission control section 87 for controlling data transmission between the main control section 81 and a host computer (center) not shown are provided. Further, the main control section 81 is connected to the customer service operation section 2 and a remote monitor section 88 for an attendant provided outside.

Next, the bankbook processing operation will be explained with reference to FIGS. 4 and 5. When accepting a passbook, the main control section 81 excites the solenoid 23 to open the selection shutter 22. At this time, the soil control unit 81 is energizing the solenoid 35, and the movable side plate 33 is retracted below the bottom plate 30 due to this excitation force. As a result, the conveyance path 27 is connected to the side plate 31.
, 32 is formed. When the user inserts the passbook into the transaction medium insertion slot 4 with a predetermined page open, the insertion is detected by darkening the detectors 24 and 25, and the main control unit 81 activates the solenoid 38. is excited to open the main shutter 37. Then, the inserted passbook is moved to the drive roller 28. ... and two pinch rollers, and are taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe is read by the magnetic head 39 while the loaded passbook is being conveyed. Next, the optical reader M4.2 detects the presence or absence of printing in the date field of the passbook and the page mark. By detecting the presence or absence of printing, the line to be printed is determined, the bankbook is conveyed to the printing position of the printing pad 52, and predetermined information is printed by the printing head 53.

Next, the processing operation of the payment slip P will be explained with reference to FIGS. 4 and 5. When accepting the payment slip P, the main control unit 8
1 excites the solenoid 35 and opens the selection shutter 22. At this time, the main control section 81 is energizing the solenoid 35, and the movable side plate 33 is retracted below the bottom plate 30 due to this excitation force. As a result, the conveyance path 27 has a width defined by the side plates 31 and 32. When the payment slip P is inserted into the transaction medium insertion slot 4 by the user, the insertion is detected by darkening the detectors 24 and 25, and the main control unit 81 activates the solenoid 38.
ft and open the main shutter 37.

Then, the inserted payment slip P is transferred to the drive roller 28,
...and pinch roller 29. ... and taken into the transaction medium processing device 20. As a result, the captured payment slip P is conveyed to the optical reader 4.
2, payment information such as the payment amount (billing amount) and user code number is read. Then, the main control section 81
is the result of recognizing only the information necessary for payment by the optical reader 42 and the image sensor 4 of the optical reader 42.
The image information P' (the image of the entire surface of the payment slip P) obtained in step 3 is simultaneously displayed on the display device 14 as shown in FIG. The payment slip P read by the optical reader 42 is sent to the drive roller 28. ...
and pinch roller 29. ..., and after a receipt stamp is stamped at a predetermined position by the stamping device 69, the receipt part (Pl) for the user is cut by the cutter device 65,
The receipt part is ejected to the transaction medium insertion slot 4, and the part to be kept by the financial institution (P2, P3)
is collected into collected money 11176 by gate 75.

Next, the processing operation of the magnetic card will be explained with reference to FIGS. 4 and 5. When accepting a magnetic card, the selection shutter 22 is in a closed state.

At this time, since the main control section 81 is not exciting the solenoid 35, the movable side plate 33 is in a state of protruding from the bottom plate 30. As a result, the transport path 27 forms a card transport path 34 having a width defined by the movable side plate 33 and the side plate 31. When a magnetic card is inserted into the transaction medium insertion slot 4 by the user, the insertion darkens only the detector 25 and is detected by detecting the magnetic stripe with the detector 26, and the main control unit 81 excites the solenoid 38 to open the main shutter 37. Then, the inserted magnetic card is moved by the drive rollers 28, . . . and the pinch rollers 29, . ... and taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe of the magnetic card taken in is read by the magnetic head 40 while being conveyed. The magnetic card from which the account information has been read is further conveyed to an embossing stand 57, where it is once stopped. That is, the magnetic card is conveyed until the leading edge of the magnetic card reaches the card position detector 62, and when the leading edge of the magnetic card is detected by the card position detector 62, it is stopped. After this stop, the main controller 81 rotates the rotary shaft 58 to rotate the embossing table 57 by 90 degrees around the rotary shaft 58, so that the magnetic card on the embossing table 57 is placed on the bottom side of the journal paper J. Control it to get in. The journal paper J is impregnated with pressure-sensitive coloring ink, and an embossing roller 60 moves the roller movement path 61 over the journal paper J above the magnetic card.
By moving along and applying pressure, the embossment of the magnetic card can be copied onto the journal paper J.

As described above, the magnetic card is accepted, the account information is read from the magnetic stripe, and the emboss is copied. When returning a magnetic card, the embossing table 57 rotates 90 degrees in the opposite direction (clockwise) with the magnetic card placed thereon, contrary to the previous operation, and the magnetic card is placed on the card transport path 34. Get out.

Thereafter, the magnetic card is conveyed in the direction of the transaction medium insertion slot 4 and left, or conversely conveyed in the receiving direction and collected in the collection warehouse 76.

Next, the payment operation in the above configuration will be explained with reference to the flowchart shown in FIG. 11. For example, now a user stands in front of this transaction device. At this time,
As shown in FIG. 2, the display device 14 displays the message "Please specify transaction" and also displays selection keys for "deposit, payment, balance inquiry, and payment." Following this guidance, the user presses the part labeled "Payment."

As a result, the main control unit 81 determines to proceed to the next processing step, and causes the display device 14 to display "Please insert your card. If paying cash, please press the cash key" and selects "Cash". Display the key (S
l). Next, the customer inserts the magnetic card into the transaction medium insertion slot 4 according to the instructions and brings the magnetic card of the account from which the paid amount is to be withdrawn. If you do not bring a magnetic card, press the area labeled "cash" to pay in cash (S2). Thereby, the main control unit 81 determines whether the magnetic card is inserted (S3) and reads the account information on the magnetic card (S4). That is, the magnetic card is taken into the transaction medium processing device 2o, and account information such as a password and account number recorded on the magnetic stripe is read by the magnetic head 40 (S4). This read account information is checked by the main control unit 81, and if it is determined that the magnetic card is incorrect (S5), the main control unit 81 performs error processing (S6). As a result of the above check, if it is determined that the magnetic card is correct (85), the main control unit 8
1 causes the display device 14 to display ``Press your PIN number'' as well as a numeric keypad and a correction key (S7). Next, the user inputs his/her password by pressing the area where the numeric keypad is displayed according to the instructions (S8). By inputting this PIN, the main control unit 81 checks whether the PIN read from the magnetic card matches the input PIN 89)
, if they do not match, perform password re-input processing (510)
.

If the PIN numbers match as a result of the verification in step S9, or if it is determined that the cash key has been pressed in step S3, the main control unit 81 displays lNi1 as shown in FIG.
At step 4, the message "Please specify the type of payment" is displayed, and a key for selecting the type of payment that can be handled is displayed (811). If the user, for example, presses the part that says "telephone charges" according to this guide (S 1
2), Main 11i11wJl181 Haa1 episode Fl (
7) Select and set the reading logic of the optical reader 42 according to the payment WI method (513), and display "Please insert payment slip" on the display device 14 (514).

When the user inserts the payment slip P prepared into the transaction medium insertion slot 4 according to this guide (S15), the main control unit 8
1 determines this (516) and reads the payment information from the payment slip P (S17). That is, the inserted payment slip P is taken into the transaction medium processing device 20, and the optical reading device 42 reads the payment amount, according to the logic of the reading range and reading content according to the type of payment slip stored in advance.
Payment information such as user code number is read (317
). Then, the main controller 81 controls the display device 1 as shown in FIG.
4, the image information P' as obtained by the image sensor 43 and the read result of the information necessary for payment are displayed simultaneously, and the message "Please enter the payment details" is displayed at the same time, and the confirmation key and A cancellation key is displayed (818).

Following this guidance, the user presses the part labeled Confirm Key or Cancel Key (319). here,
When the main control unit 81 determines that the cancel key has been pressed (820
), the main control unit 81 discharges the accepted payment slip P to the transaction medium entry port 4, returns it to the user, and returns to the initial state (S21
). When the main control unit 81 determines that the confirmation key has been pressed (S
20), the main control unit 81 stamps the received payment slip P with the stamp device 6
After waiting in the vicinity of 9 (822>, the process advances to step S23).

In step S23, it is determined whether a magnetic card is to be used. As a result of this determination, if it is determined that the magnetic card is not to be used, the main control unit 81 causes the display device 14 to display the message "Please insert banknotes and coins into their respective slots" (
S24). Following this guidance, the user inserts banknotes into the deposit 011 and coins into the coin slot 8. Then, one banknote is accepted by the banknote deposit/withdrawal unit 82, and the coin is accepted by the coin deposit/withdrawal unit 83 (S25>,
When the acceptance of banknotes and coins is completed, the main control unit 81 causes the display device 14 to display the message "Please confirm the deposited amount", as well as display the deposited amount, a cancellation key, and a confirmation key (826). Following this guidance, the user presses the confirmation key (S27>). When the main control unit 81 determines that the confirmation key has been pressed, the process advances to step S28.

If it is determined in step S23 that a magnetic card is to be used, the main controller 81 displays a message on the display device 14 saying, ``Please insert your bankbook.''
If you don't have it, please press "Forgot Passbook" and a "Forget Passbook" key is displayed (829). Following this guide, the user inserts the passbook into the transaction media slot 4.
or press the forget passbook key (S30). If insertion of the passbook is interrupted by ≠1 (S31), the main control unit 81
accepts the passbook into the transaction medium processing device 20 (S32) and proceeds to step 828. If it is determined in step S31 that the bankbook forgotten key has been pressed, the process advances to step S28.

In step 828, the display device 14 displays "Currently processing the computer. Please wait for a while." Then, if center communication is necessary, the main control unit 81 transmits and receives a payment message, and prints the result on the journal paper J using the printing mechanism 52 (S33). Further, the image information of the payment slip P obtained from the image sensor 43 of the optical reader 42 is stored in the image information file 86 together with the reading result of information necessary for payment (S34
). When the storage of this image information is completed, the main control unit 81 determines whether there is change (S35). Main control section 81
When the main control unit 81 determines that there is change, the main control unit 81 displays the display W.
At step 114, the message "Please receive banknotes and coins from their respective receiving slots" is displayed, and the amount of change is displayed (S36). At this time, the main control section 81 operates the bill depositing and dispensing section 82 to discharge change banknotes to the deposit 011, and operates the coin dispensing section 83 to discharge change coins to the change discharging port 8 (S37).

By releasing this change, the user receives the change (838)
. When the receipt of change is completed, or when the main control unit 81 determines that there is no change in step S35, the main control unit 81 causes the display device 14 to display "Please take your passbook or receipt" (839). , the bankbook or receipt R is ejected from the transaction medium insertion slot 4 (840). As a result, the user receives the passbook or receipt R (S41). Once this reception is complete,
The main control unit 81 determines whether or not to use a magnetic card 54
2) If it is determined that a magnetic card is not used, the payment slip P is sent to the stamping device 69, and a receipt stamp is stamped at a predetermined position on the payment slip P, which is stored in advance according to the type of payment slip ( 343). When this stamping is completed, the main control unit 81 sends the payment slip P to the cutter device 65 to cut off the receipt side piece (Pl) (344) and eject the receipt piece to the transaction medium insertion slot 4. With,
The other is collected in the collection warehouse 76 (545), and the user receives the receipt (846), thereby completing the payment process. If it is determined in step S42 that a magnetic card is to be used,
The main control unit 81 causes the display device 14 to display "Please receive the card" (S47), and causes the '1-ki card to be ejected into the transaction medium insertion slot 4 (848). As a result, the user receives the ejected magnetic card (849
), and then steps 343 to 846 similar to those described above are executed to complete the payment process.

According to the automated teller machine as described above, it accepts a payment slip prepared by a user, optically reads payment information such as the payment amount and user code from the accepted payment slip, and based on this read information, Since the payment transaction is now executed by the user, it is possible to significantly simplify the operations performed by the user, thereby shortening the operation time and improving the operating rate of the automatic transaction device. becomes.

In addition, a receipt stamp is automatically stamped on the payment slip, and a piece of the receipt side is automatically cut and discharged, resulting in a large labor-saving effect. Furthermore, since the image of the payment slip is stored together with the recognition result of the information necessary for payment, it is possible to reliably deal with troubles at a later date.

In the above embodiment, the receipt stamp is stamped on the payment slip, but the receipt stamp may be printed instead of the stamp, or the payment slip may be printed in a predetermined format instead of the receipt stamp. You can do it like this.

In this case, since the printing means is already built-in for other purposes, the stamping device can be omitted.

In addition, we made it possible to select the type of payment slip, but the payment slip itself was given an easy-to-identify mark in advance.
The type may be determined by reading the mark with an optical reader or the like.

[Effects of the Invention] As described above, according to the present invention, an automatic transaction device is provided which allows a user to perform a payment transaction with simple operations, and which can also reliably deal with troubles at a later date. Can be provided.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention, and FIG. 1 is a perspective view of the overall appearance, FIG. 2 is a diagram showing an example of display on a display device, and FIG.
The figure shows an example of the configuration of a payment slip, Figures 4 and 5 are diagrams for explaining the configuration of a transaction medium processing device, and Figure 6 is a diagram for explaining an example of the format and reading position of a payment slip. Figure 7
The figure shows an example of a receipt stamp by a stamping device, FIG. 8 is a block diagram for explaining the overall configuration, FIGS. 9 and 10 show examples of display on a display device, and FIG. 11 shows a payment stamp. It is a flowchart for explaining operation. P...Payment slip (recording medium), 2...Customer service operation section, 4...Transaction media insertion slot, 11...
...Deposit port, 14...Display device, 27...
... Conveyance path, 39, 40 ... Magnetic head, 4
2...Optical reading device, 52...Printing structure, 65...Cutter device, 69...
Stamping device, 81... Main control unit, 82...
・Banknote withdrawal department, 83... Coin deposit and withdrawal department, 86
・・・・・・Image information file. Applicant's representative Patent attorney Takehiko Suzue Figure 2 (a) (b) Chiku 6 M (C) Figure 6 Figure 7 Figure 9 Figure 11 Figure 11 (d) Figure 11 (e) Figure 11

Claims (2)

[Claims] (1) A receiving means for receiving a recording medium on which information related to payment of public utility charges, etc. is recorded; A reading means for optically reading and recognizing the information from the recording medium received by the receiving means; Reading by the reading means; An automatic transaction device comprising: a transaction means for executing a payment transaction based on the information obtained; and a storage means for storing the image information read by the reading means. (2) The automatic transaction device according to claim 1, wherein the recording medium is a payment slip for utility charges or the like.