JPH0457030B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Industrial Application) The present invention relates to an automatic passbook issuance system that is installed in financial institutions and allows customers to issue new passbooks through their own operations.

(Conventional technology) Automated transaction devices conventionally used in financial institutions, etc.
Although it has a passbook printing function, it is not capable of issuing a new passbook when the printing field for transaction data expires and passbook carryover occurs. On the other hand, the operations of financial institutions are becoming increasingly automated, and unmanned operations and operations on holidays are also becoming commonplace. However, the automatic transaction devices to date cannot issue a new passbook once a passbook has been carried forward, which is extremely inconvenient in terms of customer service and labor-saving effects for financial institutions.

In view of this situation, in recent years, special public
39353 and Japanese Patent Publication No. 59-38630, automatic transaction devices that automatically issue a passbook when a passbook is carried over are beginning to appear.

(Problem to be solved by the invention) However, although such automatic transaction devices equipped with a new passbook issuing function are functionally very good, when looking at the overall transaction volume, passbook carryover occurs. There are very few transactions. For example, in a passbook with 7 inner sheets,
There are 13 pages, but if 24 lines can be printed on each page, 13 x 24 lines = 312 lines can be printed.

Also, assuming that an average of 5 lines is printed in one transaction, the probability of passbook carryover occurring is once in 62.4 transactions.

Therefore, it is not desirable from a cost performance standpoint to have a new passbook issuing function, that is, a passbook issuing function that is equipped with stacking, separate feeding, cover printing, cover turning mechanisms, etc. of multiple new passbooks, as a single automated transaction device. It had become a thing.

(Means for Solving the Problems) The present invention includes an automatic transaction device that prints and returns transaction data to a passbook inserted by a customer's own operation, and a new passbook that records predetermined information in a pre-built-in new passbook. The automatic transaction device is connected to a passbook issuing device that reissues a passbook through a communication line, and the automatic transaction device includes a passbook carryover detection means for detecting when the printing field of the passbook has expired and passbook carryover has occurred, and passbook carryover information. and a means for sending a reply via the communication line, and a guidance output unit for guiding the customer's passbook carryover procedure when a passbook carryover occurs; means for receiving and reading information specific to the passbook; means for receiving and storing carryover information of the passbook via the communication line; and searching for carryover information corresponding to the information specific to the passbook from among this stored information. The present invention is provided with means for recording predetermined information in a new passbook when the carryover information is found, and means for transporting and discharging the new passbook.

(Operation) In the present invention, when a customer records transaction data in a passbook using an automatic transaction device, the last page of the passbook,
Printing is performed up to the last line, and when there is no more printing space, passbook carryover is detected.

When a passbook carryover is detected, the automatic transaction device generates passbook carryover information including information unique to this passbook, and sends it via the communication line to the upper terminal controller, the center host computer, or directly to the passbook issuing device. The passbook is ejected from the device and returned to the customer, and at the same time, the customer is informed of the procedure for issuing a new passbook by means of a display, etc., and the operation as an automatic transaction device is completed.

On the other hand, the passbook issuing device receives the passbook carryover information from the higher-level terminal controller, host computer of the center, or direct automatic transaction device via the communication line, and stores it.

If the customer sees the guidance displayed on the automatic transaction device and wishes to issue a new passbook, the customer inserts the returned passbook into the passbook issuing device.

Then, the passbook issuing device reads the unique information of the inserted passbook from the magnetic stripe, etc., and searches for carryover information corresponding to this information. When the corresponding carryover information is found, a new passbook is issued,
The unique information is recorded therein, and if unrecorded transaction data remains, this unrecorded data is received from the host device and printed. When these record printing operations are completed, the new passbook is ejected to the receiving slot.

(Embodiment) Fig. 1 shows a system connection diagram of an embodiment of the present invention, in which 1a, 1b, and 1c are automatic transaction devices that perform bookkeeping processing such as printing transaction data on a passbook by the customer's own operation. , 2 is a passbook issuing machine for issuing a new passbook, 3 is connected to a host system (not shown) by a line, and one of the channels is connected to the above-mentioned three automatic transaction devices 1a through a communication line 4. This is a terminal controller that connects 1b, 1c and one passbook issuing machine 2.

In the above configuration, automatic transaction devices 1a, 1b, 1
When the customer inserts a bankbook and specifies recording of transaction data by pressing a button, etc., the bankbook is imported and the account number, store number, and in some cases are stored from the magnetic stripe affixed to the bankbook. Information specific to the passbook, such as the type of passbook, is read and transmitted to the terminal controller 3. Also, when the terminal controller 3 communicates with the host system and sends a message containing unrecorded data in the customer information file corresponding to the passbook, the printer prints the unrecorded data and prints it on that page. When the column runs out, the automatic page break mechanism turns over the next page and continues printing unrecorded data. Once printing is complete, the passbook is reversed, ejected into the insertion slot, and returned to the customer. In addition, when the page data and printed lines recorded on the page identification mark or magnetic stripe of the opening page of the passbook are deciphered and it is detected that printing has been completed up to the last line of the last page and there is no longer any column to print. also returns the passbook to the customer.

The above configuration is similar to known automatic transaction devices, but when the expiration of the above print field is detected, the communication line 4
Send passbook carryover information via. This carryover information includes data obtained by reading the passbook magnetic stripe, such as store number and account number, and information indicating the occurrence of passbook carryover.

As shown in FIG. 3, the automatic passbook issuing machine 2 includes an interface section 5 that connects to a communication line 4, a main control 6 that controls the entire passbook issuing machine,
A file device 7 that stores programs and various data, a buffer memory 8 that stores the transmitted carryover information, and a passbook issuing mechanism section 9 that controls operations such as passbook transport, magnetic stripe read/write, printing, and page turning. It is composed of an I/O controller 10 and the like.

The detailed configuration of the passbook issuing mechanism section 9 is shown in FIG.

In Figure 4, 11 indicates that the customer inserts his passbook,
There is also a passbook insertion slot for releasing a registered passbook or a new passbook to the customer, 12 is a passbook inserter unit with a passbook feed mechanism for pulling in and ejecting the inserted passbook, and 13 is the back of the inserted passbook. A magnetic stripe section has a magnetic stripe reader/writer for reading magnetic stripe information affixed to the cover and writing magnetic stripe information when issuing a new passbook; 14 is for reading page marks preprinted on the passbook; , an optical reading unit for detecting printed lines of the passbook, 15 a platen for printing on the passbook, 16 a print head for printing the same, 17 a printer unit housing these printing mechanisms, 18 is a turn page unit 19 which has a mechanism for changing pages of a passbook and turning over the cover of a new passbook; 2 is a turn page roller thereof;
0 is a passbook import box for importing passbooks that are no longer needed or forgotten by the customer, 21 and 22 are passbook stackers that store new passbooks that should be issued in advance, and 23 is the route of the passbook. switching valve,
PHD1 to PHD9 are sensors that detect the movement of the passbook.

Next, the issuance of a new passbook by the automatic passbook issuing machine 4 having the above configuration will be explained according to the flowchart shown in FIG.

When a passbook carryover occurs in any of the automatic transaction devices 1a, 1b, and 1c, that automatic transaction device generates the above-mentioned passbook carryover information and transmits it to the terminal controller 3 via the communication line 4 to notify the terminal controller 3 of the passbook carryover. When the terminal controller 3 receives the passbook carryover information, it transmits this passbook carryover information to the automatic passbook issuing machine 2.

Thereafter, the automated teller machine discharges the passbook in which the carryover has occurred, and provides guidance display or voice guidance to the customer to inform the customer of receipt of the passbook and issuance of a new passbook by the automatic passbook issuing machine. The transaction at the automatic transaction device is completed when the customer receives the passbook.

There are cases where the customer who receives the passbook takes the passbook home, but in this case, the carryover information transmitted to the automatic passbook issuing machine 2 is retained in the buffer memory 8 of the automatic passbook issuing machine 2 for a certain period of time. , after which it will be deleted. The fixed period refers to, for example, while the automatic passbook issuing machine 2 is powered on, or when the buffer memory 8 is full of similar information.

In a normal case, a customer who receives a passbook uses the automatic passbook issuing machine 2 to issue a new passbook. The customer inserts the passbook in which the carryover occurred into the passbook insertion slot 11 of the automatic passbook issuing machine 2 using the automatic transaction device, thereby starting a transaction operation for issuing a new passbook. The inserted bankbook uses the magnetic stripe unit 13 to read information unique to the bankbook such as the account number recorded on the magnetic stripe pasted on the bankbook. The information such as this account number is checked to see if it matches the account number of the carryover information sent from the automatic transaction device, and if it is determined that the relevant data is in the buffer memory 8, the passbook carryover operation starts. enter. If there is no corresponding data in the buffer memory 8, an operation is started in which only simple bankbook entry is performed. In this embodiment, the automatic passbook issuing machine 2 is a device that not only issues new passbooks but also performs bookkeeping transactions, but it may of course be configured to handle only the issuance of new passbooks.

When the passbook carryover process begins, the automatic transaction device prints "PAID" to indicate that the passbook that has been carried over, that is, the old passbook, can no longer be used again, and then erases the magnetic stripe data on the passbook and ejects the old passbook. do. When the customer receives the ejected old passbook, a new closed passbook set in the passbook stacker 21 or 22 is fed out onto the passbook travel path, and the print head 16 first prints the account number, name, etc. on the cover. Let's do it. Next, the bankbook is returned to the turn page unit 18, and after the cover page is turned, the passbook is moved to the printer unit 17, and predetermined printing is performed on the back side of the cover page. If there is unrecorded transaction data, the transaction data is moved to the turn page unit 18 again to perform a page change operation on the inner paper, and then returned to the printer unit 17 again to print the unrecorded data. When there is no more unrecorded data, the magnetic stripe data read in the old passbook is read out from the buffer memory 8 and the necessary corrections are made, and then the magnetic stripe section 13 writes the specified data to the magnetic stripe of the new passbook. The passbook is ejected to the passbook insertion slot 11, and the operation of issuing a new passbook is completed.

In this embodiment, the passbook issuing machine 2 is installed adjacent to the automatic transaction devices 1a, 1b, 1c, and the customer issues a new passbook himself/herself, but it is also possible to install the passbook issuing machine 2 at a counter, for example. Alternatively, the customer may entrust the old passbook to the clerk, and the clerk may insert the old passbook into the passbook issuing machine 2 and issue a new passbook.

Furthermore, transmission of passbook carryover information from the automatic transaction device may be performed via the terminal controller 3 or host computer, but as shown in FIG.
b and 1c may be directly connected, and passbook carryover information may be directly transmitted between the automatic transaction device and the passbook issuing machine.

(Effect of the invention) As explained above, in the present invention, when a passbook carryover occurs in an automatic transaction device, the automatic transaction device detects this and notifies the issuance of a new passbook. The passbook issuing device receives and stores information about passbooks that have been carried forward, and when the old passbook is inserted, it issues a new passbook with necessary information recorded on the cover and magnetic stripe based on this information. In addition to helping to save labor, customer service is improved because new passbooks can be issued in a short time.Furthermore, one passbook issuing machine processes passbook carryovers that occur with multiple automatic transaction devices, making passbook issuing with good cost performance. system, and it also has the effect of making it possible to issue a new passbook when carrying over a passbook without requiring modification of the existing automatic transaction device.

[Brief explanation of the drawing]

Fig. 1 is a diagram showing an example of system connection of the present invention, Fig. 2 is a diagram showing another example of system connection, and Fig. 3 is a diagram showing an example of system connection of the present invention.
FIG. 4 is a control block diagram of the automatic passbook issuing machine according to the present invention, FIG. 4 is a block diagram of the passbook issuing mechanism section, and FIG. 5 is a flowchart showing the flow of the operation of the present invention. 1a, 1b, 1c are automatic transaction devices, 2 is a passbook issuing machine, 3 is a terminal controller, 4 is a communication line, 5 is an interface section, 6 is a main controller, 7 is a file device, 8 is a buffer memory, 9 is a passbook issuing machine The mechanical unit 10 is an I/O controller.

Claims (1)

[Scope of Claims] 1. A communication line connects an automatic transaction device that prints transaction data on a passbook by the customer's own operation and a passbook issuing device that records predetermined information in a new passbook built in in advance and reissues the passbook. When a passbook carryover occurs, the automatic transaction device transmits passbook carryover information through the communication line, and the passbook issuing device receives and stores the passbook carryover information through the communication line, and when a carryover occurs, the automatic transaction device transmits passbook carryover information through the communication line. An automatic passbook issuance system characterized by accepting a generated passbook, reading information unique to the passbook, and based on this read information, reading out the relevant information from the stored passbook carryover information and recording it in a new passbook. .