JPS6383897A - Gold note processing system with automatic cash transactor - Google Patents

Abstract

(57) [Abstract] 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 a processing method for automatically converting cash vouchers guaranteed by a financial institution into cash or depositing money into an account.

[Conventional technology]

For example, when exchanging a cash voucher guaranteed by a financial institution, such as a check issued by a bank, conventionally the cash voucher had to be submitted to the financial institution's counter and the prescribed procedures were completed by the financial institution's staff. However, it takes a considerable amount of time to redeem the vouchers9, and there is the inconvenience of not being able to redeem the vouchers unless it is during the business hours of the financial institution. There is a demand for the realization of cash conversion and cash conversion outside of business hours of financial institutions.

In order to meet these demands, it is currently necessary to automate the cash exchange procedures performed by clerks, but there are the following problems in realizing this automation.

[Problems that Hatmon tries to solve]

In other words, when redeeming a cash voucher, it is necessary to confirm the validity of the voucher itself and the validity of the data written on the voucher by the drawer, etc., but this confirmation requires verification of handwritten signatures. Because it includes elements that are extremely difficult to mechanically accurately verify, such as the Even so, it is expected that the device will be extremely expensive, so there remains a major problem in putting it into practical use.

The present invention was made in order to solve these problems and meet the demands of customers, etc.: F17' (currently used as a customer card (Il) card or IC card in financial institutions) as a basis for e-reliability. , focused on automatic cash transaction devices that allow customers to deposit and withdraw cash by their own operations, and developed this automatic cash transaction Ka
The purpose of the present invention is to provide a cash voucher processing method that can automatically exchange cash vouchers and deposit money under the conditions that E is used.

[Means for solving problems]

To achieve the above object, the present invention provides a card reader conventionally used in financial institutions.

A cash voucher processing system that has a function of reading information including the amount given to a cash voucher and printing it on the cash voucher as necessary, in an automatic teller machine equipped with a cash deposit/dispensing machine and a means for determining transactions. A machine is added to exchange cash vouchers and process deposits.

[Effect]

The present invention having the above-mentioned configuration reads the information on the coupon and customer card brought by the customer by the card reader and the coupon processing machine, respectively, and uses the read information to determine the validity of the coupon and the customer's card by the judgment means. Determine credibility.

When it is confirmed that the voucher is valid and the customer has credibility, the voucher is stored in a voucher processing machine and the same amount of cash as the voucher is paid using a cash deposit/withdrawal machine, or Deposit money into your customer's account.

Therefore, Koshiyon makes it possible to automatically exchange cash vouchers and make deposits in a short time using automated teller machines, which previously could only be done at the counters of financial institutions. It is now possible to exchange and deposit money even when the company is not operating, which has a great effect on customer service.
Moreover, by using an automated teller machine, this can be realized at low cost.

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a flowchart showing an example of a cash voucher processing method using an automatic cash transaction device of the present invention, FIG. 2 is a functional block diagram of an automatic cash transaction device to which this embodiment is applied, and FIG. A perspective view showing the appearance of the transaction device, FIG.
This is a side view showing the structure of the ticket processing and punching in the figure.

First, the configuration of the automated teller machine will be explained with reference to FIGS. 2 to 4.

In FIG. 2, reference numeral 1 denotes a control section of the apparatus, which has a memory 2 for storing information.

3 is a cash deposit/disbursement machine, 4 is a card reader/writer, 5 is a cash voucher processing machine, and 6 is an operation section, which are connected to the control section 1.

Here, the control unit 1 controls the cash depositing and dispensing machine 3 based on information input by the customer via the operation unit 6. Card reader writer 4. In addition to controlling the voucher processing machine 5, the display unit, and receipt issuing board, etc., which will be described later, to perform operations necessary for transactions, it also controls various judgments necessary for transactions, collation of data, and information exchange with the host computer of the center. etc.

Next, in FIG. 3, reference numeral 7 denotes a housing of the device, and inside this housing 7, together with the control section 1, there is a cash deposit/withdrawal machine 3, a card reader/writer 4. The circuits and mechanical parts of the cash voucher processing machine 5, etc. are housed in a storage arrangement, and the customer service section set at the top of the front of the housing 7 is used to select and input the type of transaction and whether it is cash or vouchers. Transaction selection keys 6a1, numeric keypad 6b for inputting a PIN number, payment amount, etc., and confirmation key 5c for inputting approval to continue the transaction during the processing of a cash deposit transaction.
, and a cancel key 6d for inputting cancellation of a transaction, etc., as well as a display section 82 with a CRT display for providing guidance on customer operation procedures necessary for transactions. A 9° card insertion/return opening 10 and a coupon insertion/return opening 11 are provided.

Here, the deposit/withdrawal port 9 is used for inserting cash into the cash depositing/dispensing machine 3 when a customer makes a deposit, or using the cash depositing/dispensing machine 3 when making a withdrawal.
A part where customers receive cash to be paid from
It also serves as an outlet for receipts issued from a receipt issuing machine (not shown).

Further, the card insertion/return slot 10 is a part for inserting and returning a customer card issued by a financial institution, and when the customer card is inserted through the card insertion/return slot 10, the data written on the card is The card reader/writer 4
is read, and new data is written as necessary.
It has become so.

Further, the cash voucher insertion/return port 11 corresponds to the cash voucher processing machine 5, and is a part for inserting cash vouchers such as checks brought by the customer or for returning the cash vouchers when a transaction using the cash vouchers is not completed.

Now, FIG. 4 is a side view showing the structure of the cash voucher processing machine 5 as described above, and this cash voucher processing machine 5 contains information for determining the authenticity of the cash voucher, the amount of money written on the voucher, account information, etc. It is equipped with the function of reading the information and printing necessary information on the coupon, and the details are explained below.

First, as seen in this figure, the coupon insertion/return port 11 is located at the front end, and a storage section 12 for storing coupons is provided at the rear end. and the coupon insertion/return opening 11 are connected by a conveyance path 14 consisting of a feeding roller driven by a motor 13, a feeding belt, and the like.

15 is a magnetic head for reading the magnetic pattern printed on the coupon using magnetic ink (MICR); 16 is an optical reading unit that optically reads the tint pattern, payer's name, amount, etc. printed on the coupon; 17 is an optical reading section The print head 18 is a platen disposed opposite to the print head 1T, and these are arranged in a predetermined positional relationship along the conveyance path 14.

19 and 20 are storage boxes for storing passbooks, certificates, etc., 2
1 and 22 are feeding means for feeding out bankbooks etc. one by one from the storage boxes 19 and 20.
2 is not directly related to the present invention, and will be explained later.

In addition, although not shown, the cash voucher processing machine 5 is also provided with a detection means for detecting the position of the cash voucher.

The cash depositing and dispensing machine 3 also includes a separating means for separating the cash inserted by the customer from the cash withdrawal port 9 one by one, a discriminating means for distinguishing the authenticity of the cash, and a counting means for counting the cash.
It consists of a safe for storing cash, a blowing and dispensing means for feeding cash from the safe into which cash is taken, and a cash conveyance path connecting these, but this is not known in the public domain. Therefore, it is not shown in the drawings, and detailed explanation thereof will be omitted.

In the above configuration, the present embodiment performs the payment processing shown in FIG. 1, and details thereof will be explained below with reference to FIGS. 2 to 4.

In addition, 81 to 18 in FIG. 1 indicate processing steps,
I will explain according to this.

First, when the customer selects a deposit transaction using the transaction selection key 6a of the operation section 6 at Sl, and inserts the customer card from the card insertion/return slot 10, the customer's name written on the magnetic stripe of the customer card is The card number and balance data are read by the card reader/writer 4 and stored in the memory 2 of the control unit 1.

Further, at this time, in the case of a cash voucher, guidance is provided on the display unit 8 to prompt the user to press a key to specify the cash voucher.

In S2, the control unit 1 determines whether the deposit is cash or a voucher, depending on whether the key specifying the voucher is pressed. If it is cash, the process moves to S3 and the deposit process is performed as usual. However, since this cash deposit processing is well known, the explanation thereof will be omitted.

When the cash deposit processing is completed, the process moves to S15, the customer card is returned from the card insertion/return slot 10, and the transaction is completed.

On the other hand, if the deposit is determined to be a cash voucher in step S3, guidance is given on the display section 8 to prompt the customer to enter the PIN number in response to a command from the control section 1.As a result, in step S4, the customer When the PIN number is input at step 6b, the input PIN number is compared with the PIN number retrieved from the customer file of the host computer using the customer card by the control unit 1 at step 85, and the so-called identity verification is performed. is carried out and spread.

Here, if the PIN numbers match, the control unit 1 will issue a command to prompt the customer to enter the deposit amount manually and insert the cash voucher on the display unit 8. When the amount e is entered using the numeric keypad 6b and the coupon is inserted through the coupon insertion/return slot 11, the input amount is sent to the control section 1 and stored in the memory 2, and then, in S7, the coupon processing machine executes the procedure as follows. 5, the reading of the information printed or written on the coupon is carried out II).

That is, in the cash voucher processing machine 5, when the insertion of a cash voucher is detected by a sensor or the like (not shown), the motor 13 is driven to convey the cash voucher through the conveyance path 14 to a reading position corresponding to the magnetic head 15, and the magnetic head 15 reads the cash voucher. The magnetic pattern printed by the magnetic ink is read. Thereafter, the cash voucher is again conveyed through the conveyance path 14 and positioned at a reading position corresponding to the optical reading section 16, and the optical reading section 16 prints or writes on the cash voucher.

The information read by the magnetic head 15 and the optical reading section 16 is sent to the control section 1 and stored in the memory 2.

The control section 1 compares the information sent from the coupon processing machine 5 with information previously stored in the memory 2 or information transferred from a file at the center to determine the validity of the coupon at steps 88-SIO.

That is, in S8, it is verified whether the magnetic ink pattern, background pattern, drawer, etc. are registered in a file, etc., and it is determined from this whether the coupon is genuine or not.

Further, in S9, it is determined whether the amount input in S6 and the amount read in 87 match or not, and in SIO, it is determined whether or not the account read in S7 exists.

If these 88 to SIOE chairs are also cleared, the presence or absence of the customer's credibility is further determined in SII. The standard for this judgment is, for example, the balance in the customer card account, and comparing this balance to see if the amount of the coupon is within a certain range. I can't think of a way to make it unreliable if it exceeds the limit.
Ru.

If it is determined in step 811 that the coupon is reliable, it is assumed that the coupon is tradable, and in step 812, the coupon is conveyed to the printing position on the platen 18 by the conveyance path 14 and positioned, and the information read from the customer card is transferred. That is, the customer's name, account number, etc. are printed on the cash voucher by the print head 17, and after the printing is completed, the cash voucher is further conveyed through the conveyance path 14, dropped into the storage section 12, and stored.

Note that printing on the coupon is not necessary if the examination is performed using an electronic file.

Thereafter, in response to a command from the control unit 1, guidance is displayed on the display unit 8 prompting the user to press a key for specifying cash in the case of cash exchange.In S13, the control unit 1 determines whether or not the key is pressed. In the case of cash exchange, the cash depositing and dispensing machine 3 performs a cash payment process in accordance with a command from the control unit 1 in step 814.

This cash payment process is the same as the cash process in normal withdrawal transactions, so I will not explain it in detail, but to put it simply, first, cash is withdrawn from the safe for the amount of the coupon.
After passing through the , discrimination and counting processes, the money is transported and accumulated at the deposit/withdrawal slot 9.
Ru. Then, payment is made to the customer through the deposit/withdrawal port 9 along with a receipt on which payment details are printed on a receipt issuing machine (not shown).

When the cash payment process is thus completed, the customer card is returned from the card insertion/return slot 10 in S16, and the n1 transaction is completed.

On the other hand, if it is determined in S'13 that the money is not converted into cash, it is treated as a deposit; f'L, and the process moves to S15. That is, a receipt on which deposit details are printed by the receipt issuing unit is released from the deposit/withdrawal port 9, and the card reader/writer 4 adds the amount of the coupon as balance information to the customer card.In addition, the balance in the host computer is updated. Ru.

After this deposit processing, the customer card is returned from the card insertion/return slot 10 in S16, and the transaction is completed.

If the PIN numbers do not match in S5, the reason why the transaction is not possible is displayed on the display section 8, and then the process moves to 316, where the customer card is returned from the card insertion/return slot 10. The transaction will not be completed.

In addition, if it is determined in S8 that the coupon is not genuine, S
If the amounts do not match in step 9, if it is determined in step S10 that the relevant account does not exist, or if it is determined in SLL that the customer is unreliable, the reason for the non-transaction is that Guidance is displayed on the display unit 8, and the process moves to S17, where the coupon is returned from the coupon insertion/return slot 11.Then, at 818, the coupon is returned from the card insertion/return slot 10, and the transaction is unsuccessful.

In the above-mentioned embodiment, a case is explained in which an automatic teller machine is used which is equipped with the voucher processing machine 5 as one independent mechanical part, but as mentioned above, the voucher processing machine 5 is equipped with a magnetic head. 15, an optical reading section 16, and a print head 17, it can also be used as a passbook entry machine, passbook issuing machine, certificate issuing machine, etc. In that case, the storage box 19 and 20 shown in Fig. 4 can be used. Store passbooks, certificates, etc. to be issued in the storage unit 21. and use the feeding means 21. as necessary.
22 to send them to the conveyance path 14.

〔Effect of the invention〕

As explained above, the present invention provides an automated teller machine with a cash voucher processing machine, and allows the card reader and the cash voucher processing machine to collect information including the customer card brought by the customer and the amount given to the cash voucher. The validity of the coupon and the credibility of the customer are determined by the judgment means based on the read information, and when it is confirmed that the coupon is valid and has the credibility of the customer, the coupon is placed in the coupon processing device. At the same time, cash equivalent to the amount of the coupon is paid using a cash deposit/withdrawal machine or deposited into the customer's account.

Therefore, automatic teller machines can automatically exchange cash vouchers and deposit money in a short time, which could previously only be done at the counter of a financial institution, even when the financial institution is not open, such as at night or on holidays. It is now possible to exchange money and deposit money, which can be expected to have a great effect on customer service.

In addition, the use of automated teller machines not only has the advantage of being inexpensive, but also has the advantage of providing customer card credibility, which is advantageous in terms of business security. Become something.

[BRIEF DESCRIPTION OF THE DRAWINGS] FIG. 1 is a flowchart showing an embodiment of a cash voucher processing method by an automated teller machine of the present invention, and FIG. 2 is a functional block diagram of an automated teller machine to which the embodiment is applied. 3 is a perspective view showing the external appearance of the apparatus shown in FIG. 2, and FIG. 4 is a side view showing the structure of the bill processing machine shown in FIG. 2. 1: Control unit 2: Memory 3: Cash deposit/withdrawal machine 4: Card reader/writer 5: Voucher processing machine 6: Operation unit 8: Display unit 9: Deposit/withdrawal port 10: Card insertion/return port 11: Voucher insertion/return port 12: Storage section 13: Motor 14: Conveyance path 15: Magnetic head 16: Optical reading section 17: Print head patent Applicant: Oki Electric Industry Co., Ltd. Agent Patent attorney: Takashi Kanakura, 1K automatic transaction binding book Block diagram woman 2 times cash automatic transaction bag 11'! i's perspective 7 幇 3 b

Claims (1)

[Scope of Claims] 1. A card reader/writer having a function of reading information written on a customer card issued to a customer by a financial institution and writing new information on the customer card as necessary; A cash voucher processing method using an automated teller machine equipped with a cash depositing and dispensing machine that processes cash deposits and withdrawals, and judgment means that determines the validity of information necessary for transactions. The automated teller machine is equipped with a cash voucher processing machine that has the function of reading information including the amount of money received and storing cash vouchers as necessary, and the cash vouchers and customer card information brought by the customer are processed by the card reader and the cash voucher processing machine. The validity of the coupon and the customer's credibility are determined by the judgment means based on the read information, and when the coupon is confirmed to be valid and the customer has the credibility, the coupon is stored and A cash voucher processing method using an automatic cash transaction device, characterized in that cash equal to the amount of the cash voucher is paid by a cash deposit/withdrawal machine or deposited into a customer's account.