JPH0215900B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic transaction device that allows a user to perform transactions such as deposit payments and deposits using a magnetic card or a passbook with a magnetic stripe.

Many automatic transaction devices such as those mentioned above are already installed and available for use at banks and other financial institutions, but these automatic transaction devices have separate insertion slots for magnetic cards and passbooks, which makes it difficult to use them. At first, people are confused as to which slot to insert their magnetic card or passbook into. In addition, having separate insertion slots means that a recording device such as a magnetic reading/writing device to read and write the magnetic stripe of a magnetic card or passbook and a journal printer to create transaction records is installed for each, making the device expensive. I have to. Furthermore, transaction records are printed on separate journal papers for transactions using magnetic cards and bankbooks, which is extremely inconvenient for post-mortem investigations.

The present invention aims to solve these problems, and includes a bankbook/card combination slot in which a magnetic card guide is provided in the slot, and a card inserted through the bankbook/card slot. A sensor is provided to detect whether it is a passbook or a magnetic card, and the type of inserted medium is determined based on the detection signal of the sensor, and the transaction mode of a passbook transaction or a non-passbook transaction is selected depending on the type. means for selecting a media feeding mode; a feeding device for feeding the inserted medium in the selected feeding mode; a recording head for printing transaction records on passbook and journal paper fed by the feeding device; The magnetic card and the passbook are equipped with an imprinter that stacks paper and a magnetic card and transfers the embossed characters of the magnetic card onto the journal paper, and a magnetic head that reads and writes the magnetic stripes on both the magnetic card and the passbook. can be inserted through a single insertion slot, and the journal paper and recording head for printing transaction records and the magnetic head for reading and writing magnetic stripes can be used in common for both bankbook transactions and non-bankbook transactions. It is.

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

FIG. 1 is a schematic perspective view showing the external appearance of the device of the present invention, in which 1 is a display section that displays whether or not a transaction can be executed, 2 is a guide display section that displays user operation guidance text, and 3 is a passbook or The passbook/card insertion slot 4 for the magnetic card is a bill deposit/withdrawal slot into which paid bills are discharged and deposited bills are inserted. The above passbook/
A front view, a plan view, and a side view of the card insertion slot 3 are shown in FIGS. 3 to 5.

As shown in the figure, the width of the passbook/card insertion slot 3 is set to match the passbook side, and it also guides the insertion of a magnetic card so that both magnetic stripes (described later) can be read and written with the same magnetic head. A stepped portion 3a is provided at the lower edge of the entrance. Of course, the width of this stepped portion 3a is matched to the width of the magnetic card.
As shown in FIG. 3, the card guide surface 3b is an inclined surface that becomes higher as it goes deeper, but eventually becomes a flat surface from a position where it intersects with the passbook guide surface 3c. In FIGS. 4 and 5, 5 indicated by a broken line is a magnetic card having a magnetic stripe 5a and embossed characters 5b on one side as shown in FIG. 7, and 6 indicated by a chain line is a magnetic card as shown in FIG. A horizontal bankbook with a magnetic stripe on its back cover; 7 a magnetic head for reading and writing the magnetic stripes on both the magnetic card 5 and the bankbook 6; 8a to 8f feed rollers for feeding the magnetic card 5 or the bankbook 6; S ₁ is a first sensor that detects the insertion of the magnetic card 5 or passbook 6, and S ₂ and S ₃ are second sensors that detect whether the inserted medium is the passbook 6 or the magnetic card 5.
a sensor and a third sensor.

Figure 6 shows the mechanism of the magnetic stripe reading/writing section, imprinter section, journal, and passbook printing section of the passbook/card feeding path, and the inserted passbook 6 or magnetic card 5 is inserted into the above passbook or card inserted. It is sent here from mouth 3. In the figure, 9 is a pressure roller for uniformly pressing the magnetic stripes 5a, 6a against the magnetic head 7, 10 is a journal paper using pressure-sensitive paper, and 11 is a bankbook 6 and the journal paper 10 for printing transaction records. 12 is a platen roller for pressing the journal paper 10 against the embossed characters 5b of the magnetic card 5 to make a copy; 13;
14 is a take-up roll for winding up the journal paper after the transaction record is printed, and 15 is a retractable ink ribbon.

Next, the operation of the automated teller machine having the above structure will be explained with reference to the block diagram of FIG.

First, when the user inserts the bankbook 6 or the magnetic card 5 into the bankbook/card insertion slot 3, the light to the sensor _S1 is blocked and the insertion of the medium is detected. Thereby, the passbook/card feeding device 16 receives an operation command from the main control section 17, drives the feed rollers 8a to 8f, and sucks the inserted medium. During this suction, if the inserted medium is the magnetic card 5, the sensor S ₂
in the “dark” state, and in the case of passbook 6, the sensor
Both S ₂ and S ₃ are brought into a "dark" state. this sensor
Passbook/card discrimination unit 18 based on the detection signals of S ₂ and S ₃
sends a passbook or card identification signal to the main control unit 17, and the main control unit 17 accordingly displays the guidance text suitable for starting a passbook transaction or the guidance text suitable for starting a passbook transaction on the guidance display unit 2. indicate.

When the inserted medium is determined to be a magnetic card, a message instructing the user to enter the user's password is displayed on the guide display section 2 to prompt the user to enter the password. The user inputs his/her personal identification number using the ten keys on the operation panel section 19.

On the other hand, the magnetic card 5 is inserted with the magnetic stripe side facing down, and passes between the pressing roller 9 and the magnetic head 7 after suction starts. At this time, the magnetic head 7 reads information necessary for the transaction, such as a personal identification number and account number, from the magnetic stripe 5a.
This read information is transferred from the magnetic stripe writing/reading section 20 to the main control section 17, where it is compared and verified with the password inputted above. As a result of this comparison, if there is a scheduled relationship between the two, the main control unit 17 transmits the information indicating that the transaction is a non-passbook transaction, the information necessary for the transaction, and the payment amount information entered later by the user using the keys to the communication control unit. 21 to the center 22. In the center 22, the central processing unit 24 refers to the ledger file of the corresponding user in the ledger file memory 25 based on the information received from the automatic transaction device via the communication control device 23, and determines whether the transaction is possible or not. In this case, transaction information such as payment amount and date is stored in the ledger file as unrecorded amount, and the balance information is updated. At the same time, the central processing unit 24 transmits a signal indicating that the transaction is possible, updated new balance information, etc. to the automatic transaction device via the communication control device 23.

When the automatic transaction device receives the above information, it sends out a command signal from the main control unit 17, activates the payment machine 26, and releases banknotes of the amount entered by the user into the banknote deposit/withdrawal slot 4. The main control unit 17 also controls the passbook/journal printing machine 27 to print transaction information such as the date and payment amount using the recording head 11, and also prints transaction information such as the date and payment amount on the magnetic card 5 that is stopped at the imprint position. Platen roller 12
A command is issued to the imprinter 28 to drive and press the embossed characters 5a next to the transaction information printing area on the journal paper 11. After this, the main control unit 17 causes the passbook/card feeding device 16 to return the magnetic card 5 to a position in front of the magnetic head 7, and then sends it back again, writes the magnetic stripe, and transfers updated information to the reader 20. Then, update information is written on the magnetic stripe 5a. When the update writing of the magnetic stripe 5a is completed, the main control unit 1
7 again issues a reverse feed command to the passbook/card feeding device 16 to return the magnetic card 5 to the passbook/card insertion slot 3.

Thus, the payment transaction using the magnetic card 5 is completed, and the transaction record is printed on the journal paper 10 and is also stored as an unrecorded portion in the ledger file of the account number corresponding to the magnetic card.

Next, when the inserted medium is determined to be the bankbook 6, the main control unit 17 issues a command to the bankbook/card feeding device 16 to first suck the bankbook 6 into the back. When the passbook 6 is inserted into the passbook/card insertion slot 3, the cover is on the bottom side and the open page is on the top side. Therefore, the magnetic stripe 6a passes over the magnetic head 7 while the passbook 6 is being fed to the back in the form shown by the broken line in FIG. At this time, the magnetic head 7 reads information necessary for the transaction, such as an account number, from the magnetic stripe 6a and transfers it to the main control section 17.

On the other hand, if the user desires a deposit transaction, the user inserts the deposited banknotes into the banknote deposit/withdrawal port 4. When the deposit machine 29 detects the insertion of a bill, it sucks the deposited bill and determines its type and authenticity. Information on the denomination and amount of the deposited banknotes is transferred from the deposit machine 29 to the main control unit 17 . The main control unit 17 transmits information indicating that the transaction is a bankbook transaction, transaction information read from the magnetic stripe 6a of the bankbook 6, and information on the deposited amount to the center 22 via the communication control unit 21. In the center 22, the central processing unit 24 refers to the ledger file of the corresponding user in the ledger file memory 25 based on the account number information received via the communication control device 23. If there is unrecorded transaction information in this ledger file, the central processing unit 24 transmits this unrecorded information and new balance information to the automatic transaction device, and at the same time updates the ledger file. During this time, the passbook 6 is transferred to the passbook card feeder 16.
The print line has already been fed so as to reach the recording position of the recording head 11 and stopped. When the main control unit 17 receives information to be recorded in the bankbook 6 from the center 22, it transfers this information to the bankbook/journal printing machine 27, and the recording head 11 first records the unrecorded information in the bankbook 6. The unrecorded amount of tobacco is printed first, and then the current transaction information and new balance are printed. When the entry into the bankbook 6 is completed, the main control unit 17 issues a reverse feed command to the bankbook/card feeding device 16 to close the bankbook/card insertion slot 3 of the bankbook 6.
At the same time, the passbook/journal printing machine 27 prints the information for this transaction on journal paper 10. Note that during this journal paper printing, the ink ribbon 15 is retracted from in front of the recording head 11.

When the user inserts the passbook 6 and wishes to make a deposit payment transaction, the passbook sending mode is determined by the main control unit 17.
is selected in the same way as above. As for the transaction mode, bankbook transaction is selected as described above, but the transaction information sent to the center 22 includes the payment amount specified by the user instead of the deposit amount. The central processing unit 24 of the center 22 refers to the ledger file of the corresponding account, determines whether the payment transaction is possible, and updates the balance information according to the payment amount.
If there is any unrecorded information along with this update information, the unrecorded information is transmitted to the automatic transaction device. The automatic transaction device pays the desired amount of banknotes and prints the unrecorded transaction information and the current transaction information on the passbook 6 in the same manner as described above, and prints only the current transaction information on the journal paper 10.

In addition, if you are trying to eliminate people who illegally obtain a passbook and attempt to conduct fraudulent transactions, record information that has a specific relationship with the PIN number on the magnetic stripe 6a of the passbook. The payment transaction may be allowed only when the password entered by the user is in the specified relationship, or after the bankbook 6 is sucked under the recording head 11, the magnetic card 5 corresponding to the account in the bankbook is further inserted. When the information read from the magnetic card 5 and the password entered by the user are in a scheduled relationship, or the bankbook 6
A payment transaction may be permitted only when the information read from the magnetic stripes of both the user and the magnetic card 5 has a scheduled relationship.

Furthermore, if you want to leave evidence that a payment transaction was made using the passbook, embossed characters are formed on the cover of the passbook 6 in the same way as the magnetic card 5, and this is transferred onto the journal paper 10 by the imprinter 28. You may also do so.

As explained above with reference to the drawings, the automatic transaction device of the present invention inserts both a passbook and a magnetic card through a single insertion slot, has a magnetic head that reads and writes each magnetic stripe, and prints transaction records made using each. The recording head and journal paper are shared, and by determining the inserted medium, the medium feeding mode and transaction mode unique to each bankbook and magnetic card can be selected.

Therefore, according to the present invention, the user does not have to worry about which slot to insert a magnetic card or passbook into, and the device can be made smaller and cheaper. If a problem arises with a past transaction, it can be investigated simply by looking at one journal paper, and since these transaction records are kept in the order in which they occurred, whether by magnetic card or passbook, the time relationship is clear. This has the effect of saving you the trouble of comparing and contrasting each time.

[Brief explanation of drawings]

Fig. 1 is a schematic perspective view showing the appearance of an embodiment of the present invention, Fig. 2 is a block diagram showing the overall configuration of an embodiment of the invention, and Fig. 3 is a passbook and a passbook of an embodiment of the invention. A front view showing the card insertion slot, FIGS. 4 and 5 are a plan view and a side sectional view of a part thereof, and FIG. 6 is an explanatory diagram of the configuration of a passbook/card feeding path according to an embodiment of the present invention. Figure 7 is a diagram showing an example of a magnetic card, Figure 8
The figure shows an example of a passbook. 3... Passbook/card insertion slot, 5... Magnetic card, 6... Passbook, 7... Magnetic head, 10... Journal paper, 11... Recording head, 12... Platen roller, 16... Passbook/card Feeding section, 1
7... Main control unit, 18... Passbook/card discrimination unit,
_S1 ...first sensor, _S2 ...second sensor, _S3 ...third sensor.

Claims (1)

[Claims] 1 In automatic transaction devices that perform transactions such as deposit payments and deposits by the user's own operations using magnetic cards or passbooks with magnetic stripes,
A bankbook with a magnetic card guide provided in the insertion slot, a card/card insertion slot, a sensor for detecting whether an object inserted through the bankbook card/card slot is a passbook or a magnetic card, and the sensor means for determining the type of the insertion medium based on the detection signal of and selecting a transaction mode of a passbook transaction or a non-passbook transaction and a feeding mode of the insertion medium according to the type; a recording head for printing transaction records on the bankbook and journal paper fed by the feeding device; and an imprinter for overlapping the journal paper and the magnetic card and transferring embossed characters on the magnetic card. , a magnetic head for reading and writing the magnetic stripes of both the magnetic card and the passbook, and allowing the magnetic card and the passbook to be inserted through a single insertion slot, as well as journal paper and a recording head for printing transaction records; read the magnetic stripe,
An automatic transaction device characterized in that a magnetic head for writing is used for both transactions with a passbook and transactions without a passbook.