JPS5854427B2 - automatic transaction device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic transaction device that automatically handles deposits and withdrawals of banknotes among banking services.

2. Description of the Related Art Recently, various automatic transaction devices have been developed that are installed at bank branches and the like to automatically handle deposits and withdrawals of banknotes in place of bank employees.

When depositing and withdrawing banknotes using this automatic transaction device, it is necessary to authenticate that the user is the subscriber, and if the user is authenticated as the subscriber, the deposit/withdrawal machine will operate and make the deposit/withdrawal. Money can be made.

Conventionally, a personal identification card is used as the authentication means.

In other words, when a subscriber has an account at a bank, a personal identification card is issued to the subscriber, and a set of PIN numbers that the subscriber has recited is recorded magnetically and encoded on this personal identification card. be done.

When using the above-mentioned device, the card is set in the device and the above-mentioned recitation number is entered manually, and the recitation number entered manually is checked to match the recitation number read from the personal identification card. This is to authenticate that the user is the subscriber himself/herself when the subscriber is authenticated.

However, in the conventional authentication method described above, a PIN number is recorded on the personal identification card, so if this PIN number is decoded by a third party, there is a risk that someone other than the subscriber may be able to deposit and withdraw funds. However, it is possible that the card could be misused if the card is stolen or lost.

Additionally, recently there has been a movement to integrate savings accounts and credit cards into one card, and the value of each card has increased, so there is a risk of the above-mentioned abuse from this point of view as well. I don't like that.

On the other hand, some members wish to use their deposit accounts separately, such as a small deposit account that they use frequently on a daily basis, and a high-value deposit account that they use infrequently. The need to carry a personal identification card is confusing and inconvenient.

Furthermore, for the above-mentioned high-value deposit accounts, highly secure automatic transaction means that are unlikely to be misused are required.

In terms of transaction formats as well, there has been a demand for automatic transaction devices that are convenient for users and can arbitrarily perform both transactions without a passbook and transactions using a passbook using a common card.

The present invention has been made in view of the above points, and is convenient because it is possible to handle multiple deposit accounts with one card. For example, for a first deposit account with a small amount, the recorded first PIN number is used. By using an authentication method that matches the first PIN number entered manually, deposits and withdrawals can be made without any restrictions on usage.On the other hand, for example, for a second deposit account with a large amount, the readout address recorded The user authentication is made safe and secure by using an authentication means based on a match between the second PIN number read from the computer by addressing the second PIN number and the second PIN number inputted by the key, In addition, when a passbook is used, transaction details are automatically printed on the passbook, and when a passbook is not used, a transaction certificate can be automatically issued in place of the passbook, allowing users to easily make any account or transaction. An object of the present invention is to provide an automatic transaction device that allows easy trading in a bow form.

An embodiment of the present invention will be described below with reference to the drawings.

That is, Fig. 1 shows the entire automatic transaction device installed at a branch of a bank, etc. To explain its schematic configuration, 1 is a housing, and inside this housing 1 are a deposit machine and a transaction machine, which will be described later. It houses a certificate issuing mechanism, a dispensing machine, a passbook reading/printing mechanism, and a control device.

In addition, the housing 1 has a stepped portion formed in the center of the front surface in the vertical direction,
A keyboard 2, a cover 3 for returning deposited genuine notes, and a cover 4 for inserting a passbook are provided on this step.

Furthermore, the housing 1 has a deposit slot 5 into which a large number of banknotes can be inserted at once, a banknote withdrawal slot 6, a display section 7, an invalid ticket return slot 8, and a personal identification slot on the front surface above the step. A card insertion slot 9 is provided.

On the other hand, a door 10 of a safe deposit box, which will be described later, is provided on one side of the front surface of the housing 1 below the above-mentioned stage.

In addition to the banknotes, transaction certificates and personal identification cards are also withdrawn from the withdrawal port 6.

Next, to explain the deposit machine, this deposit machine detects deposited banknotes and returns invalid bills to the return slot 8 in Figure 1.
While the genuine notes are collected in the safe deposit box, the second
It is configured as shown in the figure.

That is, a storage chamber 11 is provided inside the casing 1 facing the deposit port 5 of the casing 1, and a large number of banknotes P1 to be deposited are stored in the storage chamber 11 in an upright position. It looks like this.

A cover 12 pivotally supported below the storage chamber 11 is provided on the deposit port 5, and the cover 12 is rotated in the direction of arrow a by a cam 14 attached to a cover drive motor 13. It opens as shown by the dashed line and maintains this state.

On the other hand, the storage chamber 11 is provided with an empty detection section consisting of a light source 15 and a light receiving element 16 for detecting all the set banknotes P1, and a transparent plate body coaxially supported with the cover 12. A pressing plate 17 is provided, and the pressing body 17 is configured to press the bank note P1 set in the storage chamber 11 to be deposited toward the rear side, that is, the withdrawal side, by the tension action of a spring 118.

Further, a protruding piece 12a is provided at the pivot side end of the cover 12, and when the cover 12 is closed, it presses the actuator of the microswitch 19 disposed opposite to perform the switch operation. The on/off signal of this switch 19 is supplied to a control device to be described later, and a series of operations such as unloading and conveyance to be described later are executed by the switch-on signal.

On the take-out side of the storage chamber 11, there is provided a sucker 20 which is rotatable in the direction indicated by the arrow, and vacuum-chucks the banknotes P1 set in the storage chamber 11 one by one from the frontmost end and takes them out. It looks like this.

This suction element 20 stops the pick-up operation when all detection signals obtained from the empty detection section are sent to a control device to be described later.

Further, a plurality of rollers 21 and 21 are provided on the rotation direction side of the suction element 20.
...and these rollers 21..., and the suction element 2
The main and branch conveyance paths 23a and 23 become the belt 22 that pinches and conveys the bank note P1 taken out by the main and branch conveyance paths 23a and 23.
b, 23c are provided, and one branch conveyance path 23b that passes through the main conveyance path 23a is guided downward along the inside of the rear surface of the housing 1, and is further guided toward the front surface to pass below the storage chamber 11 to the unloading end. The other branch conveyance path 23c has an output end above the storage chamber 11 led to the upper front side of the housing 1.

In the middle of the main conveyance path 23a, there is an optical detector 26, which is composed of a light source 24, a light receiving element 25, 25, etc., and which detects the bank note P2 being conveyed, and a light source 27, a light receiving element 28, etc. A jam detecting section consisting of the following is provided, and signals obtained from the detector 26 and the jam detecting section are sent to a control device to be described later.

Moreover, the discharge end of the main conveyance path 23a and the branch conveyance path 23 b p
23c, an arm 30 and a linkage 31 are connected between the starting end of
A gate 32 is provided for the distribution of the drive transmitted by the
This gate 32 is driven and controlled by a signal from a control device which will be described later.

That is, when the detector 26 and the control device determine that the banknote is a genuine banknote, the gate 32 closes the other branch transport path 23c, and transfers the banknote P2 determined to be a genuine banknote to one branch transport path. 23b, and when it is determined that the ticket is invalid, the gate 32 closes one branch conveyance path 23b and sends the invalid ticket P3 to the branch conveyance path 23c.

The output end of the other branch conveyance path 23c is communicated with a return port 8 that opens on the front surface of the housing 1, and this return port 8 includes a light source 33 and a light receiving element for determining the presence or absence of an invalid ticket. An invalid ticket detection section consisting of 34 or the like is provided.

On the other hand, the output end of the branch conveyance path 23b communicates with the upper end opening of a stacking device 35 provided on the front side, and this stacking device 35 includes a deposit box 36 extending in the vertical direction and a deposit box 36 that is connected to the deposit box 36. A receiving plate 37 that is movable in and out and up and down, and on which the transported bank note (hereinafter referred to as a deposited note) P4 is placed;
It is composed of a receiving plate device 38 for driving and controlling the receiving plate 37, and the like.

Thus, the receiving plate 37 is supported by a roller structure 40 that is movable along the horizontal guide rail 39.
0 is hooked to a belt 44 stretched between a drive pulley 42 attached to a motor 41 fixed to the guide rail 39 and boots IJ 43, 43 supported at both longitudinal ends of the guide rail 39. The receiving plate 37 moves in and out of the safe 36 as the motor 41 rotates.

Furthermore, the horizontal guide rail 39 is a vertical guide rail 451,
A belt 49 is stretched between a drive pulley 47 supported by a motor 452 so as to be movable up and down and attached to a motor 46, and pulleys 48 and 48 provided at both ends of the vertical guide rail 45. The horizontal guide rail 39 is latched so that it moves up and down as the belt 49 moves.

The receiving plate 37 moves into and out of the deposit box 36 by the rotation of a motor 41 fixed to the horizontal guide rail 39, and is moved up and down by the rotation of the motor 46, and is moved up and down to a fixed upper position as described later. (solid line shown), the top position and the bottom position are operated in three stages, and a microswitch (not shown) operated by a horizontal guide rail 39 is provided at each of the above positions to turn each switch on and off. The signal is sent to a control device to be described later.

Further, an opening 50 for taking out genuine bills is provided on the front upper end surface of the housing 1 where the safe deposit box 36 is arranged, that is, above the deposited genuine bill placement part. A lid part 3 for returning the deposited genuine bill P4 is pivotally supported at the upper end.

A lever 52 that is pulled toward the front side of the housing 1 by a spring 51 is attached to the pivot side of the lid 3, and an eccentric cam 54 attached to a motor 53 is attached to the tip of the lever 52. A contacting roller 55 is provided.

As the motor 53 rotates and the short surface of the eccentric cam 54 comes into contact with the roller 55, the lever 52 is pulled by the spring 51.
The return cover 3 is designed to open.

Therefore, the receiving plate 37 is normally stopped at the upper fixed position shown by the solid line in the figure during normal times, that is, when receiving genuine deposited bills and when waiting.
It descends when the depositor's approval is obtained (by operating the keyboard 3), and when the depositor's approval is not obtained, that is, in the case of disapproval, it rises in the direction of the genuine bill extraction opening 50 by operating the keyboard 2. Then, the genuine bill is pushed up above the opening 50 and returned to the depositor.

These controls are performed according to commands from a control device, which will be described later.

Further, a pressing force detection switch 56S is provided at the bottom of the receiving plate 37, which turns on when a certain pressing force is applied, and when this switch 56 turns on, this signal is sent to a control device to be described later. The receiving board 37 and the safe deposit box 36 are then sent out.

That is, by obtaining the depositor's approval, the receiver plate 37 on which the deposited genuine bills P4 are placed is lowered within the deposit box 36, and the actuator of the pressing force detection switch 56 is activated to collect the deposited notes P4 at the bottom of the deposit box 36 from the previous time. It makes contact with the bank note P5 placed on the table, suppresses this note P, and lowers the receiving plate 37 until a constant pressure is applied to the switch 56. When the constant pressure is applied, the receiving plate 37 is lowered. This is to move the safe deposit box 36 out.

This reduces wasted volume when frequently used banknotes are stacked and makes effective use of the limited space inside the deposit box 36.
Furthermore, the bundling work is facilitated by pressing and rolling the notes.

In addition, a door 10 that can be opened and closed by operating a key 10a is provided on the front side of the safe deposit box 36 of the housing 1. On the other hand, a motor 57 for conveyance and pump driving is installed on the inner bottom of the rear side of the housing 1. , this is transmitted to the blade input side of the clutch 60 via the boo IJ 58 and the belt 59.

Further, the output side of the clutch 60 is transmitted to the rollers 21-- constituting the conveyance paths 23a, 23b, 23c via a transmission member (not shown).

Further, the motor 57 is connected to a vacuum pump 61 adjacent thereto.
It is also transmitted.

This vacuum pump 61 is provided with a vacuum chamber 62 and a discharge accumulator 63, and this vacuum chamber 62 is communicated with the suction element 20 via a hose 64.

Further, the discharge accumulator 63 is communicated with an air discharge element 66 provided at the upper part of the storage chamber 11 via a hose 65.
The banknotes P1 stored in the storage chamber 11 are separated from each other.

In the figure, reference numeral 67 denotes casters of the housing 1, which allow the housing 1 to be moved freely on the floor.

Also, the withdrawal machine is the designated button on the keyboard 2 in Figure 1.
The system is configured as shown in FIG. 3 to dispense banknotes of the amount specified by , and the denomination also specified by the keyboard 2, to the withdrawal port 6 in FIG. 1.

That is, the cash withdrawal box 76 is housed in one side of the housing 1 .

This withdrawal box 76 is, for example, a storage box 77 divided into four stages.
It consists of a storage box 77, which is driven up and down.
. . . banknotes P6 of different denominations are stored in an upright position in each row.

In front of the cash withdrawal box 76, each storage box 77 is rotatably driven and is moved up and down as the cash withdrawal box 76 is driven up and down.
A suction member 78 is provided which takes out banknotes P6 of different denominations stored in the banknotes P6 by suction.

Further, a carry-out path 79 is provided for holding and carrying out the bank note P7 taken out by the suction member 78 to the dispensing port 6 of the housing 1, and a detector for detecting the bank note P7 being conveyed. 80, the conveyance path 79 is composed of a plurality of rollers 81... and a belt 82 wrapped around the rollers 81..., and the detector 80 is composed of a light source 83 and a light receiving element 84. Ru.

Also, inside the housing 1 is a transaction certificate issuing mechanism PR for issuing transaction certificates when withdrawing money without using a passbook.
T1 and a passbook reading/printing mechanism PRT2 are provided to print on the passbook at the time of withdrawal when a passbook is used.The transaction certificate issuing mechanism PRT, as shown in FIG. It is provided so that the certificate paper 68 is pulled out from the rotating state and carried out to the dispensing port 6 of the housing 1 by a conveyance path 69 that pinches and conveys the certificate paper 68.
is a plurality of rollers 70... and these rollers 70...
It consists of a belt 71 that is wrapped around...

Furthermore, the printing unit 7 is placed on both sides of the transported certificate paper 68.
Two ink ribbons 73 and a hammer 74 are provided, and by hitting the printing shaft 72 with the hammer 74 while sandwiching the certificate paper 68 and the ink ribbon 73, the certificate paper 6
Characters are printed on 8.

Further, a cutter 75 for cutting the certificate paper 68 into one transaction certificate is provided near the rear side of the printing section consisting of a printing shaft 72, a hammer 74, etc.

In addition, as shown in FIG. 3, the passbook reading/printing mechanism PRT2 includes four pairs of rollers 85 and 86, which will be described later, for holding and conveying a passbook in the interior of the casing 1 corresponding to the passbook insertion cover 4 in the vertical direction. A magnetic detector 87 is provided between the upper two sets of rollers 85 and 86 at a predetermined interval for reading deposit account data on the passbook, which will be described later.

Also, between the two sets of rollers 85 and 86 located in the middle -
A printing shaft 88 is provided on the side.

This printing shaft 88 is connected to the holding plate 9 together with the driving capstan 89.
0, and is rotationally driven by the rotation of the drive capstan 89.

On the other hand, a hammer 91 is provided on the opposite side from the printing shaft 88. A bankbook and an ink ribbon (not shown) are sandwiched between the hammer 91 and the printing shaft 88, and the hammer 91 is used to push the printing shaft 8.
By pressing 8, characters can be printed on the passbook.

The printing unit, which consists of a printing shaft 88 and a hammer 91, prints multiple characters on the passbook while moving laterally, as indicated by 9 in the figure.
A slide rail 2 is provided on the holding plate 90 and moves the printing section 88 side.

Also, between the plurality of rollers 85, 86 and below the lowest roller 85, 86, there are passbook conveyance guide plates 93, 94, excluding the magnetic detector 87, printing shaft 88 and hammer 91. will be provided.

Here, to explain the personal identification card, as shown in FIG. 4, there is a magnetic stripe 96 on the personal identification guard 95.
is provided, and first deposit account data 97 and second deposit account data 98 are recorded magnetically and encoded on this magnetic stripe 96.

In this case, the first deposit account data 97 is for a first deposit account with a low amount, for example, and includes a first PIN number, account number, balance, bat mark (a PIN number read from a personal identification card and a key). (indicates that the recited PIN number and the recited number did not match).

On the other hand, the second deposit account data 98 is for a second high-value deposit account, for example, and includes a read address for reading the second PIN number from the storage device of the computer, which will be described later.
It consists of an expiration date, a bad mark (in this case, it indicates that the second recitation number read from the electronic computer and the second recitation number manually entered by the key did not match), and the like.

The first deposit account data 97 and the second deposit account data 98 are stored in two magnetic stripes 961 as shown in FIG.
, 962.

FIG. 6 also shows a bankbook 99. This bankbook 99 is for a second deposit account, and this bankbook 99 has, for example, a magnetic stripe 100 on the cover, and deposit account data is written on the magnetic stripe 100. 101 is recorded, and this deposit account data 101 consists of a computer readout address, expiration date, account number, etc.

Next, the automatic transaction device is constructed as shown in FIG.

That is, the output signal of the light receiving element 25 of the detector 26 in the deposit machine is supplied to the deposit determination section 102.

This discrimination section 102 performs authenticity appraisal and denomination determination of banknotes based on the supplied signals, and an output signal representing the denomination is supplied to a deposit counting section 103.
3, the output signal is supplied to the adder/subtractor 104.

On the other hand, the output signal of the light receiving element 84 of the detector 80 in the dispensing machine is supplied to the dispensing discrimination section 105.

This withdrawal discriminating section 105 discriminates the denomination of the bank note based on the supplied signal, and an output signal representing the denomination is supplied to a withdrawal counting section 106, which outputs an output signal. The signal is supplied to the adder/subtracter 104.

This adder/subtractor 104 is connected to a main control section 107 so as to exchange signals, and an output signal from the keyboard 2 is supplied to the main control section 107 via a keyboard control section 108.

Further, the main control unit 107 is supplied with a signal indicating the authenticity of the banknote from the deposit discriminating unit 102, and furthermore, the main control unit 107
A jam detection signal from a jam detection section in the deposit machine, an invalid ticket presence/absence signal from an invalid ticket detection section, all detection signals from all detection sections, on/off signals of each switch, etc. are supplied to the deposit machine.

Furthermore, when the personal identification card 95 shown in FIGS. 4 and 5 is inserted into the personal identification card insertion slot 9 shown in FIG. Deposit account data 97 and second deposit account data 98 are read out by a magnetic detector 109 , and an output signal of this magnetic detector 109 is supplied to a personal identification card data determination section 110 .

This personal identification card data discrimination section 110 discriminates the first PIN number, reading address, account number, balance, expiration date, bad mark, etc. based on the supplied signal, and outputs an output representing the first PIN number. The signal is supplied to the recitation number verification section 111, and an output signal representing the read address is supplied via the recitation number verification section 111 to the address verification section 112 and the main control section 107. is the communication line 1 for sending and receiving signals.
An electronic computer 114 is connected via 13.

In this case, the computer stores a second PIN number for the second savings account at each address in the storage device.

When using the personal identification card 95, the personal identification card 95 is inserted into the insertion slot 9, and the subscriber uses the keyboard 2 to operate the PIN number that has been recited by the subscriber. Two output signals are supplied to the recitation number verification section 111 via the keyboard control section 108.

Note that the recitation number verification section 111 is connected to the main control section 107 so as to exchange signals.

Also, the deposit account data 10 on the bankbook 99 shown in FIG.
1 is read by the magnetic detector 87 of the passbook reading/printing mechanism PRT2, its output signal is supplied to the passbook data determining section 115.

This passbook data discrimination section 115 discriminates the read address, validity period, account number, etc. based on the supplied signal, and the output signal representing the read address is supplied to the address collation section 112.
An output signal is supplied to the main control section 107.

Further, the main control unit 107 is supplied with signals representing the account number, balance, expiration date, bad mark, etc. from the personal identification card data discrimination unit 110, and signals indicating the validity period, account number, etc. from the passbook data discrimination unit 115. The main control unit 107 further outputs signals to the display unit 7, the deposit unit control unit 116, the withdrawal unit control unit 117, the transaction certificate issuing mechanism control unit 118, and the passbook reading and printing mechanism control unit. 119.

The automatic transaction device is configured as described above, and the operation when depositing money will be explained next. In this case, the deposit machine is operated.

That is, the user operates the keyboard 2 to set the deposit amount and issues a start command.

This start command signal is sent to the main control section 107 via the keyboard control section 108, and the main control section 107 outputs a signal to the deposit section control section 116 to drive the motor 13 for driving the cover.
Operate the rotation.

This opens the cover 12 provided on the front surface of the housing 1, and the motor 13 rotates and stops.

Then, the user pulls the pressure plate 17 toward you and releases the banknote P1.
Set it in the storage chamber 11 via the.

That is, the banknote P1 is placed between the rear surface of the storage chamber 11 and the pressing plate 17.
Sandwich and store.

Thereafter, when the user pushes the cover 12 to close it, the protruding piece 12a comes into contact with the actuator of the microswitch 19, and the switch 19 is turned on.

This signal is sent to the main control section 107, and this main control section 10
A drive signal is supplied from 7 to the motor 57 via the deposit section control section 116.

As a result, the vacuum pump 61, the suction element 20, the rollers 21, etc. provided in each conveyance path 23a, etc. are driven, and the banknote P1 set in the storage chamber 11 is transferred to the suction element 2.
The sheets are taken out one by one from the front end by the rotation suction action of 0 and fed into the main conveyance path 23a.

Thus, the banknote P2 being conveyed through the main conveyance path 23a is detected by the detector 26, and further conveyed to the discharge end via the jam detection section.

At any time, the signal obtained by the light receiving element 25 of the detector 26 is supplied to the deposit determining section 102.
2 verifies the authenticity and denomination of the bank note P2 using the above signal, and sends the signal representing the denomination (only genuine notes) to the deposit counting unit 1.
Supply to 03.

Further, a signal indicating the authenticity of the banknote P2 is outputted from the deposit discriminating section 102 to the main control section 107.
07 outputs a signal to the deposit control section 116 to drive and control the gate loader j solenoid 29.

That is, when the deposit determination unit 102 determines that the banknote P2 is an invalid note, the gate 32 closes one branch conveyance path 23b and transfers the banknote P2 that has passed through the main conveyance path 23a to the other conveyance path 23c. When it is determined that the bank note P2 being sent or conveyed is a genuine note, the gate 32 is routed to the other branch conveyance path 23.
c is closed, and the bank note P2 that has passed through the main conveyance path 23a is sent to the first branch conveyance path 23b.

Therefore, the bank note P sent to the other branch conveyance path 23c
, is sent as an invalid ticket P3 to the return slot 8 provided at the upper front of the housing 1, and the invalid ticket P3 is sent to the return slot 8 by the invalid ticket detection section constituted by the light source 33 and the light receiving element 34.
This detection signal is sent to the main control unit 10.
7 and is also sent to the display section 7 to make the user aware that the invalid ticket P3 has been extracted.

Further, the banknotes P2 sent to one of the branch conveyance paths 23b are conveyed to the deposited genuine bill placement section at the upper part of the deposit box 36, and are placed one after another on the receiving plate 37 located at the upper fixed position. Ru.

When the removal of all the banknotes P1 set in the storage chamber 11 is completed, a detection signal is no longer emitted from all the detection sections configured by the light source 15, the light receiving element 16, etc. provided in the storage chamber 11. This signal is sent to the main control unit 10.
7 to stop and control the take-out operation of the suction element 20, and to display on the display section 7 the total amount of the deposited genuine bills P4 conveyed to the above-mentioned placement section.

This total amount is displayed when the signal representing the denomination is displayed in the deposit counter 1.
03, the total amount of deposited genuine notes P4 is detected, and the output signal of the deposited deposit counting section 103 is supplied to the main control section 107 via the adder/subtractor 104.

After the above, when the user approves the total amount of deposited genuine notes P4 by operating the keyboard 2, a drive signal is supplied from the main control section 107 to the motor 46 via the depositing section control section 116, and the receiving plate 37 The horizontal guide rail 39 supporting the vertical guide rails 451 and 452 automatically descends.

As a result, the pressing force detection switch 56 provided on the lower surface of the receiving plate 37 comes into contact with the upper end of the banknotes P that have been accumulated since the last time, and the receiving plate 37 further descends and presses the banknotes P. However, when a certain pressure is applied to the switch 56, this switch 56 turns on, and this signal is sent to the main control unit 1.
Sent to 07.

As a result, the motor 41 is driven, and the receiving plate 37 is moved out of the deposit box 36, and then moved upward and returned to the upper position, so that banknotes are sequentially merged and accumulated in the deposit box 36 in the order in which they were deposited. .

When the deposited regular notes P4 are conveyed to the storage section at the top of the deposit box 36, if you are dissatisfied with the total amount of the deposited regular bills P4 and request the return of the deposited regular bills P4, press the return key on the keyboard 2, for example. operate.

Then, a return drive signal is sent from the main control section 107 to the motors 46 and 53 via the deposit section control section 116, and the motor 5
3 opens the lid 3 for returning deposited genuine notes, and the receiving plate 3 which was located in the fixed position inside the deposit box 36 opens.
7 rises to the top and returns the deposited genuine note P4.

Also, operate the key 10a to release the locked state and close the door 10.
By opening the banknotes P in the deposit box 36, the banknotes P can be easily taken out.

On the other hand, when dispensing money, the dispensing machine is operated by supplying a start command signal to the main control unit 107 via the keyboard control unit 108 by operating the keyboard 2.
Furthermore, the process starts when a signal is output from the main control section 108 to the dispensing section control section 117.

Then, in the dispensing machine, as the dispensing box 76 is driven up and down, the banknotes P6 stored in each storage box 77 are taken out by the suction piece 78 and conveyed to the dispensing port 5 of the housing 1. It is to be carried out via road 79.

In this case, the storage box 77... stores bank receipts P6 of different denominations in each row, so by specifying the denomination using the keyboard 2, the designated denomination You can withdraw money.

Further, the withdrawal bank note P7 is detected by the detector 80, and at this time, the signal obtained from the light receiving element 84 of the detector 80 is supplied to the withdrawal discrimination section 105, and the withdrawal discrimination section 105 discriminates the denomination. be exposed.

Furthermore, the total amount of the withdrawal is detected by supplying a signal representing the denomination from the withdrawal determination section 105 to the withdrawal counter 106. supplied to

In this case, the withdrawal amount is initially set in the adder/subtractor 104 by operating the keyboard 2 via the keypad lower control section 108 and the main control section 107.

Then, this adder/subtractor 104 subtracts the total amount withdrawn by the above-mentioned withdrawal machine from this withdrawal amount, and the difference is 0.
When it becomes a circle, it outputs a signal to the main control unit 107 and
Since the main control section 107 outputs a signal to the dispensing section control section 117, the operation of the dispensing machine is stopped.

Also, when making the above deposit, for example, you may want to deposit a 10,000 yen bill and deposit 7,000 yen. In this case, after the deposit machine operates, the withdrawal machine will operate as described above and withdraw the difference of 3,000 yen. make money

In this case, the total deposited amount of 10,000 yen at the time of deposit is held in the adder/subtractor 104, and the withdrawal amount is subtracted from the content of this adder/subtractor 104 of 10,000 yen, resulting in a difference of 7,000 yen (i.e. 3,000 yen). When yen has been withdrawn), a signal is output from the main control section 107 to the dispensing section control section 117, and the operation of the dispensing machine is stopped.

Furthermore, if you currently deposit 10,000 yen and specify 0 yen as the deposit amount using the keyboard 2, the difference will be 10,000 yen, which corresponds to the deposited amount.

That is, the deposited amount is continuously withdrawn by the dispensing machine after joining, and in this case, the money is withdrawn in the denomination specified by the keyboard 2, and at this time, it is a currency exchange operation.

For this exchange operation, an exchange key corresponding to the deposit amount of 0 yen is provided on the keyboard 2.

In addition, when the above person withdraws money, the transaction certificate is issued by the transaction certificate issuing organization P.
It is issued by RT1, that is, the main control unit 107 outputs a signal to the transaction certificate issuing mechanism control unit 118, the certificate paper 68 and the ink ribbon 73 are sandwiched, and the printing wheel 72
is struck with a hammer 74 and printed on the certificate paper 68, and the printed certificate paper 68 is cut into one transaction certificate with a cutter 75 and sent to the withdrawal port of the housing 1 through a conveyance path 69. 6.

Now, the above-mentioned deposit machine and withdrawal machine operate as described above to enable deposits and withdrawals when the user is authenticated to be the subscriber to the deposit account. A personal identification card 95 shown in FIGS. 4 and 5 is used.

In this case, first deposit account data 97 for the first deposit account and second deposit account data 98 for the second deposit account are recorded on the personal identification card 95. You can handle 20 seats with one card.

The selection of handling for the first deposit account or the second deposit account is made by operating the keyboard 2 and supplying the output signal to the main control unit 107 via the keyboard control unit 108. .

The personal identification card 95 is inserted into the insertion slot 9 in FIG. 1, and when the personal identification card 95 is inserted into the insertion slot 9, the first deposit account data 97
and second deposit account data 98 are read out by a magnetic detector 109, and the output signal of this magnetic detector 109 is supplied to a personal identification card data determination section 110.

The personal identification card data discrimination section 110 discriminates the first bank account data 9T, such as the first PIN number, account number, balance, bad mark, etc., based on the supplied signal, and also determines the second bank account data 9T. 98, such as the read address, expiration date, bad mark, etc., is output from the personal identification card data discriminating unit 110, and signals representing the account number, balance, expiration date, bad mark, etc. are sent to the main control unit 107. Supplied.

On the other hand, an output signal outputted from the personal identification card data discrimination section 110 and representing the first PIN number is sent to the PIN number verification section 1.
11, and an output signal representing the read address is supplied to the main control section 107 via the PIN number verification section 111.

Further, during authentication, the subscriber inputs the PIN number using the keyboard 2, and the keyboard 2 output signal representing the PIN number is sent to the PIN number collation unit 11 via the keyboard control unit 108.
1.

If the user wishes to authenticate the first deposit account, the user inputs the first PIN number using the keyboard 2.

Then, in this case, the first recitation number manually entered by the key and the first recitation number read from the first deposit account data 9''7 of the personal identification card 95 are checked in the recitation number matching section 111. If they match, a signal is output to the main control unit 107 to enable the depositing machine and the dispensing machine.

On the other hand, if a request is made to handle the second deposit account, a signal representing the read address supplied to the main control section 107 is sent to the electronic computer 1 via the communication line 113.
14.

Therefore, this electronic computer 114 is addressed by a written signal and the second recitation number is read out from the storage device, and the signal representing the second recitation number is transmitted via the communication line 113 and the main control unit 107. and is supplied to the recitation number verification section 111.

If the user desires to use the second deposit account and performs authentication, the user inputs the second PIN number using the keyboard 2.

In this case, the second recitation number manually entered by the key and the second recitation number read from the computer 114 are compared in the recitation number verification section 111, and if they match, the main control section 107 outputs a signal to enable the depositing machine and dispensing machine.

Also, for the second deposit account, as shown in Figure 6, passbook 9
9 is provided, and when depositing and withdrawing money from the second deposit account, the deposited and withdrawn amount and balance can be printed on this passbook 99 by the passbook reading and printing mechanism PRT2.

That is, the passbook insertion lid 4 is opened and the passbook 99 is inserted between the pair of rollers 85 and 86 located at the top.

Then, the passbook is sequentially conveyed by a plurality of sets of rollers 85 and 86 and stopped at a printing section consisting of a printing shaft 88 and a hammer 91.

After that, the hammer 91 hits the printing shaft 88 while holding the passbook 99 and an ink ribbon (not shown), so that the deposited and withdrawn amounts and the balance are printed on the passbook 99. After printing, the rollers 85 and 86 are reversed. The passbook 99 can be returned to the passbook insertion cover 4 side and taken out.

Further, while the passbook 99 is being transported, for example, deposit account data 101 on the cover is read by a magnetic detector 87.

The output signal of the magnetic detector 8T is supplied to the passbook data discrimination section 115.
5 is the deposit account data 10 according to the signal supplied above.
The main control unit 1 determines the read address, validity period, and account number that are 1, and outputs an output signal representing the validity period and account number.
Supply on 07.

In this case, when a signal indicating the validity period and account number is supplied to the main control unit 107, the second
This is automatically selected to be handled as a deposit account.

Therefore, when the passbook 99 is not used, the user selects whether to handle the first deposit account or the second deposit account by operating the keyboard 2, but the passbook 99
9, the operation of the keyboard 2 becomes unnecessary.

On the other hand, a signal output from the passbook data determining section 115 and representing a read address is supplied to the address matching section 112.

In this case, the address verification unit 112 uses the magnetic detector 109 from the second deposit account data 98 of the personal identification card 95.
A signal representing the read address read by the personal identification card data discriminator 110 and discriminated by the personal identification card data discriminator 110 is supplied via the personal identification card data discriminator 111 .

The address collation unit 112 then compares the two read addresses and supplies an output signal to the main control unit 107 if they match.

Note that the output signal of the address matching section 112 is transmitted to the main control section 107.
A signal representing the read address is supplied to the electronic computer 114 via the main control section 107.

Further, in the passbook reading/printing mechanism PRT2, a signal is supplied from the main control section 107 to the passbook reading/printing mechanism control section 119, thereby controlling the printing section consisting of the hammer 91 and the printing shaft 88, and the rollers 85, 86. Furthermore, the passbook insertion lid 4 is controlled.

Therefore, it is convenient to be able to handle a plurality of deposit accounts with one personal identification card 95. For example, for a first deposit account with a small amount, the recorded first PIN number and the key manually input. By using an authentication method that matches the PIN number 1, deposits and withdrawals can be made without restrictions on usage, while for example, a second deposit account with a large amount of money can be addressed using the recorded readout address. By using an authentication means based on a match between the second PIN number read out from the computer and the second PIN number manually entered by the key, the user authentication becomes safe and secure.

In addition, when a passbook is used, transaction details are automatically printed on the passbook, and when a passbook is not used, a transaction certificate can be automatically issued in place of the passbook, making it easy for users to conduct transactions of their choice. Automated trading can be performed.

Incidentally, in the above embodiment, the electronic computer was connected to the main control unit through a communication line, but the electronic computer may be housed within the automatic deposit/withdrawal device.

Also, FIG. 8 shows a partial modification of the control device, in which case the recitation number verification section and the address verification section in FIG. 7 are combined into one.
In this example, there are two matching units 120.

As described in detail above, according to the present invention, it is possible to conduct transactions with multiple deposit accounts with one card, highly secure transactions, and when using a passbook, transaction details can be transferred to the passbook. Automatic transaction equipment that allows users to easily conduct automated transactions using any account and transaction type, as it can print automatically and automatically issue a transaction certificate in place of a passbook when a passbook is not used. Can be provided.

[Brief explanation of drawings]

The figures are for explaining the present invention in detail. Figure 1 is a perspective view of the entire device, Figure 2 is a configuration diagram showing the deposit machine, and Figure 3 is a transaction certificate issuing mechanism, withdrawal machine, and passbook. Fig. 4 is a front view showing one embodiment of the personal identification card; Fig. 5 is a front view showing another embodiment of the personal identification card; Fig. 6 shows a bankbook. A perspective view, FIG. 7 is a configuration diagram of the control device, and FIG. 8 is a partially modified configuration diagram of the control device. 95...Personal identification card, 97...First deposit account data, 98...Second deposit account data, PRTl...Issuance of transaction certificate Mechanism, P
RT2... Passbook reading and printing mechanism.

Claims (1)

[Claims] 1. A reading means for accepting a personal identification card having first deposit account data and second deposit account data recorded thereon and reading the contents thereof, and a transaction for which of the deposit accounts read by the reading means. an input means for inputting whether to carry out a transaction, a keyboard for inputting a PIN number, and, in accordance with the input to this input means, a PIN number read from the personal identification card and input from the keyboard when transacting with the first deposit account. When making a transaction with the second deposit account, the PIN number stored in the storage unit accessed by the address read from the personal identification card is compared with the PIN number entered from the keyboard. An automatic transaction device characterized by comprising a PIN number comparison means for performing a comparison.