KR100834460B1 - Automatic teller machine and method for processing thereof - Google Patents

Abstract

The present invention relates to an automated teller machine for depositing and withdrawing a large amount of checks and a method of processing the same. The present invention is provided with an input unit for inputting / ejecting a large amount of checks simultaneously. Checks placed lengthwise into the input section are separated one by one by a check deposit separator. In addition, the present invention includes a reading unit for reading the serial number of the inserted check. In the present invention, the transfer path of the withdrawal check is formed using the transfer path of the deposit check. Therefore, one printing portion for printing certain information is provided in the check to be put / ejected. The present invention is provided with a storage unit for storing the inserted checks in a stacker method, and a plate for horizontally dividing the storage unit in accordance with the final deposit confirmation is opened to temporarily store a check. Accordingly, the present invention can deposit a large amount of checks at the same time, there is an advantage that can be used as a check deposit module only if removing the withdrawal module.

Automated Financial Instruments, Check Input, Check Deposit Module

Description

Automatic teller machine and its processing method {AUTOMATIC TELLER MACHINE AND METHOD FOR PROCESSING THEREOF}

1 is a block diagram of an automated teller machine according to a preferred embodiment of the present invention;

2 is a detailed configuration diagram of the automatic teller machine shown in FIG.

3 is a flow chart showing step by step a check deposit method of the automated teller machine according to an embodiment of the present invention.

`` Explanation of symbols for main parts of drawings ''

10: check deposit portion 11: input portion

11a: first plate 11b: return unit

11c: door 12: deposit check separator

13: first thickness detecting unit 14: reading unit

15: printing unit 16: deposit check storage unit

16a: second plate 16b: temporary integration unit

17: Cancel check separation unit 20: Check withdrawal unit

30 control unit 31 input unit

32: display unit 33: communication module

34: hard disk

The present invention relates to an automatic teller machine, and more particularly, to an automatic teller machine for depositing and withdrawing a large amount of checks and a processing method thereof.

The automated teller machine has the advantage that it can carry out its business even if it does not go to the bank by storing and depositing media such as cash, check, and paper.

However, the conventional automated teller machine has the following problems when depositing a check.

First, the conventional automated teller machine must receive checks one by one in the form of a single deposit, even if two or more checks are simultaneously deposited by the forced deposit by the feed module. As a result, not only the trouble caused by the single deposit, but also the normal deposit processing of two or more checks is impossible.

In addition, the conventional automated teller machine has a structure in which a check inserted is integrated between belts. As a result, the number of checks that can be deposited in one transaction is limited (typically within 10 sheets) due to the narrow accumulation space.

In addition, the conventional automated teller machine does not have a path and a space for collecting a return check, and if the inserted check is not normally read or two or more simultaneous checks are input, all the checks already inserted are returned.

In addition, as the transfer paths of the deposit check and the withdrawal check are separately formed, the printing portion must also be provided respectively.

 As such, the conventional automated teller machine has a problem of inconvenience in use at the time of deposit check.

Accordingly, the present invention has been made to solve the above problems, an object of the present invention is to provide a financial automated device for processing a large amount of checks and a processing method thereof.

Another object of the present invention is to provide a financial automated machine having a return path and a space for a return check.

Still another object of the present invention is to provide a financial automation device suitable for use as a check deposit module when unifying the transfer path of checks and withdrawals and removing the withdrawal module.

According to a feature of the present invention for achieving the above object, the present invention is the input unit for receiving a large amount of media required for the printing of the customer information or issued information at the time of deposit / withdrawal and separating the medium by one A first separator, a first detector for sensing the thickness of the separated media, a reader for reading the media information printed on the sensed media, and a customer who put the media into the normal media as a result of the reading And a printing unit for printing information, a first storage unit for storing the printed medium in a stacker manner according to a final deposit confirmation command, and a control unit for controlling a storing process of the medium.

The present invention, the second storage unit for storing the medium for the withdrawal transaction, the second separation unit for separating the discharged medium one by one when the command for discharging the medium and the thickness of the separated medium is sensed It further comprises a second detection unit, the control unit preferably prints the issue information associated with the withdrawal transaction to the discharged medium, and controls to be discharged through the input unit.

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It is preferable that the said medium is a check.

The input unit may include a first plate horizontally divided to temporarily store the returned medium, and the first plate may be operated by the controller to horizontally divide only when the door of the input unit is closed. .

The first storage unit may include a second plate horizontally divided to form a space for temporarily accumulating the printed medium, and the second plate may be opened by the controller receiving the final deposit confirmation command. desirable.

The first storage unit may further include a third separation unit that separates the temporarily integrated media one by one when the media is canceled, and a moving module that vertically lifts the second plate to assist in the separation operation of the third separation unit. It is preferable to comprise.

The control unit may be configured to open the second plate to integrate the temporarily integrated medium in the first storage unit when the final deposit confirmation command is input.

The control unit may control to return the medium to the return unit through a return path when two or more media are simultaneously transported.

The control unit is preferably configured to check whether the medium information printed on the medium has been read normally and to return the medium which has not been normally read.

The control unit preferably controls to discharge the discharged medium through a return path of the injected medium.

The module for injecting the medium and the module for discharging are preferably configured to be detachable.

The input module is preferably configured to be used as an input-only module when the discharge module is separated.

In addition, according to another feature of the present invention, the present invention is a step of putting a large amount of media that requires customer information or customer information when depositing / withdrawal, separating the media one by one, printing on the separated media And reading the read media information, and storing the read media in a stacking manner according to a final deposit confirmation command.

The separating step may include detecting a thickness of the separated medium, checking whether two or more sheets are simultaneously transferred using the detected thickness, and when the two or more sheets are simultaneously transferred as a result of the inspection, And returning the medium.

In the returning step, it is preferable to return the media transferred at least two sheets through a return path.

In the reading step, it is preferable to read the medium information printed on the medium by an optical character reading method.

In the reading step, if the medium information printed on the medium is not normally read, the medium is returned through the return path.

The returned medium is temporarily accumulated in a return unit, and is preferably returned when the input of all the inserted media is finished.

Preferably, the present invention further comprises the step of separating and reading the medium which has been returned during the separation and reading process.

Preferably, the present invention further comprises the step of separating and returning the temporarily integrated media one by one according to the instruction for canceling the input of the media.

The present invention preferably further comprises the step of discharging the stored medium through the return path when a command for discharging the medium occurs.

It is preferable that the said medium is a check.

Hereinafter, with reference to the accompanying drawings will be described in detail the automated teller machine and its processing method according to an embodiment of the present invention.

1 is a block diagram of an automated teller machine according to a preferred embodiment of the present invention, and FIG. 2 is a detailed block diagram of the teller machine shown in FIG.

In the present embodiment, the automated teller machine will be described as an example of processing a check.

1 and 2, the automated teller machine according to an embodiment of the present invention is provided with a check deposit unit 10 for receiving a large amount of checks simultaneously and performing a deposit transaction.

The check deposit unit 10 is driven by a control unit 30 that controls not only cash / cheque / jiro paper receiving / outgoing transactions but also entire financial transactions.

The structure of such a check payment part 10 is demonstrated.

The check deposit unit 10 is provided with an input unit 11 for receiving a large amount of checks (for example, 50 or more). The input unit 11 also performs a discharge function when withdrawing a check. The input unit 11 is composed of a customer access module (Customer Access Module) that can be input at the same time as the cash input / withdrawal unit of a general automated teller machine. However, the input unit 11 is formed to deposit the check in the longitudinal direction, unlike the customer access module of the cash in / out section for reading the check serial number.

In addition, the input unit 11 is provided with a first plate 11a that horizontally divides the space of the input unit 11 and is selectively opened and closed under the control of the controller 30. The first plate 11a is in an open state when the door 11c of the customer access module is opened. When the check is inserted and the door 11c is closed, the first plate 11a accumulates checks returned among the checks. It is in a closed state to form the return portion 11b.

The deposit check separator 12 for separating and transferring the checks input to the input unit 11 one by one is provided. The deposit check separator 12 generally applies the first feed roller 12a to be sequentially inputted from the lowest check and the check introduced from the first feed roller 12a to separate and transfer the sheets one by one. It consists of the 2nd feed roller 12b and the pressure roller 12c.

A first thickness detector 13 for detecting a thickness of the check transferred from the deposit check separator 12 is provided. The first thickness detecting unit 13 generally uses an optical sensor or an ultrasonic sensor. The first thickness detector 13 transmits a detection signal according to the detected thickness to the controller 30.

A reading unit 14 is provided for reading the serial number of the check conveyed through the first thickness detecting unit 13. The reading unit 14 reads the serial number printed by the magnetic ink by magnetic ink character recognition and transmits the read check information to the control unit 30.

A printing unit 15 is provided for printing customer information on a check transferred through the reading unit 30 or printing information such as an issue point and an issue date on a check to be withdrawn.

In addition, the deposit check storage unit 16 is provided with a check that is normally read and printed check deposit. The middle part of the deposit check storage unit 16 is provided with a second plate 16a that is selectively opened and closed under the control of the control unit 30. When the second plate 16a is closed, a temporary accumulator 16b on which the check is temporarily accumulated by the second plate 16a is formed on the upper side of the deposit check storage unit 16. Accordingly, the temporary accumulator 16b accumulates the checks by a stacker stacking method of stacking one by one.

When the second plate 16a is opened by the control of the control unit 30 that has received a final deposit confirmation command from a customer, the check accumulated in the temporary accumulator 16b is moved downward to store the deposit check. Finally stored in (16).

In addition, when a deposit cancel command is input instead of the final deposit check command, the second plate 16a is controlled by the control unit 30 by a moving module not shown to return the temporarily accumulated check to a customer. It rises vertically upwards. In addition, a cancellation check separator 17 for separating the sheets one by one to return the check accumulated in the temporary accumulator 16b is provided. The cancel check separator 17 separates the check accumulated in the temporary accumulator 16b one by one from the check at the top.

After the cancel check separator 17, a cancel check transfer path CCL for transferring the check to the return unit 11b is formed. Therefore, the check is transferred to the return unit 11a along the canceled check transfer path CCL and accumulated. In this case, when the first plate 11a is in a closed state and the door 11c is opened, the first plate 11a is also opened to move the accumulated check downward.

On the other hand, after passing through the reading unit 14 and the printing unit 15, the check is inserted into two or more at the same time instead of one by one in the deposit check separator 12, the reading unit 14 and printing unit 15 A return check transfer path (RCL) is returned to the return unit 11b. Checks not normally read by the reading unit 15 also pass through the printing unit 15 and are returned to the returning unit 11b along the return check transfer path RCL.

In the automated teller machine, a check transfer to each device is generally performed as the roller and the pulley are driven by the control of the controller.

Next, a withdrawal check unit 20 for performing a withdrawal transaction is provided.

The check withdrawal unit 20 includes a withdrawal check keeping unit 21 for storing checks for withdrawal transactions, a withdrawal check separating unit 22 for separating checks stored in the withdrawal check storing unit 21 one by one; The second thickness detecting unit 23 detects a thickness of the separated check and transmits the detected signal to the control unit 30.

In addition, the check on which the thickness is detected is transferred to the printing unit 15. The printing unit 15 prints the issued information such as the issue point and the issue date on the withdrawn check.

The check in which the issue information is printed is transferred to the return unit 11c via the return check transfer path RCL. As such, a transfer path of the withdrawal check is formed using the path of the deposit check. Therefore, when removing the check withdrawal unit 20, it is possible to configure a check deposit module.

In FIG. 1, the automatic teller machine includes an input unit 31 for receiving an operation command including a transaction selection and a final deposit confirmation command, a display unit 32 for displaying the operation state and a menu, and an occurrence in the financial transaction. Communication module 33 for transmitting and receiving financial information to and from the financial host, and various programs and data for processing the financial transaction and a hard disk 34 for storing the financial information is provided.

In addition, the automated teller machine may be provided with a cash deposit and withdrawal unit (not shown) and a branch storage unit (not shown).

Hereinafter, a processing method of an automatic teller machine according to a preferred embodiment of the present invention will be described in detail with reference to FIGS. 1 to 3.

3 illustrates a check deposit method of the automated teller machine shown in FIG. 1 step by step. This is performed by the controller 30 shown in FIG.

In the tenth step S10 of FIG. 3, when the check receipt payment is selected through the input unit 30, the control unit 30 receives a large amount of check by opening the door 11c of the input unit 11. At this time, the first plate 11b is in an open state, and the check is accumulated on the bottom of the input unit 11.

In the twelfth step S12, the control unit 30 closes the door 11c and drives the deposit check separator 12 to separate and transfer the checks one by one. At this time, the first thickness detector 13 detects the thickness of the separated check and transmits the detection signal to the controller 30 (S14). Then, the controller 30 checks whether two or more checks are simultaneously transferred according to the detection signal (S16).

When one check is normally transferred, the control unit 30 controls the reading unit 14 to read the serial number of the check in the eighteenth step S18. Subsequently, the controller 30 checks whether the serial number of the check is normally read (S20). In the normal reading, the control unit 30 controls the printing unit 15 to print the customer's information on the check, and accumulates the check in the temporary accumulating unit 16b.

Meanwhile, when two or more checks are simultaneously transferred in the sixteenth step (S16), the controller 30 passes the simultaneously transferred checks through the reading unit 14 and the printing unit 15, and transfers the returned checks. Integrating into the return unit 11b via the path RCL (S17). In addition, in the twentieth step (S20), the control unit 30 passes checks which are not normally read through the printing unit 15 and accumulates in the return unit 11b through the return check transfer path RCL. In this way, checks simultaneously transferred two or more times and checks which are not normally read are accumulated together in the return unit 11b.

In the 26th step (S26), the control unit 30 checks whether all checks put into the input unit 11 have been transferred, and until the reading and printing process of all the checks is completed, the 12th step (S12) to the first step. Repeat step 26 (S26).

In step 28 (S28), the controller 30 checks whether there is a returned check in the return unit 11b. If there is a returned check, the controller 30 opens the door 11c and the first plate 11a to return the checks accumulated in the return unit 11b to the customer. At this time, the control unit 30 displays a message requesting confirmation whether or not to deposit the return check again on the display unit 32 (S30).

When the command to re-deposit the returned check is input through the input unit 31 in the thirty-second step S32, the control unit 30 repeatedly performs the twelfth step S12 to the thirty-second step S32. Perform reading and printing of rechecked checks.

When the customer check on the returned check is finished, in step 34 (S34), the control unit 30 displays the total input amount, customer information to be processed for deposit, and a message requesting confirmation of the final deposit on the screen of the display unit 32. To control. Subsequently, when the final deposit confirmation command is input from the customer through the input unit 31, the control unit 30 processes the deposit transaction (S36). At this time, the control unit 30 opens the second plate 16a to move the check accumulated in the temporary accumulation unit 16b to the deposit check storage unit 16. Then, the control unit 30 displays the balance and the deposit completion after the deposit transaction on the screen and controls to output a specification table (S38).

On the other hand, if a command for requesting cancellation of the deposit transaction is input from the customer in step 34 (S34) instead of the final deposit confirmation command, in step 35 (S35), the control unit 30 vertically raises the second plate. A check module accumulated in the temporary accumulator 16a by driving the moving module (not shown), the cancel check separator 17, and the transfer module to return through the cancel check transfer path (CCL) 11b. Transfer to. The control unit 30 opens the first plate 11a to move the check to the input unit 11, and then opens the door 11c to return the check accumulated in the input unit 11 to the customer. .

Next, the check withdrawal method of the automatic teller machine according to the preferred embodiment of the present invention will be described.

When a check withdrawal transaction is selected through the input unit 31, the controller 30 drives the withdrawal check separating unit 22 to separate the checks one by one from the withdrawal check storage unit 21. The second thickness detector 23 detects the thickness of the separated check and transmits the detection signal to the controller 30. Accordingly, the controller 30 determines whether two or more checks are simultaneously transferred. When the checks are transferred one by one, the control unit prints issuance information such as issuance point and issuance date to the check by using the printing unit 15 and transfers to the input unit 11 through the return check transfer path (RCL). do. On the other hand, when two or more checks are simultaneously transferred, the controller 30 drives the transfer module in the reverse direction and returns the transferred checks to the withdrawal check storage unit 21. Subsequently, the control unit 30 repeats the above process until the number of checks requested from the customer and the number of checks accumulated in the input unit 11 are the same at the time of selecting the check withdrawal transaction, and then opens the door 11c. Send the check to the customer.

Through the above process, the present invention receives a large amount of checks and processes them. In addition, the present invention, if two or more checks at the same time and if the normal reading is not, return them to the customer through the return path, and processes the deposit transaction depending on whether or not the final deposit confirmation.

In the above-described embodiment, the check depositing unit and the check dispensing unit have been described using a financial automated device. However, the present invention can be used as a check depositing module if the check dispensing unit is removed.

As described above, the present invention has the following effects.

First, the present invention can receive a large amount of checks at the same time through the customer access module.

The present invention temporarily processes checks according to the stacker stacking method, so that a large amount of checks can be processed.

In addition, the present invention can reduce the production cost because there is only one printing unit by unifying the deposit and withdrawal path, when removing the withdrawal module, it can also be used as a check deposit module.

Accordingly, the present invention has the advantage that it can take advantage of the market by improving the ease of use according to the check deposit transaction.

Claims (23)

An input unit that receives a large amount of media that requires the printing of customer information or issue information at the time of deposit / withdrawal, A first separator for separating the media one by one, A first sensing unit sensing a thickness of the separated medium; A reading unit that reads media information printed on the sensed medium; A printing unit for printing customer information in which the medium has been inserted into the normal medium as a result of the reading; A first storage unit storing the printed medium in a stacker manner according to a final deposit confirmation command; And a control unit for controlling the storing process of the medium. The method of claim 1, A second storage unit which stores a medium for withdrawal transactions; A second separator for separating the discharged media one by one when an instruction for discharging the media occurs; It further comprises a second sensing unit for sensing the thickness of the separated medium, The control unit prints the issuance information related to the withdrawal transaction to the discharged medium, and controls to be discharged through the input unit. delete The method of claim 1 or 2, wherein the medium, The automated teller machine, characterized in that the check. The method of claim 1, wherein the input unit, And a first plate horizontally partitioned to temporarily store the returned medium, And the first plate is operated by the controller to horizontally divide only when the door of the input unit is closed. The method of claim 1, wherein the first storage unit, A second plate horizontally divided to form a space for temporarily accumulating the printed medium, And the second plate is opened by the controller which has received the final deposit confirmation command. The method of claim 6, wherein the first storage unit, A third separator for separating the temporarily accumulated media one by one when the media is canceled; And a moving module for vertically raising the second plate to assist the separating operation of the third separator. The method of claim 6, wherein the control unit, And when the final deposit confirmation command is input, open the second plate to accumulate the temporarily integrated medium in the first storage unit. The method of claim 1 or 2, wherein the control unit, And if more than one medium is transported simultaneously, returning the medium to the return unit through a return path. The method of claim 1 or 2, wherein the control unit, And verify that the medium information printed on the medium has been read normally, and return the medium which has not been normally read. The method of claim 1 or 2, wherein the control unit, And discharging the discharged medium through a return path of the injected medium. The method according to claim 1 or 2, And a module for inputting the medium and the module for discharging are configured to be detachable. The method of claim 12, wherein the input module, When the discharge module is separated, financial automatic device, characterized in that configured to be used as a dedicated module for input. In the case of depositing / withdrawing a large amount of media that requires the printing of customer information or issued information, and Separating the media one by one, Reading media information printed on the separated media; And storing the read medium in a stacking manner in accordance with a final deposit confirmation command. The method of claim 14, wherein the separating step, Sensing the thickness of the separated media; Checking whether two or more sheets are simultaneously transferred using the detected thickness; And returning the medium when two or more media are simultaneously transferred as a result of the inspection. The method of claim 15, wherein the returning step, And processing a media that has been conveyed simultaneously in two or more sheets through a return path. The method of claim 14, wherein the reading step, And processing the information on the medium printed on the medium by an optical character reading method. The method of claim 14, wherein the reading step, And if the medium information printed on the medium is not read normally, returning the medium through the return path. 19. The method of claim 16 or 18, wherein the returned medium is And temporarily integrated in a return unit and returned when the input of all the inserted media is finished. The method of claim 14, And separating and reading the medium which has been returned from abnormality in the separation and reading process. The method of claim 14, And separating and returning the temporarily integrated media one by one according to the instruction for canceling the input of the medium. The method of claim 14, And discharging the stored medium through the return path when a command for discharging the medium is generated. The method of claim 14, wherein the medium, Method of processing a automated teller machine, characterized in that the check.

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