JPS5847757B2 - Passbook transaction method - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a passbook transaction method used, for example, in an online banking system.

In line with the automatic deposit machine passbook processing in the above-mentioned banking system, if a page break becomes necessary during the process of printing unrecorded data, the passbook is returned to the customer, and then the passbook is returned to the customer. Instruct them to open the next page and reinsert it.

However, if the customer takes the passbook home by mistake, it becomes impossible to print the next page on the passbook, and the printing process is interrupted.

If the automatic teller machine is left in this state, when the next customer inserts their passbook, there will be an inconvenience in that the unrecorded data of the previous customer will be unconditionally printed.

Therefore, if the printing process is interrupted for the set time, the process will be temporarily stopped, and later when the customer brings the passbook, it will be discovered and processed, but if the center file is stored as already processed, the transaction will be delayed. Therefore, it is necessary to reproduce the data, which requires a lot of effort and time.

Therefore, this invention interrupts the printing process by changing the page.
When a customer takes the same passbook home without reinserting it, or when a different passbook is inserted within the set time for reinsertion, the staff is called and the auxiliary printing means is activated by operating the staff key. To provide a passbook transaction system that facilitates post-processing by pressing a button at a counter by printing unrecorded data of the previous customer on the card.

According to this invention, when a passbook is reinserted before the timer circuit times out after the passbook is returned based on a page change, or when the passbook is reinserted within a predetermined period of time, the judgment circuit determines that the passbook is the same as the previous passbook. When it is determined that the bankbook is the same as the bankbook, the print information is printed continuously on the next page of the bankbook, and when the timer circuit times out or the determination circuit determines that the bankbook is not the same bankbook, the clerk is called.

Therefore, when the staff comes to the scene, if the timer circuit has not timed out, the κ passbook is reinserted as described above and the information is printed on the next page, but if the time is up, the staff key is pressed. Operate to print information on auxiliary printing means such as technical papers, entry/exit slips, temporary passbooks, etc.

Also, if the previous customer leaves without knowing the page break and the next customer inserts their passbook before the timer circuit times out, the remaining print information of the previous customer cannot be printed on this passbook. In this case, the bankbook is returned as invalid and the staff is called.The staff operates the staff key to print the remaining information of the previous customer on the auxiliary printing means, and then inserts the bankbook of the next customer.

Even if the passbook is successfully re-inserted within the specified time due to a page break, the stripe on the passbook may be dirty or the magnetic field may be disturbed, and the reading may differ from the previous reading, and the paper may remain in this state. If this happens, it will be a hindrance to the next transaction, so the called clerk will be required to perform counter processing such as rewriting the stripe and issuing a new passbook.

In this way, in the present invention, when a customer returns home without knowing how to operate a page break, or when a customer is at the scene of the incident without knowing how to operate a page break,
Or when the previous customer leaves and the next customer inserts their passbook without knowing how to change pages, or when the stripes on the passbook become dirty and cannot be read correctly, etc. .

An embodiment of the present invention having such characteristics will be described in detail below with reference to the drawings.

The drawing shows an automatic teller machine for banking operations, which is connected online to the center.

The passbook used in the above-mentioned automatic deposit machine is provided with a magnetic stripe, and at least passbook data such as a store number and account number are magnetically recorded on the magnetic stripe.

The bookkeeping page of a passbook has multiple pages, each page has 24 printing lines, the first line prints the repeated amount, and the bookkeeping data is printed from the next line, and each page has 24 printing lines. are marked with page marks.

By checking whether the carryover amount is printed on the first line mentioned above, it can be determined that the bankbook was brought home after interrupting the bookkeeping process.

In addition, if the magnetic stripe contains information that is updated with each transaction, such as balance, printed pages, and printed lines, this information is updated at the end of the transaction, so whether or not it has been updated is important. It is also possible to determine whether the customer has interrupted the bankbook entry process and taken it home.

FIG. 1 shows an automatic teller machine, and 1 is a banknote insertion slot,
When a bill for deposit is inserted, it is taken into the interior by the conveyor belt 2, and the authenticity and denomination of the bill are determined by the bill checker BC.

3 is a deposit amount display device which displays the amount deposited for deposit.

When the amount of money inserted is correct, the confirmation button 4 is operated to input a signal for confirming the amount.

5 is a passbook insertion slot into which the customer inserts a passbook 6 with the page to be printed opened.

A first photoelectric sensor PH is provided inside the bankbook insertion slot 5 to detect insertion and removal of the bankbook 6.

The shirt starter 7 opens and closes the passbook insertion slot 5 by driving a solenoid SQL.

The passbook conveyance device 8 is constituted by a conveyor belt, and conveys the inserted passbook 6 downward and returns it to the passbook insertion slot 5 above when one page or a predetermined printing process is completed.

A slit disk 9 is interlocked and connected to the above-mentioned passbook conveying device 8, and a slit is formed on the circumference of the slit disk 9, and the interval between the slits is shaped in accordance with the print line spacing of the passbook 6. It has been.

The line detector FD detects the print line spacing of the bankbook 6 by detecting the slits in the slit disk 9 described above.

The second photoelectric sensor PHt detects the conveyance of the bankbook 6 and electrically positions the bankbook 6 by opening the gate of the row detector FD.

The magnetic head MH reads and writes data to the magnetic stripe of the bankbook 6, the page finder PF reads the page mark attached to each page of the bankbook 6 and deciphers the page number, and the line finder LF reads the page mark on each page of the bankbook 6. decipher the printed lines on the printed page.

To detect the middle printed line, the passbook 6 is sent from the position of the second photoelectric sensor PH2 and the first printed line is detected as the line 7 ainda LP.
Printed lines are detected by counting the output of the line detector FD during detection.

The printing device PR prints transaction data on the print line of the passbook 6,
This printing is performed on a line positioned based on the line detector FD and line finder LF.

In the middle of the conveyance path of the above-mentioned passbook conveyance device 8, there is installed an inlet/outlet feedout device 10 as an auxiliary printing means, and the passbook 6 remains removed from this device 10 even though there is unrecorded data. At the time, the third photoelectric sensor PH3, which feeds out one sheet of the loading/unloading table 11 by the feeding roller 12, detects the loading/unloading table 11 fed out from the above-mentioned loading/unloading table feeding device 10, and positions the printing device PR based on this detection.
Reference numeral 13 denotes an attendant key, which is inputted by the attendant when performing various processes, as will be described later.

The passbook 6 is inserted into an automatic deposit machine configured in this way with the printed page open, and when the entry data continues on the next page, the passbook 6 is returned to the customer and the customer opens the next page. Then, the next page is printed.

FIG. 2 shows the control circuit of the automatic deposit machine, and the passbook insertion slot control circuit 14 is operated by the first photoelectric sensor PH, which detects the insertion of the passbook 6 and opens the solenoid SOLitONL shutter 7, and when the transaction is completed, the solenoid OF SQL
FL and shutter 7 are closed.

The counter CT is constituted by a binary counter, and receives the signal from the first photoelectric sensor PH+ via an inverter IN.

Therefore, the count-up signal of the counter CT becomes the passbook 6 sampling signal.

The passbook position determination circuit 15 includes a second photoelectric sensor P, a Hz row detector FD, a row finder LP, and a third photoelectric sensor PHa.
The print position of the passbook 6 is determined based on the signal from the passbook 6, and the passbook conveying device 8 is driven and controlled based on this determination.

The page counter PCT deciphers the page number from the page mark read by the page finder PF.

The timer circuit T is used to set the allowable time between when the passbook 6 continues to be printed on the next page, the passbook 6 is returned to the customer, the next page is opened, and the passbook is inserted again.
It is set to 0 seconds, and when this set time has elapsed, it is determined that the customer took the item home without reinserting it.

When the above-mentioned timer circuit T times out, an attendant is called and processing is carried out by the attendant, and when the attendant key 13 is inputted, the AND gate A1 opens the gate and outputs the ISl attendance table issuance signal from the gate A1. is output, and based on this output, the entry/exit table feeding device 10 outputs the entry/exit table 11.
Pay out one piece.

The above-mentioned timer circuit T is set by the output of the flip-flop F, which is set by the one-page printing end signal, and the counter C.
This is performed by the output of the AND game A2 whose gate is opened by the passbook extraction signal from T.

The above-mentioned flip-flop F is a loading/unloading table feeding device 10.
It is reset by the operation signal.

The above-mentioned one page printing end signal resets the above-mentioned counter CT.

As will be described later, the time-up of the timer circuit T is input to the control circuit CPU (not shown). Since I know that I have taken the item home with me, I call the staff.

Of course, the control circuit CPU can reset the timer circuit T at any time.

Furthermore, instead of the one-page printing end signal, a signal indicating the start or end of a transaction or a signal indicating that the transaction is being processed may be used.In another embodiment, the signal indicating that the entry/exit slip has been fed out can also be used using the photoelectric sensor PH. Similarly to the output signal of , the input/output slip and passbook may be treated in exactly the same way as the input of the counter CT, and the output of this counter CT and the signal indicating that the transaction is being processed may be input to the AND circuit A20. Photoelectric sensor PH
, may be directly input to the control circuit κ and managed programmatically.

Furthermore, the timer circuit may be provided with a clock that interrupts every second, and it may be determined that the time is up when the control circuit counts a predetermined number of times, or there are various other methods.

Any means may be used as long as it counts a predetermined period of time after each passbook is taken out.

? The storage circuit RAM stores passbook data read by the magnetic head MH, stores the number of pages in the page counter PCT, stores unrecorded data and transaction data transmitted from the center, stores other necessary data, and stores these data. Perform reading.

A control circuit CPU controls each circuit device, and a turnout control circuit 16 connects the center and this automatic deposit machine online via a terminal controller TC.

The operation will be explained with reference to the flowchart in FIG.

When a customer makes a deposit, he or she first opens the printed page of the bankbook 6 and inserts it into the bankbook insertion slot 5.

When the first photoelectric sensor PH1 detects this, the passbook insertion slot control circuit 14 drives the solenoid SQL to open the shutter 7, and further drives the κ passbook transport device 8.

The passbook 6 is taken in by the drive of the passbook conveying device 8, and when the second photoelectric sensor PH2 detects this, the row detector FD is started.

Further, the magnetic head MH reads the bankbook data of the store number magnetically recorded on the magnetic stripe of the bankbook 6, and stores this in the storage circuit RAM.

Furthermore, if there is information that is updated with each transaction, such as the balance, printed pages, and printed lines, this information is also read.

The above bankbook data is transmitted to the center via the input/output control circuit 16 and the terminal controller TC, and the center searches the file based on the account number and inspects the bankbook data.

If there is an error in this inspection, such as there being no account number in the file, an error message is sent and processing in routine R2 is performed.

That is, a display (not shown) not only indicates to the customer that transactions cannot be made with this passbook, but also indicates to the customer that a staff member will be called and that the staff will arrive.

Then, the clerk presses the clerk key 13, and based on this signal, the bankbook transport device 8 transports the bankbook 6 to be returned.

When the customer pulls out the returned passbook 6, the passbook insertion slot control circuit 1
4 turns the solenoid SQL OFF, the shutter 7 is closed, and the processing for the error passbook 6 is completed.

If the above-mentioned passbook data inspection is OK, the customer then inserts the banknote into the banknote insertion slot 1, the Pilchiecka BC determines the authenticity and the denomination, and the control circuit CPU uses the built-in arithmetic circuit to input the deposit amount. is calculated and displayed on the deposit amount display device 3, and the customer presses the confirmation button 4 when the displayed amount is OK.

When the deposit amount is determined, this amount is transmitted to the center, and the center updates the deposit balance in the file and prints the updated new balance, unrecorded data (if any), and print data based on the current transaction data, etc. Edit and send.

On the other hand, the page finder PF reads the page mark, the page counter POT reads the page number, the line finder LP reads the print line position, and the passbook position determination circuit 15 includes the second photoelectric sensor PH2, the line detector FD, The printed line is read based on the signal from the line finder CF mentioned above.

The above-mentioned circuit 15 also determines whether or not to start a new page based on the printed line that has been read.

In the above-mentioned printing lines, carryover printing is performed on the first line, and this carryover printing is the carryover amount of the old passbook if it is a new bankbook, or the carryover amount of the previous page if it is a new page.

Therefore, if the previous transaction was performed normally,
At least the above-mentioned carryover amount is printed on the print page, so if the carryover amount is not printed, it can be determined that the passbook was taken home without being recorded in the previous transaction.

If there is a printed line in the determination of printed lines, it is determined whether there is a line that can be printed on this page, that is, whether a page break is necessary.

If there is a printable line in this judgment, routine R5
Processed by

That is, the printing position determined by the bankbook position determining circuit 15 is set in the printing device PR, and one line of print data is printed on the bankbook 6.

If this printing is only the current transaction data, the printing process will be completed, but if there is other unrecorded data, the printing line will be
1 and then moves to routine R6, in which it is determined again whether or not a page break is necessary, and if all the print data can be printed without the need for a page break, the processes of routines R5 and R6 are repeated.

When printing of all print data is completed, it is determined whether the last printed line is the last line (24th line) of the page.

In this judgment, if it is the last line of the page, it is necessary to print the repeat amount on the next page κ, so a page break is necessary, but if it is not the last line of the page, processing is performed in routine R12.

In this routine R12, it is first checked whether a new passbook has been issued, and if it is an old passbook, the updated passbook data is magnetically recorded on the magnetic stripe of the passbook 6, and this passbook 6 is returned.
When the passbook 6 is removed, the shirt cover 7 is closed and the process ends.

Note that the passbook data updated in the magnetic record described above includes new balances, new print lines, etc., but if the setting data that is magnetically recorded on the magnetic stripe is only fixed data such as store number and account number, there is no need to update the magnetic record. and is omitted.

In the above-mentioned determination of the printed lines of passbook 6, if it is determined that there are no printed lines, this indicates that the passbook was brought home without any entry processing in the previous transaction, so in the case of this passbook 6, it is processed in routine R13. be done.

That is, in routine R13, the clerk is called, a message is displayed to the customer that the clerk is coming, and the clerk presses the clerk key 13 to return the bankbook 6.

When the passbook 6 is returned, the new balance due to this transaction is re-recorded on the magnetic stripe κ.

The process then moves to routine R10, in which the transaction table 11 is set in order to print the current transaction on the table.

That is, the loading/unloading table feeding device 10 takes out one sheet of loading/unloading table 11 and sets it at the printing position κ of the printing device PR.

Since only the current transaction data is printed at this time, when this printing is completed, the entry/exit table 11 is ejected into the passbook insertion slot 5 and the shirt cover 7 is closed.

The ejected entry/exit table 11 is received by the staff member and then processed at the counter.

In other words, in this case, the passbook 6 was brought home with =m unprocessed at the time of the previous transaction, and at this time, the receipt/disbursement table with the unprocessed entry data printed by the method described later has already been stored. Complete entry into the passbook 6 is made by the counter κ based on the previous entry/exit table 11 and the current entry/exit table 11.

If the aforementioned print data ends on the last line of the page and this page is the last page of the passbook 6, a new passbook 6 is issued and processed by routine R13.

That is, the attendant is called, a message indicating that the attendant is coming is displayed to the customer, and the attendant presses the attendant key 13 to return the bankbook 6.

Since all of the print data has already been printed on this bankbook 6, only the carryover amount is printed on the new bankbook 16 to be issued, and the process is performed in routine R14.

The clerk opens the new bankbook 6, inserts it into the bankbook insertion slot 5, takes in the new bankbook, aligns the bankbook, and reads the pages and lines.

It is determined whether the read page is the first page and has no printed lines. If the page is incorrect or there are printed lines, processing is performed in routine R17.

In other words, if it is not the first page, it is necessary to change it to the first page, and if there is one printing line, the old bankbook 6 is used instead of the new bankbook 6.
Or it is someone else's passbook 6, and it turns out that the clerk made a mistake in inserting the passbook.

For this purpose, a message indicating that transactions cannot be made with this passbook 6 is displayed, the passbook 6 is returned, and the user checks the passbook 6 again and inserts the page after confirming the page.

When it is determined that the passbook 6 is a new passbook 6, the passbook 6 is set in the printing position, the carryover amount is printed, and the magnetic stripe of the passbook 6 includes the store number, account number, balance, page,
This new bankbook 6 is returned after the line's bankbook data is magnetically recorded.

The customer is then given a new bankbook 6 and an old bankbook 6.

Furthermore, if the bankbook 6 that was initially inserted has printing on the last line of the last page, it is necessary to issue a new bankbook 6, so a staff member is called, a message is displayed to the customer that the staff member is coming, and the process is executed in routine R1. Ru.

This new bankbook 6 is slightly different from the process of issuing a new bankbook by routine R14 in that transaction data and unrecorded data are printed in addition to the carryover amount.

That is, the clerk presses the clerk key 13 to return the old bankbook 6 and reinsert it into the new bankbook 6.

When a new bankbook 6 is inserted, it is taken in, the bankbook 6 is aligned, and the pages and lines are read.

It is determined whether this read page is the first page and there are no printed lines. If the page is incorrect or there are printed lines, it is likely that the κ clerk made a mistake in inserting the passbook as described above. Therefore, in routine R15, a message indicating that transactions cannot be made with this passbook is displayed, and in routine R16, the passbook 6 is returned and inserted again.

If the inserted passbook 6 is a new passbook 6 and the print page is OK, the print position is set, the carryover amount is printed first, and then the print data is transferred to the passbook by the above-mentioned routines R5 and R6. When printing of all print data is completed, processing is performed by the routine R12 described above.

Note that in the routine R12 described above, since this bankbook is a new bankbook, the magnetic recording process of the routine R14 is performed.

That is, bankbook data such as store number, account number, balance, page, and line are magnetically recorded on the magnetic stripe of the new bankbook 6.

Even if the bankbook data is fixed data such as store numbers and account numbers that do not need to be updated, this fixed data is not recorded in the new bankbook 6, so it is magnetically recorded.

When the magnetic recording is completed, the new bankbook 6 is returned, and the clerk hands the new bankbook 6 and the old bankbook 6 to the customer.

Furthermore, when it is determined that a page break is necessary in the above-described determination of whether a page break is necessary, it is then determined whether the current page is the last page and whether or not it is necessary to change the page to a new passbook.

In this determination, if there is a next page that can be printed, processing is performed by routine R3.

In addition, when all the print data has been printed in the above-mentioned printing process and it is determined that this last print line is the last print line of the page, it is necessary to print the carryover amount on the next page, so a page break is necessary. Processing is performed by routine R3.

That is, a message is displayed to the customer asking him to open the next page and reinsert the card, and the bankbook 6 is returned.

When removal of the passbook 6 is detected based on the count-up of the counter CT, a timer circuit T is set.

If the passbook 6 is inserted within the set time (20 seconds) of the timer circuit T, the timer circuit T is reset, this passbook 6 is taken in, and the passbook 6 is aligned based on the second photoelectric sensor PH2. The passbook data on the magnetic stripe of the passbook 6 is read to determine whether the same passbook 6 is inserted.

In other words, this judgment is made taking into account that another person may insert another passbook to make a deposit within the 20 seconds required for reinserting the passbook.

In the case of the same passbook 6, it is then determined whether the page has been changed to the next page, and this determination is made by determining the correspondence between the page number according to the page mark that has already been read and the page number according to the page mark read at the time of reinsertion, and it is not the next page. If it is determined that this is the case, the number of trials is increased by +1, a message is displayed to the customer to confirm the page and insert it again, and the process moves to routine R4.

The above-mentioned routine R4 repeats the above-mentioned operation, and at this time, the number of trials is checked.

The number of attempts is set to, for example, two times, and if the customer makes a mistake in inserting a page break more than twice, it is treated as invalid.

When it is determined that the bankbook 6 is the same and the page change is OK upon reinsertion, the printing position of the bankbook 6 is set, and the carryover amount is printed.

When the page break is printed only for the carryover amount, the printing process is completed, and the process is then carried out by the already mentioned routine R12, and the bankbook 6 is returned to the customer.

However, when printing unrecorded data in addition to printing a page break, the print line is incremented by 1 and processed by the previously described routines R6 and R5, and the entry/exit table dispensing device 10 prints out one sheet of the entry/exit table 11 by marking all the printed data. Then, the table feeding device 10 outputs an operation signal to reset the flip-flop F and the timer circuit T.

Next, it is determined whether all the print data for the previous bankbook 6 has been printed, and if all has been printed, the carryover amount is printed on the payout table 11, and this payout table 11 is It is discharged and the shirt door 7 is closed.

However, when other transaction data or unrecorded data is printed, these data are set line by line and printed.

That is, printing is performed on one line of the entry/exit table 11, and then it is checked whether the κ printing is completed, and if NO, the printed line is incremented by +1.
Next, it is checked whether the new entry/exit table 11 is necessary, and if NO, the next line is set at the print position and printing is repeated in routine R11.

When a new entry/exit table 11 is required, the printed entry/exit table 11 is ejected, and a new entry/exit table 11 is fed out by routine R10vc, and subsequent print data is printed.

When all the print data has been printed on the entry/exit table 11, the entry/exit table 11 is ejected and the shirt holder 7 is closed by the process of routine R18.

The ejected entry/exit table 11 is kept when the passbook 6 is taken home, and when the passbook is invalid (the number of attempts has been exceeded), it is processed at the counter based on this entry/exit table 1F.

If NO is determined in the determination as to whether or not the bankbooks are the same in the routine R3 described above, processing is performed in the routine R9.

In other words, when the above judgment is NO, the passbook 6 that was taken out for page break is taken home and the next customer inserts it within the set time of the timer 'circuit T. In this case, it is necessary to return the passbook 6 once.

For this purpose, the staff will be called and a message will be displayed indicating that the staff will arrive.
The clerk presses the clerk key 13 to return the passbook 6.

Then, the processing of routine R10 is performed.

In other words, the next customer mentioned above only inserted the bankbook 6 and no banknotes for deposit, so the transaction was not completed and it was sufficient to return the bankbook 6, but the previous customer inserted the bankbook at the time of page break. 6, the print data to be printed on the next page remains to be printed.

This remaining printing process is carried out by the process of routine R10 described above, and the printed entry/exit table 11 is stored.

Even if the same bankbook is reinserted once, the bankbook stripes may be dirty or have poor reading, and in this case as well, the determination may be No.

In this case as well, a clerk is called and a message indicating that the clerk is coming is displayed, and the clerk handles the returned bankbook and issues a new bankbook.

In the above-mentioned embodiment, when the cash-in/disbursement form is issued, the cash-in/disbursement form is kept by the clerk, but it may also be collected by the automatic deposit machine.

The validity of the passbook can also be checked by comparing it with the card data on the card and the input of the password.

[Brief explanation of the drawing]

The drawings show an embodiment of the present invention; FIG. 1 is a sectional side view of an automatic teller machine, FIG. 2 is a control circuit block diagram, and FIG. 3 is a flowchart. 6... Passbook, 8... Passbook transport device, 10... Input/output table feeding device, 11... Input/output table, 15... Passbook position determination circuit, PHi... First photoelectric sensor, CT/・・・
Counter, PR...Printing device, T...Timer circuit,
CPU・1・Control circuit.

Claims (1)

[Claims] 1. A passbook transaction device that is connected online to a center and prints printed information transmitted from the center on a passbook, comprising: a detection circuit that detects removal of a passbook; and an inserted passbook. a passbook transport device that takes in and returns the passbook; a passbook position determination circuit that determines the print lines of the passbook; and a control circuit that determines whether it is necessary to change the pages of the passbook based on the print lines of the passbook determined by the passbook position determination circuit; A determination circuit that determines whether or not a bankbook that has been returned and reinserted after it has been determined that a page break is necessary is the same as the returned bankbook; an auxiliary printing means on which print information is printed; and the auxiliary printing means. It is equipped with a printing device for printing, a timer circuit, and an attendant key operated by an attendant, the control circuit determines that a page change is necessary, the timer circuit measures a predetermined time, and the timer circuit measures a predetermined time. If the passbook does not load, or if the judgment circuit judges that they are the same passbook, printing continues to the next page, and if the timer circuit times out or the judgment circuit judges that they are not the same passbook, the clerk is called and the clerk key is pressed. A passbook transaction method in which unrecorded data is printed on the auxiliary printing means based on the operation of the passbook.