KR20090044121A - Auto teller machine with single drop - Google Patents

Abstract

The present invention relates to a financial automatic device having a single input port, and more particularly, the automatic teller machine having a single input port configured to input or discharge a card, bankbook, bill, check and transaction statement through a single input port. It is about.

The automatic teller machine equipped with a single inlet according to the present invention includes a single inlet for inserting or discharging a card, a bankbook, a bill or a check, and discharging a transaction statement; A media determination unit provided in the inlet, and determining whether the medium to be inserted into the inlet is a card, a bankbook or a currency to determine the transfer to the corresponding media processing unit; And a plurality of transfer units configured to transfer the media to the media processing unit or to discharge the media from the media process to the inlet.

Automatic teller machine, slot, media judging card, bankbook, banknote, check, transaction list

Description

Automatic Teller Machine with single drop}

The present invention relates to a financial automatic machine having a single input port, and more particularly, the automatic teller machine having a single input port configured to input or discharge a card, bankbook, bill, check or transaction statement through one input port. It is about.

Automated Teller Machine (ATM) is an automated device that can support basic financial services such as deposit or withdrawal regardless of the place and time, and without a bank employee.

Such automatic teller machines are generally installed at the automation corners of banks, and are configured to allow customers to directly manipulate transactions such as banknotes, deposits and withdrawals, and bank transfers using media such as cards or bank accounts.

The automated teller machines can be extended after the closing hours of bank windows, and are installed in department stores, convenience stores, subway stations, etc., and the number of installations is expected to increase continuously. In such a background, the efficiency of the automated teller machine is an important task in financial institutions such as banks, such as the efficiency and rationalization of personnel.

1 is a perspective view showing the appearance of a conventional financial teller.

Referring to FIG. 1, a conventional automated teller machine is provided with an input port for inputting a card, a bankbook, a banknote, and a check and an outlet for a transaction specification.

That is, a customer inserts a card or bankbook into the card slot 30 or the bankbook slot 10 of the automated teller machine to perform a financial business, enters information to perform a deposit or withdrawal, and then sends bills and checks. Receipt or withdrawal through the banknote inlet 40 and the check inlet 20, respectively, the transaction details printed through the transaction statement outlet (not shown) is discharged.

Here, the check inserted into the check inlet 20 is printed with a mechanical character in the form of a magnetic ink character recognition (MICR) that stores check information. The mechanical character is read as a magnetic signal from the check reader and is an electrical signal. In this case, the check inserting hole 20 has a vertical shape because it can be accurately read only by being in direct contact with the reading unit.

On the other hand, the banknote input 40 is provided with a contact image sensor (infrared sensor) or an infrared sensor in order to determine whether the forgery by reading a variety of counterfeit identification code from the inserted banknotes, a counter for counting the inserted banknotes, etc. It is formed, but in order to use it efficiently, it is formed in a horizontal form.

However, in the case of a customer who processes a financial business using a conventional automated teller machine, it may be confusing to insert each medium into a corresponding input port. In particular, a check for each check and a cash deposit is made one by one. There is the hassle of having to invest and then cash. In addition, there is a problem that often occurs when you forget to take any one of the card, bankbook, cash, check or transaction statement discharged through each inlet after the end of the financial business.

In addition, in manufacturing and managing the automated teller machine, the structure of the automated teller machine is complicated, thereby increasing the manufacturing cost and increasing the size of the automated teller machine, thereby requiring a larger installation space.

Accordingly, the present invention is to solve the above problems, it is possible to simply input or discharge the card, bank account, bills, checks or transaction details in the automatic teller machine by simply configuring the structure of the automated teller machine The purpose of the present invention is to provide a financial automation device having a single input port which can reduce the manufacturing cost, reduce the volume of the financial automation device, and at the same time allow the customer to easily handle the financial business.

The automatic teller machine equipped with a single inlet according to the present invention includes a single inlet for inserting or discharging a card, a bankbook, a bill or a check, and discharging a transaction statement; A media determination unit provided in the inlet, and determining whether the medium to be inserted into the inlet is a card, a bankbook or a currency to determine the transfer to the corresponding media processing unit; And a plurality of transfer units configured to transfer the media to the media processing unit or to discharge the media from the media process to the inlet.

The automatic teller machine equipped with a single input device according to the present invention can easily configure the appearance of the automatic teller machine, reduce the manufacturing cost of the automated teller machine, reduce the volume of the automatic teller machine, and at the same time, provide financial services to the customer. There is an effect that can be easily processed.

EMBODIMENT OF THE INVENTION Hereinafter, although the Example of this invention is described in detail, this invention is not limited to a following example, unless the summary is exceeded.

Figure 2 is a block diagram showing the configuration of the automated teller machine equipped with a single inlet in accordance with the present invention.

Referring to FIG. 2, the automatic teller machine equipped with a single inlet according to the present invention includes an inlet 200 for inserting or discharging a card, an account book, a bill or a check, and discharging a transaction statement, and an inlet 200. The media determination unit 210 and the media determination unit 210 determine the transfer to the processing unit by determining that the card, bankbook, bill or check is inserted into the inlet 200, and the corresponding media whose transfer is determined in the media determination unit 210. It comprises a transfer unit (212, 222, 232, 242, 250) for transferring to the processing unit or the medium discharged from the media processing module to the inlet 200.

Inlet 200 is a card, bankbook, banknotes or checks without input or discharge, and performs a function of discharging the detailed statement. In the conventional automated teller machine, an inlet for injecting a corresponding medium is formed for each medium, but in the present invention, a single inlet may be used to input or discharge all media regardless of the type of medium.

When the card, bankbook, banknote, or check is inserted into the inlet 200, the media judging unit 210 determines whether the inserted media is a card, a bankbook or a banknote, and checks the transfer to the processing unit of the corresponding media. ), Passbook transfer unit 242, bill transfer unit 212 or check transfer unit 222 is operated.

The media determination unit 210 is provided with an alignment unit for aligning each medium to one side, and a plurality of sensors capable of measuring the size of each aligned medium at regular intervals to determine the size information of the medium and transfer it to the transfer unit. You can.

The banknote transfer unit 212 transfers the banknotes inserted into the inlet 200 to the banknote reading unit 213, and the banknote reading unit 213 determines whether the banknote is forged and the amount. When the banknote reading unit 213 detects whether the banknote is counterfeit and the amount, the banknote transfer unit 212 transfers the banknote to the banknote storage box 214 and stores it. On the other hand, when the banknotes introduced from the banknote reading unit 213 is read as counterfeit, the banknotes are discharged to the inlet 200 through the banknote transfer unit 212.

Check transfer unit 222 transfers the check put into the inlet 200 to the check reader 223, the check reader 223 to determine whether the check forgery and check information. After the check reader 223 checks the check information, the stamp unit 224 stamps the check. Store in check box 226. On the other hand, when the check inputted from the check reader 223 is read as counterfeit, it is discharged to the inlet 200 through the check transfer unit 222.

The card transfer unit 232 transfers the card inserted into the inlet 200 to the card reader 234, and the card reader 234 reads account information stored in the magnetic line of the card or the IC chip.

The bankbook transfer unit 242 transfers the bankbook inserted into the inlet 200 to the bankbook reader 244, and the bankbook reader 244 reads the account information stored in the magnetic line of the bankbook. In addition, the bankbook reading unit 244 is provided with a printing unit 246 for printing the transaction details on the bankbook, so that the transaction history is automatically printed on the bankbook when the transaction is finished.

The transaction statement transfer unit 250 transfers the transaction statement printed with the transaction details from the printing unit 251 to the inlet 200.

Hereinafter will be described a transaction method using the automated teller machine equipped with a single input port according to the present invention.

First, a description of the deposit operation, if the card or bankbook is inserted into the inlet 200 in the order of transactions, if the inserted medium is a card, the media determination unit 210 operates the card transfer unit 232 to read the card. By transferring to the unit 234, the card reading unit 234 reads the account information stored in the magnetic line or the IC chip of the card, and when the medium inserted into the inlet 200 is a bankbook, the medium determining unit 210 By operating the bankbook transfer unit 242 to transfer the bankbook to the bankbook reader 244, the bankbook reader 244 reads the account information stored in the magnetic line of the bankbook.

Then, when bills or checks are inserted into the inlet 200, the media determination unit 210 provided in the inlet 200 determines the kind of the inserted money and determines the bill type of the bill. By operating the 222, the bill is read whether the forgery of the bill in the bill reading unit 213, the bill is counted and deposited and stored in the bill storage box 214, the check is checked in the check reader 223 After extracting check information such as whether the check is counterfeit or serial number, the stamp unit 224 undergoes necessary stamp printing, and is then stored in the check box 226.

On the other hand, when performing a withdrawal business using the automated teller machine according to the present invention, if the card or bankbook is inserted into the inlet 200 in the order of transactions, if the inserted medium is a card, the card transfer unit (210) By operating the card 232 to transfer the card to the card reader 234, the card reader 234 reads the account information stored in the magnetic line or the IC chip of the card, and the medium inserted into the inlet 200 is the passbook. In this case, the media determination unit 230 operates the bankbook transfer unit 242 to transfer the bankbook to the bankbook reading unit 244 to read the account information stored in the magnetic line of the bankbook in the bankbook reading unit 244.

Then, if the amount and the number of papers to be withdrawn according to the transaction order is input, the bills or checks of the corresponding amount is withdrawn from the bill holder 214 or check box 224 and discharged to the inlet 200. At this time, the card or bankbook pre-injected to read the account information is discharged at the same time as the bill or check, and the transaction statement printed with the transaction history may be discharged at the same time. Depending on the size of the medium, the bill, check, bankbook, transaction list, The cards may be stacked and discharged in the order of the cards.

As described above, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below but also by equivalents thereof.

1 is a view showing the appearance of the automatic teller machine according to the prior art.

Figure 2 is a block diagram showing the configuration of the automated teller machine equipped with a single inlet in accordance with the present invention.

<Description of the symbols for the main parts of the drawings>

100: automatic teller machine 10: bank account input

20: check slot 30: card slot

40: bill slot 200: slot

210: Media judgment unit 212: Banknote transfer unit

213: Banknote reader 214: Banknote storage

222: check transfer unit 223: check reader

224: stamp portion 226: check box

232: card transfer unit 234: card reader

242: Bank book transfer unit 244: Bank book reader

246, 251: printing unit 250: transaction statement transfer unit

Claims (4)

A single inlet for inserting or discharging a card, a bankbook, a bill or a check, and discharging a transaction statement; A media determination unit provided in the inlet, and determining whether the medium to be inserted into the inlet is a card, a bankbook or a currency to determine the transfer to the corresponding media processing unit; And a plurality of transfer units configured to transfer the media to the media processing unit or to discharge the media from the media process to the inlet. The method of claim 1, The media judging unit includes an alignment unit for aligning the media to one side, and a plurality of sensors for measuring the size of the aligned media and determining the transfer of the media to the transfer unit. Automation device. The method of claim 1, The transfer unit is a financial automated device having a single input port, characterized in that consisting of a card transfer unit, passbook transfer unit, bill transfer unit, check transfer unit and transaction statement transfer unit. The method of claim 1, The inlet is a financial automation device having a single inlet, characterized in that configured to discharge at least one of the medium consisting of the card, bankbook, bills, checks and transaction details at the same time.

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