JPS6382545A - Consumer transaction facility - Google Patents

Abstract

PURPOSE:To prevent a difficulty from being produced in a succeeding transaction even when a transacting customer leaves in the page renewing stage of a passbook produced during the transaction by stopping or progressing the transaction based on the difference discriminated result of the passbook by a passbook processing means. CONSTITUTION:When it is necessary to renew the page in the passbook during the transaction using the passbook, the passbook is returned from a device according to a passing drive function by the passbook processing means 230. When another passbook different therefrom is inserted into the device after the passbook is returned, the difference between this separate passbook and the returned passbook is discriminated by the difference discriminating function of the passbook processing means 230. At the time of the discrimination, when it is discriminated that both the passbooks are different, the result is fed to a transaction proceeding control means 240. Thereby, the transaction proceeding control means 240 stops an existing transaction and starts the transaction through the separate passbook.

Description

[Detailed Description of the Invention] [Object of the Invention] (Industrial Application Field)
This invention relates to automatic transaction devices that automatically perform financial transactions such as deposits and withdrawals using transaction media such as bankbooks (referred to as "passbooks").

(Prior Art) In general, in this type of automatic transaction device, during a transaction using a passbook, the space between the entry sheets of the passbook becomes saturated with printing, making it necessary to change pages. In this case, in the conventional device, the passbook is once removed from the purchase unit, and the customer is prompted to change pages, and the transaction is continued when the passbook is inserted into the device again.

However, once the passbook has been ejected from the device during a transaction, M may accidentally enter the device, and in this case, even if another customer tries to insert his or her own passbook into the device, the passbook will not be accepted and the previous passbook will be replaced. There is a problem in that the device continues to be held until it is inserted, which has the disadvantage of interfering with smooth transactions by a large number of customers.

(Problems to be Solved by the Invention) 1) As mentioned above, the conventional device has the problem of interfering with the smooth progress of transactions at the page change stage of the bankbook during transactions.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide an automatic transaction device that does not interfere with subsequent transactions even if a customer in the process of transaction leaves the bankbook at the page change stage of the bankbook that occurs during the transaction.

[Structure of the Invention] (Means for Solving the Problems) The present invention provides an automatic transaction device that automatically performs deposit or withdrawal processing using a transaction medium, which has a function of driving a passbook, which is a transaction medium, into and out. and a passbook processing means having a function to distinguish between passbooks, and a transaction progress control means for stopping or proceeding with a transaction based on the passbook processing means' result of discriminating passbooks. In this system, when a different passbook is inserted, the existing transaction is canceled and a transaction using a different passbook is started.

(for production) Next, the operation of the device having the above configuration will be explained.

During a transaction using a passbook as a transaction medium, when it becomes necessary to change the pages of the passbook, the passbook is returned from the device by the in/out drive function of the passbook processing means. At this time, information such as an account number unique to the owner of this passbook is recognized by the difference discrimination performance of the passbook processing means.

If a different passbook is inserted into this device after the passbook is returned, the information such as the account number of this other passbook will be recognized by the above-mentioned difference discrimination function. The difference between the two is determined. If it is determined that the two are different during this determination, the result is sent to the transaction progress control means.

As a result, the transaction progress control means stops the existing transaction,
Start a transaction using another passbook.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic teller machine as an external wall-shaped automatic currency transaction device. That is, a customer service section 3 opened from an outer wall 2 of the building is formed on the front side of a casing 1 installed inside the building. This close-up section 3 is formed approximately at the center in the vertical direction of the housing 1, and includes a horizontal operation panel 4 and a horizontal operation panel 4.
It has a shape with a vertical operation panel 5 rising along the rear edge.

A keyboard 6 including a numeric keypad and a CRT display section 7 are arranged on the horizontal operation panel 4, respectively. Further, at the bottom of the vertical operation panel 5, there is an envelope takeout section 8. Envelope insertion slot9. Slip take-out port 10° and banknote take-out port 11. A passbook entry 12 and a card insertion slot 13 are arranged at the top.

Further, a speaker hole 14 is provided on the side surface of the close-up section 3, and a speaker (not shown) is built inside the speaker hole 14.

In general, the customer service department 3 includes the keyboard 6°CRT display section 7. Envelope removal section 8. Envelope insertion port 9° Slip removal port 10
．． Banknote outlet 11. A curved shutter 15 that can be opened and closed is provided to seal the speaker hole 14. The curved shutter 15 is provided for crime prevention, protection from wind, rain, and debris, and is made of transparent reinforced plastic in the shape of a portion of a cylinder with a certain curvature. Inside both sides of the customer service section 3, there are light emitting elements 16. A light receiving element 17 is provided, and these constitute a foreign object detector 18 that detects foreign objects such as paper, hands, etc. inside the curved shutter 15.

By the way, as shown in FIGS. 2 and 3, inside the housing 1, there is a card reading device 21 for reading information on an ID card inserted through the card insertion slot 13; A dispensing mechanism 22 for dispensing banknotes P. A passbook reading/printing device 23 that reads the magnetic stripe of the passbook inserted through the passbook insertion slot 12 and records transaction details in the passbook and journal. Envelope processing device 24, which is capable of adding predetermined printing to envelopes inserted through the envelope insertion opening 9 and taking them in, as well as taking out the envelopes one by one from the envelope take-out section 8. A slip issuing device 25 that issues a slip with transaction details printed on it to the slip outlet 10 as required. Power supply device 26.
Control device 27. A control panel 28 and several shutter receivers (not shown) for receiving the shutter 15 are accommodated therein.

FIG. 4 shows the passbook reading/printing device @23. That is, a pair of optical detectors 121 are provided inside the passbook insertion slot 12 and in contact with the passbook insertion slot 12 . The detector 121 is composed of a light source 122 and a light receiver 123. A conveyance path 124 is provided from the detector 121 toward the inside of the device 23. The conveyance path 124 includes rollers 1
A belt 126 stretched between 25° and 125°. It consists of a pinch roller 127 and upper and lower guide plates 128° and 129. Further, the guide plate 128 is provided with a page mark indicating the number of inserted pages of the passbook and a reader 148 that optically reads the last printed line.
A magnetic head 147 is disposed at 9 for reading data on the magnetic stripe of the bankbook. The pinch roller 127 is urged toward the roller 125 by a spring 130.

The roller 125 is connected to the pulse motor 13 via a belt 131.
2. A pair of presser guides 134 press down on the passbook by tilting upward toward a platen 133 positioned so that its peripheral surface protrudes above the transport reference plane S of the transport path 124. There is.

In front and behind the platen 133, there is a pair of presser guides 13 that hold down the bankbook that is tilted upward toward the platen 133.
4 is provided. Furthermore, a printer 135 is provided opposite the platen 133 via the conveyance path 124. This printer 135 is composed of a print head 136 and a carriage 138 that moves parallel to the platen 133 along a slide rod 137 while holding the print head 136. This carriage 138 is driven by a pulse motor (not shown). Furthermore, platen 1
Journal paper 139 is wound around 33. Is journal paper 139 sent out? ! 140 and is wound onto a winding shaft 141 via a platen 133. The journal paper 139 is pinched and conveyed by a feed roller 142 and a pinch roller 143 facing thereto. Pinch roller 143 is urged toward feed roller 142 by spring 130. The feed roller 142 and the take-up @141 are driven by a pulse motor 146 via belts 144 and 145. In addition, the winding I! ! 11
1141 rotates at a higher speed than the feed roller 142, and when the load becomes heavy, the belt 145 slips.

FIG. 5 schematically shows the electric circuit.

That is, the main control unit 201 controls the entire system, and the main memory 202 is configured of, for example, a ROM (read-only memory) and stores control programs and the like. The main control unit 21 and the main memory 202 control the trading status of this device and send signals to start trading.

The transaction signal control means 240 is configured to perform the transaction.

It has become. The print controller 203 outputs print data according to the English pattern in the memory 204 based on a signal from the main control unit 201, or outputs print data corresponding to the English pattern in the memory 204.
It outputs print data according to the Japanese pattern of 05, and the driver 206 is the pudding mill roller 20.
According to the print data from 3, the passbook reading/printing device 23
The driver 2 drives the printer 135 in the
Reference numeral 07 drives the printers 1 to 1 in the slip issuing device 25 in accordance with print data from the print controller 203.

Further, information such as an account number unique to each customer attached to the passbook inserted into the passbook reading/printing device 23 is temporarily stored in the memory 225, and a difference discriminating section 226 roughly determines whether a large number of passbooks are different or similar. It looks like this. The results of the discrimination by the difference discrimination section 226 are sent to the main control section 201.

The above-mentioned print controller 1 to roller 203, memory 204
．． 205 , driver 206 , passbook reading/printing device 23 , memory 225 , and same-identity determining unit 226 as passbook processing unit 23
0 is configured.

The operation/guidance print controller 208 is the main control unit 20
1 outputs display data according to the Japanese 3H pattern of memo 1 no. 209 or the English pattern of memory 210, or outputs operation data or voice selection signals according to the human power of the keys on keyboard 6, The driver 211 drives the CRT display section 7 in accordance with display data or operation data from the operation/guidance controller 208. The speech synthesizer 212 is the main control unit 2
Control signals from 01 or operation/guidance controller 2
By outputting an audio signal corresponding to Japanese audio data or an audio signal corresponding to English audio data to the speaker 216 via the amplifier 215 in response to the audio selection signal from 08, the speaker 216 outputs audio guidance. It is something that causes it to occur. This speaker 216 has a curved shutter 1
Since it is housed inside the 5-hole, it protects it from rain and wind and extends its lifespan.

The driver 217 drives the motor 194 for opening and closing the curved shutter in the forward or reverse direction in response to open and close signals from the main control unit 201, and also drives or reverses the motor 194 in response to the detection signal from the current detection circuit 218. It is something that stops. The current detection circuit 218 is a driver 217
The drive current is detected at different detection levels depending on whether the motor 194 is being driven in the forward direction or in the reverse direction.

On the other hand, the main control section 201 operates the timer circuit 219 when the curved shutter 15 is opened and the foreign object detector 18 detects a foreign object, and after a predetermined period of time has elapsed, the timer circuit 219 operates.
A closing signal for the curved shutter 15 is output to the driver 217 in response to a timeout signal supplied from the shutter 19 . The main control unit 201 also performs data transmission with the central processing unit 221 via a modem 220. The central processing unit 221 includes a modem 222. which controls data transmission. A host computer 223 that controls data processing. and a transaction information file 224 that stores transaction information.

Next, in such a configuration, FIG. 6 (a> to (e))
The operation will be explained with reference to the flowchart shown in , and mainly the page change operation when using a passbook. First, a user (customer) is displayed on the CRT display section 7. Operational guidance “Please insert your card or passbook” (ST1)
Insert the card into the card insertion slot 13 (ST2>
. Then, the data on the magnetic stripe of the card is read by the magnetic head 34 and supplied to the main control section 201. Thereby, the main control unit 201 checks the validity of the card (ST3). At this time, when the main control unit 201 determines the validity of the card, it outputs an issue signal to the print controller 203. Then, the print controller 203 uses the card reading device 21 to read the display pattern corresponding to the account number, bank code, and branch code from the memory 204, and transfers the display pattern to the driver 20.
Output to 6. As a result, the drive ba 206 causes the printer 135 in the bankbook reading/printing device 23 to print the data on the journal paper 139 (ST4).

When the main control unit 201 determines the validity of the card (ST5), it unlocks the curved shutter 15, sends a drive signal to the driver 217, rotates the motor 194, and opens the shutter 15.・5). Further, when the main control unit 201 determines that the card is invalid (ST5), the CRT display unit 7 displays “Card will be held”.
5T6) and either take the card into the aircraft or return the card to the passenger (ST7).

By the way, the customer is not able to see the message displayed on the CRT display section 7
Insert your passbook into the passbook insertion slot 12 while following the operation guide (ST1) that says "Please insert your card or passbook" (ST1).
T8). Then, the data on the magnetic stripe of the passbook is read by the magnetic head 147 and temporarily stored in the memory 225.

At this time, the page mark indicating the number of pages inserted by the customer and the final print mark are read by the reading unit 148 and requested to the main control unit 201. As a result, the main control unit 201 performs a check for final printing, and performs a passbook check depending on whether the page is printed at the end of all lines, printed up to the middle line, or printed on all lines. It is something (ST9). The detailed procedure for checking this passbook is explained in Part 6.
Shown in Figure (e).

As shown in the figure, it is determined whether the page is usable or not based on the last printed line read by the reading section 148 (ST271>).

If the page is unusable, regardless of the magnetic stripe page,
It is determined whether the page in the print groove is a new page or not (ST272). At this time, if the last printed line is the last line, the main control section 201 displays the operation guide "Please insert the passbook on the next page" on the CRT display section 7 (ST276).

When the customer who sees this display turns to the next page of the passbook and inserts it again, the data on the magnetic stripe is read by the magnetic head 147, as in the case described above.
The results are stored in memory 225.

The difference determination unit 226 takes in the previously stored data and the data after reinserting the passbook, and determines the movement of both (S
T280). Then, if it is determined that they are the same passbook,
The main control unit 201 determines whether the antilogous number of the page mark on the magnetic stripe is greater than the number 5T277>, and when it is larger, the magnetic head 147 updates the number of pages on the magnetic stripe by one 5T278> and reads the passbook. The passbook is ejected from the passbook insertion slot 12 (ST279>. On the other hand, when determining whether or not the page is a new page (ST272>), when it is determined that no printing has been performed and the page is new, the main control unit 201 prints the magnetic stripe. It is determined whether or not the page number of the page mark matches the page number of the page mark (ST273>. If they do not match, the main control unit 201
The RT display section 7 displays the operation guide "Please insert the passbook on the previous page"(ST274>), and the passbook is ejected from the passbook insertion slot 12 (ST275).

On the other hand, if the above-mentioned 5T280 determines that the passbook is a different passbook, that is, the customer who inserted the passbook to make a transaction mistakenly takes out the passbook in question from this device and leaves, and then the next customer When the passbook involved in the accident is inserted and the magnetic stripe data of this other customer's passbook is read by the magnetic head 147 and sent to the dissimilarity discrimination section 226, the main control section determines that the passbook is a different passbook. 201.

This causes the main control unit 201 to stop the existing transaction.
T281), 5 for a passbook inserted by another customer.
The process moves to T271 and subsequent steps.

If the main control unit 201 determines that the page is usable, (ST27
1) If it is determined that the number of pages on the magnetic stripe matches the number of pages on the page mark (ST273>, the process proceeds to the next step (ST11) shown in FIG. 6(a>). There is.

By the way, when the main control unit 201 checks the bankbook, it outputs an issue signal to the print controller 203. Then, the print controller 203 controls the magnetic head 1.
The character pattern corresponding to the account number, bank code, and branch code read in step 47 is read from memory 204, and the display pattern is output to driver 206. This causes the driver 206 to operate the printer 13 in the passbook reading/printing device 23.
In step 5, the above data is printed on the journal paper 139 (STIO).

When the main control unit 201 determines the format of the passbook and the validity of the passbook (ST11.12), the main control unit 201 operates in the same manner as in the case of the card described above and opens the curved shutter 5 (ST15).
). Further, if the format of the passbook is incorrect, that is, if there is an error in the insertion direction of the passbook, an illegal homepage, no page mark, or a page error, the main control unit 201 determines that the passbook is usable enough (ST31). On the CRT display section 7, “
Display the message "Your passbook is fully usable" (ST3
2) Eject the passbook from the passbook insertion slot. Further, when the main control unit 201 determines that the passbook cannot be used and is not a new page (ST31.34>, the main control unit 201 displays the operation guide “Please reinsert the passbook” on the CRT display unit 7 (ST31.34)).
T35), the passbook is ejected from the passbook insertion slot 12. Roughly speaking, the main control unit 201 determines that the passbook cannot be used and the page is new (ST31.34), and the CRT display unit 7
The operation guide "Please reinsert on the previous page" is displayed (ST36), and the passbook is ejected from the passbook insertion slot 12. Next, when the customer takes out his passbook in accordance with the above-mentioned operation guidance (ST33), the system waits for the customer again (ST33).
Return to T1). However, when the passbook is not handled by the customer even after a predetermined period of time has passed since the passbook was ejected, that is, when the main control unit 201 is ejected, the timer circuit 219
is activated, and when a bag picking signal is not supplied from the light receiving element 123 in the bankbook reading/writing device 23 within a predetermined time, a bankbook collection operation is performed. In addition, when the main control unit 201 determines that the passbook is invalid (ST12>, the main control unit 201 displays a message saying "Passbook will be put on hold" on the CRT display unit 5T1).
3) Take the passbook into the aircraft or return the passbook to the customer (ST14).

Next, the main control unit 201 causes the CRT display unit 7 to display an operation guide saying “Please enter your password” (
ST16). Then, the customer enters the PIN number on the keyboard 6.
When the signal is turned on (ST17), the signal is output from the operation/guidance controller 208 to the main control section 201. As a result, the main control unit 201 determines whether the PIN number read by the card reading device 21 or the PIN number read by the bankbook reading/printing device 23 and the PIN number input by the keyboard 6 satisfy predefined rules. If so, the main control unit 201 determines that the customer is the legitimate owner of the card or bankbook, and checks whether the retry counter is "3" (5T19), and if it is not "3", resets the retry counter to "3". 5T20>, if it is "3", proceed to the next step. Furthermore, if they do not match, or if the related system is incorrect, the main control unit 201 counts down the retry counter (5T21) and checks whether the retry counter is rOJ (ST22). rO
J, the main control unit 20.1 sets the retry counter to rO.
5T23>, the CRT display section 7 displays “Card,
Or, display a message that says ``Your bankbook will be put on hold'' (S
T24), collect the card or passbook (ST25)
to 27〉.

When the retry counter is other than rOJ, the main control unit 201
The operation guide "The password is incorrect. Please enter the password again or press the cancel button" is displayed on C.
It is displayed on the RT display section 7 (ST28>. When the cancel button is pressed, the main control section 201 rewrites the retry counter 5T30). Next, a card or passbook removal operation, which will be described later, is performed. When the password is input again, the operation starts again from step 17.

Then, after resetting the retry counter to 13'' (
ST20>, the main control unit 201 checks whether it is a card or not (5T34), and in the case of a transaction using a card, transmits the account number on the magnetic stripe of the card, that is, the representative account of the minority account, to the host computer 223 (ST35).

Then, the host computer 223 transmits a plurality of account numbers corresponding to the representative number stored in the transaction information file 224, the account type for each account number, and an account status signal to the main control unit 201. As a result, the main control unit 201 receives those messages (5T36),
The account status is determined (ST37). When the main control unit 201 determines that the transaction is completed until the final message (“40”), the main control unit 201 checks whether the account number is 1 (ST3).
8). If there are multiple accounts, the main control unit 201 causes the CRT display unit 7 to display the operation guide “Please select a trading account from the accounts below” and instructions for using the trading account selection key (ST
39). This type of display is defined as a multi-count method. This multi-count system eliminates the need for customers to carry multiple cards and allows them to easily select their desired account. At this time, if an account is not selected for a predetermined period of time or more, a card collection operation is performed. In addition, the main control section 2
01 means the account status in the message is transaction failed (“42”)
), the CRT display section 7 will display the reason for the failure, that is, the account cannot be found, the card has been stolen, or the request cannot be approved (ST4).
1). Roughly speaking, the main control unit 201 checks whether the card collection flag in the message is "'1" or "Ot+" (5T4).
2), Collect the “1” Togi card 5T43), “O
In case of II, the card is ejected from the card insertion slot 13. During this ejection, the customer should take out the card 5T44
), the next customer is waiting, and if the card is not taken out for a predetermined period of time, the card collection operation is performed.

Then, when the customer selects a transaction account displayed on the CRT display section 7 (ST40), when there is only one transaction account, or when a passbook is inserted, the main control section 201 selects the transaction account displayed on the CRT display section 7 (ST40).
The T-display section 7 displays the guidance "Please select a transaction type" and also displays the selection key for the transaction type corresponding to the transaction account (ST45.46).

For example, if the transaction account is a savings account, "Payment, Deposit, Transfer Transfer, Balance Inquiry, Statement Request, Check Book Request" will be displayed as shown in Figure 7. If the transaction account is a current account, "Payment, Deposit, Transfer" will be displayed. For credit accounts, select "borrow, cash return, deferred return, statement request"; for passbooks, select "payment, deposit, transfer, passbook entry, passbook request". instructions will be displayed.

In this way, only possible transaction items can be selected depending on the account type corresponding to the account number or whether a passbook is used or not, thereby making it possible to prevent the customer from selecting the wrong transaction item as much as possible. When this selection is displayed, if the customer does not select a transaction account even after a predetermined period of time has elapsed, the card or passbook is collected.

Then, the customer inputs the selection keyboard 6 of the transaction item displayed on the CRT display section 7 (ST4
．． 7>. At this time, the main control unit 201 checks the selection (ST48) and also checks whether the selection is valid (ST49). If the selection is not valid, that is, if a hardware error, end of banknote/envelope, or fullness is detected, the main control unit 201 displays on the CRT display unit 7, “Cash will be released. Please press the cancel button.” A guidance display (ST50), and a guidance display "The request cannot proceed. Please press the cancel button" is displayed (ST51). When the customer presses the cancel button according to this guidance (ST52), he or she then takes out the card or passbook, and if the cancel button is not pressed after a predetermined period of time, the card or passbook is collected.

On the other hand, if a valid selection is made, various transactions such as subsequent deposit processing and withdrawal processing are executed.

The present invention is not limited to the embodiments described above, and various modifications can be made within the scope of the invention.

For example, in the above-mentioned embodiment, the operation at the time of changing the passbook page before the withdrawal and deposit processing was explained, but this is not limited to this, and the operation is not limited to this. It can be implemented in exactly the same way in any case.

[Effects of the Invention] According to the present invention described in detail above, even if the customer changes when the bankbook page is changed during a transaction, the transaction for the new customer can be started immediately, and the transaction processing can be carried out smoothly. Automated transaction devices can be provided.

[Brief explanation of the drawing]

FIG. 1 is an external perspective view of an embodiment of the device of the present invention, FIGS. 2 and 3 are schematic sectional views of the same device, and FIGS. 6(a) to (e) are flowcharts showing the operation of the device. FIG. 7 is a plan view showing an example of display on the CRT display section of the device. 201... Main control unit, 202... Main memory, 2
30...Passbook processing means, 240...Transaction progress control means. 8th evil (C) Figure 6

Claims (1)

[Claims] In an automatic transaction device that automatically processes deposits or withdrawals using a transaction medium, there is provided a passbook processing means that has a function of driving the passbook, which is the transaction medium, to drive in and out of the passbook and a function of determining whether the passbook is different or similar, and a passbook using the passbook processing means. transaction progress control means that stops or advances the transaction based on the difference determination result, and if a passbook different from the passbook that is already being traded is inserted during the transaction, the existing transaction is canceled and the transaction is performed using a different passbook. An automatic transaction device characterized in that it starts.