JPS628837B2 - - Google Patents

Description

[Detailed Description of the Invention] The present invention is used in cash handling machines such as automatic teller machines (hereinafter sometimes simply referred to as AT) and automatic cash dispensers (hereinafter sometimes simply referred to as CD). The embossed information on the cash card was
The present invention relates to a card reading/printing device that transfers and prints a refund bill used when manually withdrawing deposits at a financial institution such as a bank.

In recent years, cash handling machines such as ATs and CDs have become popular in banks and the like. For example, when you want to withdraw money from a deposit, you can easily withdraw cash using a cash card from an automatic cash handling machine installed inside or outside the bank without going to the bank counter.

However, for some reason, an error may occur in which cash cannot be withdrawn from the cash card even though there is sufficient balance in the bank account. There are various causes of errors, such as operator error or an error in registering at the center when issuing the magnetic card.

In such cases, if cash cannot be withdrawn, services to users will deteriorate and the credibility of the financial institution will be affected.

For this reason, users are now able to manually withdraw cash by having them go to the counter and write a refund request as in the past, but many of the users who come to withdraw their deposits with a cash card do not use a personal seal. In many cases, they do not bring their own. Therefore, many financial institutions now allow cash to be withdrawn without the need for a personal seal.

This will be explained below using the drawings.

Fig. 1 is a perspective view showing an auxiliary system for when cash cannot be withdrawn with a cash card even though there is a balance in the account, 1 is a PIN input device having a numeric keypad 2 for entering a PIN; It is a card reading/printing device having a card insertion slot 4, and is connected to a central computer via a line 5, for example, but it may be offline.

Now, when a user tries to withdraw cash using a cash card, if the cash cannot be withdrawn for some reason as mentioned above, the user can use a cash card installed on the counter, for example, in addition to the AT or CD. A cash card is inserted into the card insertion slot of the card reading/printing device 3, and a password is input from the numeric keypad 2 of the password input device 1.

Guidance at this time can be provided automatically by a machine such as an AT or CD, but in many financial institutions etc., the guidance is installed near the counter, so a bank employee can explain it to you.

When the PIN is entered, it is sent to the center along with the PIN read by the card reading/printing device, and the center receives the PIN read from the cash card and the PIN entered by the user using the numeric keypad 2. If a predetermined relationship is obtained, an OK signal is sent to the card reading/printing device 3.
Return to In the case of an offline system, the system is equipped with its own verification device and performs the same process. Card reading/printing device 3
Then, the user separately copies the embossed information of the cash card instead of the seal onto the refund bill that includes the refund amount, name, etc.

At financial institutions, cash is paid using the refund invoice, but with conventional card reading and printing devices of this type, if the cash card and refund invoice are stacked and inserted into the card slot, the cash A refund bill was sometimes inserted overlapping the magnetic stripe of a Tsushiyu card, making it impossible to read the information on the magnetic stripe.

To explain in more detail with reference to FIGS. 2 and 3, FIGS. 2 and 3 are diagrams showing in detail a printing unit provided inside the card reading/printing device 3 for copying embossed information on a cash card. FIG. 2 is a side view, and FIG. 3 is a front view. Figures 2 and 3
In the figure, 6 is a cash card with an embossment 6a and a magnetic stripe 6b, 7 is a refund bill in which the user writes the refund amount, name, etc., and 8
An ink roller moves on the embossed portion 6a of the cash card 6 relative to the embossed portion, and a magnetic head 9 moves relatively on the magnetic stripe 6b to read deposit information.

Cash card 6 inserted by user
If the refund request form 7 overlaps the magnetic stripe 6b as shown in FIG. 3, the information recorded on the magnetic stripe 6b cannot be read by the magnetic head 9. There were flaws.

Therefore, even if a personal identification number is input from the personal identification number input device, it cannot be verified and an error occurs, resulting in the inconvenience of the user being unable to withdraw cash.

SUMMARY OF THE INVENTION The present invention solves this drawback and provides a card reading/printing device that can read and collate information on magnetic stripes even when a cash card and a refund bill are inserted together. be.

FIG. 4 is a front sectional view showing one embodiment of the present invention, and FIG. 5 is a plan view thereof.

In FIGS. 4 and 5, reference numeral 10 denotes a first channel 10 which is installed at the bottom of the feeding path 11 for cash cards, etc., with its upper part slightly protruding, and feeds the cash card 6 so as to press it against one side wall 12. In this feeding mechanism, this example shows a roller that is supported at a predetermined angle with respect to the feeding direction.
It may be one that shakes its head to move the cash card 6 toward one side wall 12 when a force is applied in the feeding direction.In short, as long as there is a function that allows the cash card 6 to move toward one side wall 12 and feed, the above-mentioned mechanism can be used. The examples are not limited to.

13 is a second feeding mechanism that presses the refund bill 7 and the cash card 6 from above the refund bill 7 and feeds the refund bill 7 along the other side wall 14; The present invention is not limited to this example as long as it has the function of feeding the refund bill 7 along the other side wall similarly to the feeding mechanism.

In addition, although the first feeding mechanism 10 and the second feeding mechanism 13 are shown to be separated from each other in FIG. 4, they are actually in pressure contact with each other, and the cash card 6 and the refund bill 7 are extremely thin, and the elasticity of the surfaces of the first feeding mechanism 10 and the second feeding mechanism 13 causes the surfaces to absorb dents.

Furthermore, the first feeding mechanism 10 and the second feeding mechanism 13 may be installed in series in the feeding direction, and a pressure roller having no width adjustment function may be opposed to each of them.

Reference numerals 15 and 16 designate a third feeding mechanism that feeds the cash card 6 and the refund bill 7 that have been fed along the respective side walls without particularly aligning them.

17 is cash card 6 or refund bill 7
18 is a first sensor that detects that a cash card has been fed, 19 is a second sensor, and 20 is a refund bill. This is a third sensor that detects the presence or absence of.

Next, to explain the operation, first, the user uses AT or
If you are unable to withdraw cash due to some mistake even though you have a balance on your CD, etc., fill in the required information such as the amount you wish to withdraw, your name, date, etc. on Refund Request Form 7 and send it to your cash card. 6 and insert the card into the card insertion slot 4 of the card reading/printing device 3.
Insert from.

At the time of insertion, the refund bill 7 may overlap the magnetic stripe 6b depending on how much the user has inserted the refund bill 7 and the cash card 6. , some are off the magnetic stripe, but they vary.

The insertion detection sensor 17 installed near the insertion slot detects the insertion of the cash card 6 as shown in FIG.
When it is detected that the refund bill 7 has been inserted, the first feeding mechanism 10 rotates and feeds the cash card 6 along one side wall 12 as shown in FIG. The second feeding mechanism 13 rotates and feeds the refund bill 7 along the other side wall 14.

Eventually, the cash card 6 is connected to the first sensor 1.
When it is fed to position 8, it is detected as shown in FIG. 6C, and based on the detection output, the information recorded on the magnetic stripe 6b is read by the magnetic head 19 as shown in FIG. 6E.

Next, when a PIN number is input manually from the PIN input device 1, a verification device (not shown) establishes a predetermined relationship between the PIN number read by the magnetic head and the PIN number input manually. It is checked whether the relationship holds true or not, and when a predetermined relationship is obtained, the third sensor 20 is activated as shown in FIG.
to confirm that the refund bill has been fed to the designated location. Next, as shown in Figure 6,
The ink roller 8 comes into pressure contact with the embossed part 6a, moves relatively to transfer the information on the embossed part 6a onto the refund bill 7 while being pressed against the bottom surface 11 of the feeding path. Eventually, when the rear end of the cash card 6 is advanced beyond the position of the second sensor 19, the sixth
It is detected as shown in FIG. 6D, and the reading is completed, and at the fall of the reading operation, the feeding is stopped as shown in FIG. 6B.

Next, a first feeding mechanism, a second feeding mechanism, a third feeding mechanism,
The feeding mechanism is reversed and the cash card 6 and refund bill 7 are fed back to the insertion slot.

When the cash card 6 and the refund bill are removed, it is detected by the insertion detection sensor as shown in FIG. 6A, and feeding is stopped as shown in FIG. 6B. The user can go to the counter with the refund bill 7 on which the embossed information has been transcribed and refund cash.

As described in detail above, according to the present invention, the PIN number is read from the magnetic stripe on the inserted cash card, and the PIN number is manually entered from the manual setting device. When a predetermined relationship is obtained between the password read from the stripe and the password input from the manual setting device, the card reading/printing device transcribes the embossed information on the cash card onto the refund bill; a first feeding mechanism that feeds the cash card along one side wall; and a second feeding mechanism that feeds the refund bill along the other side wall.
By removing the refund bill from the magnetic stripe of the cash card, the trouble of not being able to read the PIN number on the magnetic stripe is eliminated, and cash can be transferred smoothly even without a seal. This has the effect of allowing you to receive payment.

Also, the cash card and refund bill are
Since it is distributed to the left and right on the horizontal plane during feeding, it is possible to construct a thin device, and the time from inserting the cash card through the card insertion slot 4 to reading the PIN number etc. with the card reader is quick. Can configure the device.

[Brief explanation of the drawing]

Fig. 1 is a perspective view showing an auxiliary system of a cash dispenser, Fig. 2 is a side view showing a part of the inside of a conventional card reading/printing machine, Fig. 3 is a front view thereof, and Fig. 4 is a part of the present invention. FIG. 5 is a front sectional view showing the embodiment, FIG. 5 is a plan view thereof, and FIG. 6 is a diagram for explaining the operation. 1...Password input device, 2...Numeric keypad, 3
...Card reading/printing device, 4...Card insertion slot, 5...Line, 6...Cash card, 7...
...Refund bill, 8... Ink roller, 9... Magnetic head, 10... First feeding mechanism, 13... Second feeding mechanism, 15, 16... Third feeding mechanism,
17... Insertion detection sensor, 18, 19, 20...
sensor.

Claims (1)

[Scope of Claims] 1. Read the PIN number from the magnetic stripe on the inserted cash card, input the PIN number by manual operation from the manual setting device, and manually match the PIN number read from the magnetic stripe. When a predetermined relationship is obtained between the password and the password input from the setting device, a card reading/printing device that transfers the embossed information on the cash card onto the refund bill transfers the cash card to one side. a first feeding mechanism that feeds the refund bill along the same side; and a second feeding mechanism that feeds the refund bill along the other side opposite to the one side surface; A card reading/printing device characterized in that, after inserting a cash card and a cash card in an arbitrarily overlapping manner, the refund bill is removed from the magnetic stripe of the cash card by distributing and feeding left and right on a horizontal plane. .