KR101631791B1 - Financial device - Google Patents

Abstract

The present invention relates to a financial instrument. A financial instrument according to one aspect includes: a main body having a single media input / output unit, wherein the bill and check can be fed together in a bundle unit and the bill and check can be discharged together in a bundle unit; A passbook entry / exit unit provided in the main body and capable of entering and exiting a passbook; A card input / output unit provided in the main body and capable of inputting / outputting a card; A cover member for opening / closing a banknote of the media input / output unit and a storage space in which the check can be stored; A discrimination unit which can detect the state of the bill and the check inserted through the medium entry / exit unit; A banknote storage box disposed in the main body and storing banknotes for withdrawal; A check box disposed in the main body and storing a check for withdrawal; And a printing device for printing a check for withdrawal and a check for depositing into the media input / output section.

Description

Financial device

The present invention relates to a financial instrument.

Generally, a financial instrument is a device that processes a financial business desired by a customer. The financial instrument can deposit and withdraw the medium or automatically transfer the medium. For example, the financial instrument may deposit or withdraw bills and checks.

However, the conventional financial apparatuses are configured to deposit or withdraw bills and checks through separate inlet / outlet portions. That is, the financial instrument is provided with a bill input / output unit, a bill transfer path, and a bill processing module, a check input / output unit, a check transfer path, and a check processing module.

According to such a conventional financial instrument, banknotes and checks are processed separately, which complicates financial instruments and increases the time required for the customer to process the transactions.

Particularly, in the case of a conventional financial instrument, since a check is made to be deposited one by one, there is a problem that a check deposit time is considerably long.

SUMMARY OF THE INVENTION An object of the present invention is to provide a financial instrument capable of depositing or withdrawing bills and checks from a single input / output unit.

It is another object of the present invention to provide a financial instrument capable of simultaneously depositing checks in bundles.

According to one aspect of the present invention, there is provided a financial instrument comprising: a media input / output unit in which bills and checks can be commonly deposited; A discrimination unit for detecting the state of the bill or the check entered through the medium entry / exit unit; A check temporary accumulation unit for temporarily accumulating checks before depositing the check; A printing device for printing an incoming check; A check deposit for storing the deposited check; And a banknote storage box for storing the deposited banknotes.

According to another aspect of the present invention, there is provided a financial device comprising: a media input / output unit in which a bill and a check can be commonly withdrawn; A discrimination unit for detecting a state of a bill or a check to be withdrawn; A check deposit box where checks for withdrawals are stored; A banknote storage bin for storing banknotes for withdrawal; And a printing apparatus for printing a check stored in the check storage box, wherein the check printed by the printing apparatus passes through the discriminating unit in the lateral direction and is transferred to the media input / output unit in the lateral direction.

A financial instrument according to another aspect includes: a main body having a single media input / output unit, wherein the bill and check can be input together in bundles, and the bill and check can be discharged together in a bundle unit; A passbook entry / exit unit provided in the main body and capable of entering and exiting a passbook; A card input / output unit provided in the main body and capable of inputting / outputting a card; A cover member for opening / closing a banknote of the media input / output unit and a storage space in which the check can be stored; A discrimination unit which can detect the state of the bill and the check inserted through the medium entry / exit unit; A banknote storage box disposed in the main body and storing banknotes for withdrawal; A check box disposed in the main body and storing a check for withdrawal; And a printing device for printing a check for withdrawal and a check for depositing into the media input / output section.
A financial instrument according to another aspect includes: a main body having a single media input / output unit, wherein the bill and check can be input together in bundles, and the bill and check can be discharged together in a bundle unit; A passbook entry / exit unit provided in the main body and capable of entering and exiting a passbook; A card input / output unit provided in the main body and capable of inputting / outputting a card; A cover member for opening / closing a banknote of the media input / output unit and a storage space in which the check can be stored; A discrimination unit which can detect the state of the bill and the check inserted through the medium entry / exit unit; A banknote storage box disposed in the main body and capable of storing banknotes for withdrawal; A check box disposed in the main body and capable of storing a check for withdrawal; A printing device for printing a check for withdrawal and a check for depositing into the media input / output section; A check temporary accumulation unit for temporarily accumulating a check that has been discriminated by the discrimination unit; A first conveying unit that connects the media input / output unit and the discrimination unit, and in which a bill inserted through the media input / output unit and a check are commonly transported; And a second conveying unit capable of conveying bills and withdrawals for withdrawal from the banknote storage box and the check deposit box, and a second conveyance unit in which checks can be commonly transferred to the discriminating unit, The normal check of the check which has been inputted to the media entry / exit part and which has been discriminated once after passing through the discrimination part is transferred to the check temporary storage part and temporarily accumulated, and the abnormal check is discharged to the media input / output part.
The check that has passed through the discriminating unit once may be transferred to the check temporary accumulation unit without the printing process by the printing apparatus.
The financial device may further include a user interface for receiving a deposit confirmation command for depositing the banknote and the check in a state in which the discrimination between the banknote and the check inserted in bundles is completed.

According to the proposed invention, since a bundle of banknotes and / or checks can be deposited or withdrawn from a single medium input / output unit, the time required for depositing or withdrawing can be reduced and convenience for the user can be improved.

Further, since the bill and the check can be transferred to the distinguishing section by the common transfer section, there is an advantage that the structure inside the financial apparatus can be simplified.

1 is a perspective view of a financial instrument according to a first embodiment of the present invention;
2 is a configuration diagram of a financial instrument according to a first embodiment of the present invention;
3 is a schematic view of a check depository according to a first embodiment of the present invention.
4 is a control block diagram of a financial instrument according to a first embodiment of the present invention.
5 is a front view of a check;
6 is a flowchart illustrating a check deposit process according to the first embodiment of the present invention.
FIG. 7 is a flowchart illustrating a check withdrawal process according to the first embodiment of the present invention; FIG.
FIG. 8 is a schematic view showing a configuration of a check deposit box when a check is withdrawn according to the first embodiment of the present invention; FIG.
9 is a control block diagram of a financial instrument according to a second embodiment of the present invention.
10 is a view schematically showing a transfer process of bills and checks in a financial device according to a second embodiment of the present invention.
FIG. 11 is a flowchart illustrating a check deposit process according to a second embodiment of the present invention; FIG.
12 is a control block diagram of a financial instrument according to a third embodiment of the present invention.
13 is a flowchart illustrating a check deposit process according to the third embodiment of the present invention.
FIG. 14 is a control block diagram of a financial instrument according to a fourth embodiment of the present invention; FIG.
15 is a control block diagram of a financial instrument according to a fifth embodiment of the present invention.
16 is a view schematically showing a transfer process of bills and checks in a financial device according to a fifth embodiment of the present invention.
17 is a control block diagram of a financial instrument according to a sixth embodiment of the present invention.
18 is a view schematically showing a transfer process of bills and checks in a financial device according to a sixth embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals even though they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

A financial device according to an embodiment of the present invention may be a financial device that obtains various media such as banknotes, securities (including checks), giro, coins, gift certificates, etc. and processes and / or withdraws such as deposits, Such as processing such as issuance of paper money, release of paper money, release of gift certificate, and the like. Examples of such financial instruments include an automated teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be various devices for automating the financial business such as FIS (Financial Information System).

Hereinafter, an embodiment of the present invention will be described on the assumption that the financial instrument is a financial automatic instrument. However, this assumption is only for convenience of explanation, and the technical idea of the present invention is not limited to the financial automation equipment.

FIG. 1 is a perspective view of a financial instrument according to a first embodiment of the present invention, and FIG. 2 is a configuration diagram of a financial instrument according to a first embodiment of the present invention.

Referring to FIGS. 1 and 2, a financial device 1 according to a first embodiment of the present invention includes a main body 10 in which a plurality of parts are embedded. The main body 10 includes a media input / output unit 13 capable of depositing or withdrawing banknotes and checks together.

The media input / output unit 13 includes a media storage space accessible by a customer, and the storage space can be opened and closed by a closure member such as a shutter or a cover, As shown in Fig. A plurality of banknotes and a plurality of checks may be simultaneously inserted into the media input / That is, the media input / output unit 13 serves as a common input / output unit for bill and check, and can input one or more kinds of banknotes and checks to the media input / output unit 13 in a bundle unit including a single sheet. Further, one or more kinds of banknotes and checks may be discharged to the media input / output unit 13 in units of bundles. The bill and the check may be input to the media input / output unit 13 in the same direction or may be extracted from the media input / output unit 13. Further, the bill and the check can be deposited regardless of the direction of the front and back of the bill and the check. Of course, the media input / output unit 13 may include separating means for separating the inputted bundle of banknotes or checks in a sheet-by-sheet manner. Here, the fact that the bill and the check are inserted or extracted in the same direction means that the bill and the check are inserted or extracted in the lateral direction or the longitudinal direction. Definitions of the longitudinal direction and the lateral direction will be described later with reference to the drawings. The fact that the bills and the check are independent of the front and back directions of the check means that the bills and the check surface are irrelevant regardless of whether the front surface or the back surface faces upward.

The banking machine 1 may further include a bankbook input / output unit 14 for inputting / outputting a bankbook, and a card input / output unit 15 for inputting / outputting a card.

The financial instrument 1 may further include a distinguishing unit 20. The distinguishing unit 20 can identify the type of medium or identify a defective medium when storing or withdrawing the medium. In the present embodiment, the discriminating unit 20 can discriminate between the state of a bill and the state of a check. A first conveying unit 19 for conveying the bill inserted through the media input / output unit 13 and the check is disposed between the media input / output unit 13 and the discrimination unit 20. In addition, the financial instrument 1 may be configured such that checks and bills discharged from the media storage box 40 can be transported in common, and the banknotes can be transported commonly to the discriminating unit 20, And may further include a second transfer unit 19a.

The financial instrument 1 may further include a paper currency temporary accumulation unit 30 in which bank notes are temporarily accumulated. The banknote temporary accumulation unit 30 temporarily stores the banknotes stored through the media input / output unit 13 when the customer intends to deposit banknotes into the financial instrument 1. [ The banknotes accumulated in the banknote temporary accumulation unit 30 are transferred to the banknote storage boxes 41, 42 and 43 to be described later when the customer finally decides to store banknotes.

The financial instrument 1 may further include a media storage box 40 for storing media. The media storage 40 may include one or more banknote storage boxes 41, 42, 43 and one or more check storage boxes 44. In this specification, it is noted that the number of the banknote storage boxes 41, 42, 43 and the check storage box 44 is not limited.

The media bins 41, 42 and 43 are provided with media inlets for receiving the transported bills and media outlets for discharging the bills accumulated in the bins 41, . In general, the media inlet and the media outlet may be formed at the upper end of a box constituting the external appearance of the banknote storage boxes 41, 42 and 43.

In addition, in the inside of the banknote storage boxes 41, 42 and 43, media collecting means for collecting banknotes transferred from the outside of the banknote storage boxes 41, 42 and 43 side by side, And a pick-up means for transferring the media to the outside of the storage boxes 41, 42 and 43. That is, the banknotes stored in the banknote storage boxes 41, 42 and 43 can be discharged to the outside, and the deposited banknotes can be stored in the banknote storage box. Specific configurations of the banknote storage boxes 41, 42, and 43 may be implemented with known configurations. In this specification, it is noted that the structure of the banknote storage boxes 41, 42 and 43, whether the banknotes can be discharged and whether or not the banknotes can be deposited are not limited to the examples described above.

The banknote storage box 40 may be formed to be long in a direction parallel to the gravity direction so that the medium can be accumulated in the gravitational direction and may be disposed in the lower portion of the inside of the financial device 1. [ When a plurality of banknote storage boxes 41, 42 and 43 are provided in the financial instrument 1, a plurality of banknote storage boxes 41, 42 and 43 may be arranged in a horizontal direction. As another example, the plurality of banknote storage boxes 41, 42 and 43 may be arranged in the vertical direction.

The check deposit box 44 may be disposed horizontally with the plurality of banknote storage boxes 41, 42 and 43. As another example, the check deposit box 44 may be disposed in the vertical direction together with the plurality of banknote storage boxes 41, 42, and 43. The check deposit box 44 may store a check for withdrawal. The structure of the check deposit box 44 will be described later with reference to the drawings.
In the process of withdrawing the banknotes and the check together, after the banknotes are discharged from the banknote storage boxes 41, 42 and 43 and the check is discharged from the check storage box 44, the discharged banknotes and checks are transferred to the second transferring unit 19a And then transferred to the media input / output unit.

The financial instrument 1 may further include a check deposit box 54. The checks deposited in the check deposit box 54 may be stored normally. The check deposit box 54 and the check deposit box 44 may be separate separate modules. As another example, the check deposit box 54 and the check deposit box 44 are provided in a single storage box, but a space inside a single storage box is a space in which a check for depositing is stored And a space in which a check for withdrawal is stored (which may be referred to as a check withdrawal portion).

The banknote 1 includes a first collection box 50 in which a banknote or check determined to be defective in the depositing process is stored and a second collection box 50 in which a banknote or check determined to be defective in the withdrawal process is stored 52), and a collecting replenishment (60). The first collecting box 52 and the second collecting box 52 are provided in a plurality of numbers, respectively, and can be used as a check collecting box and a paper money collecting box, respectively.

The recovery replenishment unit 60 replenishes paper money or checks to the paper currency storage boxes 41, 42 and 43 or the check storage box 44 or replaces the paper currency notes or check from the paper currency storage boxes 41, 42 and 43 or the check storage box 44, Or withdraw the check. Alternatively, the financial instrument 1 may further include a third collection box (not shown) in which the non-receiving medium is collected when the customer has taken the medium discharged to the media input / output unit 13 for withdrawal .

In the financial instrument 1 of the present invention, the collection boxes 51 and 52 and the collection box 60 may be omitted. Further, there is no limitation on the number of the collection boxes 51, 52 and the collection box 60.

FIG. 3 is a schematic view showing a check deposit box according to a first embodiment of the present invention. FIG.

Referring to FIG. 3, a check M1 for depositing is temporarily accumulated in the check deposit box 44 according to the first embodiment of the present invention, and a check M2 for withdrawal can be stored. That is, the check deposit box 44 functions as a check temporary accumulation unit.

The check deposit box 44 includes a printing apparatus 100 for printing checks, a conveying roller 112 for conveying checks, a temporary integrated check M1, And a pick-up roller 110 for picking up and discharging the check M2. The check deposit box 44 may further include a first support portion 121 for supporting the check M2 for withdrawal and a second support portion 122 for supporting the check M1 for deposit have.

A check M2 for withdrawal is disposed between the first support portion 121 and the second support portion 122. A check M1 for deposit may be placed above the second support portion 122. [ The first support part 121 and the second support part 122 can be moved up and down by independent driving parts. As another example, the first support part 121 can be moved up and down by a driving part, and the second support part 122 can be connected to an elastic member (not shown). The elastic member may provide an elastic force to the second support portion 122 to move the second support portion 122 downward. In this case, the second supporting portion 122 can maintain the state as shown in FIG. 3 when no external force is applied to the second supporting portion 122, and when the first supporting portion 121 rises, The lifting force of the supporting portion 121 is transmitted to the second supporting portion 122 by the check M2 for withdrawal so that the second supporting portion 122 is raised. At this time, the second support portion 122 can be raised to a position higher than the lowest point of the pick-up roller 110 as shown in FIG. 8, which will be described later, without interfering with the pick-up roller 110.

Of course, even when the second support part 122 is operated by the driving part, the second support part 122 can be elevated to a position higher than the lowest point of the pick-up roller 110.

As long as the check for depositing in the check deposit box 44 and the check for withdrawal can be separately stored in the present embodiment, the present invention is not limited to the above-described example, and various structures may be applied.

According to the present embodiment, since the check for deposit is temporarily accumulated in the check deposit box 44, there is a merit that a separate check temporary deposit is unnecessary. Of course, it is also possible to provide a check temporary accumulation unit separately from the check storage box 44. [

The printing apparatus 100 may include a first printing module 101 for printing a first side of the check and a second printing module 102 for printing a second side of the check. Therefore, printing can be performed on a specific surface of a check requiring printing even if the check is deposited without limitation in the front-back direction of the check.

4 is a control block diagram of a financial instrument according to a first embodiment of the present invention.

2 to 4, the financial apparatus according to the first embodiment of the present invention includes a discrimination unit 20, a first printing module 101 and a second printing module 102, And a control unit 70. The control unit 70 controls the conveyance roller driving unit 113 to drive the check conveying unit 112 to convey the check.

The discrimination unit 20 includes a first state sensing unit 21 for sensing the state of the first surface of the medium and a second state sensing unit 22 for sensing the state of the second surface of the medium . Each of the first state sensing unit 21 and the second state sensing unit 22 may be an optical character reader (OCR), for example. The first state sensing part 21 is located at one side of the conveyance path of the medium and the second state sensing part 22 is positioned at the other side of the conveyance path of the medium. The information sensed by each of the state sensing units 21 and 22 is transmitted to the controller 70. The controller 70 determines the state of the banknote or check together with the identification of the banknote or check. In this specification, the state of the medium may include a type of medium, an amount of the medium, forward / backward direction of the medium, whether the medium is right or wrong, a character or image printed on the medium,

The first printing module 101 includes a first head 104 for printing and a first head conveying portion 103 for conveying the first head. The second printing module 102 includes a second head 106 for printing and a second head transfer part 105 for transferring the second head 106. A plurality of the first head and the second head may be provided.

The check conveyance sensing unit 114 senses the conveying position of the check in the check deposit box 44. [ When the check is sensed by the check conveyance sensing unit 114, the conveyance roller driving unit 113 is stopped and the check is stopped as a result. The check may be stopped when a portion of the check is located between the first printing module 101 and the second printing module 102.

In this embodiment, printing is performed while the first head 104 or the second head 106 is transported while the check is stopped. The conveying direction of the head with respect to the check will be described later.

Figure 5 is a front view of a check.

5, the features of the check will be described for the sake of understanding the present specification. Figure 5 shows the form of the check, but the description of the basic form of the check applies equally to banknotes.

5, the check, for example, includes a pair of parallel first sides X and a pair of second sides Y perpendicular to the pair of first sides X and parallel to each other . The length of the pair of first sides (X) is longer than the length of the pair of second sides (Y).

In this specification, the definition of the direction is as follows.

The direction parallel to the pair of second sides Y is referred to as a lateral direction (see arrow S1), and the direction parallel to the pair of first sides X is referred to as a longitudinal direction. For example, a case in which a check or banknote is conveyed in a direction parallel to a pair of first sides X or inserted is referred to as a longitudinal conveyance or a longitudinal conveyance. On the other hand, when the check or banknote is fed or fed in a direction parallel to the pair of second sides (Y), it can be referred to as a lateral directional feed or a lateral directional feed.

The longitudinal and transverse directions herein are equally applicable when other members are moved relative to the check. For example, it can be said that the head transports in the longitudinal direction with respect to the check when the head for printing is transported in a direction parallel to a pair of first sides (X) with respect to the check, It can be said that the head is transported in the lateral direction when it is transported in the direction parallel to the side Y. [

In the first embodiment of the present invention, checks and banknotes may be fed into the media input / output section 13 in the lateral direction and may be transported to the discriminating section 20 in the lateral direction.

On the other hand, the front surface of the check includes unique information (A2) for identifying the check. The unique information (A2) can be recognized by the discriminating unit (20).

When the check is deposited in the financial instrument 1, the check includes the issue date information A1. When the check is withdrawn from the financial instrument 1, the date of issue is printed by the printing apparatus 100 on the front side of the check.

When the check is deposited in the financial instrument 1, information for confirming the deposit is printed on the back of the check, though it is not shown.

FIG. 6 is a flowchart illustrating a check deposit process according to the first embodiment of the present invention.

Referring to FIGS. 2, 4 and 6, a check is deposited in the lateral direction for depositing a check (S1). As described above, the check can be input in a bundle unit including a sheet, and can be input with the bill. Or only a bill can be put in bundle units including a single sheet. In FIG. 6, for example, the process of depositing a check is described, and the process of depositing a bill may be the same as or similar to a known conventional process, and thus a detailed description thereof will be omitted.

After the check is deposited, the check is transferred to the discriminating portion 20 in the lateral direction. In the discrimination unit 20, the state of the deposited check is sensed (S2).

Next, the control unit 70 determines whether the deposited checks are in a normal state (S3). If the deposited check is in a normal state, the check is temporarily attached to the check temporary storage unit, that is, the check depository 44 (S4). On the other hand, if the deposited check is in an abnormal state, the check is released to the media input / output unit 13 (S6).

Then, it is judged whether or not a deposit confirmation command of the check has been inputted by the customer (S5). If a deposit cancel command is input in step S5, the check accumulated in the check deposit box 44 is discharged to the media input / output unit 13 (S6). At this time, the deposit settlement command or deposit cancel command can be inputted through the user interface.

If it is determined in step S5 that a confirmation command for depositing a check has been input, the check in the check deposit box 44 is stopped after being transferred to the printing position (S7). In detail, the check temporarily accumulated in the check deposit box 44 is transferred between the first printing module 101 and the second printing module 102 by the pick-up roller 110 and the conveying roller 112 , And when the check conveyance sensing unit 114 senses the check, the check is stopped.

Then, in a state where the check is stopped, the printing apparatus 100 moves and performs printing (S8). In the case of depositing a check, the printing is performed on the back side of the check as described above, so that the head of the printing module facing the back side of the check is conveyed by the head conveyance unit to perform printing. At this time, the head facing the back side of the check is conveyed in the longitudinal direction with respect to the check to perform printing. In this embodiment, the printing direction of the check is the longitudinal direction in which the head is conveyed, and the direction in which the check is conveyed to the printing apparatus is the lateral direction. Therefore, in the present embodiment, it can be understood that the conveying direction of the check and the printing direction are crossed by the printing apparatus.

When the printing is completed, the check passes again to the discrimination unit 20. [ The discrimination unit 20 senses the state of the printed check (S9). Then, the control unit 70 determines whether a check is normally printed (S10). If it is determined that printing of the check has been normally performed, the check is stored in the check deposit box 54 (S11). On the other hand, if it is determined that printing of the check has not been normally performed, the check is transferred to the deposit and withdrawal box (first withdrawal box 50) (S12).

FIG. 7 is a flow chart for explaining a check withdrawal process according to the first embodiment of the present invention, and FIG. 8 is a schematic view showing a configuration of a check deposit box when a check is withdrawn according to the first embodiment of the present invention.

7 and 8, a check withdrawal command is input for withdrawing a check (S21). When the check withdrawal command is input, the first support portion 121 and the second support portion 122 are raised. The second support portion 122 is raised to a position higher than the lowest point of the pick-up roller 110. In this state, the check M2 for withdrawal is picked up by the pick-up roller 110, and the pick-up picked up by the conveying roller 112 is conveyed.

When the check for withdrawal is transferred between the first printing module 101 and the second printing module 102, the check conveyance sensing unit 114 senses the check. Then, the conveying roller driving unit 113 stops and the check is stopped accordingly.

Then, in a state where the check is stopped, the printing apparatus 100 moves and performs printing (S22). In the case of withdrawing a check, printing must be performed on the front side of the check, as described above, so that printing is performed while the head of the printing module facing the front side of the check is conveyed by the head conveying portion. At this time, the head facing the front surface of the check is conveyed in the longitudinal direction with respect to the check to perform printing.

When the printing is completed, the check passes again to the discrimination unit 20. [ The discrimination unit 20 senses the state of the printed check (S23). Then, the control unit 70 determines whether a check is normally printed (S24). If it is determined that printing of the check has been normally performed, the check is transferred to the media input / output unit 13 for withdrawal. On the other hand, if it is determined that the check has not been normally performed, the check is transferred to the withdrawal withdrawal box (second withdrawal box 52) (S26). If the check is transferred to the cash drawer, the abnormal state information may be informed to the outside (S27). For example, the abnormal state information may be known as voice, text, or the like in a display unit or a notification unit, not shown.

According to the present embodiment, since a single medium input / output unit can deposit or withdraw banknotes and / or checks in bundles, the time required for depositing or withdrawing can be reduced and convenience for the user can be improved.

Further, since the bill and the check can be transferred to the distinguishing section by the common transfer section, there is an advantage that the structure inside the financial apparatus can be simplified.

Also, there is an advantage that the space utilization inside the financial apparatus is increased as the printing apparatus is disposed in the check deposit box and the check for deposit is temporarily accumulated in the check deposit box.

Further, since the optical character reader is used as the discriminating portion, the state of the bill and the check can be detected even if the bill and the check are conveyed in the lateral direction, and the head constituting the printing module can be conveyed by the head conveyance portion, There is an advantage in that printing of a check can be carried out.

FIG. 9 is a control block diagram of a financial device according to a second embodiment of the present invention, and FIG. 10 is a schematic view illustrating a process of transferring a bill and a check in the financial device according to the second embodiment of the present invention.

9 and 10, the financial apparatus according to the second embodiment of the present invention includes a first state detecting unit 21 and a second state detecting unit 22 for detecting the state of a bill and a check, A check transferring unit 240 for transferring the checks past the respective state sensing units 21 and 22 and a check transferring unit 240 for transferring the checks past the state sensing units 21 and 22, A check temporary accumulation unit 250 for temporary accumulation, a first printing module 220 and a second printing module 222 for printing a check, and a control unit 200.

In the present embodiment, the first state sensing unit 21 and the second state sensing unit 22 may be optical character readers as in the first embodiment. The description of the status sensing units 21 and 22 is the same as that of the first embodiment, and thus a detailed description thereof will be omitted.

Unlike the printing module of the first embodiment, the printing modules 220 and 222 are fixed. That is, the printing modules 220 and 222 remain in a stopped state during the check printing process, and printing is performed while the check is transferred.

Each of the printing modules 220 and 222 may include a plurality of heads 223 and 224. In the case of the present invention, a check can be processed regardless of the front / back direction of the check by a plurality of heads. That is, it is possible to print a check at a position where printing is required.

The banknote conveying part 230 allows the banknote M3 passing through the state sensing parts 21 and 22 to be transversely transferred in the lateral direction. On the other hand, the check transferring unit 240 is adapted to transfer the check M 1 in the longitudinal direction by switching the direction of the check M 1 passing through the state sensing units 21 and 22 in the lateral direction. At this time, the check transferring direction of the check is performed by the check transferring unit 240 on the upstream side of the printing module 220, 222.

The check temporary accumulation unit 250 may be located upstream or downstream of the printing module 220, 222. In the present embodiment, the upstream means a path before a specific component on the basis of the conveyance path, and the downstream means a path after a specific component.

The check temporary accumulation unit 250 may be located inside the check deposit box 44 of the first embodiment or may be disposed as a separate module on the outside. The printing modules 220 and 222 may be located inside the check deposit box 44 of the first embodiment or may be disposed as separate modules on the outside. Alternatively, the check temporary accumulation unit 250 may be provided as a separate module, and the check temporary accumulation unit 250 may include the printing modules 220 and 222.

The checks may be integrated in the check temporary accumulation unit 250 in the transverse or longitudinal direction. When the check is integrated in the check temporary accumulating unit 250 in the lateral direction, the check temporary accumulating unit 250 and the printing module 220 or 222 are checked by the check conveying unit 240 Can be switched.

If the checks are integrated in the check temporary accumulation unit 250 in the longitudinal direction, the conveyance direction can be switched before the checks are integrated into the check temporary accumulation unit 250.

In the present embodiment, the check transport direction can be switched by the check transferring unit 240, so that the check Ml can be inserted in the check deposit box in the longitudinal direction or in the transverse direction. In the present embodiment, the check transporting direction can be switched plural times by the check transporting unit 240. For example, a check for depositing may be printed while being transported in the longitudinal direction after being deposited in the transverse direction, and may be transversely shifted in the lateral direction when the printing is completed, to be inserted laterally into the check depository.

11 is a flowchart for explaining a check deposit process according to the second embodiment of the present invention.

Referring to FIG. 11, a check is deposited in the lateral direction to deposit the check (S31). In FIG. 11, for example, the process of depositing a check will be described, and the process of depositing the banknote can be the same as that of a known conventional process, and thus a detailed description thereof will be omitted.

In Fig. 11, for example, it is explained that the check is redirected when the check is transferred from the check temporary accumulation unit to the printing module.

After the check is deposited, the check is conveyed to the state sensing portions 21 and 22 in the lateral direction. The state detection unit (21, 22) detects the state of the deposited check (S32).

Then, the control unit 200 determines whether the deposited check is in a normal state (S33). If the deposited check is in a normal state, the check is temporarily accumulated in the check temporary accumulation unit 250 (S34). On the other hand, when the deposited check is in an abnormal state, the check is released to the media input / output unit 13 (S36).

Then, it is judged whether or not a deposit confirmation command of the check has been inputted by the customer (S35). If a deposit cancel command is input in step S35, the check temporarily accumulated in the check temporary accumulation unit 250 is discharged to the media input / output unit 13 (S36).

The check accumulated in the check temporary accumulating unit 250 is redirected by the check transferring unit 240 to be transferred to the printing module 220 or 222 in the longitudinal direction, (S37). Then, in the process of transferring the check in the longitudinal direction, printing of the check is performed by the printing modules 220 and 222 (S38).

In the case of depositing a check, printing must be performed on the back side of the check as described above, so printing of the check is performed by the head of the printing module facing the back side of the check.

When the printing is completed, the check passes again through the status sensing units 21 and 22. [ The state detecting units 21 and 22 detect the state of the printed check (S39). In step S40, the control unit 200 determines whether a check has been normally printed. If it is determined that printing of the check has been normally performed, the check is stored in the check deposit box 54 (S41). On the other hand, if it is determined that the check has not been normally performed, the check is transferred to the deposit and withdrawal box (first withdrawal box 50) (S42).

At this time, the printed check may be redirected and transferred in the lateral direction to the check deposit box 54 or the deposit / withdrawal box, or to the check deposit box 54 or the deposit / withdrawal box in the longitudinal direction.

According to this embodiment, since the check conveyed in the lateral direction by the check conveyance unit is diverted in the longitudinal direction and passes the printing module, there is an advantage that the check can be printed even when the printing module is fixed.

On the other hand, in the case of the withdrawal of a check, it is basically the same as that of the first embodiment, except that a check for withdrawal is redirected and conveyed in the longitudinal direction by the check conveyance section before being conveyed to the printing module, There is a difference in that the recording medium is changed to be transferred in the lateral direction and discharged to the medium entry / exit portion. Therefore, a detailed description of the process of withdrawing a check in the present embodiment will be omitted.

12 is a control block diagram of a financial instrument according to a third embodiment of the present invention.

Referring to FIG. 12, the financial apparatus according to the third embodiment of the present invention includes a first state detection unit 312 for detecting the state of a bill and a check, a check position A second state sensing unit 314 for sensing the state of the check, a sensing conveyance unit 316 for conveying the second state sensing unit 314, 1 printing module 101, a second printing module 102, and a control unit 300. [

In addition, the financial instrument may further include a conveyance roller driving unit 113 and a check conveyance sensing unit 114 provided in the check storage box 54.

The state of the check or banknote can be detected by the first state detection unit 312 first. If the medium that has passed through the first state sensing unit 312 is a check, the state of the check may be sensed by the second state sensing unit 314.

The first state sensing unit 312 may be, for example, an optical character reader, a contact image sensor, a magnetoresistive sensor, or the like. In the present embodiment, there is no limitation on the type of the first state sensing unit 312, and the first state sensing unit 312 may sense the type of check or banknote, the thickness of a check or banknote, Can be used.

The second state sensing unit 314 may be, for example, a magnetic ink character reader (MICR).

The check position sensing unit 318 senses the check so that the check that has passed through the first state sensing unit 312 stops at a position where the second state sensing unit 314 can sense the check. If the check is detected by the check position sensing unit 318, the check may be stopped. The second state sensing unit 314 senses the state of the check that is stopped while the sensing conveyance unit 316 feeds the check in the longitudinal direction.

The first printing module 101 includes a first head 104 and a first head conveyance portion 103 for conveying the first head 104. [ The second printing module 102 includes a second head 106 and a second head transporting part 105 for transporting the second head 106. Since the printing modules 101 and 102 of the present embodiment are the same as those of the printing module of the first embodiment, a detailed description thereof will be omitted.

The configuration of the conveyance roller driving unit 113 and the check conveyance sensing unit 114 is the same as that described in the first embodiment, and thus a detailed description thereof will be omitted.

FIG. 13 is a flowchart illustrating a check deposit process according to the third embodiment of the present invention.

12 and 13, a check is deposited in the lateral direction for the check deposit process (S51). In FIG. 13, for example, the process of depositing a check will be described, and the process of depositing a banknote may be the same as that of a known conventional process, and thus a detailed description thereof will be omitted.

After the check is deposited, the check is transferred to the first state sensing unit 312 in the lateral direction, and the state of the check deposited by the first state sensing unit 312 is sensed (S52).

Then, a check past the first status sensing unit 312 is conveyed toward the second status sensing unit 314. When the check is detected by the check position sensing unit 318, the check is stopped (S53).

Next, the second state sensing unit 314 senses the state of the checked check while the sensing and conveying unit 316 transports the check in the longitudinal direction (S54).

Then, the control unit 300 determines whether the deposited check is in a normal state (S55). If the deposited check is in a normal state, the check is temporarily accumulated in the check temporary accumulation unit (for example, the check depository 54) (S56). On the other hand, if the deposited check is in an abnormal state, the check is released to the media input / output unit 13 (S58).

Then, it is judged whether or not a deposit confirmation command of the check has been inputted by the customer (S57). If a deposit cancel command is input in step S57, the check temporarily accumulated in the check temporary accumulation unit is discharged to the medium input / output unit 13 (S58).

If it is determined in step S57 that a confirmation command for depositing a check has been input, the check is stopped between the first printing module 101 and the second printing module 102 in the check temporary accumulation unit. Then, in a state where the check is stopped, the printing apparatus 100 moves while performing printing (S59). The method of stopping the check in the printing apparatus 100 and the operation of the printing apparatus 100 are the same as those described in the first embodiment, and thus a detailed description thereof will be omitted.

When printing is completed, the check passes again through the first state detection unit 312. [ The first state sensing unit 312 senses the state of the printed check (S60). In step S61, the control unit 300 determines whether a check has been normally printed. If it is determined that printing of the check has been normally performed, the check is stored in the check deposit box 54 (S62). On the other hand, if it is determined that the check has not been normally performed, the check is transferred to the deposit and withdrawal box (first withdrawal box 50) (S63).

On the other hand, in the case of withdrawing a check, since it is the same as the first embodiment, a detailed description will be omitted. However, in the present embodiment, the second state sensing unit can be kept stationary during the check withdrawal process.

According to this embodiment, since the heads of the second state sensing unit and the printing module can be transported in the longitudinal direction with respect to the check, the bill and the check can be transported and processed together in the transverse direction in the financial instrument.

FIG. 14 is a control block diagram of a financial instrument according to a fourth embodiment of the present invention.

Referring to FIG. 14, the financial device according to the fourth embodiment of the present invention includes a first state detection unit 312 for detecting the state of a bill and a check, a check position A second state sensing unit 314 for sensing the state of the check, a sensing conveyance unit 316 for conveying the second state sensing unit 314, and a control unit .

Also, the financial instrument includes a bill transferring unit 230 for transferring bills, a check transferring unit 240 for transferring a check, a check temporary accumulation unit 250 for temporarily accumulating checks, A first printing module 220 and a second printing module 222 for printing.

The state of the check or banknote can be detected by the first state detection unit 312 first. If the medium that has passed through the first state sensing unit 312 is a check, the state of the check may be sensed by the second state sensing unit 314. Since the first state sensing unit and the second state sensing unit are the same as those of the third embodiment, a detailed description thereof will be omitted.

The check transferring unit 240 may switch the transfer direction of the check past the second state sensing unit 314. [ That is, the conveying direction of the check conveyed in the lateral direction can be switched to the longitudinal direction.

The first printing module 220 and the second printing module 222 print a check conveyed in the longitudinal direction while the printing module 220 is stopped.

In this embodiment, the configuration and method for detecting the state of the banknote and the check are the same as those of the third embodiment, and a detailed description thereof will be omitted. The process of switching the conveying direction of the check by the check conveying unit 240 and the process of printing the check by the printing module are the same as those of the second embodiment, and thus a detailed description thereof will be omitted.

Accordingly, when the check depositing process of this embodiment is summarized, the second state sensing unit 314 senses the state of the check while the sensing conveyance unit 316 transports the check in the longitudinal direction. Then, the check is transferred by the printing module 220, 222 while the check is conveyed in the longitudinal direction after the conveying direction of the check past the second state sensing portion 314 is changed to the longitudinal direction.

FIG. 15 is a control block diagram of a financial instrument according to a fifth embodiment of the present invention, and FIG. 16 is a view schematically showing a transfer process of a bill and a check in the financial instrument according to the fifth embodiment of the present invention.

15 and 16, the financial apparatus according to the fifth embodiment of the present invention includes a first state detecting unit 312 for detecting the state of a bill and a check, A first check transfer unit 241 for transferring the check M 1 passing through the first state sensing unit 312 and a second check transfer unit 241 for transferring the check M 1, A second check transferring unit 242 for transferring a check past the second state detecting unit 314, a check transferring unit 242 for transferring a check for depositing, A first printing module 101 and a second printing module 102 that can be transferred while being transferred,

The first state sensing unit 312 may be, for example, an optical character reader, a contact image sensor, a magnetoresistive sensor, or the like. In the present embodiment, there is no limitation on the type of the first state sensing unit, and the first state sensing unit 312 can be used for sensing a check or a bill, a thickness of a check or bill, authenticity or the like.

The second state sensing unit 314 may be, for example, a magnetic ink character reader (MICR).

The first check conveying unit 241 switches the conveying direction of the check past the first state sensing unit 312. That is, the conveying direction of the check conveyed in the lateral direction is switched to the longitudinal direction. The second state sensing unit 314 senses the state of the check being conveyed in the longitudinal direction. The second check conveyance unit 241 switches the conveying direction of the check past the second state sensing unit 314. That is, the conveying direction of the check conveyed in the longitudinal direction is switched to the lateral direction.

The first printing module 101 includes a first head 104 and a first head conveying portion 103 for conveying the first head 104. The second printing module 102 includes a second head 106 and a second head transporting part 105 for transporting the second head.

The check conveyed in the lateral direction is stopped between the first printing module 101 and the second printing module 102 and the printing modules 101 and 102 perform printing while conveying the check in the longitudinal direction .

In the present embodiment, the check temporary accumulation unit and the printing modules 101 and 102 may be disposed inside the check deposit box 44 as described in the first embodiment, or may exist as a separate module from the check deposit box .

In this embodiment, the manner in which the check is printed is the same as in the first embodiment or the third embodiment. In addition, the process of depositing a check is the same as that of the first embodiment except for the description referred to in this embodiment, and a detailed description thereof will be omitted.

FIG. 17 is a control block diagram of a financial instrument according to a sixth embodiment of the present invention, and FIG. 18 is a view schematically showing a transfer process of a note and a check in a financial instrument according to a sixth embodiment of the present invention.

17 and 18, the financial apparatus according to the sixth embodiment of the present invention includes a first state detecting unit 312 for detecting the state of a bill and a check, A check transferring unit 240 for transferring a check past the first status sensing unit 312, a second status detection unit 250 for detecting the status of the check, A first printing module 220 and a second printing module 222 for printing a check, and a control unit 600. The first printing module 220 and the second printing module 222 are connected to the control unit 600, .

The first state sensing unit 312 may be, for example, an optical character reader, a contact image sensor, a magnetoresistive sensor, or the like. In the present embodiment, there is no limitation on the type of the first state sensing unit, and the first state sensing unit 312 can be used for sensing a check or a bill, a thickness of a check or bill, authenticity or the like. The second state sensing unit 314 may be, for example, a magnetic ink character reader (MICR).

The check transferring unit 240 switches the transfer direction of the check M 1 passing through the first state sensing unit 312. That is, the conveying direction of the check conveyed in the lateral direction is switched to the longitudinal direction. The second state sensing unit 314 senses the state of the check being conveyed in the longitudinal direction. The checks passing through the second state sensing unit 314 are transferred to the printing modules 202 and 222 in the longitudinal direction. Each of the printing modules 220 and 222 may include a plurality of heads 223 and 224. Each of the printing modules 220 and 222 performs printing of the check M1 conveyed in the longitudinal direction in a stopped state.

In this embodiment, the check temporary accumulation unit 250 may be disposed between the second state sensing unit 314 and the printing modules 220 and 222. Alternatively, the check temporary accumulation unit and the printing module 220, 222 may exist as a single module.

In this embodiment, the check that has passed through the printing module 220, 222 can be conveyed in the check deposit box in the longitudinal direction or in the transverse direction.

In this embodiment, since the check conveyed in the lateral direction during the check depositing process is the same as the first embodiment except that the conveying direction is switched in the longitudinal direction and passes through the second state sensing unit and the printing apparatus, It will be omitted.

The spirit of the present invention is not limited to the above-described embodiments, and may further include the following ideas.

First, bills and checks can be deposited or withdrawn into the media entry / exit section in the longitudinal direction. In this case, the check can pass through the discriminating portion, the printing device in the longitudinal direction, and can be stored in the check deposit box in the longitudinal or transverse direction. However, in order for a check to be stored in a check deposit in the lateral direction, a check transfer unit capable of switching the direction of the check may be provided. In addition, the check may be discharged in the check depository in the longitudinal or transverse direction. If the check is ejected from the check deposit box in the longitudinal direction, a check transfer unit capable of redirecting the check may be provided.

As another example, the check temporary accumulation unit may not be provided in the check depository, but may be provided in the check depository. In this case, the printing apparatus may be provided in the check deposit box. And, checks for withdrawals in the check depository can be released into the media entry and exit after being printed in the check depository.

As another example, while the second state sensing part for sensing the state of the check has been described as sensing the state while being transported in the longitudinal direction with respect to the check, the second state sensing part may alternatively be longitudinally and laterally transportable . For example, if the stop position of the check is not correct, the second state sensing unit may sense the state of the check while being transported in the longitudinal direction after being transported in the lateral direction.

As another example, the bill and the check may be configured to use a common media input / output unit, but the type of the medium may be determined at the media input / output unit and the bill and check may be conveyed by a separate conveyance path. Even if the bill and the check are transferred separately, the above-mentioned method of detecting and printing the check may be applied equally.

As another example, even when a printing apparatus is provided in the check deposit box, the check deposit box can be used as a bank deposit box as needed. When the check deposit box is used as a banknote storage box, the printing apparatus may not operate.

1: financial instrument 20:
40: Media storage box

Claims (10)

A main body having a single media input / output unit which can be inserted into the bundle unit of banknotes and checks, and which can be discharged together in bundle units;
A passbook entry / exit unit provided in the main body and capable of entering and exiting a passbook;
A card input / output unit provided in the main body and capable of inputting / outputting a card;
A cover member for opening / closing a banknote of the media input / output unit and a storage space in which the check can be stored;
A discrimination unit which can detect the state of the bill and the check inserted through the medium entry / exit unit;
A banknote storage box disposed in the main body and capable of storing banknotes for withdrawal;
A check box disposed in the main body and capable of storing a check for withdrawal;
A printing device for printing a check for withdrawal and a check for depositing into the media input / output section;
A check temporary accumulation unit for temporarily accumulating a check that has been discriminated by the discrimination unit;
A first conveying unit that connects the media input / output unit and the discrimination unit, and in which a bill inserted through the media input / output unit and a check are commonly transported; And
And a second conveyance unit capable of conveying a check and a check for dispensing discharged from the banknote storage box and the check deposit box, and a second conveyance unit in which the check and the check can be commonly transferred to the discrimination unit,
The normal check of the check which has been inputted to the media input / output unit and which has been discriminated once after passing through the discrimination unit is transferred to the check temporary accumulation unit and temporarily accumulated, the abnormal check is discharged to the medium input /
Wherein a banknote is discharged from the banknote storage box and the check is discharged from the check deposit box after the bill and the check are transferred to the media input / output section after passing through the second transfer section. The method according to claim 1,
Wherein the discrimination unit comprises an optical character reader for recognizing the denomination and authenticity of the banknote and the check by recognizing both sides of the banknote and the check each carried along the first conveying unit. 3. The method of claim 2,
Wherein the check deposit box includes a check withdrawal unit for storing the check for withdrawal, a check deposit unit for storing the check for the deposit, and the printing device. 3. The method of claim 2,
Further comprising a check deposit box in which a check for the deposit is stored,
Wherein the check deposit box is disposed outside the check depository box separately from the check depository box,
And the check deposit box and the check deposit box are connected by a transfer path. The method according to claim 3 or 4,
Wherein the discriminating unit can sense both the banknote for depositing and the check for depositing into the media input / output unit regardless of the front and rear directions of the banknote for depositing and the check for depositing. 6. The method of claim 5,
Wherein the conveying direction of the check toward the printing device is crossed with the printing direction by the printing device. 3. The method of claim 2,
A check for depositing completed by the printing apparatus or a check for withdrawal completed by the printing apparatus can be passed again to the discriminating unit,
Checks for deposits or withdrawals are not normally printed, and checks that are not normally printed are transferred to the withdrawal. The method according to claim 1,
Further comprising a payout supplement for storing a check to be supplemented with the check depository or storing a check withdrawn from the check depository. The method according to claim 1,
Wherein the check which has passed through the discriminating unit once is transferred to the check temporary accumulation unit without a printing process by the printing apparatus. The method according to claim 1,
Further comprising a user interface for receiving a deposit confirmation command for depositing the banknote and check in a state in which the discrimination between the bill and the check inserted in the bundle unit is completed.

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