JPS63120366A - Form preserving type automatic transaction processor - Google Patents

Abstract

PURPOSE:To improve the service to customers by drawing a form out of an automatic transaction processor when a transaction requires description on the form and continuing transaction after acceptance of reinsertion of the form. CONSTITUTION:When a deposit account with a special limit of amount is selected, communication is carried out with a center. If it is decided that its transaction is possible, a sheet of application form is drawn out of a stocker 46 and the necessary items are printed on the form. These necessary items include the name and the address of a customer, etc., and the data on these items are received from the center in its communication mode. The application form with which a printing job is finished is ejected and collected into a collection box 45 after another application form is inserted. If the time limit is over before no form is inserted again, the failure of transaction is decided and a bankbook and the cash are returned to the customer or an amount is forcibly added within a deposit limit for taxation.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Industrial Field of Application The present invention requires the storage of transactions by Miba Taku in addition to the magnetic storage of transaction data. For example, the present invention relates to a paper-storing automatic transaction processing device that can process procedures for opening a deposit account under the Small Savings Tax Exemption System (hereinafter referred to as "Maru-yu").

(b1 Summary of the Invention The paper storage type automatic transaction processing device according to the present invention stores paper sheets with fields to be filled in by the customer inside the device, and discharges the paper sheets at the time of a predetermined transaction. When the paper is filled in the specified fields and reinserted into the device, the device continues the transaction.The inserted paper is stored inside the device.

This makes it possible to process transactions that require writing on paper in addition to magnetic recording of transaction data, as well as transactions that require affixing a seal, etc., in an unmanned operation state.

(C) Conventional Technology Automatic transaction processing devices installed in financial institutions have recently been improved in functionality so that they can perform bank transfer transactions such as in-person withdrawal transactions. These transactions are automatically processed by electronically transmitting and receiving data when the customer presses a transaction key on the device.

(d) Problems that the invention aims to solve By the way, transactions conducted at financial institutions include transactions that require filling out an application form and stamping a seal, such as opening a Maruyu deposit. Traditionally, in order to conduct such transactions, customers had to go to the branch during the financial institution's counter business hours, which created time constraints, which increased the workload of financial institution staff during the counter business hours. There was a problem.

This invention was made in view of these problems.
An object of the present invention is to provide a paper storage type automatic transaction processing device capable of processing transactions that require filling out forms, stamping, etc., during unmanned operation.

(Means for solving the e1 problem) This invention has seven paper stockers for stocking forms in which columns are set for customers to fill in when making a transaction, and an ejector for discharging the paper when accepting a transaction. The present invention is characterized in that it is provided with a receiving means for accepting reinsertion of the ejected paper, and a storage means for storing the reinserted paper.

(f) Function In the paper-storing automatic transaction processing device of the present invention, when a transaction that requires filling out a form and stamping is made, such as opening a Maru-yu deposit account, the device discharges the Maru-yu deposit declaration form and sends the customer a form. When the customer fills out the required fields on the form and reinserts it into the device, the device executes the deposit transaction. The inserted paper will be saved.

A staff member later inspects the inserted form, and if the required information is filled in, it will be considered that the deposit was deposited at the time of deposit. It is sufficient to process the amount as if it had been deposited into the deposit account.

(Phantom Embodiment Figure 2 is an external view of an ATM that is an embodiment of this invention.A transaction display 1.Deposit transaction is displayed on the vertical panel surface of the customer operation panel of this ATM to indicate the transaction status when the device is operating. A passbook insertion slot 2 for inserting a passbook and a card insertion slot 3 for inserting a card are installed, and a banknote withdrawal slot 4° CRT 5 and a coin withdrawal unit 7 are installed on the horizontal panel surface. A touch panel switch 6 is attached to the surface of the CRT 5 to detect whether or not a finger or the like touches the CRTS and its position.At each stage of a transaction, the CRT 5 displays transaction content selection keys and a numeric keypad, and the customer selects them. The touch panel switch 6 detects the depression of a key.

FIG. 3 is a block diagram of the control section of the ATM. This control section is composed of a so-called master-slave system in which a main control section that controls the operation of the entire device and an auxiliary control section that controls the operation of each operating section are connected via a bus.

The main control unit 11 includes a master CPU (M-CPU) 10, a ROM 10a that stores a control program, and a RAM 10.
The auxiliary control units 13a to 13f are slave C.
PU (S-CPU) 12a to 12r, 5-CPU each
ROMs 24a to 24f that store operating programs, and RAMs 25a to 25 that store various input and output data.
It is composed of f.

A bill depositing and dispensing machine 14 is connected to the auxiliary control section 13a, which counts the bills to be dispensed and discharges them to the person's withdrawal section 4. A pill checker 15 is connected to the auxiliary control section 13b, which determines the authenticity of banknotes deposited from the person's withdrawal number 4. The auxiliary control unit 13C includes a slip issuing machine 16 that issues a transaction statement slip.
A card reader 17 that reads a card inserted from the card insertion slot 63 is connected to the card reader 17 . Auxiliary control section 13
A passbook printing machine 18 for printing transaction results on a passbook is connected to d. This passbook printing machine 18 has the function of printing transaction results on the inserted deposit passbook, and also has the functions of printing, discharging, and accepting a confirmation letter for opening a Maruyu deposit account, as will be described later.

The auxiliary control unit 13e includes a keypad device 21 including the touch panel switch 6 and a display unit 2 including the CRT 5.
2 are connected. A coin processing machine 19 that processes coin deposits and withdrawals from the coin deposit and withdrawal lower is connected to the auxiliary control section 13f. Further, a transmission control unit 20 for communicating with the center via a dedicated line is connected to the internal bus. This transmission control section 20 has a transaction system transmission section that communicates with a center provided with a deposit account file via a dedicated line, and a monitoring system transmission section that is connected to a remote monitoring device (RMC).

The second figure is a schematic structural diagram of the passbook printing machine 18. A passbook sensor 40 is provided inside the passbook insertion slot 2 to detect the insertion of a passbook or paper, and a conveyance roller 41 is installed toward the inside of the device.
2. A print head 421 for printing transaction data and the like on the bankbook is provided, and a page turning device 43 for turning the pages of the bankbook. Further inside this page turning device, a stocker 46 for application forms for opening a Maruyu deposit account is provided.

When a transaction to open a deposit account is selected, one sheet of paper is pulled out from this stocker and delivered to the customer from the bankbook insertion slot 2 via the conveyance path. A branch conveyance path is provided in between, and is connected to a collection box 45 provided below the conveyance path.The collection box 45 is used to collect passbooks that have been forgotten to be removed, or to be reinserted after filling in prescribed items. This is for stocking the above application forms.

FIG. 1 is a flow chart showing the deposit processing operation of the ATM. This operation starts when the deposit key displayed on the CRT 5 is pressed, accepts insertion of a passbook in step nl (hereinafter referred to as step ni simply), and checks whether the inserted passbook is valid or not in step n2. Make a judgment based on data. If the passbook is valid, the cash input is accepted at n3, the inserted cash is counted, and the amount is displayed on the CRT 5 (n4). When the customer presses the confirmation key for the displayed amount, the process proceeds to n6 based on the judgment at n5, and the designation of the type of deposit account is accepted at n6 and n7. That is, a fixed deposit account or a regular deposit account is selected at n6, and when a fixed deposit account is selected, a designation of whether the deposit is a Maruyuu limit deposit or a taxable deposit is accepted at n7.

If it is a regular deposit or a taxable fixed W1 deposit, proceed to n8 and communicate with the center, and if 2 transactions are possible, it will be determined by n9.
Proceed to lO, and in n10, the transaction result is printed on the bankbook, the bankbook is ejected (nil), and the operation ends.

On the other hand, when a deposit account with a Maru-yu limit is selected, the process proceeds from n7 to n12, and communication is made with the center at n12. If a transaction is possible as a result of the communication, proceed to n14 based on the judgment in n13, take out one application form from the stocker 46, and send it to the printer 42.
The necessary information is printed (n15). Necessary information is the customer's name, address, etc., and these data are already stored in the center, and these data are received during communication with the center in n12 and are used as print data. After printing the application form, eject it (n16) and wait until the paper is reinserted. , waits at n19. If the application form is to be reinserted, the application form is collected in the collection box 45 at n18, and then the process proceeds to nlO. If the time limit has elapsed without the paper being reinserted, the process advances from n19 to n20 and the corresponding process is performed. The corresponding processing is processing such as returning the passbook cash etc. as a failed transaction or forcibly depositing money into the taxable deposit limit.

In addition, if the inserted passbook is not valid, n2 to n
If the deposited amount is not confirmed, or if it is determined that there is a transaction load in n9 and n13, the process proceeds to n22, where the passbook and cash are returned and the operation ends.

The conveyance roller 41 and n14. n16 corresponds to the ejection means of this invention, n17 corresponds to the reception means of this invention, and n18 and collection box 45 correspond to the storage means of this invention.

(H1 Effects of the Invention) According to the present invention, in the case of a transaction that requires filling in a form, the paper is fed out from inside the device, and the transaction is continued after the paper is reinserted. Even in the case of unmanned operation of automatic transaction processing equipment, it is possible to process transactions that require filling out forms, contributing to improving customer service.Furthermore, various transactions can be performed even outside of counter business hours. As a result, financial institutions have the advantage of increasing transaction volume.In addition, if the information on the reinserted form is incorrect,
This can be treated as a transaction that does not require paper reinsertion (for example, depositing money into a savings account), and the corresponding transaction can be completed when the written content is completed.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the deposit transaction processing operation of an ATM which is an embodiment of the present invention, FIGS. 2 and 3 are an external view of the ATM and a block diagram of the control unit, and FIG. FIG. 2 is a schematic structural diagram of a passbook printing device provided. 45-Collection box, 46-Stocker.

Claims (1)

[Claims] (1) It has a paper stocker for stocking forms with fields to be filled out by the customer when making a transaction, an ejecting means for ejecting the forms when accepting a transaction, and a reception desk for accepting the reinsertion of ejected forms. 1. A paper-storing automatic transaction processing device, comprising: a storage means for storing reinserted paper;