JPS6256167A - Automatic transaction apparatus - Google Patents

Abstract

PURPOSE:To make it possible to succeedingly print the result of new transactions even if the printing on a passbook reaches to its end, by setting the passbook to the first page and successively erasing the content of old transactions starting at the first line on which said content is printed and printing the content of the latest transactions. CONSTITUTION:A passbook is held between a take-up roller 36 and a passbook backup plate 37 and the take-up roller 36 is rotated in a b-direction to turn over the pages of the passbook one by one up to the first page and the passbook is again fed to the position of a printing head 35. A main control part drives a printing head 35 with a solenoid and allows said head 35 to face a white ink ribbon 41b. By this method, the printing head 35 is driven to print on all dots of the first line of the first page with white and the data of old transactions are erased. Subsequently, the main control part drives the printing head 35 with the solenoid to allow said head 35 to face a black ink ribbon 41a. By this method, the printing head 35 is driven to print the printing data stored in an internal memory, that is, the information of the latest one-line transactions on the first line of the first page using a black color.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device such as an automatic teller machine that executes various transactions using, for example, a passbook with a magnetic stripe.

[Technical Background of the Invention] In recent years, cash machines that automatically pay the cash requested by the user by accepting a magnetic stripe card containing account information submitted by the user and communicating with a host combination coater (center) have been developed. An automatic teller machine or a cash machine that accepts a magnetic passbook with a magnetic stripe in which account information is stored and automatically disburses the cash requested by the user by communicating with a host computer. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks with magnetic stripes, and automatic teller machines that combine both of these functions into one machine, It has rapidly developed as an automated device for bank tellers, and has been introduced by banks to provide quick services to their users.

[Problems in the Background Art] However, with the above-mentioned device, when an accepted passbook is full of prints, the passbook cannot be used unless a new passbook is issued by the bank counter. It has become. In addition, in order to reduce the number of reissues of passbooks, it is possible to increase the number of pages by thinning the inner paper of the passbook. , problems such as the paper quality of the passbook and line detection may occur.

[Purpose of the invention] This invention was made in view of the above circumstances, and its purpose is to provide an automatic transaction system that can continue to print new transaction results even when the bankbook is full. The goal is to provide equipment.

[Summary of the invention] In order to achieve the above-mentioned object, this invention sets the bankbook on the first page when it is full of prints, and sequentially erases old transaction details starting from the first line printed. The latest transaction details are printed.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 2 shows an automatic transaction device according to the present invention. That is, a customer service operation section 203 is formed on the front surface of the housing 1. On the vertical surface 2 of this customer service operation section 203,
Passbook/card insertion slot 3 into which a magnetic card and passbook are inserted as a transaction medium in which a PIN number and account information are stored.
, an in-process indicator 4 for displaying to customers that the transaction is in progress, an item display 35 for displaying and guiding each type of deposit, payment, transfer, etc. that can be handled, There are provided a call button 6 for calling an attendant in case of emergency, a coin input lower for customers to deposit coins, and a change outlet 8 for discharging change coins to customers.

Further, the horizontal surface 9 of the customer service operation section 203 is provided with a bill insertion slot 10 in which a large number of bills can be inserted at once and change can be received, and this bill insertion slot 10 has a door that can be opened and closed. 10' is provided.

Further, an oblique operation surface 11 is formed between the vertical surface 2 and the horizontal surface 9 of the customer service operation section 203.

The diagonal operation section 11 is provided with a display section in which a transparent touch panel (touch sensor) 13 is formed on the upper surface of a liquid crystal display section 12 . This liquid crystal display unit 12 displays operating procedures and other information on the screen in the form of illustrations, characters, or words to guide the user, and also displays information such as passwords, amounts, account numbers, approval, confirmation, or cancellation of transactions, etc. By pressing a corresponding display part, the touch panel 13 detects it and outputs a corresponding signal to the main control section 200, which will be described later, thereby performing a so-called key operation. That is, as shown in FIG. 3, for example, the message "Please specify transaction" is displayed, as well as keys for instructing deposit, payment, inquiry, and transfer. The contents and display change each time the machine operation or step status changes.

FIGS. 4(a) and 4(b) show a so-called magnetic passbook P as a transaction medium according to the present invention.

The cover 101 of the passbook P has columns for printing branch numbers, account numbers, customer names, etc. Further, in the passbook P, a plurality of printed pages 104 are bound in a booklet form between the front cover 101 and the back cover 102,
On the printing surface of each of these printing pages 104, a plurality of lines of printing columns are printed. The transaction date, deposit amount, payment amount, balance, etc. for each transaction are printed in the above print column. A magnetic stripe 103 is attached to a predetermined portion of the back cover 102.
03 stores account information such as an account number and deposit balance. Further, in the margin of each print page 104, an optical bar mark or page mark 105 indicating the page number is printed in black. The width of the passbook P when inserted is L2.

FIG. 5 shows a magnetic stripe card C. A magnetic stripe 110 is attached to the surface of the magnetic card C, and account information such as an account number and a deposit balance is stored on this magnetic stripe 110. An embossed area 111 is provided on the surface of the magnetic card C, and a branch number, account number, customer name, etc. are embossed in this embossed area 111 so as to be convex with respect to the surface. The width of the magnetic card C when inserted is Ll.

6 and 7 show the passbook/card section 20, which accepts the passbook P and the ink card C inserted into the passbook/card slot 3 in FIG. It not only performs processing, but also prints a receipt R and a series of transaction records for printing and issuing transaction records for customers who do not bring their bankbook P, and copies the embossment on the magnetic card C. It has a built-in journal paper J. The bankbook/card section 20 is provided in the housing 1 at a location corresponding to the bankbook/card insertion slot 3.

That is, a bankbook/card insertion slot 3 is communicated with the front side of the main body 80, and a selection shutter 21 is provided in the bankbook/card insertion slot 3. This selection shutter 21
The opening and closing operations are performed by excitation of the solenoid 30.

Near the passbook/card insertion slot 3, that is, the selection shutter 2
1 is provided with detectors 27a and 27b for optically detecting the insertion or removal of the bankbook P and the 1-ki card C, as well as the magnetic stripe 11 of the magnetic card C.
Detectors 27c and 27d that magnetically detect the presence or absence of 0 are provided above and below the passbook/card insertion slot 3, facing each other.

The detectors 27a and 27b are well-known devices consisting of a light emitting element and a light receiving element, and the detectors 27c and 27d are constituted by magnetic heads and the like. The above detector 27a
, . . . toward the rear of the main body 80, a conveyance path 81 is provided in a substantially horizontal state. This conveyance path 81 includes drive rollers 82, . . . , these drive rollers 82, .
. . . and a guide bottom plate 26, etc., and is driven by a pulse motor via a belt (not shown). Further, the conveyance path 81 is provided with side plates 22a and 22b at positions corresponding to [L2 of the passbook P, and has a width L1 of the magnetic card C.
A movable side plate 23 is provided at a position corresponding to the side plate 22a. Thereby, the transport position of the bankbook P is regulated by the side plate 22a122b, and the transport position of the magnetic card C is regulated by the card transport path 81' formed by the copper plate 22a and the movable side plate 23.

Further, at the starting end of the conveyance path 81, the detector 27a, . . .
A main shutter 28 is provided which opens and closes depending on the detection result. This main shutter 28 is driven to open and close by excitation of a solenoid 29. That is, when the insertion of the bankbook P or magnetic card C is detected, the solenoid 29 is energized and the main shutter 28 is opened.

Behind the main shutter 28, a magnetic head 31 for the bankbook P and a magnetic head 50 for the magnetic card C are sequentially provided. The magnetic head 31 is configured to read or store information on the magnetic stripe 103 of the accepted passbook P.

The magnetic head 50 is adapted to read or store information on the magnetic stripe 110 of the accepted magnetic card C. A pressing roller 32.32 is provided at the facing portion of each magnetic head 31.50 to bring the corresponding magnetic stripe into contact with a predetermined pressure. Further, an optical reader 89 is provided in the middle of the conveyance path 81 to read date 1 on the bankbook P to detect the presence or absence of printing, and to detect the presence or absence of the page mark 105. The optical reading device 189 includes a COD image sensor 34 and a lens 33 that reduces the print data on the passbook P and forms an image on the COD image sensor 34. This is the above surface array.

Further, a turnpage mechanism 90 is provided in front of the optical reading device 89 on the conveyance path 81 . This turnpage mechanism 90 automatically turns over the pages of the passbook P. For example, when the passbook P is turned over, the passbook back up plate 37 pushes up the passbook P by being lifted upward by a solenoid (not shown). It is constituted by a winding roller 36 that performs auto-turn page by rotating in the direction a, and performs auto-turn page in the opposite direction by rotating in the direction indicated by the arrow.

A receipt issuing mechanism 91 for issuing receipts R is provided below the turn page mechanism 90. For example, a certain pressure is applied to the receipts R by a pressing mechanism 92, and the receipts R are taken out one by one by a take-out roller 92 and placed on a conveying path 81. It is designed to be guided by. Furthermore, a printing mechanism 93 is provided in front of the turnpage mechanism 90 on the conveyance path 81 . This printing mechanism 93 prints predetermined information on the bankbook P1 journal paper J and receipt R, and is composed of a wire dot type print head, a print head 35 that prints alphanumeric characters, katakana, kanji, etc., and ink. A carriage 94 that moves the ribbon 41 and the print head 35 in a direction perpendicular to the transport direction of the transport path 81, a moving mechanism consisting of a slide rod 95, and a stand 96 as a platen.
It is made up of. The ink ribbon 41 is formed of white and black ink ribbons 41a%41b,
As the print head 35 is moved by the solenoid 42, the black ink ribbon 41a and the white ink ribbon 4 are
1b are switched to correspond to each other.

Furthermore, an embossing stand 51 is provided in front of the printing mechanism 93 on the conveyance path 81 .

When the magnetic card C is placed on the embossing stand 51, it rotates 90 degrees around the rotating shaft 53, and enters the lower side (embossed part 99) of the journal paper J.
At this time, the embossing roller 54 provided above the journal paper J moves along the roller movement path 55, so that the embossment of the magnetic card C is transferred onto the journal paper J. When the embossing stand 51 is in a card standby state, a card position detector 52 is provided facing a notch (not shown) for detecting the magnetic card C. This card position detector 52 is a well-known device consisting of a light emitting diode 52a and a light receiver 52b. A journal paper J corresponds above the table 9G and the embossing section 99 (the embossing table 51 during embossing). This journal paper J is wound and held on a delivery shaft 97, and passed through a table 96 and an embossed part 99 to a take-up shaft 99.
8.

Furthermore, near the end of the conveyance path 81, a collection warehouse 40 is provided to collect the conveyed passbooks P and magnetic cards C.

By the way, as shown in FIG. 8, inside the housing 1 is a main I control section that controls the entire system and is composed of a microcomputer, a program memory, a data memory for processing various data, etc. 200, the above passbook・
A card unit 20 receives banknotes inserted into the banknote insertion slot 10, and dispenses banknotes of a specified amount into the banknote insertion slot 10.A banknote withdrawal unit 202 receives coins inserted into the coin insertion lower. , a coin deposit/withdrawal section 201 that dispenses coins of a specified amount to the change outlet 8, a customer service operation section 203 constituted by the touch panel 13, etc., an attendant operation section 204 for an attendant,! Transferable money required for transfer transaction w1
A bank branch name file 207 in which information about the institution is recorded, such as a floppy disk, the main control unit 200, and a host computer (center) not shown.
A transmission l11111i1 unit 206 that controls data transmission to and from the 11111i1 unit, and a cumulative memory 208 that stores cumulative information for each type regarding all transactions are provided. Further, the main IIJ 11 section 200 is connected to an externally provided remote monitor section 205 for use by staff members.

Next, the processing operation of the passbook P will be explained with reference to FIGS. 6 and 7. For example, when accepting a passbook P, the main control unit 200 excites the solenoid 30 and activates the selection shutter 2.
Open 1. At this time, the main control section 200 controls the solenoid 25
is excited, and the movable side plate 23 is retracted below the bottom plate 26 due to this excitation force. As a result, the transport path 81 has a width L2 defined by the side plates 22a and 22b. When the customer inserts the bankbook P into the bankbook/card insertion slot 3, the insertion is detected by darkening the detectors 27a and 27b, and the main control unit 200 excites the solenoid 29 and closes the main shutter. 21
open. Then, the passbook P is transferred to the drive roller 82...
It is pinched by the pinch rollers 83 and taken into the passbook/card section 20. As a result, the account information stored on the magnetic stripe 103 is read by the magnetic head 31 while the loaded passbook P is being transported. Next, the CCD image sensor 34 of the optical reader 89
Check whether the date column of passbook P is printed or not, and page mark 1.
05 is detected. The line to be printed is determined by detecting the presence or absence of printing, the bankbook P is conveyed to the position of the print head 35, and the print head 35 prints predetermined print contents. In this case, a black ink ribbon 41a corresponds to the print head 35, so that black printing is performed.

If a print line runs out during this printing, the pages of the passbook P are turned over by the turn page mechanism 90 and printing is continued. That is, as shown in FIG. 7, the passbook back-up plate 37 is pushed up to the passbook P (Ill) by a solvent (not shown), and the passbook P is sandwiched between the turning roller 36 and the passbook back-up plate 37.Then, the turning roller 36 in the direction a, and turns over the pages of the passbook P one page at a time.After performing the page change operation in this way, the CCD image sensor 34
The page mark 105 of the passbook P is detected, and it is determined whether the main/subscribe (1 copy 200) has been correctly turned over by one page.If the page has not been turned correctly, the first half of the passbook P is The inside of the section is moved so that it is located under the turning roller 36, and the passbook back-up plate 37 is pushed up to the passbook P11 by a solenoid (not shown), and the passbook P is sandwiched between the turning roller 3G and the passbook back-up plate 37. Next, the turning roller 36 is rotated in the direction b, and the page of the bankbook P is turned over by one page to the original page.After performing the page change operation in this way, the CCD image sensor 34 detects the page of the bankbook P. The page mark 105 is detected, and the main control unit 200 determines whether the page should be printed. If it is determined that page 9 has been turned over correctly, the passbook P is conveyed again to the position of the print head 35 to continue printing. Here, if the correct page is not turned over even after performing this page-turning operation a predetermined number of times, the main control unit 200 determines that the page-turning operation is not possible and interrupts the transaction.

On the other hand, when there are no more pages to print on the bankbook P, the first line of the first page of the printed bankbook P is erased in white, and the latest transaction details are printed on top of it.

That is, as shown in FIG.
7 is pushed up toward the bankbook P side by a solenoid (not shown), and the bankbook P is sandwiched between the turning roller 36 and the bankbook back-up plate 37. Next, the turning roller 36 is rotated in the direction b, and the pages of the bankbook P are turned over one page at a time, up to the first page. In this way, after performing the page break operation up to the first page, the CC
The page mark 105 of the bankbook P is detected by the D image sensor 34.
is detected, and the main control unit 200 determines whether or not the page has been correctly turned to the first page. If the pages are turned over correctly, the passbook P is conveyed to the print head 35 again. At this time,
The main control unit 200 controls the print head 35 by the solenoid 42.
is driven to correspond to the white ink ribbon 41b. This drives the print head 35 to print the first line of the first page in white, erasing the old transaction data.

Next, the 1111 section 200 drives the print head 35 using the solenoid 42 to make it correspond to the black ink ribbon 41a. As a result, the print head 35 is driven, and the print data, that is, the latest transaction information (contents) stored in the internal memory (not shown) of the main control unit 200 is transferred to the 4R of the first page.
Print one line in black on the first line. Further, if there is data to be printed, it is erased with white ink in the same manner as described above, and then one line of print data stored in the internal memory is printed. When there is no more print data in the internal memory, the next line is erased with white ink so that the next old transaction data print can be distinguished from the current print data. Therefore, as shown in FIG. 1, old transaction data can be erased in white and the latest transaction details can be printed over it.

As mentioned above, when there are no more pages to print on the passbook P, the first line of the first page of the printed passbook MP is erased in white, and the latest transaction details are printed from above. Even if the passbook is full, new transaction results can be printed continuously.

Next, in such a configuration, FIGS. 9(a) to (C)
The withdrawal operation will be explained with reference to the flowchart shown in FIG. For example, now a user stands in front of this device.

At this time, the display unit 12 displays [Welcome, please specify the handling method] and the selection keys for "Withdrawal, Deposit, Inquiry, Transfer" are displayed (STI).
. In response to this guidance, the user presses down the part displayed as "Withdrawal"(ST2>. As a result, the main control unit 200 determines to proceed to the next processing step, and the display unit 12 displays "Passbook or card withdrawal". "Please insert" is displayed (ST3).

In response to this guidance, the user inserts the bankbook P into the bankbook/card insertion slot 3 (ST4.5). By this, Lord! 1i1
The J management department 200 causes the display unit 12 to display the message "Passbook is now being accepted" (S76).

At this time, the passbook is loaded into the passbook/card section 20, and account information such as the password and account number recorded in the magnetic stripe section 103 is read by the magnetic head 31, and the passbook P is read by an optical sensor (not shown). Read recorded page marks and printed lines. The above account information is checked by the main control unit 200, and if it is determined that the passbook is incorrect, the main control unit 200 performs error processing. Next, the main control unit 200 causes the display unit 12 to display a message “Please insert the card” (ST7).
.

Next, the user inserts the card C into the passbook/card insertion slot 3 according to the instructions in step 7 or 3 (ST
8) Then, the card C is taken into the bankbook card section 20, and the account information such as the password and account number recorded on the magnetic stripe section 110 is read by the magnetic head 50. The above account information is checked by the main control section 200, and if it is determined that the card is incorrect, the main control section 200 performs error processing.

Further, in step 1 above, the user inserts the card C into the passbook/card insertion slot 3 (ST9). Then, as described above, the account information etc. of the card C are read. Next, if the user presses down the part that says "Withdraw" (ST10), or if it is determined that the card is correct after inserting the card in step 8, the display ali12 will display "Press your PIN number." ” is displayed, along with a numeric keypad and a correction key (ST
11''). Next, the user follows the instructions and inputs the PIN number by pressing down on the area where the numeric keypad is displayed (ST12>. By inputting this PIN number, the main control unit 200 confirms that the PIN numbers match). If they do not match, the password re-input process is performed.

Further, if the PIN numbers match, the main control unit 200 displays “Please press the withdrawal amount” on the display unit 12, and displays a numeric keypad and an amount key (ST13).
). Next, the user inserts the withdrawal amount according to the instructions (ST14).

With this input, the main control section 200 causes the display section 12 to display "Currently processing the computer. Please wait for a while" (ST30). In addition, the main control unit 200
(withdrawal transaction of 55,000 yen per transaction) will be sent to the center (
ST31) The result is printed on journal paper using a printing device (not shown) (S732). Upon completion of this printing, the main control unit 2
00 is used to judge whether there is a passbook P (5T33), and if there is a passbook, the contents of the transaction details sent from the center are stored in the internal memory and printed on the passbook using the printing method described above (
ST34).

Further, if it is determined in step 33 that there is no bankbook, the main 11J control section 200 causes the printing mechanism 93 to print the details of the transaction details on the statement sheet (ST37).

Next, the main control unit 200 operates the banknote withdrawal unit 202 to take out the banknote into the banknote insertion slot 10 (ST39).

When the above-mentioned banknote withdrawal is completed, the main control department 200
The RT display section 5 displays "Please receive your passbook (or statement), cards, and banknotes" and (
ST43), the presence or absence of a passbook is determined (ST44). As a result of this judgment, if there is a passbook, the main control unit 200
At the same time as ejecting the passbook from the card insertion slot 3,
is released (ST45). Next, the user has a passbook,
Receive Card C (ST46)a When the user takes out Card C from this passbook, the main control unit 200 then
The banknote 10' of 0 is opened to discharge banknotes (ST47). When the user takes out the bill (ST48), the withdrawal transaction ends.

Also, if it is determined in step 44 that there is no passbook,
The main control unit 200 causes the card C to be ejected from the passbook/card insertion slot 3 (ST49), and then the user
(ST50). When the user takes out this card C, the main control unit 200 opens n10' of the bill insertion slot 10 to eject the bill and also discharges the statement sheet (S
T51).

Then, when the user takes out this banknote and statement sheet (ST5
2), this withdrawal transaction is completed.

In addition, in the above embodiment, the explanation was given using a withdrawal transaction as an example, but this is not limited to this, and it may also be a deposit transaction, etc. Also, although the number of lines to be deleted for confirming new R data this time was one line, Not limited to this? ! It may be several lines. Further, although white and black print data is erased, another erasing method may be used. Alternatively, a passbook without inner paper may be used. in this case,
The page mark detector installed in the passbook card section becomes unnecessary, making it easier to read the main 111 copies, and improving the reliability of printing.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that can continue to print new transaction results even when the passbook is full.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; FIG. 1 is a diagram for explaining an example of printing on a passbook, FIG. 2 is a perspective view of the overall appearance, and FIG. 3 is an example of display on a liquid crystal display section. Figure 4 is a diagram for explaining the configuration of a passbook, Figure 5 is a diagram for explaining the configuration of a magnetic card, and Figures 6 and 7 are diagrams for explaining the configuration of a passbook card section. , FIG. 8 is a diagram showing the configuration of the main part of the electric circuit, and FIG. 9 is a flowchart for explaining the drawing operation. 3... Passbook/card insertion slot, P... Passbook, 20...
- Passbook card section, 35... Print head, 41... Ink ribbon, 41a... Black ink ribbon, 41b.
・White ink ribbon, 42 ・Solenoid, 89・
...Optical reader, 90...Turn page Akebonobashi, 2
00... Main control unit. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 2 Figure 3 114 Figure IF 5 Figure 8v! J Figure 9 (b)

Claims (3)

[Claims] (1) In an automatic transaction device that performs transactions by printing transaction details on a passbook, there is a detection means for detecting when the print status of the passbook is full, and old data in the passbook is detected according to the detection result by this detection means. 1. An automatic transaction device comprising: erasing means for erasing information; and printing means for printing the latest transaction details at the position erased by the erasing means. (2) The automatic transaction device according to claim 1, wherein the detection means detects that there is no more printing space on the printing surface of the last page of the passbook. (3) The automatic transaction device according to claim 1, wherein the erasing means is white printing.