JPS6357832B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a passbook processing device in which a processing section is provided along a passbook conveyance path that communicates with the outside to perform predetermined processing on passbooks.

Generally, a deposit system in a financial institution such as a bank consists of a large-scale central processing unit consisting of an electronic computer and a storage device that stores ledgers of all deposit accounts, each connected to the central processing unit via a communication line. , consists of multiple terminal devices installed at each deposit counter, such as passbook handling devices, and currency transaction devices such as automatic deposit devices and automatic deposit payment devices installed at each store, and transactions can be made from any of the devices. The central processing unit's storage device can be accessed online and in real time, allowing transactions to always be based on the latest data. The introduction of such a deposit system has made it possible to conduct transactions such as automatic salary transfers and automatic utility bill transfers, but this has led to an increase in transactions that are not recorded in passbooks. For example, if a depositor brings their passbook with them to make a deposit, unrecorded data such as transfers and transfers before the transaction will be printed on the printed side of the passbook over many lines, so-called unrecorded information. will occur. Therefore, the amount of printing on passbooks increases, and the number of reissuing new passbooks also tends to increase significantly.

In such a deposit system, updating of a passbook has conventionally been processed as follows. In other words, conventional currency transaction devices have a built-in printing device that automatically prints transaction details on the passbook brought by the user, but if the passbook printing space becomes full while printing the passbook, the device Either the operation stops and the staff reinserts a new passbook, or if the printing space is about to become full during a transaction, the transaction details can be printed without adding blanks and the procedure can be completed at the counter. The method used was to ask people to get used to it, or to not accept passbooks that were about to fill up the printing space. However, in either case, extremely troublesome procedures were required for users and staff.

Therefore, in recent years, devices have been adopted in which a new passbook is built in, and when the printing space of an accepted passbook is full, that is, when the passbook is updated, the built-in passbook is taken out and printing continues. ing. However, this requires providing a storage section for storing the passbook. In this case, if the passbook is closed and stored in the storage section, the passbook must be turned over when printing for the first time, which increases processing time. On the other hand, if the bankbook is accommodated in the accommodating section with the printed pages open, there is a drawback that the accommodating space becomes longer in one direction, resulting in an increase in the size of the device.

The present invention has been made based on the above circumstances, and its purpose is to not only automatically perform passbook update procedures, but also to make the passbook dispensing unit more compact and to shorten the processing time at the time of update. An object of the present invention is to provide a passbook processing device that can perform the following operations.

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows a passbook P used in a passbook printing device as a passbook processing device according to the invention.
In this passbook P, a plurality of pages c... are bound in a booklet form between the front cover a and the back cover b, and a plurality of lines of printing fields d are printed on each printing surface of these pages c... . Further, a page mark e for specifying page c is provided for each page c, and corresponds to a deposit item in a ledger file 56, which will be described later. Further, a magnetic stripe f is attached to a predetermined portion of the back cover b, and the representative account number and the latest balance entered in the ordinary savings passbook are written thereon.

FIG. 2 shows the printing device 1, in which 2 is a housing. An entrance/exit 3 for a bankbook P is formed on the front surface of the casing 1. In addition, inside the housing 2, there is a conveyance path 4 for the passbook P received from the input/outlet 3, a storage section 5 arranged in order from the input/output 3 side along this conveyance path 4, and a magnetic processing section. a stripe record reading section 6, an information detection section 7 as a processing section,
A printing section 8 as a processing section, a passbook flipping device 9, and a passbook feeding section 10 are accommodated. In addition, 1
1 is a first passbook detector for detecting the presence or absence of a passbook P between the entry port 3 and the storage section 5; 12 is a first passbook detector for detecting the presence or absence of the passbook P between the storage section 5 and the magnetic stripe recording reading section 6; The second passbook detector 13 is a third passbook detector that detects the presence or absence of the passbook P in the passbook flipping device 9.

The conveyance path 4 is for conveying the passbook P received from the input/output port 3 in an open state, and is driven by the drive motor 1.
A plurality of first driving rollers 15 . . . , which are driven by a plurality of first driving rollers 15 , which are driven by
A plurality of pinch rollers 16 . And passbook P
It is now possible to stop at a predetermined position or move backwards.

The holding section 5 temporarily holds the passbook P on the way to being transported, and as shown in FIG. A guide plate 17 and a second guide plate 1 arranged to form a first accommodating part 18 for accommodating the passbook P opened below the conveyance path 4.
9, a second drive roller 20 whose peripheral edge partially protrudes from the first guide plate 17 into the conveyance path 4 and is driven by the motor 14, and a second drive roller 20 which protrudes into the first storage section 18 when necessary. The holding roller 21 presses the passbook P in the first storage section 18 against the second driving roller 20. The presser roller 21 is attached to one end of an arm 23 that is rotatably supported on a rotation shaft 22.
Further, a first solenoid 2 is provided at the other end of the arm 23.
4, the first operating rod 25 and the return spring 26 are connected. When the first solenoid 24 is energized, the presser roller 21 is moved to the first accommodating portion 1 when the first solenoid 24 is energized.
When the first solenoid 24 is demagnetized, the first
It is designed to be evacuated from the housing section 18 of. Further, a shutter 29 attached to the second actuation rod 28 of the second solenoid 27 is provided on the input/outlet 3 side of the storage section 5.

The magnetic stripe recording reading unit 6 reads information on the magnetic stripe f, and reads information on the magnetic stripe f.
A magnetic head 30 is placed opposite the conveyance path 4.

The information detection unit 7 optically detects page marks e, printed lines, etc., and includes an information detector 33 that includes a light source 31 that illuminates the bankbook P, a light receiving element 32 that receives reflected light from the bankbook P, and the like. It is configured with

The printing section 8 prints transaction details on predetermined printing lines of the bankbook P, and is composed of a printing head 34, a platen 35, and the like.

The passbook flipping device 9 includes a flipping roller 36 which is disposed facing the page c side, that is, the top surface, of the passbook P in the conveyance path 4 and is driven by the motor 14.
and a pressing pad 39 attached to the third actuation rod 38 of the third solenoid 37,
The passbook P, which is stopped with its end set at the position of the turning roller 36, is pressed against the turning roller 36 by a pressing pad 39 and the turning roller 36 is driven to rotate, thereby turning the pages. It's summery.

As shown in FIG. 4, the passbook supply unit 10 has the following functions:
A new passbook P is issued when the passbook P is updated, and the passbooks P are stacked and accommodated in a second accommodating part 40 with predetermined pages c . That is, the forward side of the passbook P in the second storage section 40 from the seam in the passbook feeding direction is always kept in the above-mentioned state by the third guide plate 41 for regulating the take-out position and the biasing spring 42. It is held horizontally between a backup body (mounting table) 43 which is urged in the direction of the third guide plate 41. Further, on the rear side in the passbook feeding direction from the binding of the passbook P..., a fourth guide plate 61 connected to the third guide plate 41 and a fifth guide plate 63 connected to the frame 62 are connected. In between, they are held diagonally to the horizontal and in a stacked state. As a result, the notification P... is held in a bent, half-open state. Further, an opening 44 is formed in the third guide plate 41, and a take-out roller 46 driven by the motor 14 via a clutch 45 passes through the opening 44 from the seam of the passbook P at the end of the passbook. The pressure contact is made on the forward side in the feeding direction. As the take-out roller 46 rotates, the bankbooks P are horizontally fed one by one from the take-out port 47 to the transport path 4. Further, the above-mentioned outlet 47 is connected to the above-mentioned third
There is a space between the guide plate 41 and one end of the side guide plate 48 disposed opposite to the side of the passbook P stored in the second accommodating section 40. It is wider than the book.

FIG. 5 schematically shows the configuration of an online deposit system using the printing device 1, which includes the printing device 1, a deposit device (not shown), and a buffer 4.
The automatic teller machine 51, which is one of the terminal devices 50 incorporating the 9, has a modem 52, a communication line 53, and a modem 54
Center CPU as a central processing unit
It is connected to system 55. The buffer 49 is used to temporarily hold data transmitted from the automatic teller machine 51 to the center CPU system 55 and data returned from the center CPU system 55 to the automatic teller machine 51. In addition, the above center
The CPU system 55 is provided with a ledger file 56 as a ledger that stores transaction data for each account and has a plurality of items such as ordinary deposits, savings deposits, and time deposits for one account number. The file structure of this ledger file 56 is as follows. That is, the file name is the representative account number, and the file is divided into sub-files such as ordinary deposits, savings deposits, time deposits, etc. Each subfile contains deposit data.

When the user opens the print page and inserts the passbook P from the entrance/exit 3 of the passbook printing device 1 to use the automatic deposit machine 51, the first passbook detector 11
detects the tip of the passbook P. Then, shutter 2
9 is released, the presser roller 21 rolls into contact with the second drive roller 20, and at the same time the drive motor 14
rotates in the passbook taking-in direction, and the passbook P is taken into the conveyance path 4 and conveyed. Then, the bankbook P detects information such as the account number on the magnetic stripe f by the magnetic head 30, and the printed pages and printed lines by the information detector 33, and then is set at the printing position and waits. On the other hand, a deposit device (not shown) accepts cash as a savings account, counts the amount, and records the account number, printed page, etc.
The number of lines printed, the amount, and the latest balance entered in the passbook are displayed in the center.
It is sent to the CPU system 55.

Upon receiving this, the center CPU system 55 reads out the account data from the ledger file 56, compares the bankbook entry balances to see if the file data and the transmitted data match, and if the data match. It is verified that there is no error in the account number, and if the data does not match, for example, the bankbook P is returned to the user and the user is asked to complete the procedure at the counter and the transaction is completed. On the other hand, to determine whether or not the passbook P will be updated if the data match, calculate the number of printable lines for the subject item from the print page and specified number of print lines of the transmitted data, and compare this with the attached data and the transaction data. The number of lines to be printed is compared with the number of lines to be printed, and if the number of lines that can be printed is smaller, the bankbook is judged to be updated. If the passbook P is not updated, the ledger file 56 is updated, the print data is returned from the center CPU system 55 to the automatic deposit machine 51, and is held in the buffer 49.
After the bankbook P is printed and the magnetic stripe f is rewritten, the bankbook P is returned and the transaction is completed. On the other hand, when the passbook P is updated, the ledger file 56 is edited and updated, and the print data is returned from the center CPU system 55 to the automatic deposit machine 51. At this time, in addition to the deposit data of the subject, the account Other deposit data is also returned to the terminal side and held in the buffer 49. First, data for the remaining lines of the accepted passbook P is printed by the printing head 34, and then the motor 14 is rotated in the passbook ejection direction, and the rear end of the passbook P is detected by the second passbook detector 12. At this point, the motor 14 is stopped and the presser roller 21 is moved to the second drive roller 2.
0 and reserve the passbook P in the first accommodating section 18. Next, when the motor 14 is rotated again in the bankbook ejection direction and the clutch 45 is connected, the take-out roller 46 is rotated and a new bankbook P is delivered from the second storage section 40 to the transport path 4. When the leading edge of the passbook P is detected by the third passbook detector 13, the clutch 45 is disconnected and the next passbook P is detected.
At the same time as preventing the bankbook P from being taken out, the first line of the bankbook P that has been taken out is set at the print position of the print head 34. Here, the remaining savings account data is read out from the buffer 49 again and printed. When this is completed, the passbook P is turned over to the fixed deposit page using the passbook flipping device 9 and set to the printing position again.
The time deposit data is read out from the buffer 49 and printed. Next, the reserve deposit data is printed in the same manner.

When all the data to be printed has been printed, the motor 14 is rotated in the passbook ejection direction, and the magnetic stripe f is rewritten as the new passbook P is transported. The motor 14 is stopped when the passbook detector 12 detects the detection. As a result, two old and new bankbooks P, P are stacked in the first storage section 18. Next, the shutter 29 is opened and the two old and new passbooks P, P are moved to the second drive roller 20 by the presser roller 21.
, and discharge it all at once from the first storage section 18. The motor 14 is kept rotating until a predetermined period of time has passed since the tips of the passbooks P and P are detected by the first passbook detector 11. As a result, the old and new bankbooks P, P are returned to the user all at once, the shutter 29 is closed, and the transaction is completed.

In this way, since the passbook dispensing unit 10 that dispenses passbooks P one by one is provided on the conveyance path 4, when a passbook P is updated, a new passbook P can be automatically reissued without the intervention of a staff member. The update procedure for the bankbook P can be carried out automatically.

Moreover, since the passbook supply unit 10 stores the passbook P with the predetermined page c half-open, it is possible not only to omit page turning at the time of first printing and shorten the processing time, but also to reduce the processing time. The passbook dispensing unit 10 can be made more compact than when P is housed in a completely open state. Moreover, since the front side of the half-opened passbook P in the passbook feeding direction from the seam is held horizontally, and the rear side from the seam is held diagonally to the horizontal, the installation floor area of the device can be reduced. I can do it. Since the take-out roller 46 presses the bankbook P from the binding edge on the forward side in the bankbook feeding direction and feeds the bankbook P to the conveyance path 4, the pages of the bankbook P are not turned over.

In addition, when it is detected that a passbook P update occurs for a transaction in a specific account, in addition to the deposit data for that account, the deposit data for other accounts in that account is also sent to the terminal, and these data are sent to the terminal. Since the deposit data is printed separately in the passbook P received from outside and the built-in passbook P, even if the passbook P has multiple subjects, it can be automatically updated.

In addition, when updating the passbook P accepted from outside,
The old passbook P received from outside and the new passbook P stored inside are collected in the holding unit 5 after prescribed processing and are discharged to the outside all at once, so it is possible to prevent one passbook P from being forgotten. .

As explained above, in a passbook processing device in which a processing section is provided along a passbook conveyance path that communicates with the outside to perform predetermined processing on passbooks, there is a storage section that accommodates half-opened passbooks in a stacked state; The storage section includes a passbook take-out roller that comes into contact with the stored passbook on the forward side in the passbook dispensing direction from the seam and horizontally feeds the passbooks one by one to the processing section, and the storage section includes:
A mounting table for placing a half-open passbook from the seam to the front side in the passbook dispensing direction horizontally and in a stacked state; In addition, since it has a guide that guides you to the stacked state, when a passbook update occurs, a new passbook can be automatically reissued without the intervention of a staff member, and the passbook renewal procedure can be carried out automatically. Moreover, not only can the processing time be shortened by omitting page turning when printing for the first time, but also the passbook accommodating section can be made more compact and the installation floor area of the device can be reduced. This has excellent effects such as preventing the pages of the passbook from turning over.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention, in which Fig. 1 is a perspective view of a passbook, Fig. 2 is a vertical side view of the passbook printing device, Fig. 3 is a longitudinal side view of the holding section, and Fig. 4 is a side view of the passbook. FIG. 5, a longitudinal side view of the dispensing section, is a schematic diagram of the online deposit system. P... Passbook, c... Page, 1... Passbook processing device (printing device), 4... Conveyance path, 6... Processing section (magnetic stripe recording reading section), 7... Processing section (information detection section) , 8... processing section (printing section), 40... second storage section, 43... mounting table (backup body),
46... Take-out roller, 61... Fourth guide plate,
63...Fifth guide plate, 40...Second storage section, 46...Takeout roller.

Claims (1)

[Scope of Claims] 1. A processing section is provided along a passbook conveyance path that communicates with the outside to perform predetermined processing on the passbooks, which comprises: a storage section for storing half-opened passbooks in a stacked state; a passbook take-out roller that comes into contact with the stored passbook on the front side in the passbook feeding direction from the seam and horizontally feeds the passbooks one by one to the processing section; A mounting table for placing a half-open passbook on the front side in the passbook dispensing direction from the binding seam horizontally and in a stacked state, and a half-open passbook placed on the back side in the passbook dispensing direction from the binding seam in a non-horizontal direction and in a stacked state. A passbook processing device comprising a guide for guiding the passbook.