JPS62287367A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To realize an efficient operation and labor saving of, for instance, a public charge financial agency, etc., by constituting the titled device so that plural kinds of slips of different recording formats can be received, and necessary information which is recorded in a different position at every format can be read. CONSTITUTION:A transaction medium insertion port 4 is made to communicate with the front of a body 21, and also, a selecting shutter 22 is provided on the transaction medium insertion port 4. The selecting shutter 22 is installed to a position where a user can observe visually its opening/closing state, and constituted so that it becomes an open state in case of inserting a bankbook or a payment slip P and widens an opening part of the transaction medium insertion port 4, and becomes a closed state in case of inserting a magnetic card and narrows the opening part of the transaction medium insertion port 4. In this way, a user can know exactly an inserting position in case of the magnetic card whose width is narrow, against the insertion port of the bankbook or payment slip P whose width is wide, and can insert them to match a carrying path in a transaction medium processor 20. As for the selecting shutter 22, it opening/closing operation is executed by a solenoid.

Description

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

(Prior Art) In recent years, financial institutions such as banks have introduced automatic transaction devices M (automated cash teller machines, automatic cash dispensers, automatic cash deposit irons, etc.) that automatically deposit and withdraw deposits. Most of the counter operations for depositing and withdrawing deposits are now performed by automatic transaction machines, greatly contributing to the efficiency and labor savings of financial institutions.

Furthermore, in recent years, automated transaction devices have come into practical use that have transaction functions such as transfers and transfers in addition to depositing and withdrawing deposits, making counter operations more efficient and labor-saving. ing.

However, payment operations such as utility charges and taxes have not yet been carried out using automatic transaction devices, and the proportion of payment operations such as utility charges and taxes in counter operations has increased relatively. In order to improve efficiency and save labor, there is a strong desire to use self-help transaction devices to pay utility bills and taxes.

However, in payment operations such as utility charges and taxes, multiple types of forms (payment slips) with different recording formats depending on the issuer are accepted in advance and sent to the supplier.
It is necessary to read the payment information recorded in different locations for each format to conduct a transaction, and conventional automated transaction devices identify each of these multiple formats and search for the location of the information to be read for each format. It was impossible for them to read the necessary information and conduct transactions.

In addition, recently, consumer financial institutions have developed significantly, and in addition to payment services such as utility charges and taxes, payments to consumer financial institution settlement accounts are also increasing. It is also necessary to read handwritten characters printed in type or printed by a printer, which is impossible with conventional automated transaction devices.

(Problems to be Solved by the Invention) As mentioned above, conventional automatic transaction devices accept multiple types of forms with different recording formats, and store necessary information recorded in different positions for each format. It was impossible to read or perform payment transactions.

Therefore, the present invention aims to eliminate the above-mentioned drawbacks by accepting multiple types of forms each having a different recording format.
It is an automated system that can read the necessary information recorded in different locations depending on the format and automatically perform payment transactions such as utility charges and taxes, thereby further increasing the efficiency and labor saving of financial institutions. The purpose is to provide trading equipment.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention includes: an accepting means for accepting multiple types of forms in which information used for transactions is recorded and each of which has a different recording format; a reading means for optically reading and recognizing the above information from the form accepted by the reading means, a transaction means for executing a predetermined transaction based on the information read by the reading means, a guidance means for providing desired guidance to the user, and this guidance means. It consists of an instruction input means through which the user selectively gives instructions according to the guidance of 1. Please use the above guidance method to check the form before starting the transaction! ! ! The transaction is started by the user selectively instructing the type of form according to this guidance.

(Function) It accepts multiple types of forms with different recording formats, reads the necessary information recorded in different positions for each format, and allows self-help payment transactions such as public charges, taxes, and money. can be done. Furthermore, even if the information recorded on the form is printed, printed by a printer, or handwritten, it can be read and used for transactions. Roughly, guide the user to selectively instruct one of multiple types of forms, and based on this? ! Since one of several types of forms is specified in advance, there is no need to perform complex and sophisticated processing to identify the format of the received form.

(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 I @ work section 2, there are magnetic cards that store account information such as a PIN and account number;
A transaction medium insertion slot 4 for inserting a magnetic passbook, payment slip, etc., a transaction status indicator 5 for displaying transaction status to the user,
A transaction display 6 for displaying and guiding each transaction such as deposits, payments, and payments that can be handled, a call button 7 for the user to call a staff member, a coin slot 8 for the user to deposit coins, A change outlet 9 is provided for discharging change coins to the user. A deposit slot 011 is provided on the horizontal surface 10 of the customer service operation unit 2, into which a large number of banknotes can be input at once and where 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 @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 a display portion is pressed, the touch panel detects the pressure and outputs a corresponding signal to a main control section to 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, related to payment of telephone charges) P as a form according to the present invention.

The payment slip P records payment information such as the period for which the fee applies, the payment deadline, the user's contact information, the billed amount, and the issuer code number. This payment information is usually printed or recorded in printed characters, or recorded in handwritten characters. The payment slip P can be divided into, for example, three pieces, and a receipt P1 for the user (payer),
Notice P2 to issuer and copy P3 at receiving financial institution
It consists of Note that the payment slip P may be formed in various formats depending on the issuer, but it is generally structured in the same way as described above. Further, 1. 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.
Receipt) R and journal paper J for printing a series of transaction records and copying the embossment on the magnetic card.
Built-in. This transaction medium processing device 20 is.

It is provided at a location within the housing 1 that corresponds to the transaction medium insertion slot 4 . 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, and when inserting a passbook or payment slip P, the selection shutter 22 is opened to widen the opening of the transaction medium insertion slot 4. When a magnetic card is inserted, the opening of the transaction medium insertion slot 4 is narrowed by being in a closed state. As a result, the user can clearly know the insertion position of a narrow magnetic card in comparison to the insertion slot of a wide passbook or payment slip P. It is possible to insert it according to the Note that the selection shutter 22 is opened and closed by a solenoid 23.
' is now being performed.

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 to detect the presence or absence of a magnetic stripe in a fumarolic manner. 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, . . .
Pinch rollers 29. ... and a guide bottom plate 30, etc., and is driven by a pulse motor via a belt (not shown). The transport path 27 is provided with N plates 31 and 32 at positions corresponding to the widths of the bankbook and payment slip P, and a movable side plate 33 at a position from the side plate 31 corresponding 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 becomes 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, a magnetic head 39 for a bankbook and a magnetic head 40 for a magnetic card are sequentially provided. The three magnetic heads read or record information on the magnetic stripe of the accepted passbook. The magnetic head 40 is configured to read or record information on the magnetic stripe of an accepted magnetic card. Pressing rollers 41, 41 are provided at opposing portions of each magnetic head 39, 40 to bring the corresponding magnetic stripes into contact with each other with a predetermined pressure.

In the middle of the conveyance path 27, there is an optical reader 42 that reads the date column of the passbook to detect whether there is any printing or not, detects the presence or absence of a page mark, and further reads the payment information on the payment slip P.
is provided. The optical reader 42 is, for example, C
It is composed of a CD-type image sensor 43, a lens 44 that reduces the information on the 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 ME elements on a plane. In addition, this optical reading/loading device W142 can read in advance the characteristics of each format of multiple types of payment slips (for example, the position and content of information that should be read for each type of payment slip, the position where a receipt stamp should be affixed, etc.). When the type of payment 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. In addition,
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 line groove 46 for automatically turning over the pages of the bankbook is provided in front of the optical reading and stacking device M42 on the conveyance path 27. The turnpage mechanism 46 includes a passbook back-up plate 47 that pushes up the passbook, and auto-turnbage by rotating in the direction of arrow a in FIG. 5, and auto-turnbage in the opposite direction by rotating in the direction of the arrow I\. It is constituted by a turning row 548. A receipt issuing mechanism 49 for issuing receipts R is provided below the evening printing mechanism 46. For example, the receipts R are applied with a certain pressure by a pressing mechanism 50, and are taken out one by one by a take-out roller 51. It is designed to be guided to a conveyance path 27.

A printing mechanism 52 is provided in front of the turnpage mechanism 46 on the conveyance path 27 . The printing mechanism 52 prints predetermined information on the bankbook or journal paper sheet R, and has a wire dot type print head 53 that moves this print head 53 in a direction perpendicular to the transport direction of the transport path 27. It is composed of a carriage 54, a slide rod 55 that guides the carriage 54, a table 56 as a platen, and the like. Printing mechanism 52 of conveyance path 27
An embossing stand 57 is provided in front of the embossing table 57. When the magnetic card is subjected to aS, the embossing stand 57 rotates 90 degrees about the rotation axis 58 to enter the lower side (embossed part 59) of the journal paper J, and at this time, it is placed on the upper rJ of the journal paper J. By moving the embossing roller 60 along the roller movement path 61,
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 paper J corresponds above the stand 56 and the embossing unit 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 an embossing portion 59.

In front of the embossing stand 57 on the conveyance path 27, a cutter device @65 is provided for cutting the conveyed payment slip P into predetermined dimensions. Katta! aM65 is, for example, a roller 67 having a gap 66 through which the payment slip P passes.
There is a so-called rotary cutter that cuts the payment slip P by rotating the blade and the other fixed blade 68.

In front of the cutter device M65 on the conveyance path 27, a stamp device 69 is provided for stamping a receipt stamp as payment proof information on a predetermined part of the conveyed payment slip P. In the stamp device 69, 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 compression to obtain a clear impression.

Further, the stamp head 70 is capable of stamping a receipt stamp with 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 j for collecting the conveyed passbooks, payment slips P, and magnetic cards via the game i-75.
176 are provided. The gate 75 is the solenoid 7
7, and when collecting passbooks or payment slips P, etc., the solenoid 77 is energized to move the upper part (
5).

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 11 and dispenses banknotes of a specified amount 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, clerk operating section 84 for clerks, cumulative memory 85 for storing cumulative information for each type regarding all transactions, and payment slip P read by optical reader 42. An image information file 86 for sequentially storing image information, 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. Also, the monarchy part 8
1 is connected to the customer service operation section 2 and a remote monitor section 88 provided outside for use by an attendant.

Next, the bankbook processing operation will be explained with reference to FIGS. 4 and 5. When accepting a passbook, the main control unit 81 excites the solenoid 23 to open the selection shutter 22 (at this time, the main control unit 81 excites the solenoid 35, and this excitation force causes the movable side plate 33 to close the bottom plate 3o. The transport path 27 is in a downwardly retracted state.
．． A width defined by 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 pinch roller 29. ... and transaction media processing 1! ! 20
taken inside. As a result, the account information recorded on the magnetic stripe is read by the magnetic head 39 while the loaded bankbook is being conveyed. Next, the optical reading device ff142 detects the presence or absence of printing in the date column of the passbook and the page mark. By detecting the presence or absence of printing, the line to be printed is determined, the passbook is conveyed to the printing position of the printing mechanism 52, and predetermined information is printed by the print head 53.

Next, the processing operation of the payment slip P will be explained with reference to the fourth factor and FIG. When accepting the payment slip P, the main I control section 81 excites the solenoid 35 and opens the selection shutter 22. At this time, the main control section 81 is energizing the solenoid 35, and this excitation force causes the movable side plate 33 to be retracted below the bottom plate 3o. 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 section 81 excites the solenoid 38 to close the main shutter. Open 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, while the captured payment slip P is being conveyed, the optical reader rI
The i42 reads payment information such as the payment amount (billing amount) and user code number. And Lord rII
The m unit 81 receives the result of recognizing only the information necessary for payment by the optical reading device 42 and the image information (payment slip P) as obtained by the image sensor 43 of the optical reading device 42.
(Image of the entire surface of the display) P' as shown in Figure 9! 114 at the same time. The payment slip P read by the optical reader 42 is transferred to the drive roller 2
8. ...and pinch roller 29. ..., and after the receipt stamp is stamped in a predetermined position with the stamp bag 69, the receipt part (Pl) for the user is cut off with the cutter vA165, and the receipt part is used for transaction processing. At the same time as being ejected to the media insertion slot 4, the part that should be kept by the financial institution (P2
, P3) are collected into the collection safe 76 by the 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 unit 81 is not exciting the solenoid 35, the movable side plate 33 is in a state of protruding from the bottom plate 3o. As a result, the conveyance path 27 forms a paddle-shaped card conveyance path 34 defined by the movable side plate 33 and the side plate 31.Then, when a magnetic card is inserted into the transaction medium insertion slot 4 by the user, the insertion is detected by darkening only the detector 25 and detecting the magnetic stripe by the detector 26, and the main controller 81 controls the solenoid 3.
8 is excited to open the main shutter 37. Then, the inserted magnetic card is moved by the drive rollers 28, . . . and the pinch rows 529, . ... and the transaction medium processing device I.
20. As a result, the account information recorded on the magnetic stripe of the loaded magnetic card is read by the magnetic head 40 while being transported. 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 transported 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 enters the lower side of the journal paper J. Control as follows. The journal MJ 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, a magnetic card is accepted, account information is read from the magnetic stripe, and the emboss is copied. When returning the magnetic card, the embossing stand 57 is rotated 90 degrees in the opposite direction (clockwise) with the magnetic card placed thereon, contrary to the previous operation, and the magnetic card is exposed onto the card transport path 34. .

Thereafter, the 1-ki card is conveyed in the direction of the transaction medium insertion slot 4 and returned, or conversely, conveyed in the receiving direction and collected by the collection R76.

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, the display device 14 displays the message ``Specify transaction (
"Please pay" is displayed, and selection keys such as "deposit, payment, balance inquiry, payment" are also displayed. 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 the display device 14 displays "Please insert your card. If paying cash, please press the cash key."
is displayed, and the selection key for ``Cash J'' is displayed (Sl).Next, the customer can follow the instructions and select
If you bring the magnetic card of the account from which the payment amount will be debited,
A magnetic card is inserted into the transaction medium insertion slot 4. 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). In other words, the magnetic card is a transaction medium processing bag W! 20, and the magnetic head 4
PIN number recorded on the magnetic stripe by 0,
Account information such as account number is read (S4). This read account information is checked by the 111111 department 81, and if it is determined that the magnetic card is incorrect (S5
), Lord υII! ] 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 11. The IIIMI section 81 is the display device 1
4 to display "Press your PIN" and display the numeric keypad and 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 1111 identification number, the main control unit 81 checks whether the PIN read from the magnetic card and the input PIN match (89), and if they do not match, performs a password re-input process (810). ).

As a result of the verification in step S9, if the PIN numbers match, or if it is determined that the cash key has been pressed in step S3, the main 1tll 111 section 81 displays "Payment type" on the display device 14 as shown in FIG. "Please specify" and a key for selecting the type of payment that can be handled is displayed (811).

That is, a guide is displayed to the user to selectively instruct the type of payment slip. When the user presses the part displayed, for example, "telephone charges" according to this guidance (S12>, the main control unit 81 selects the reading logic of the optical reader 42 according to the national style of payment slip for telephone charges. 513), and display ``Please insert payment slip'' on the display 14 (S14). When the user inserts the prepared payment slip P into the transaction medium insertion slot 4 according to this guide (S15), the main control 8I181 judges this (816) and reads the payment information from the payment slip P (S15).
817). 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 and usage according to the reading range and reading content logic according to the type of payment slip stored in advance. Payment information such as customer code number is read (S17). Then, the main control unit 81 displays the image information P' obtained by the image sensor 43 on the display device 14 as shown in FIG.
and the read result of the information necessary for payment are displayed at the same time, and the message ``Please confirm payment details'' is displayed as well as a confirmation key and a cancellation key (818).
. Following this guidance, the user presses the part labeled as a confirmation key or a cancellation key (S19). Here, if the main control unit 81 determines that the cancel key has been pressed (82
0), the main control unit 81 discharges the accepted payment slip P to the transaction medium insertion slot 4, returns it to the user, and returns to the initial state (S2
1). When the main control unit 81 determines that the confirmation key has been pressed (
S20), the main control unit 81 stamps the received payment slip P with a seal 1e
69 (322), step 823
Proceed to.

In step S23, it is determined whether a magnetic card is to be used. As a result of this judgment, 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."
324). Following this guidance, the user inserts banknotes into the deposit slot 11 and coins into the coin slot 8. Then, the banknotes are accepted by the banknote deposit and withdrawal section 82, and the coins are accepted by the coin deposit and withdrawal section 83 (S25).

When the acceptance of banknotes and coins is completed, the main control unit 81 displays the display! At step 14, the message "Confirm the deposited amount" is displayed, and the deposited amount, cancellation key, and confirmation key are also displayed (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 823 that a magnetic card is to be used, the main control unit 81 displays the message “Please insert your bankbook” on the display device 14.
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.
, but press the forget passbook key (830). If it is determined that the bankbook is to be inserted (S31), the main control unit 81 receives the bankbook into the transaction medium processing device 20 (S32), and proceeds to step S28. If it is determined in step 831 that the bankbook forgotten key has been pressed, the process advances to step 828.

In step 828, the display bag W114 displays "Currently processing the computer. Please wait for a while." Then, the main control unit 81 sends and receives a payment message if center communication is necessary, and prints the result on the eFl11.
152 to print on journal paper J (S3
3). In addition, the image sensor 4 of the optical reading bag W142
The image information of the payment 'MP obtained from step 3 is stored in the TM image information file 86 together with the reading result of information necessary for payment (834). When the storage of this image information is completed, the main control unit 81 determines whether or not there is change (S35
). When the main controller 8B81 determines that there is change, the main controller 8B81 causes the display device 14 to display the message "Please receive bills and coins from their respective receiving slots" and displays the amount of change (836). At this time, the main 1111 section 81 operates the banknote deposit/withdrawal section 82 to discharge change banknotes to the deposit 011, operates the coin withdrawal section 83 to discharge change, and discharges change coins into the mouth 8 (S37). .

By releasing this change, the user receives the change (538)
. When the receipt of change is completed, or when the main control unit 81 determines that there is no change in step S35, 11
111110 part 81 displays on the display device 14 the message "Please take your passbook or receipt" (83
9) 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). When this reception is completed, the main control unit 81 determines whether or not a magnetic card is to be used (542). If it is determined that a magnetic card is not to be used, the main control unit 81 sends the payment slip P to the stamping device 69 to send the payment slip P in advance. A receipt stamp is stamped on a predetermined tiL1 of the payment slip P to be stored according to the type of payment slip P (S43). When this stamping is completed, the main control unit 81 transfers the payment slip P to the cutter device 6.
5, one piece (Pl) on the receipt side is cut off (544), the receipt piece is ejected to the transaction medium insertion slot 4, and the other side is collected in the collection storage 76 (545).
When the user receives the receipt (846), the payment process ends. 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).
), la magnetic card transaction medium insertion slot 4 (
848), whereby the user receives the ejected magnetic card (S49), and then proceeds to step 8 similar to the above.
By executing steps 43 to 846, the payment process is completed.

According to the automatic transaction device described above, it is possible to accept multiple types of payment slips with different recording formats, read the necessary information recorded in different positions for each format, and make payments for utility charges, taxes, etc. Transactions can be carried out autonomously. Therefore, payment operations for utility charges, taxes, etc. are automated, and financial institutions such as banks are further improved in efficiency and labor-saving. Further, even if the information recorded on the payment slip is stamped, printed with a printer, or handwritten, it is possible to read it and perform a payment transaction. Roughly,
The user is guided to selectively instruct one of the multiple types of payment slips, and based on this, the user has previously specified one of the multiple types of payment slips, so the accepted payment There is no need to perform complex and sophisticated processing to identify the format of a vote.

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.

[Effects of the Invention] As detailed above, according to the present invention, several types of PI forms with different recording formats can be accepted, and necessary information recorded in different positions for each format can be read. It is possible to provide an automatic transaction@place that can automatically perform payment transactions such as fees and taxes, and further improve efficiency and save labor at financial institutions.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention, and FIG. 1 shows the overall external appearance in perspective, FIG. 2 shows an example of a 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 (ticket), 2...Customer service operation section, 4...Transaction media insertion slot, 11...
・Deposit port, 14...Display device, 20...
・Transaction medium processing device, 27゛... Conveyance path, 42
...... Optical reading device, 81 ... Main control section, 82 ... Bill depositing and dispensing section, 83 ...
Coin person withdrawal department. Figure 2 (a) Figure 6 (C) Figure 6 Figure 7 Figure 8 Figure 9 Figure 10

Claims (4)

[Claims] (1) A receiving means for accepting multiple types of forms in which information to be used for transactions is recorded and each of which has a different recording format; A reading means for optically reading and recognizing the information from the forms received by the receiving means; A transaction means for executing a predetermined transaction based on information read by the means; a guidance means for providing desired guidance to the user; and an instruction input means for the user to selectively give instructions in accordance with the guidance of the guidance means. Provision: Before the start of a transaction, the guide means guides the user to selectively instruct the type of document, and the transaction is started by the user selectively instructing the type of document according to this guidance. An automatic transaction device characterized by: (2) The automatic transaction device according to claim 1, wherein the information recorded on the form is recorded in print or handwritten. (3) The automatic transaction device according to claim 1, wherein the information recorded in the form is information related to payment of utility charges, taxes, etc. (4) The automatic transaction device according to claim 3, wherein the predetermined transaction executed by the transaction means is a payment transaction for utility charges, taxes, etc.