JPS6132718B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic transaction processing device that checks whether a user is legitimate or fraudulent and automatically performs transaction operations such as deposits and payments according to the customer's own operations.

Automatic transaction processing devices currently in practical use read the PIN number from the identification card presented by the user, compare this number with the PIN entered by the user, and if the two match, the transaction is legitimate. Transactions are carried out as a user. As proof that the identification card was indeed used for this transaction, the name, account number, etc. recorded in embossed letters on this card are imprinted on the transaction record sheet along with transaction data such as date and amount. There is.

As mentioned above, this automatic transaction processing device limits transactions to the holder of the card, and customers who only have a bankbook cannot use this device. This is inconvenient for passbook transaction customers, and for banks, labor-saving counter operations are insufficient, and the amount of paperwork at counters remains high. Therefore, I would like to carry out the same transactions as with the above card in passbook transactions, but in this case, it is impossible to emboss and imprint characters on the passbook to prove the use of the passbook in that transaction, which is impossible with a paper passbook. This hinders the implementation of automatic transactions using toku.

Therefore, an object of the present invention is to enable automatic transactions using only bank transfers, and to leave a record proving that the passbook was used in the transaction records kept by the bank.

According to the present invention, a PIN number or a number having a specific relationship thereto is recorded invisibly in a part of the passbook, and this number and the number inputted by the user using the keys match or have a specific relationship. is inspected, and all or part of the passbook is optically scanned, and if the result of the inspection is satisfactory, the image information obtained by the scanning is used as data indicating transaction details such as date and amount. Similarly, it is recorded as transaction data held by banks.

The present invention will be explained in detail below with reference to the drawings.

Fig. 1 shows the external appearance of the automatic transaction processing device of the present invention, where 1 is the main body of the automatic transaction processing device, 2 is a display section that displays whether the device is in a transaction-ready state, and 3 is for identity verification. A card insertion slot for inserting a magnetic card, 4 a push button for calling an attendant, 5 a display section for displaying instructions to guide the user's operations, and 6 a keypad for inputting a PIN number, amount, etc. A keyboard; 7 is a bill insertion slot into which bills are inserted when making a deposit; 8 is a bill receiving slot where bills are received when making a payment; 9 is a bill return slot where the inserted bill is returned if there is an abnormality; 10 1 is a display section for displaying the amount of inserted banknotes; 11 is a push button for starting a deposit operation; and 12 is a passbook insertion slot for inserting a passbook.

FIG. 2 briefly shows the internal configuration of the apparatus shown in FIG. 1.

13 is a card reader that feeds the magnetic card 14 inserted through the card insertion slot 3 and reads the password, account number, and balance stored on the magnetic card; 15 reads the contents embossed on the magnetic card 14; An imprint unit 16 for copying on slips and journal paper displays characters on the display unit 5 to guide the user's operations, and also displays the password, number of banknotes, denomination, etc. by pressing keys from the keyboard 6. An operation unit that generates a signal to start payment, etc., 17 a payment machine that dispenses and counts specified types of banknotes and discharges a specified number of banknotes into the banknote receiving slot 8, and 18 determines whether the received banknotes are genuine or false. A deposit machine 19 reads the print position of the passbook 21 inserted by the user, sets the position in the printing mechanism, and prints the transaction details and results on the passbook 21. 20 is a passbook image generation unit that reads the cover of the inserted passbook 21 with an image sensor and generates image information;
22 is a journal printer that prints transaction details such as date and amount and passbook image on journal paper;
Reference numeral 23 denotes a control section which organically controls the above-mentioned sections and also includes a memory, various step counters, registers, and logic for driving each mechanism, in order to control the transmission and reception of data with the center via the terminal controller T/C.

The operation of the automatic transaction processing device having the above configuration will be explained separately for transactions using a card and transactions using a passbook.

First, in a transaction using the magnetic card 14, the user inserts the magnetic card 14 into the card insertion slot 3. When the card reader 13 detects insertion of the card, it sends the card to a reading section, where the PIN number and other transaction information are read. On the other hand, the user presses the password on the keyboard 6 according to the instructions displayed on the display section 5. Both the read information from the card reader 13 and the keystroke information are sent to the control unit 23, and it is checked whether they match or have a specific relationship. If it is confirmed that the two match or have a specific relationship as a result of this inspection, a message to specify the denomination and number of coins for payment will be displayed on the display unit 5, and a bill will be inserted for deposit. A message indicating this is displayed. The user operates the keyboard according to these displays,
or insert a bill to initiate a payment or deposit operation. During these operations, the magnetic card 14 is sent to the imprint section 15 located further back from the reading section, and a journal printer 22 prints data indicating transaction details such as transaction date, deposit, payment type, and amount. The account number and name embossed on the slip and journal paper are imprinted as shown at 24 in FIG. When the payment machine 17 or deposit machine 18 completes its operation, the magnetic card 14 is returned to the card insertion slot 3.
Note that if the read information on the magnetic card 14 and the user's keystroke information do not match or do not have a specific relationship, the device simply returns the magnetic card 14 to the card insertion slot 3.

The operation of the device in the case of the next transaction using the bankbook 21 will be explained using FIGS. 3 and 4.

3 and 4 show the configurations of the bankbook recording machine 19, the bankbook image generating section 20, and the journal printer 22, and the relationship among these devices. In the figure, a bankbook 21 is inserted into the bankbook insertion slot 12 with the page to be printed opened and the front and back covers facing down. A sensor 26 provided behind the passbook insertion slot 12 generates a passbook detection signal when the light from the lamp 27 is blocked by the inserted passbook 21. This detection signal starts and rotates the feed rollers 28a, 29a, and 30a in the forward direction, and conveys the passbook 21 to the back while being held between the pressure rollers 28b, 29b, and 30b. An image sensor 31 facing the cover of the passbook 21 is located in the middle of this conveyance path.
is provided. This image sensor 31 optically scans an object and extracts the image as an electrical signal using a photoelectric conversion element, and is a known image sensor that is commonly used. The entire cover of the bankbook 21 is optically scanned by the image sensor 31, and the electrical signal is supplied to the reading circuit 32. The reading circuit 32 amplifies and shapes the electric signal, converts it to a predetermined logic voltage level, and sequentially stores it in the data buffer 33. The image information stored in this data buffer 33 is later read out during journal printing.
Visualized on journal paper.

Further, a magnetic head 34 is provided on the conveyance path of the passbook 21 at a position facing a part of the back cover thereof. This magnetic head 34 reads information magnetically stored in the magnetic film 21a provided on the back cover of the bankbook 21. The information is similar to the information recorded on the magnetic card 14, and the information regarding the personal identification number is compared with the user's keystroke information in the same way as in the case of card transactions. If the two parties match or have a specific relationship, an instruction will be given to start the transaction,
If the two do not match or do not have a specific relationship, the feed rollers 28a, 29a and 30a are reversed and the passbook 2
Return 1 to the insertion slot. As with the above cards, when a transaction is initiated by the user,
The payment machine 17 operates the deposit machine 18, and the passbook entry machine 1
9 prints the transaction data on the passbook 21.

Entries in the passbook 21 are made by a print head 35 within the passbook entry machine 19. Before the print head 35 starts printing, a sensor (not shown) in the bankbook 21 detects that the field to be printed has reached the print position between the print head 35 and the platen 36, and the feed rollers 29a, 30a start rotating. It is already in a stopped state. The printing head 35 prints transaction data such as date, amount, and balance while moving in a direction perpendicular to the direction of travel of the passbook 21.

On the other hand, the print control circuit 3 of the journal printer 22
7 is also supplied with data such as date, amount, etc., and account number information read from the magnetic film 21a of the passbook 21. The print control circuit 37 includes a character pattern memory,
It consists of various registers, timing circuits, and various gate groups, and distributes a driving signal to a printing element driving circuit 38 to cause a printing head 39 to print the transaction data. The printing head 39 is equipped with a large number of raw dot printing elements to express characters, etc., and these printing elements include a printing wire and, if a special paper is used for the journal paper 40, a heating element or a needle. Electrodes etc. may also be used. Journal paper 40 is passed from supply roll 41 to print head 39 and imprint section 15 to take-up roll 42.
and stored within the device as a transaction record.
When the print head 39 finishes printing the transaction data on the journal paper 40, the print control circuit 37
The image information of the bankbook is sequentially read out from the data buffer 33, and visualized as the actual image on the journal paper 40 by the printing head 39 as shown at 25 in FIG. Although the image of the passbook 21 printed on the journal paper 40 is expressed in raw marks, the fact that the account number and name, which are the handwritten parts of the passbook 21, are expressed in the same handwriting as the actual handwriting, confirms the use of the passbook 21. It is important as a proof, has the same value and meaning as the embossed character imprint on the magnetic card 14, and can provide extremely effective materials for solving problems that occur in transactions using passbooks.

When the printing of transaction data on the passbook 21 and journal paper 40 is completed in this way, the feed roller 2
8a, 29a and 30a are reversed to return the bankbook 21 to the bankbook insertion slot 12.

In this embodiment, transaction data such as date and amount and bankbook image information are printed by one print head 39, but they may be printed by separate print heads. In addition, not only the entire cover, but also a part of the cover or an imprint of the Kude seal may be scanned and printed as a part to prove the use of the passbook.

As explained above based on the embodiments, according to the automatic transaction processing device of the present invention, records that reliably prove the use of the passbook are kept on the bank side even in passbook transactions, so it is similar to card transactions. In addition, automatic transactions can be carried out by the user's own operations, which can promote labor saving in counter operations, and also have the effect of quickly resolving any troubles that may occur between the user and the bank due to passbook transactions.

[Brief explanation of the drawing]

FIG. 1 is a perspective view showing the appearance of an automatic transaction processing device according to the present invention, FIG. 2 is a block diagram schematically showing the configuration of the automatic transaction processing device according to the present invention, and FIG. 3 is a bankbook recording machine and a bankbook. FIG. 4 is a diagram showing the mutual relationship between the image generating section and the journal printer, FIG. 4 is a view of the travel path of a bankbook viewed from below, and FIG. 5 is a diagram showing an example of journal printing in the case of card and bankbook transactions. 14... Magnetic card, 19... Passbook entry machine, 2
0...Passbook image generation part, 21...Passbook, 22
... Journal printer, 31 ... Image sensor, 34 ... Magnetic head, 35, 39 ... Print head.

Claims (1)

[Claims] 1 Testing that the PIN number recorded invisibly on a part of the bankbook or information related to it in a specific manner matches or has a specific relationship with the number entered by the user using the keys, and the result is satisfactory. An automatic transaction processing device that executes a transaction and prints information related to the transaction as stored transaction data on journal paper using a journal printer, optically scans part or all of a passbook and prints it as stored transaction data. The passbook image generation unit includes an image sensor that extracts image information that specifies the image as an electrical signal, and a data buffer that stores the image information extracted by the sensor and outputs it as print information to a journal printer. An automatic transaction processing device characterized by printing on paper.