JPH01183775A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To improve an availability factor as well as service performance to users with an automatic transaction device by using a means which checks the propriety of information read out of a recording medium and a countermeasure means which works when the reading of information is impossible. CONSTITUTION:Payment information written in an inserted payment slip is read by an optical reading means of a transaction medium processor 20. In this case, a main control part 81 checks the propriety of the read information by a check digit written in the payment slip or by the matching check. If the checking result is affirmative, the payment transaction is carried out by a note input/output part 82, a coin input/output part 83, etc., based on the read information. In case the read information cannot be partly read, the necessary information is retrieved out of an office number table file 88 to decide the information that could not be read. Then the payment transaction is succeeded. In such a way, the reliability of the payment transaction is satisfactorily secured and the payment transaction can be continued. As a result, the availability factor and the service performance can be improved for users with an automatic transaction device.

Description

[Detailed Description of the Invention] [Object of the Invention] (Field of Application of Industry-I) The present invention relates to an automatic transaction device that is installed in a financial institution such as a bank and automatically performs payment transactions such as utility charges. .

(Prior art) In recent years, by accepting a magnetic card or magnetic passbook containing account information submitted by the user and communicating online with a host computer that serves as a deposit ledger, cash requested by the user can be automatically disbursed. Automatic teller machines that pay cash, automatic teller machines that automatically accept cash using a magnetic passbook that stores account information, and automatic teller machines that combine both functions into one machine. Automated transaction devices such as these are rapidly developing as automation equipment for bank counters, and are being introduced at each bank to provide speedy services to users.

In addition, with the recent proliferation of economic activities, there has been an increase in transfer transactions such as loan repayments and tuition fee transfers using banks and other financial institutions. Transfer transactions have been developed and put into practical use, such as accepting cash and transferring the accepted cash to another bank account, or transferring a predetermined amount from one's own account to another bank account using a card transaction. .

However, with this type of automated teller machine, payments such as taxes or utility charges must be made by bringing a payment slip issued by the billing party in advance, and receiving a receipt stamp on one piece of the payment slip as proof of payment (financial institution). From a side perspective, it had the disadvantage that it could not be used for storage operations.

Recently, as a solution to these drawbacks, an automatic transaction device that can automatically perform payment transactions such as utility charges has been proposed (Japanese Patent Application No. 61-13066).
(See No. 4). This automatic transaction device accepts a payment slip in which information related to the payment is recorded, optically reads the information related to the payment from the received payment slip, executes the payment transaction based on the read information, and executes the payment transaction. When finished,
A receipt stamp is stamped on the received payment slip, and a piece of the receipt side is cut off and discharged.

However, this automated teller machine simply reads the information on the payment slip and performs the payment transaction based on this read information, and checks the validity of the read information and measures to take if the information cannot be read. has not been done. For this reason, the reliability of payment transactions is poor, and even if the information on the payment slip is valid, if even a part of the information cannot be read due to bad reading conditions, the payment transaction will not be possible and the operation will not be possible. There was a problem that this led to a decrease in the service rate and that the quality of service to users was poor.

(Problems to be Solved by the Invention) As described above, the present invention does not check the validity of the information read and does not take measures when the information cannot be read, so the reliability of payment transactions is poor, and This was done to solve the problem of lowering the utilization rate and poor service to users, and it is possible to sufficiently ensure the reliability of payment transactions and improve the utilization rate] - and the service to users. The purpose is to provide an automatic transaction device that can improve performance.

[Structure of the Invention] (Means for Solving the Three Problems) The automatic transaction device of the present invention includes a receiving means for receiving a recording medium on which information related to payment of public utility charges, etc. a reading means for optically reading and recognizing the information from the recording medium; a checking means for checking the validity of the recognition result of the reading means; and a checking means for checking the validity of the recognition result of the reading means; and a storage means for storing information related to the payment, and when a part of the information on the recording medium cannot be read by the reading means, a part of the information on the recording medium cannot be read by the reading means. and means for determining the unreadable information by indexing necessary information from the storage means based on the information, and controlling the transaction means to continue the payment transaction.

(Operation) The validity of the information read from the recording medium is checked, and if the check result is positive, the payment transaction is executed based on the read information, and part of the information on the recording medium cannot be read. In this case, the information that could not be read is determined by indexing necessary information from the storage means based on other read information, and control is performed to continue the payment transaction. This not only ensures sufficient reliability of payment transactions, but also allows payment transactions to continue even if some information cannot be read due to bad reading conditions, which improves utilization rates, 2. Propensity to provide services to people.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 2 shows an automatic transaction device according to the present invention.

That is, a customer service operation section 2 is formed on the front surface of the housing 1. The vertical device 3 of the customer service operation section 2 has a transaction media insertion slot 4 into which a magnetic card, magnetic passbook, payment slip, etc., in which account information such as a PIN number and account number is stored is inserted, and is currently being handled by the user. a transaction display 5 for displaying transactions such as deposits, payments, payments, etc., a transaction display 6 for displaying and guiding each transaction such as deposits, payments, payments, etc., a call button 7 for the user to call the staff, A coin input port 8 for depositing coins and a change discharge port 9 for discharging change coins to the user are provided. A deposit slot 11 is provided on the water surface 10 of the customer service operation section 2, into which a large number of banknotes can be inserted and for which change can be received. is provided.

A slope 1 is provided between the vertical part 3 of the customer service operation section 2 and the horizontal surface 10.
3 is formed, and on this slope 13 is provided a CR7 display device 14 in which a transparent touch panel (touch sensor) is provided on top of a display screen. The display device 14 displays operating procedures and other information on the screen in the form of illustrations, characters, or words to guide the user, and also displays information such as a password, amount, account number, approval, confirmation, or cancellation of a transaction. By suppressing the corresponding display area, the touch panel detects this and outputs a corresponding signal to the main control section, which will be described later, in what is called a key operation. In other words, as shown in Figure 3, for example, the message ``Please specify the transaction'' is displayed, along with a key that instructs ``1 payment slip, number of payment slips, reissue slip''. It has become. The contents and display change each time the machine operation or step status changes.

FIG. 7 shows, for example, a payment slip P for telephone charges as a recording medium according to the present invention. The payment slip P includes the period covered by the fee, payment deadline, user's name, user's phone number,
The billed amount, issuer code number, makeshift phone number, etc. are printed on it. In addition, the payment slip P can be divided into three parts, for example, and consists of a receipt P + to the user (payer), a notice P2 to the issuer, and a receipt P3 at the receiving financial institution. ing. In addition, payment is required! ! P can be formed in various ways depending on the issuer, but it has the same structure as above.Also, the payment slip P is inserted in the direction of the arrow shown in the figure, The width is approximately the same as the width of a passbook.

4 and 5 show a transaction medium processing device 20, which accepts magnetic cards, passbooks, and payment slips P inserted into the transaction medium insertion slot 4 in FIG. It has a built-in receipt R for printing and issuing transaction records, and journal paper J for printing a series of transaction records and copying the embossments on magnetic cards. .

This transaction medium processing device 20 is provided in the housing 1 at a location corresponding to the transaction medium insertion slot 4 .

That is, the transaction medium insertion port 4 is communicated with the front surface of the main body 21, and the transaction medium insertion port 4 is provided with a selection shutter 22. The selection shutter 22 is installed at a position where the user can visually see its open/closed state, and when inserting a passbook or payment slip P, the selection shutter 22 is opened to widen the opening of the transaction medium insertion slot 4. , when inserting a magnetic card, the transaction medium insertion slot 4 is closed.
The opening is designed to be narrower. As a result, the user can clearly know the insertion position of a narrow magnetic card in comparison to the insertion slot of a wide passbook or payment slip P. It is possible to insert it according to the Note that the selection shutter 22 is opened and closed by a solenoid 23.

Near the transaction medium insertion slot 4, that is, inside the selection shutter 22, there are detectors 24 and 25 that optically detect insertion or removal of a magnetic card, passbook, payment slip, or P. A detector 26 is provided to magnetically detect the presence or absence of a magnetic stripe on the card. The detectors 24 and 25 are well-known devices consisting of a light emitting element and a light receiving element, and the detector 26 is constituted by a magnetic head or the like.

The conveyance path 2 extends from the detectors 24 and 25 toward the rear of the main body 21.
7 is provided in a substantially horizontal state. The conveyance path 27 includes drive rollers 28 . ..., these drive rollers 28.
Pinch rollers 29. ... and a guide bottom plate 30, etc., and is driven by a pulse motor via a belt (not shown). The conveyance path 27 is for passbook and payment! l! Steel plates 31 and 32 are provided at positions corresponding to the width of P, and movable side plates 33 are provided at positions from side plate 31 that correspond to the width of the magnetic card.

As a result, the side plates 31 and 32 allow the passbook and payment MP
The transport position of the magnetic card is regulated by the card transport path 34 formed by the side plate 31 and the movable side plate 33.

Note that 35 is a solenoid that drives the movable side plate 33;
6 is a support arm to which the movable side plate 33 is fixed. As a result, when the solenoid 35 is energized, the mounting arm (not shown) moves downward, and the movable side plate 33 becomes retracted below the bottom plate 30 (when transporting the passbook or payment slip P). When the solenoid 35 is deenergized, the mounting arm (not shown) moves upward, and the movable side plate 33 becomes in a state of protruding above the bottom plate 30 (when transporting the magnetic card).

Therefore, when transporting the passbook or payment slip P, the transport path 2
7 has the same width as the width of the passbook or payment slip P so that the passbook or payment slip P can be transported, and when transporting the magnetic card, the transport path 27 has the same width as the width of the magnetic card. magnetic cards can be transported.

At the starting end of the conveyance path 27, a main shutter 37 is provided which opens and closes according to the detection results of the detectors 24 and 25, and this main shutter 37 is driven to open and close by a solenoid 38.

That is, when the insertion of a magnetic card, passbook, or payment slip P is detected, the solenoid 38 is energized to open the main shutter 37.

Behind the main shutter 37, a magnetic head 39 for a passbook,
Magnetic heads 40 for magnetic cards are sequentially provided.

The magnetic head 39 is configured to read or record information on the magnetic stripe of the accepted bankbook. The magnetic head 40 is configured to read or record information on the magnetic stripe of an accepted magnetic card. At the facing part of each magnetic head 39, 40,
Pressing rollers 41,41 are provided for bringing the respective magnetic stripes into contact with a predetermined pressure.

An optical reader 42 is installed in the middle of the conveyance path 27 to read the date column of the passbook to detect the presence or absence of printing, detect the absence of a page mark, and further read the payment information on the payment slip P. ing. The optical reader 42 is, for example, a CC
It is composed of a D-type image sensor 43, a lens 44 that reduces information on an object to be read and forms an image on the light-receiving surface of the image sensor 43, and a character recognition section 45 that recognizes information based on the output signal of the image sensor 43. The image sensor 43 is, for example, a self-scanning surface array formed by arranging a large number of solid-state image sensors on a plane. The optical reading device 42 also stores in advance the characteristics of several types of payment slip formats (for example, the position and content of information to be read for each type of payment slip, the position where a receipt stamp should be printed, etc.). When the type of payment is specified, the corresponding payment slip format is selected, and the payment information on the payment slip P is read using its characteristics. Here, FIG. 9 shows an example of the format and reading position of the payment slip P, and the part surrounded by the broken line in the figure shows the reading position.

A turn page mechanism 46 that automatically turns over the pages of the passbook is provided in front of the optical reader 42 on the conveyance path 27. The turn page mechanism 46 includes a passbook back-up plate 47 that pushes up the passbook, and performs auto-turn page by rotating in the direction of arrow a in FIG. 5, and performs auto-turn page in the opposite direction by rotating in the direction of arrow It is composed of a turning roller 48.

A receipt issuing mechanism 49 for issuing a receipt R is provided below the turn page mechanism 46. For example, a certain pressure is applied to the receipt R by a suppressing mechanism 50.
The sheets are taken out one by one by a take-out roller 51 and guided to a conveyance path 27.

A printing mechanism 52 is provided in front of the turn page mechanism 46 on the conveyance path 27 . The printing mechanism 52 prints predetermined information on the bankbook, journal paper J sheet R1 payment slip P, and has a wire dot type print head 53.
, a carriage 54 that moves this print head 53 in a direction perpendicular to the conveyance direction of the conveyance path 27;
It is composed of a slide rod 55 that guides the camera, a stand 56 that serves as a platen, and the like.

An embossing table 57 is provided in front of the printing mechanism 52 on the conveyance path 27 . When a magnetic card is placed on the embossing table 57, the embossing table 57 rotates 90 degrees around the rotating shaft 58 to form the lower side (embossed part 59) of the journal paper J.
The embossing roller 60 provided on the upper side of the journal paper J moves along the roller movement path 61, so that the emboss of the magnetic card is transferred onto the journal paper J. When the embossing stand 57 is in a card standby state, a card position detector 62 detects that a magnetic card is placed and stops conveyance of the magnetic card. The card position detector 62 is a well-known device consisting of a light emitting element and a light receiving element. A journal paper J corresponds above the stand 56 and the embossing unit 59 (the embossing stand 57 during embossing). The journal paper J is held on a delivery shaft 63 and passed through a table 56 and an embossing section 59 to a take-up shaft 6.
It is designed to be wound up to 4 times.

A cutter device 65 is provided in front of the embossing stand 57 on the conveyance path 27 to cut the conveyed payment slip P into predetermined dimensions. The cutter device 65 is a so-called rotary cutter that cuts the payment slip P between it and the other fixed blade 68 by rotating a roller 67 having a gap 66 through which the payment slip P passes, for example. .

A collection warehouse 70 is provided at the end of the conveyance path 27 to collect the conveyed bankbook, payment slip P, and magnetic card via a first gate 69. The first gate 69 is driven by a solenoid 71, and when the daily income such as a bankbook or payment slip P is collected, the first gate 69 is rotated upward (the position shown by the solid line in FIG. 5) by the excitation of the solenoid 71. There is.

When the first gate 69 is moving downward (when the solenoid 71 is not energized), the conveyance path 27 can be conveyed further to the back, and a second gate 72 is provided further behind the first gate 69. ing. The second gate 72 is driven by a solenoid 73, and the payment slip P being conveyed
are sorted and accumulated in the first accumulation section 74 or the second accumulation section 75.

On the other hand, inside the housing 1, as shown in FIG. A banknote dispensing section 82 dispenses banknotes of a specified amount to the deposit slot 11; a coin dispensing section accepts coins inserted into the coin slot 8 and dispenses coins of a specified amount to the change dispensing slot 9; 83, an attendant operation unit 84 for the attendant, a total memory 85 that stores cumulative information for each type regarding all transactions, and an image information file 86 that sequentially stores image information of the payment slip P read by the optical reader 42. , a transaction details file 87 for recording transaction details, an area number table file 88, a journal printer 89, a transmission control section 91 for controlling data transmission between the main control section 81 and a host communication center (not shown), etc. ing. Further, the main control section 81 is connected to the customer service operation section 2, the transaction medium processing device 20, and a remote monitor section 90 for use by an external staff member.

The area number table file 88 is for indexing the makeshift phone number and fee payment deadline information (information related to payment) related to telephone charges based on the user's telephone number read by the optical reader 42. , the above-mentioned temporary telephone number and fee payment deadline are filed as a data table. In addition, this station number table file 88
It is not necessary to have information for all districts, but by having information for a limited number of districts, it can be used as a supplementary function to the information in that district.

Next, the bankbook processing operation will be explained with reference to FIGS. 4 and 5. When accepting a passbook, the main control section 81 excites the solenoid 23 to open the selection shutter 22. At this time, the main control section 81 is energizing the solenoid 35, and the movable side plate 33 is retracted below the bottom plate 30 due to this excitation force. As a result, the conveyance path 27 is connected to the side plate 31.
, 32 is formed. When the user inserts the passbook into the transaction medium insertion slot 4 with a predetermined page open, the insertion is detected by darkening the detectors 24 and 25, and the main control unit 81 activates the solenoid 38. is excited to open the main shutter 37. Then, the inserted passbook is moved to the drive roller 28. ...and pinch roller 29. ... and taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe is read by the magnetic head 39 while the loaded passbook is being conveyed. Next, the optical reader 42 detects the presence or absence of printing in the date column of the passbook and the page mark. By detecting the presence or absence of printing, the line to be printed is determined, the passbook is conveyed to the printing position of the printing mechanism 52, and predetermined information is printed by the print head 53.

Next, the processing operation of the payment slip P will be explained with reference to FIGS. 4 and 5. When accepting the payment slip P, the main control unit 8
1 excites the solenoid 35 and opens the selection shutter 22. At this time, the main control section 81 is energizing the solenoid 35, and the movable side plate 33 is retracted below the bottom plate 30 due to this excitation force. As a result, the conveyance path 27
has a width defined by the side plates 31 and 32. When the payment slip P is inserted into the transaction medium insertion slot 4 by the user, the insertion is detected by darkening the detectors 24 and 25, and the main control section 81 excites the solenoid 38 to close the main shutter. Open 37.

Then, the inserted payment slip P is transferred to the drive roller 28,
...and pinch roller 29. ... and taken into the transaction medium processing device 20. As a result, the captured payment slip P is conveyed to the optical reader 4.
2, the payment information is read. And the main control section 8
1 causes the display device 14 to display the result of recognizing only the information necessary for payment by the optical reader 42.

The payment slip P read by the optical reader 42 is transferred to the drive roller 28 . ... and pinch roller 29, ...
The materials are further transported and sorted and accumulated in a first accumulation section 74 and a second accumulation section 75. That is, the payment slip P that has already been received and has been printed is further conveyed, and cut by the cutter device 65 into three pieces: a receipt @P1, a notice P2, and a copy P3. The divided receipt P1 and copy P3 are the first
It is stored in a collection warehouse 70 through a gate 69. Notice P
2 is sorted by its publisher, and the second gate 72 classifies the 16th. The items are sorted and stored in the second accumulation portions 74 and 75. For example, the first accumulation section 74 stores payment slips for telephone charges, and the second accumulation section 75 stores other payment slips.

By categorizing and storing payment slips in this way, it is not necessary to classify them by issue or bereavement when organizing payment slips. Also, receive the payment slip P.
Since the items are divided into three parts for storage, there is no need to divide them when organizing them, which saves time and effort.

Furthermore, since the notifications P2 to be returned to the issuer are classified and accumulated, they can be returned to the issuer as is, and the organization work can be simplified.

Next, the processing operation of the magnetic card will be explained with reference to FIGS. 4 and 5. When accepting a magnetic card, the selection shutter 22 is in a closed state.

At this time, since the main control section 81 is not exciting the solenoid 35, the movable side plate 33 is in a state of protruding from the bottom plate 30. As a result, the transport path 27 forms a card transport path 34 having a width defined by the movable side plate 33 and the side plate 31. When a magnetic card is inserted into the transaction medium insertion slot 4 by the user, the insertion darkens only the detector 25 and is detected by detecting the magnetic stripe with the detector 26, and the main control unit 81 excites the solenoid 38 to open the main shutter 37. Then, the inserted magnetic card is moved by the drive rollers 28, . . . and the pinch rollers 29, . ... and taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe of the taken-in magnetic card is read by the magnetic disk 40 while being conveyed.

The magnetic card from which the account information has been read is conveyed to the embossing stand 57, where it is temporarily stopped. That is, the magnetic card is transported until the leading edge of the magnetic card reaches the card position detector 62, and when the leading edge of the magnetic card is detected by the card position detector 62, it is stopped. After this stop 1-, the main controller 81 rotates the rotary shaft 58 to rotate the embossing table 57 by 90 degrees around the rotary shaft 58, so that the magnetic card on the embossing table 57 is placed under the journal paper J. Control it so that it enters the side. The journal paper J is impregnated with pressure-sensitive coloring ink, which is applied to the journal paper J by moving the journal paper J above the magnetic card along the roller movement path 61 with an embossing roller 60 and applying pressure. You can copy the embossment on a magnetic card.

As described above, the magnetic card is accepted, the account information is read from the magnetic stripe, and the emboss is copied.

When returning a magnetic card, contrary to the previous operation, the embossing table 57 is moved in the opposite direction (with the magnetic card placed thereon).
(clockwise) by 90 degrees, and the magnetic card comes out onto the card transport path 34.

Thereafter, the magnetic card is conveyed in the direction of the transaction medium insertion slot 4 and returned, or conversely conveyed in the receiving direction and collected in the collection warehouse 70.

FIG. 9 shows a payment slip P for telephone charges and the reading position in that case. At the reading position A in the center of the payment slip P, information for reading and mechanical processing by the optical reader 42 is printed. Therefore, general users do not need to decipher it, just because the numbers are lined up. The payment deadline is printed at reading positions B and F. Payment deadlines vary, for example, depending on the area code of the user's telephone number, so that payment deadlines are not concentrated at the same time. The payment deadline is only the month and day, not the year.

At reading positions C and H, the telephone number of the appointment destination is printed. The make-up telephone number is the make-up telephone number of the telephone office that manages the telephone used by the user, and is used in cases such as when the user has doubts about the billed charges.

Further, for example, when a telephone bill is paid after the payment deadline, calls may be suspended due to non-payment of the telephone bill. At this time, the financial institution to which the fee has been paid notifies the temporary phone number that the fee has been paid, thereby canceling the call suspension.

The user's name is printed in katakana at the reading position. The optical reading device 42 reads and manually reads the image information at this reading position, but does not perform any recognition processing. That is, the name information at this reading position is used to record the input image information as it is in order to prove which payment slip was used rather than who made the payment.

Here, processing after reading with the optical reading device 42 for these reading positions 11A-F will be explained. Reading position A is information for performing machine processing, and the user's telephone number, billing date, and billing amount are recorded here. In other words, the 6th to 14th digits (30222
2000) is the user's phone number (03-222-20)
00). 15th to 18th digits of the first row (8802)
indicates the request date (February 1963) and is recorded in the Western calendar. The 19th digit (3), which is the last digit of the 1st line, indicates a check digit for logically checking the validity of the reading result of this line. As a result, even if a misreading occurs, it is possible to detect the misreading.

1st to 9th digits and 10th to 18th digits (000
004000) both indicate the billed amount (4000). As for the billed amount, two pieces of the same information are recorded in this way to ensure that there is no misreading. The 19th digit (2) on the second line indicates a check digit for logically checking the validity of the reading result of this line.

This makes it possible to double check the billed amount and improve reliability.

At reading positions B and F and reading positions C and E, a payment deadline and a make-up telephone number are recorded, respectively. but,
Since these are not for machine processing, there is no check digit or the like, and it is not possible to logically check the validity of the read results. Therefore, 2t! where the same content is recorded! By reading information from one location and performing a matching check, the validity of the read result is checked. This matching check can also be performed by reading the same reading position twice and comparing and collating the two reading results, but in this embodiment, by reading the same information recorded in two different places, I am doing it. This makes it possible to reliably check the reading results even if the reading position is dirty with dust or the like and the reading is erroneous no matter how many times the reading is performed.

By using the two types of checking methods as described above, highly reliable reading results can be obtained. Further, this checking method can be arbitrarily specified depending on the type of payment slip to be accepted.

FIG. 8 shows a reissued payment slip P' that is reissued when the payment slip P is lost, and information on the reading positions iI\A, C, and H as described above is not recorded.

Next, a description will be given of the printing of the received payment slip P on the received payment slip P. The payment information on the payment slip P brought by the user is read by the optical reader 42. and,
When the processing of the payment transaction is completed based on the reading result, the printing mechanism 52 prints a receipt on the payment slip P. An example of this receipt printout is shown in FIG.

As mentioned above, the payment gP consists of a receipt P to the user, a notice P2 to the issuer, and a receipt P3 from the financial institution. First, the content printed on the receipt P1 to the user will be explained. Receipt Pl shows receipt date r63-0
Information indicating that 2-05J and another receipt have been issued is printed: ``Issued''. In this embodiment, a separate slip (receipt) is printed and issued as a receipt to the user, so the receipt P1 of payment yAp
After printing these, they are collected in the collection warehouse 70. The reason why a separate ticket is issued as a receipt is that the receipt Pl is printed by the normal printing mechanism 52. For this reason, a malicious user could print out 8 pages of receipts using a printing device that he or she owns.
It is possible to print "Received" at t, similar to the "Received" printed by this device. Receipt Pl printed like this
It is possible to separate the payment slip from the payment slip P and make a false application to the financial institution that the payment has been made. Therefore, by incorporating QT slips (receipts) that cannot be obtained by general users into this device and issuing them as receipts, receipts can be issued with just a general printing device and used for crimes. It is possible to prevent this from happening. Also, receipt P
1 is printed with "issued" to indicate that another receipt has been issued. The issuance of a single receipt will be detailed later.

Next, the contents printed on the notice P2 to the issuer will be explained. Notification *p2 includes the name and store name of the financial institution that accepted the payment (in this case, "XX Bank OO Branch"), the date of receipt r63-02-05J, the information "Receipt" indicating that the payment has been received, and The receipt amount [¥4000J] will be printed. This notification P2 is returned to the issuer at a later date, and the ledger is updated at the issuer. At the issuer, the returned notifications P2 are sorted centrally and the part for mechanical processing printed in the center of the notifications P2 (reading position A) is read by another optical reader. The ledger is automatically updated. Additionally, this notification @
P2 is stored at the issuer. In the event that a trouble regarding payment occurs with the user later on, it will be handled in accordance with the stored notice P2.

At this time, it is now possible to immediately know when and which receiving institution accepted the item.

Next, the contents printed on copy 'P3 at the financial institution will be explained. On copy P3, the receipt date “63-02-05J
, information "receipt" indicating that the transaction has been received, and transaction serial number r053J are printed.

The transaction serial number indicates the number of transactions performed by the automatic transaction device on that day. This makes it possible to search for the corresponding transaction from the transaction records of the day recorded in a journal or the like. In other words, if a trouble occurs later between the user and the payee (the issuer of the payment slip, in this case, all telecommunications and telephone billing stations), it will be possible to deal with the transaction record and the copy P. It becomes possible to clearly clarify the details of the transaction.

As mentioned above, the receipt P1 for payment T3P is not issued to the user. Instead, a receipt R stored in the device is issued. Receipt R is issued when a bankbook is not brought for transactions on other accounts, and is also used as a receipt for payment transactions using payment slip P. An example of printing on the receipt R in this case is shown in FIG.

On the receipt R, the handling date r63-02-05, the dealer code r0456-0123J, and the transaction number (transaction serial number) r053J are printed. This makes it possible to determine when, which store, which machine was used, and which transaction occurred. "Telephone" is printed in the transaction column indicating the transaction type, indicating that the transaction is a payment for telephone charges. The amount to be paid is the transaction amount [¥4000J, and the amount the user has deposited in cash is the transaction cash ¥100OOJ and change.
¥6000J is printed. If this change "¥6000J" is to be paid further, the change will not be refunded and the payment process will be automatically continued from this change.Furthermore, the billing date r63-0
2J and payment deadline r02-12J are printed according to the reading results of the optical reader 42.

In the recipient column, since the payment is for a telephone bill, the noun "Nippon Telegraph and Telephone Corporation", which is stored in advance in the main control unit 81 of this device, is printed. Further, the telephone number is printed according to the reading result of the optical reader 42. In this way, not only the reading result of the optical reader 42 as the recipient but also the proper name of the recipient stored in the device according to the transaction type is automatically printed as the recipient name. The recipient can be identified immediately by looking at Receipt R (Receipt 9i).

In the client column, the client's name "Taro Yamada" and the client's telephone number r03-222-20004 are printed. The client's telephone number is printed according to the reading result of the optical reader 42. Furthermore, the client's name is printed using the image information itself obtained by the optical reader 42. That is, rather than the result read and recognized by the optical reader 42, the read image itself is transferred as the client's name. As a result, the optical reading device 42 does not need to recognize katakana characters or the like in which the client's name is printed, and an inexpensive and small optical reading device can be put to practical use. In addition, if a problem arises at a later date due to the transfer of the image itself, the client information transcribed on the receipt R and the client name column printed on the copy P of the payment slip P can be checked. By comparing and confirming, it becomes possible to prove that the payment transaction was indeed carried out using the payment slip. - In this second section, we will explain how to update the ledger at the issuer of the payment slip P (in this case, all telecommunications and telephone billing stations).

As mentioned above, the payment is made by the financial institution, but
Ultimately, the issuer's ledger must be cleared for payments made by users. The following three types of input methods can be considered for this erasing.

The first method is based on the payment slip P notification @P2. That is, the notification P2 is returned from each financial institution for centralized processing at the issuer.

At the issuer, the ledger is cleared by reading the returned notice P2 with another optical reader.

The second method is based on the image information file 86 of the wooden device. That is, the image information of the payment slip P read by the optical reader 42 is sequentially recorded in the image information file 86. This image information includes the user number (in this case, a telephone number) necessary for clearing the ledger, the billing year and month, and the billing amount. Therefore, the ledger is cleared by returning the recording medium on which the image information is stored and stored in the image information file 86 to the issuer. In this second method, compared to the first method described above, it is not necessary to read the notice P2 again with an optical reader, and it is also unnecessary to return a large number of notices P2 to the issuer. The redemption process can be easily performed, the time required to complete the process can be shortened, the process from payment to redemption can be completed in a short time, and service to users can be improved.

The third method is transmission connected to the main control section 81; a method in which the control section 91 transmits image information to the host computer. That is, the main controller 81 transmits the image information read by the optical reader 42 to the transmission controller 91.
to a host computer connected via a telephone line, etc.

When the host computer receives the image information, it performs processing for clearing, and the clearing of paid items from the ledger is immediately completed. In this third method, the above-mentioned first method. Compared to the second method, it is possible to apply payments in a short time after payment, and furthermore, since the automatic transaction device directly processes the application to the host computer, it eliminates human labor from the application process. It is possible to perform reliable and accurate clearing.

The first point explained above. Second. The third redemption method is selected by each issuer. In other words, whether the issuer's redemption system supports the conventional first method, or
Alternatively, the selection is made depending on whether it is possible to manually erase the ledger using a recording medium on which image information is recorded, or whether it is possible to erase the ledger directly from the host computer. This is because the level of development of each issuer's erasure system is different, so it is possible to correspond to each erasure system.

Next, in the above configuration, the operation of a telephone charge payment transaction will be explained with reference to the flowchart shown in FIG. First, the operation of a payment transaction using a single payment slip will be explained. For example, right now, a user stands in front of this automated transaction device. At this time, as shown in Figure 3, the display device 14 displays the message "Please specify the transaction" and the selection keys "1 payment slip, number of payment slips, reissue slip". There is (Sl). The user follows this guidance and presses the part that says "1 payment slip" (S2
). As a result, the main control unit 81 determines to proceed to the next processing step (S3), and displays "Please insert payment slip" on the display device i¥14 (S4). The user inserts the prepared payment slip P into the transaction medium insertion slot 4 according to this guide (S5). Thereby, the main control unit 81 determines that the payment slip P has been inserted (S6), and reads the payment information from the payment slip P (S7).

In other words, the inserted payment Mp is processed by the transaction medium processing device &2.
0 and an optical reader! 42, the payment information is read according to the pre-stored reading position of the payment 3gp and the logic of the read content (S7).

At this time, the main control unit 81 determines the position of the payment slip P via the optical reader 42, and if it is determined that it is not at the prescribed position, moves the payment slip P to the prescribed position via the conveyance path 27. do.

With this operation, the accuracy of reading the payment slip P by the optical reader 42 can be improved.

In addition, in the state of step S1, the user pays F, +4 P.
is inserted into the transaction medium insertion slot 4, the main control unit 81 determines this and performs 1. It is also possible to read payment information from the payment slip P (S7) as a payment transaction using one payment slip.

Now, the optical reading device 42 cuts out the characters to be read from the reading position of the payment slip P, but at this time, if it is determined that there is no specified number of characters within the reading position, or if it is determined that there are more than the specified number of characters. In this case, the optical reading device 42 determines that there are no characters at the reading position of the payment slip P (S8).

If it is determined that there are no characters, the main control unit 81 does not read the payment slip P again, and ejects the accepted payment slip P to the transaction medium insertion slot 4 and returns it to the user (S9).

Through this process, if the user inserts the payment slip P in the wrong direction, with the front and back sides, or inserts a foreign object other than the payment slip P, it becomes possible to take prompt action. If it is determined that it is impossible to recognize even one character cut out from the position, or the main control unit 81 activates the optical reading device 4.
If the check digit of the character at reading position A recognized in step 2 is incorrect and the check digit is incorrect, or among the characters recognized by the optical reader 42, the billing amount for two of the characters at reading position A, reading position B, Two payment deadlines for F, reading position C9
The main control unit 81 performs a matching check on the two makeshift phone numbers E, and if it is determined that they do not match, the main control unit 81 determines that the characters at the reading position are unrecognized (S8).

When the main control unit 81 determines that the optical reading device 42 cannot recognize the characters only at the reading position A of the payment slip P, the reading of the reading position of the payment slip P is repeated again. This process makes it possible to improve the reading accuracy of the optical reading device 42. If this process is performed a certain number of times, the main control unit 81 determines that the payment slip P cannot be read (S8).
, the main control unit 81 inserts the received payment slip P into the transaction medium insertion slot 4.
and return it to the user (S9).

If the main control unit 81 determines that the optical reading device 42 cannot recognize characters at reading positions other than reading position A of the payment slip P (S10), the main control unit 81 indexes necessary information from the station number table file 88. By doing so, the unrecognized character is determined (Sll).

That is, at reading positions other than reading position A, that is, reading positions B and F and reading positions C and H, payment deadlines and make-up telephone numbers are recorded, respectively, and these could not be read by the optical reading device 42. It turns out. In this case, the main control unit 81, based on the user's phone number [03-222-2000J read from the reading position A, the corresponding make-up phone number r03-234-1111J and the payment deadline (Roro only) 120'' from the area number table file 88, the temporary telephone number r03-234-1111J is first determined. Next, the payment deadline (day and date only) “12th” indexed from the area number table file 88 and the billing date “6” read from reading position A.
The payment deadline is determined to be ``February 120''. That is, in general, the makeshift telephone number is uniformly determined based on the user's telephone number. Further, the payment deadline is fixed on the same day every month, and the date is determined by the user's telephone number, and the payment deadline is determined in conjunction with the billing date and month information. Therefore, by having each of the information described above in the area number table file 88 as a table, it is possible to determine the make-up telephone number or payment deadline information that could not be read as described above.

In this way, when reading information at reading positions B, F, C, and H, which are not intended for machine processing and have poor reading conditions, if the information cannot be read, read from reading position A, which is intended for machine processing and has good reading conditions. Based on the information obtained, station number table file 8
By indexing necessary information from 8, the information that could not be read is determined.

Note that the process of step SIO is omitted, and the main control unit 81 integrally retrieves the necessary information (interval i
It is also possible to index u phone number and payment deadline).

If it is determined in step SIO that the characters at reading positions other than reading position A of the payment slip P are recognizable, or when the process in step S11 is completed, the main control unit 81 determines that the payment transaction is based on one payment slip. Please judge S'12
), the display device 14 displays the reading results of each reading position of the payment slip P at the same time, and also displays "Please insert cash" and a cancellation key (813). The user follows this guide and inserts the banknotes into the deposit slot 11.
Either insert a coin into the coin slot 8 or press the portion labeled "Cancel Key" (S14). Here, if the main control unit 81 determines that the cancellation key has been pressed (S15), the accepted payment slip P is ejected to the transaction medium insertion slot 4 and returned to the user, and the process returns to the initial state (S16).

In step S15, if the main control unit 81 determines that banknotes and coins have been inserted, the banknotes are transferred to the banknote dispensing unit 8.
2, and the coin is accepted by the coin dispenser section 83 (S17).

When the main control unit 81 determines whether banknotes and coins are accepted,
The accepted payment slip P is made to stand by at the printing position of the printing mechanism 52 (SIR). When the acceptance of banknotes and coins is completed, the main control unit 81 displays "Please confirm the deposited amount" on the display device]4, and also displays the deposited amount, a cancellation key, and a confirmation key (Sl, 9). . The user presses the confirmation key according to this guidance (S20). When the main control unit 81 determines that the confirmation key has been pressed, the display device 14
``The computer is currently processing the computer. Please wait for a while.'' is displayed (S21). And the main control section 8
1 sends and receives transaction messages to and from the host computer 522), prints the results on a journal printer 89, records the transaction details in a transaction details file 87, and uses the image sensor of the optical reader 42. The image information of the payment slip P obtained from 43 is recorded in the image information file 86 together with the reading result of information necessary for payment (8
23). Further, the main control unit 81 uses the printing mechanism 52 to print a receipt as shown in FIG. 10 on the payment slip P (S24).

When the printing of the receipt on the payment slip P is completed, the main control unit 81 sends the payment slip P to the cutter device 65 to receive a receipt fLFP s and a notification 4! FP 2 and a copy P3 are cut, the receipt P and the copy P3 are stored in the collection warehouse 70, and the notice P2 is stored in the first stacking section 74 (S25). When the collection of this payment slip P is completed, the main control unit 81
The receipt is printed (S26). That is, by operating the receipt issuing mechanism 49, one receipt R is taken out and sent to the printing position of the printing mechanism 52, and the transaction details as shown in FIG. 11 are printed on the register R using the printing mechanism 52. do. -Then, the main control unit 81 causes the display device 14 to display "Please receive the receipt".
27), eject the receipt R to the transaction medium insertion slot 4 (S
28). The user receives the receipt R from the transaction medium insertion slot 4 in accordance with this guidance (S29).

Next, the main control unit 81 determines the transaction type (530), and if it determines that the transaction is a payment transaction using one payment slip, it determines whether there is change (S31). If it is determined that there is change, the main control unit 81 displays the message "Please receive change" on the display device 14 and also displays the amount of change (S32). At this time, the main control section 81 operates the banknote dispensing section 82 to discharge change banknotes to the deposit port 11, and operates the coin dispensing section 83 to discharge change coins to the change discharging port 8. 833). By discharging the change, the users receive the change from their respective receiving slots (S34).
, the processing of the payment transaction using one payment slip is completed.

Next, the operation of a payment transaction using multiple payment slips will be explained. The same steps 81 to S30 as described above are executed. However, in step S2, the user presses the part displayed as "Multiple payment slips", and in step S17, the user deposits the total transaction amount for the plurality of payment slips P for which the user intends to perform a payment transaction.

In step S30, the main control unit 81 determines the transaction type, and if it is determined that the transaction is a payment transaction based on the number of payment slips, it determines whether the payment slip P is one piece in this payment transaction (S 35). If it is determined that the payment slip P is a single payment slip, the main control section 81 proceeds to step S4. Through this process, in the case of a payment transaction based on the number of payment slips, after the payment transaction for one payment slip P is completed, the payment transaction for two payment slips P is unconditionally transferred. Therefore, the user's operations can be simplified and facilitated.

In step S35, if it is determined that the number of payment slips P is not 1", the main control unit 81 displays on the display device 14 the message "Do you have any other payment slips? Please specify", and if there are other payment slips. Display keys and exit keys (S3
6). Following this guidance, the user presses the other payment slip-a key or the end key (S
37). Here, if the main control unit 81 determines that the other payment slip present key has been pressed (S38), the process proceeds to step S4, and if it determines that the end key has been pressed, the process proceeds to step S31. This process is performed every time a payment transaction is completed for each payment slip P from the second opening onward, so when the payment transaction for the number of payment slips P desired by the user is completed, this payment slip Processing of multiple payment transactions can be completed. Note that when a payment transaction using a plurality of payment slips is selected in steps 81 to S2, by manually inputting the number of payment slips P to be handled, it is also possible to capture and process that number of payment slips P.

Step S35 or step S38 to step S
If the process proceeds to Step 4, the processing from Steps 84 to Sll is executed in the same manner as in the payment transaction using one payment slip. Subsequently, in step S12, the main control unit 81 determines that the payment slip t (payment slip P for multiple payments is the second or subsequent one), and displays the display device 14.
The reading result of each reading position of the payment slip P, the total amount of billed amount of all the payment slips P up to this time, the amount of banknotes and coins deposited, and the balance available for transaction (change) are displayed simultaneously.
Please confirm the details of the transaction.'' At the same time, a confirmation key and a cancellation key are displayed (S39). The user presses the part labeled "Confirm key" or "Cancel key" according to this guidance (S40).

Here, if the main control unit 81 determines that the confirmation key has been pressed (S41), the process advances to step S21. In this case, since the user deposited the total transaction amount of all payment slips P in step S17 when making a payment transaction for one payment slip P, in the payment transaction for the second and subsequent payment slips P, The deposit operations in S17 to S20 are no longer necessary and can be omitted. This simplifies user operations and reduces processing time.

Furthermore, there may be a case where the total billed amount of all payment slips P up to that point exceeds the amount of banknotes and coins deposited, that is, a cash shortage may occur.

In this case, the main control unit 81 displays the content on the display device 14 and also displays the amount of money that is insufficient.

The user follows this guidance and inserts the amount of banknotes and coins corresponding to the insufficient amount. This is the step S1 in which the user pays a single payment slip for an amount that is different from the total billed amount of all payment slips P.
When the payment is made in step 7, the payment transaction can be continued through this process.

In step S41, if the main control unit 81 determines that the cancel key has been pressed, the process proceeds to step S16 and performs the same process as the payment transaction using one payment slip.

When proceeding from step S41 to step S21, steps S21 to S
25 is executed. Subsequently, in step S26, the main control unit 81 uses the printing mechanism 52 to print on the receipt R the content read from the payment slip P, the amount of cash deposited, and the amount obtained by subtracting the total amount of billed amounts up to the previous time from the deposited cash amount. , further print change, etc., and perform steps S27 to S30°S similar to the above.
35 to S38 are executed. And step S3
If the process proceeds from Step 8 to Step S31, steps S31 to S34 are executed in the same way as the payment transaction using one payment slip, and the processing of the payment transaction using the number of payment slips is completed.

Next, the operation of a payment transaction using a reissued document will be explained. When the process from steps $1 to S3 is executed in the same manner as described above, and the part displayed as "reissue document" is pressed, the main control unit 81 proceeds to step S42, and the display device 14 displays "telephone number, billing amount". , please enter the payment deadline," along with a numeric keypad and a correction key. The user inputs necessary information (telephone number, billed amount, payment deadline) by pressing the area where the numeric keypad is displayed according to this guidance (843). The information manually entered here may include other items depending on the information written on the payment slip.

The main control unit 81 displays the necessary information entered manually on the display device 14, displays the message "Please check the contents and press the confirmation button" on the display device 14, and also displays the confirmation key, correction key, and cancel key. Display (S44). Following this guidance, the user presses the part labeled as confirmation key, correction key, or cancellation key (S45). Here, if the main control unit 81 determines that the correction key has been pressed (
S46), proceed to step S42, and then step S46).
42 to S45 are executed. Further, if the main control unit 81 determines that the cancel key has been pressed (S47), step 8
The process advances to step 48 and returns to the cut-off state.

In step 347, if the main control unit 81 determines that the confirmation key has been pressed, the display device 14 displays "Please insert a payment slip" (S49).

Following this guide, the user inserts the reissue payment slip P' as shown in Figure 8 into the transaction medium insertion slot 4 (55
0). Thereby, the main control unit 81 determines that the reissued payment slip P' has been inserted, and the transaction medium processing device 20 takes it in (S51). This is effective for the person in charge H to confirm that the information entered manually by the user matches the contents of the reissued payment slip P'. Then, the main control unit 81 displays the message "Please insert cash" on the display device 14 (552), proceeds to step 814, executes the same processes of steps S14 to S34 as described above, and completes the payment transaction using the reissue note. Finish the process.

[Effects of the Invention] As detailed above, according to the present invention, the validity of the information read from the recording medium is checked, and if the check result is positive, the payment transaction is executed based on the read information. If a part of the information on the recording medium cannot be read, 1- determine the information that could not be read by indexing the necessary information from the storage means based on other read information; By controlling the continuation of transactions, it is possible to sufficiently ensure the reliability of payment transactions, and even if some information cannot be read due to poor reading conditions, payment transactions can be continued, which improves the operating rate. It is possible to provide an automated transaction device that can improve customer service and service to users.

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention. Fig. 1 is a flowchart explaining the processing operation of a telephone bill payment transaction, Fig. 2 is a perspective view of the overall appearance of the device, and Fig. 3 is a display device. FIG. 4 and FIG. 5 are diagrams for explaining the configuration of the transaction medium processing device, FIG. 6 is a block diagram for explaining the overall configuration, and FIG. 7 is for telephone charges. Fig. 8 is a diagram showing an example of the structure of a reissued payment slip, Fig. 9 is a diagram for explaining the reading position for the payment slip, Fig. 10 11 is a diagram showing an example of printing of receipt on a payment slip, and FIG. 11 is a diagram showing an example of printing of a receipt. P...Payment slip (recording medium), P'...
Reissue payment slip, 2...Customer service operation department, 4...
...Transaction media insertion slot, 11...Deposit slot, 14.
... CRT display device, 20 ... Transaction medium processing device, 42 ... Optical reader (reading means), 81 ... Main control unit, 82 ... ...Banknote withdrawal department, 83...Coin withdrawal department, 88...
...Station number table file (storage means). Applicant's representative Patent attorney Takehiko Suzue d) Figure 1 (C) Figure 3

Claims (1)

[Scope of Claims] Receiving means for receiving a recording medium on which information related to payment of public charges, etc. is recorded; Reading means for optically reading and recognizing the information from the recording medium received by the receiving means; a checking means for checking the validity of the recognition result of the reading means; a transaction means for executing a payment transaction based on the information read by the reading means when the check result of the checking means is positive; information related to the payment; , and when a part of the information on the recording medium cannot be read by the reading means, the readable information is read by indexing necessary information from the storage means based on other read information. An automatic transaction device characterized by comprising: means for determining information that has not been found and for controlling the transaction means to continue the payment transaction.