JPS6258393A - Automatic passbook issuing apparatus - Google Patents

Abstract

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

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automatic passbook issuing device that issues a new passbook based on information in a passbook inserted by a customer.

[Conventional technology]

Automatic transaction devices and automatic passbook entry devices conventionally used in financial institutions etc. have the function of printing transaction data on passbooks, but when all pages have been printed and passbook carryover occurs, New passbooks cannot be issued automatically, so new passbooks must be issued by staff at the counter.

On the other hand, the operations of financial institutions, etc. are becoming increasingly automated, and along with this, automatic transaction devices and automatic passbook recording devices are being operated unmanned and on holidays.
As mentioned above, conventional automatic transaction devices and automatic bankbook entry devices cannot automatically issue new bankbooks, which is extremely inconvenient when it comes to providing services to customers and saving labor at financial institutions.

Therefore, in order to eliminate such inconveniences, in recent years, passbook storage means for storing a predetermined number of new passbooks, feeding means for feeding out new passbooks from this passbook storage means, passbook page changing means, and printing on the passbook have been developed. Automated transactions with additional means necessary for issuing a new passbook, such as a printing means and a customer information reading/recording means for recording and reading various customer information necessary for transactions on the magnetic stripe section of the passbook. Although automatic bankbook entry devices and automatic passbook entry devices have been put into practical use, these devices have the following problems.

[Problem that the invention seeks to solve]

In other words, with the above-mentioned automatic transaction devices and automatic passbook recording devices that are capable of issuing new passbooks, it is not possible to hand over the old passbook, which ran out of print lines and caused carryover, and the newly issued new passbook to the customer at the same time. If the old passbook is not serialized, the customer returns the old passbook to the customer when the processing of the old passbook is completed, and then processes to issue a new passbook.After processing, the new passbook is issued to the customer. Performing movements that require heavy effort.

Therefore, when the old passbook was returned, the customer received a message such as "Please receive the old passbook. Please wait for the issuance of a new passbook." on the display of the device. If you receive it, you will think that the transaction is complete,
As a result, customers often leave the bank without receiving their new bankbooks.

It is clear that this has the potential to cause extremely serious accidents, such as the receipt of a bankbook by someone other than the person in question, leading to security issues and the exposure of customer privacy. .

The present invention was made in order to solve such problems, and its purpose is to realize an automatic passbook issuing device that can ensure that a customer receives a new passbook when a passbook is carried forward. be.

[Failure to solve the problem]

In order to achieve the above-mentioned object, the present invention provides an automatic passbook issuing device with an evacuation conveyance path for evacuating old passbooks that have been carried forward.

[Effect]

In the present invention having such a configuration, after carrying over the old passbook inserted by the customer into the automatic passbook issuing device,
This old bankbook is not returned to the customer immediately, but is temporarily evacuated to an evacuation conveyance path. After performing predetermined processing on the newly issued new passbook, the new passbook is ejected out of the device at the same time as the old passbook that has been evacuated to the evacuation conveyance path and is received by the customer.

Therefore, according to this, the customer does not take home only the old bankbook, and the new bankbook can be reliably handed over to the customer, thereby making it possible to prevent crime and protect the customer's privacy.

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of an automatic passbook issuing device according to the present invention. In the figure, 1 is a control unit that controls the entire device, and this control unit 1 includes a passbook microcomputer, memory, I10 port, etc. It is composed of a circuit and is connected to a terminal controller, which will be described later, via an interface section 2.

3 is a file section such as a floppy disk drive (FDD) in which a program for controlling the passbook issuing mechanism section, which will be described later, is recorded; 4 is a buffer memory for temporarily storing the account data of the passbook in which carryover has occurred; The file section 3 and buffer memory 4 are connected to the control section 1.

5 is an I10 control unit, and 6 is a passbook issuing mechanism unit connected to the control unit 1 via this I10 control unit 5, which performs printing operations of the passbook issuing mechanism unit 6, reading and recording customer information as described below, etc.
The operations necessary for bankbook entry and bankbook issuance are controlled.

The front of the passbook issuing mechanism section 6 is provided with a passbook insertion/ejection lower for inserting and ejecting passbooks and a display section (not shown), and in the middle of the interior is a print mark for printing on the old passbook or new passbook. A printer unit 9 consisting of a print head 8 as a means and its drive system, etc., and a platen 10 facing the print head 8 are provided, and a passbook storage for storing a predetermined amount of new passbooks is provided at the rear. There are provided passbook stackers Ila and 11b, which are means, and a passbook import box 12 for importing passbooks that are no longer needed or forgotten by the customer.

Between the passbook insertion/ejection lower and the print head 8, there is a first conveyor belt, which is comprised of a conveyor belt for conveying the passbook inserted by the customer and a new passbook to be newly issued, and rollers supporting the conveyor belt. A path 13 is provided, and in the middle of this first conveyance path 13, there is a device that reads customer information recorded on the magnetic stripe section of the passbook, which will be described later, or writes customer information on the magnetic stripe section when a new passbook is issued. A magnetic stripe reader/writer 14, which is a means for reading and recording recorded customer information, is disposed. An optical reading sensor 15 is provided to detect previously printed page codes and printed lines. ``And furthermore, the print head 8 and the passbook stacker 11m,
11b and the intake box 12, a second conveyance path 16 consisting of a conveyor belt, rollers, etc., similar to the first conveyance path 13, is provided. A turn page roller 17 is arranged as a page change means for turning over the cover of the passbook and changing pages of the inner paper, and a new passbook feeding means is provided corresponding to the passbook stackers 11a and 11b. There is.

With the above configuration, the automatic passbook issuance device is equipped with the function of printing the passbook stage and the function of issuing a new passbook. The structure is located directly above (or directly below) the

Like the first conveyance path 13 and the second conveyance path 16, this evacuation conveyance path 18 is composed of a conveyance belt, rollers, etc., and one end is configured to merge with the first conveyance path 13. , a switching blade 19 is arranged near the merging portion.

In the figure, 20 is a drive source for the first conveyance path 13 and the second conveyance path, and 21 is a drive source for the evacuation conveyance path 18.

Figure 2 (I) @ is a schematic diagram of a system in which an automatic passbook issuing device having the above-mentioned configuration is shared by multiple automatic transaction devices; in the figure, 22 is an automatic passbook issuing device, and 23 is an automatic transaction device. 24 is a local line, and 25 is a terminal computer connected to a host system consisting of a host computer, etc. In FIG. 2 (I), there are multiple automatic transaction devices 23 and one automatic passbook issuing device. 22 to the terminal controller 2 via the local line 24.
In the case of FIG. 2, the automatic bankbook issuing device 22 is connected directly to each automatic transaction device 23.

Each automatic transaction device 2 has a depositing machine, a dispensing machine, a depositing and dispensing machine, a passbook recording machine, a card reader, etc., and an operation section, a display section, etc. on the upper front side. It has a function of automatically performing transaction processing such as deposit/withdrawal and bankbook entry when the customer performs key operations on the operation section.

FIG. 3 is a flowchart showing the operation of the above-mentioned configuration.
The operation will be explained based on FIG. 3, FIG. 1, and FIG. 2.

First, when a customer inserts a passbook into the automatic transaction device 23 and performs a predetermined key operation, transaction processing such as deposit/withdrawal processing and passbook entry is performed.When a passbook carryover occurs in this transaction processing, the automatic transaction device 23, the automatic passbook issuing device 22 is notified of the account information and the like of the passbook as carryover occurrence information.

In this case, there are several ways to notify the carryover information, such as transmitting it via the higher-level terminal controller 25 or host system computer, or directly transmitting it from the automatic transaction device 23 to the automatic passbook issuing device 22. The carryover information thus notified to the automatic passbook issuing device 22 is stored in the buffer memory 3 via the interface section 2 and the control section 1.

When the transaction process is completed, the passbook is ejected from the automatic transaction device 23, and a message is displayed on the display section of the automatic transaction device 23 instructing the customer to receive the passbook and issue a new bankbook using the automatic passbook issuing device 22. The transaction at the automatic transaction device 23 is completed when the customer who sees this display receives the passbook.

There may also be a case where the customer who receives the passbook takes the passbook home.In this case, the carryover information is held in the puffer memory 4 for a certain period of time, but is deleted after that period. The fixed period here refers to, for example, while the automatic passbook issuing device 22 is powered on, or when similar information stored in the buffer memory 4 becomes full.

Now, in a normal case, when a customer receives a passbook from the automatic transaction device 23 as described above, the customer goes to the automatic passbook issuing device 220 and inserts the passbook into the passbook insertion/ejection lower.

In the automatic passbook issuing device 22 , when a passbook is inserted, the insertion of the passbook is detected by a detection means (not shown), and the drive source 20 is thereby operated and the passbook is transferred to the magnetic stripe reader/writer 14 via the first conveyance path 13 . transported to the location. Then, the magnetic stripe reader/writer 14 [C] reads customer information such as the account number recorded in the magnetic stripe section of the passbook, and the read customer information is transferred to the I1.
When the customer information is sent to the control unit 1 via the control unit 5, the control unit 1 compares this customer information with carryover occurrence information stored in the buffer memory 4.

Here, if it is confirmed that the carryover occurrence information corresponding to the customer information is not in the buffer memory 4, it is treated as a mere passbook entry. That is, if there is unrecorded transaction data, the passbook is transported by the first transport path 13 and is read by the optical reader 15.
After the printed lines, etc. are detected at , the transaction data is sent onto the platen 10 where the print head 8 of the printer unit 9 prints the transaction data, and the first conveyance path 13 sends the transaction data to the passbook insertion/ejection lower. It is returned to the customer by being sent back and discharged. Furthermore, if there is no unrecorded transaction data, the passbook is sent back from the position of the magnetic stripe reader/writer 14 to the passbook insertion/ejection lower via the first conveyance path 13, ejected, and returned to the customer.

In this case, unrecorded transaction data may be stored in a file on the host system and transferred to the automatic passbook issuing device 22 each time, or may be stored in a predetermined area of the file section 3 in advance and read out. Methods such as the following are adopted.

On the other hand, if it is confirmed that the carryover occurrence information corresponding to the customer information is present in the buffer memory 4, the control unit 1 reads the passbook carryover program from the file unit 3 and transfers it to the I10 control unit 9; Accordingly, the control section 9I10 controls the passbook issuing mechanism section 6 to perform the following processing.

First, in order to indicate that the old passbook corresponding to the passbook carryover occurrence information can no longer be reused, the old passbook is sent onto the platen 10 via the first conveyance path 13 and displayed by the print head 8. Alternatively, print "PADI" on the back cover, then send the old passbook back to the position of the magnetic stripe reader/writer 14 via the first conveyance path 13 to erase the customer information on the magnetic stripe section, and then evacuate the old passbook. It is conveyed to the position of one end of the conveyance path 18.

When the old passbook is thus sent to the position at one end of the evacuation conveyance path 1B, the switching blade 19, which had been waiting above so as not to interfere with the conveyance of the old passbook by the first conveyance path 13,
is rotated downward by a drive source (not shown), and the evacuation conveyance path 18 is driven by the drive source 21. Here, the old passbook is guided by the switching blade 19 and moved into the evacuation conveyance path 18, and when conveyed to a predetermined position, the drive source 21
is stopped, and the old bankbook is evacuated and held within the evacuation conveyance path 18.

After the old passbook is processed in this way, a new passbook is then fed out from the passbook stacker 11a or 11b by the feeding means, and the fed out new passbook is sent onto the platen 10 via the second conveyance path 16. The print head 8 prints the customer's name, account number, etc. on the cover. Thereafter, this new passbook is conveyed to the position of the turn page roller 17 by the second conveyance path 16, and after the cover is turned over by the turn page roller 17, it is sent back onto the platen 10 again, and then the print head 8 Predetermined printing is performed on the back side of the cover.

When the printing on the back side of the cover is completed, the cylinder 2 is moved to the conveyance path 16 again.
The new bankbook is conveyed to the position of the turn page roller 17, the inner page is changed, and then returned to the platen 10. The unrecorded transaction data is printed on the print head 8.
After the printing is completed, the new passbook is sent to the position of the magnetic stripe reader/writer 14 via the first conveyance path 13. Then, the control unit 1 reads out the information such as the account number read in the old passbook from the buffer memory 4 and makes necessary corrections, and then this information is recorded in the magnetic stripe section of the new passbook by the magnetic stripe reader/writer 14. be done.

In this way, when all the printing on the new passbook and the recording on the magnetic stripe section are completed, the new passbook is sent to the passbook insertion/ejection lower via the first conveyance path 13, and at the same time, the old passbook is transferred to the evacuation conveyance path 18. The passbook is sent to the passbook insertion/ejection lower, and the old passbook and new passbook are ejected in a pile.
A message instructing the customer to receive the passbook is displayed on the display section, and when the customer receives these two passbooks, the new passbook issuance process is completed.

In the above embodiment, the new passbook and the old passbook are simultaneously ejected from the same passbook insertion/ejection lower.
Another passbook ejection port may be provided in addition to the passbook insertion/ejection lower, so that the old passbook and the new passbook can be simultaneously ejected from separate ports.

Furthermore, in the above-mentioned embodiment, a system was described in which one automatic passbook issuing device 2'2 is shared by a plurality of automatic transaction devices 23. It is also possible to incorporate the automatic passbook issuing device 22.

In this case, even if a passbook is carried over in a transaction on the automated teller machine 23, there is no need to remove the carried forward passbook, that is, the old passbook, from the automated teller machine 23, and the customer can also receive the old passbook and transfer it to another machine. There is no need to insert it into the computer, and the process can be performed with a series of operations of one device.

Furthermore, although the above-mentioned embodiment has been described as an automatic passbook issuance device that has the function of recording unrecorded transaction data, it may also be an automatic passbook issuance device that only has the function of issuing a new passbook.
In this case, if it is combined with an automatic bankbook entry device, the same effect can be achieved.

〔Effect of the invention〕

As explained above, the present invention provides an evacuation conveyance path for evacuating old passbooks that have been carried over in an automatic passbook issuing device, and when it is confirmed that the passbook inserted into the device has been carried over by a customer, The old passbook is moved to the evacuation conveyance path and held temporarily, and after a prescribed process for issuing a new passbook is performed, this new passbook and the old passbook held in the evacuation conveyance path are At the same time, it is discharged from the device and the customer receives it, so there is no need for the customer to return home without receiving the new bankbook, as was the case in the past, and it is possible to ensure that the customer receives the new bankbook. This makes it possible to obtain crime prevention effects, as well as the ability to protect customer privacy, which is also useful for improving services.

[Brief explanation of drawings]

Fig. 1 is a block diagram showing one embodiment of an automatic passbook issuing device according to the present invention, Fig. 2 is a schematic diagram of a system using the automatic passbook issuing device and automatic transaction device of Fig. 1, and Fig. 3 is an embodiment. 3 is a flowchart showing the operation of FIG. 1...Control unit 4...Buffer memory 5...I
10 Control unit 6... Passbook issuing mechanism unit T... Passbook insertion/ejection port 8... Print head 11a, 11b... Passbook stacker 13... First conveyance path 14... Magnetic stripe reader/writer 16...Second conveyance path 17
... Turn page roller -8 ... Evacuation conveyance path 19
...Switching Plaid Patent Applicant Oki Electric Industry Co., Ltd. Agent Patent Attorney Takashi Kanakura (I) Schematic diagram illustrating an example of use of automatic passbook issuing device @ 2 Flowchart illustrating the operation of the embodiment - 3 accounts (I [)

Claims (1)

[Claims] 1. An automatic passbook issuance device having the functions necessary for issuing a new passbook, which includes an evacuation conveyance path in the device so that carryover of passbooks inserted into the device by a customer is confirmed. The device is characterized in that, after the old passbook is temporarily evacuated to the evacuation conveyance path and processing for issuing a new passbook is performed, the new passbook and the old passbook are ejected from the device at the same time. Automatic passbook issuing device. 2. The automatic passbook issuing device according to claim 1, characterized in that the outlet for the new passbook and the old passbook are the same outlet.