JPH02146676A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To diversify automatic transaction by providing a means which discriminates the types of transaction media and therefore recording the paid state information to the returned transaction media in accordance with the types of the transaction media. CONSTITUTION:A type discriminating means 20 for automatic transaction machine decides the types of the transaction media which are set into the transaction machine and sends the deciding result to a control part 81. While a paid state information record means of the transaction device records the paid state information to the returned transaction media after a payment transaction process is through with the transaction media. In this case, the part 81 selects a recording part in accordance with the type of the relevant transaction medium and based on the deciding result of the means 20. Then the recording control is carried out to the returned media via the 1st and 2nd solenoids 104A and 104B of the selected recording part. Thus it is possible to add a receipt stamp to the transaction medium to be returned to a user in accordance with the type of the transaction medium. Then the automatic transactions can be diversified.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Industrial Application Field) 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 public interest payments.

(Prior art) In recent years, magnetic cards or magnetic passbooks containing account information provided by users have been accepted and used as deposit ledgers.
-Automated teller machines that automatically pay cash requested by users through online communication with a computer, or automated teller machines that automatically accept cash using magnetic passbooks that store account information, etc. Furthermore, automated teller machines and other automated teller machines that combine both of these functions into a single device are rapidly developing as automation equipment for bank counters, and are being introduced at banks to provide quick service to users. is being developed.

In addition, in recent years, with the increasing use of economic activities, there has been an increase in transfer transactions such as loan repayments and tuition fee transfers using financial institutions such as banks. Devices have been developed and put into practical use that perform transfer transactions in which the received cash is transferred to another bank account or a predetermined amount is transferred from one's own account to another bank account through card transactions.

However, with this type of automated teller machine, you must pay taxes, public interest, etc. by bringing a payment slip issued by the billing party in advance, and receive a receipt stamp on one piece of the payment slip as proof of this. The drawback was that it could not be used for payments made by banks (from a financial institution's perspective, this is a collection service).

Recently, as a solution to these shortcomings, an automatic transaction device that can automatically perform payment transactions such as utility charges has been proposed (Japanese Patent Application No. 130664/1986).
(see prefecture). 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. At the end of the process, a receipt stamp is stamped on the accepted payment slip, and a piece of the receipt side is cut off and discharged.

However, since this automatic transaction device is equipped with only one type of receipt stamp, there is a problem in that only the same receipt stamp can be stamped on any receipt. Receipts include those that separate a part of the invoice and those that are newly issued, and although the size and color of the receipt stamp differs depending on the billing source, automatic transaction devices always display one receipt. Since only different types of receipt stamps can be pressed, there are cases where the stamp does not fit the format of the receipt or is not recognized as a receipt stamp.

(Problem to be solved by invention) The present invention has been made in view of the above circumstances, and it is possible to affix a receipt stamp according to the type of transaction medium to the transaction medium to be returned to the user, and it is possible to affix a receipt stamp according to the type of transaction medium, and to The purpose is to provide an automatic transaction device that can contribute to diversification.

[Structure of the Invention] (Means for Solving the Problem) The present invention takes in a transaction medium in which payment-related information related to an amount payment is recorded, reads the payment-related information from this transaction medium, and makes a payment based on the reading result. A'3 is located in an automatic transaction device that executes transaction processing and returns the returned transaction medium on which paid information is recorded, and includes a type determination means for determining the type of transaction medium taken into this device, and a type determination means for determining the type of transaction medium taken into the device; a paid-in information recording means comprising a plurality of types of recording units for recording paid-in information on the returned transaction medium after completion of payment transaction processing; and each recording unit in the paid-in information recording unit based on the determination result of the type determining unit. Of these, a control means selects a recording unit according to the type of transaction medium and controls recording on the returned transaction medium.

(for production) The operation of the apparatus having the above configuration will be explained below.

The type determination means of this device determines the type of transaction medium taken into this device, and sends the determination result to the control unit.

On the other hand, the paid-in information recording means of this device records paid-in information on the returned transaction medium after completion of the payment transaction processing for the bow medium, but at this time, the control means is configured to Then, a recording unit is selected according to the type of transaction medium at this time, and recording on the returned medium is controlled by the selected recording unit.

(Example) An example of the present invention will be described below with reference to FIG.

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. On the vertical surface 3 of the customer service operation unit 2, there is a transaction medium 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. Indicator 5 shows the number of deposits that can be processed.

A transaction display 6 for displaying and guiding each transaction such as payment and payment, and a call button 7 for the user to call a staff member.
, a coin input slot 8 for users to deposit coins, and a change output port 9 for discharging change coins to the users.

A deposit slot 11 is provided in the horizontal direction 10 of the customer service operation unit 2, into which a large number of banknotes can be inserted and change can be received. It is being taken.

A slope 1 is provided between the vertical direction 3 and the horizontal direction 10 of the customer service operation section 2.
3 is formed, and on this slope 13 there is a CRT display device 14 on which a transparent touch panel (touch sensor) is placed over the display screen. Operating procedure.

Other information is displayed on the screen in the form of illustrations or two characters or words to guide the user, and the display also allows users to respond to requests such as the PIN number, amount 2, bank account number, approval, confirmation, or cancellation of withdrawals, etc. When a display portion is pressed, the touch panel detects it and outputs a corresponding signal to a control means 81, which will be described later, which is a so-called key operation.

For example, as shown in Figure 3, the message ``Please specify the transaction'' is displayed, along with instructions for ``one payment slip, multiple payment slips, and reissue slip.'' It has become. Therefore, the contents and display change each time the machine operation or step status changes.

FIG. 7 shows, for example, a telephone bill payment slip P as a recording medium according to this embodiment. The payment slip P has the period covered by the charge, the payment deadline, the user's name, the user's telephone number, the billed amount, 2 the issuer code number, 1 the makeshift phone number, etc. 1, and the payment slip P. For example, P can be divided into three pieces, a3, which consists of a receipt as a type of transaction medium to be returned to the user (payer), P2 for notification to the issuer, and a copy P3 during the receiving financial period. ing. still,
Payment slip P can be formed in various ways depending on the issuer, but
The structure is essentially the same as above.

Further, the payment slip P is inserted in the direction of the arrow shown in the figure, and its width in the insertion direction is approximately the same as the width of the passbook.

4 and 5 show a transaction medium processing device 20 provided in the housing 1, which is a magnetic card inserted into the transaction medium insertion slot 4 shown in FIG.

A cash register (~R), which is a type of return transaction medium shown in FIG. It has a built-in journal paper J for printing out a series of transaction records and for 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, a transaction medium insertion slot 4 is communicated with the front side of the main body 21, and a selection shutter 2 is connected to the transaction medium insertion slot [14].
2 is installed. The selection shutter 22 is installed in a position where the user can visually see its opening/closing state, and when inserting a passbook or payment slip P, the selection shutter 22 opens and closes the transaction medium. The opening of the insertion slot 4 is widened, and when a magnetic card is inserted and covered, the opening of the transaction medium insertion slot 4 is narrowed. For the passbook or payment slip P insertion slot,
In the case of narrow magnetic cards, the insertion position can be clearly known, and it is possible to align them with the transport path within the transaction medium processing device 20 and insert them. In addition, selection shutter 2
2 is opened and closed by a solenoid 23. 1. Near the transaction medium insertion slot 4, that is, inside the selection shutter 22, there is an optical device for inserting or removing a magnetic card, passbook, or payment slip P. A detector 24, .
25 is set (blocked) and the magnetic strip 1 of the magnetic card is
~Equipped with 26 detectors that magnetically detect the presence or absence of live performances (
It is blocked. 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.

A general feed path 27 is provided in a substantially horizontal state from the detectors 24, 25 toward the rear of the main body 21. The conveyance path 27 includes drive rollers 28 . ..., these drive rollers 28
．． Pinch rollers 29. ...
It is comprised of a guide bottom plate 30, etc., and is driven by a pulse motor via a bell (not shown). The transport path 27 is provided with side plates 31 and 32 at positions corresponding to the widths of the bankbook and payment slip P, and a movable side plate 33 is provided at a position from the side plate 31 corresponding to the width of the magnetic card.

As a result, the side plates 31 and 32 regulate the conveyance position of a bankbook and one payment slip, and the card conveyance path 34 formed by the side plates 31 and the movable side plate 33 regulates the conveyance position of a magnetic card.

Note that 35 is a solenoid that drives the movable side plate 33, and 36 is a support arm to which the movable side plate 33 is fixed. As a result, when the solenoid 35 is energized, the handle arm (not shown) moves downward, and the movable side plate 33 moves to the bottom plate 3.
It is in a state where it is evacuated below 0 (when the passbook and payment slip P are transported). When the solenoid 35 is deenergized, the handle (not shown) (=J arm moves upward and the movable side plate 33 moves toward the bottom plate 30).
protrudes upward (when transporting a magnetic card).

Once, when transporting the passbook or payment slip P, 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. 34 and can transport the magnetic card.

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 and the main shutter 3 is activated.
It is designed to open 7.

At the rear stage of the main shutter 37, there is a sub-transport path 27A branched from the transport path 27, a payment information recording means 100 arranged facing the sub-transport path 27A, and an arrow α1 not shown in FIG.
．． It rotates in the α2 direction and transfers the withdrawal medium or return transaction medium to the conveyance path 27. Sorting games 1 to 101 are arranged on any of the sub-transport paths 27A.

The payment information recording means 100 has a first and a second
The recording section 102A and 102B are provided.

The first recording unit 102A includes a first stamper 103Δ whose stamp surface faces the sub-transport path 27A, and a first solenoid 1071A that presses the first stamper 103A onto the transport surface of the sub-transport path 27A. It is equipped with.

The stamp surface of the first stamper 103A is shown in FIG. 6(C).
As shown in the figure, the payment information consisting of the name of the telephone office and the two years, month and day of receipt is engraved.

The second recording unit 102B also includes a second stamper 103B having the same configuration as the first recording unit 102Δ, and a second solenoid 1.
011. B, and the stamp side of the second stamper 103B has the name of the bank and the receipt number 2 as shown in FIG. 6 (d).
The year, month, and day characters hs + growling payment groove information are engraved. Behind the main shutter 37 is 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 strips 1 to 1 of the accepted bankbook. The magnetic head/1.0 is adapted to read or record information on the magnetic stripe of the accepted magnetic card. Pressing rollers 41 and 41 are provided at opposing portions of each of the magnetic heads 39 and 40 to bring the corresponding magnetic strips 1 to 40 into contact with each other with a predetermined pressure.

In the middle of the conveyance path 27, there is an optical type discriminating means that reads the "day" column of the passbook to detect the presence or absence of printing, detects the presence or absence of a page mark, and roughly reads the payment information on the payment slip P. The optical reading device 42 includes, for example, a CCD image sensor 43, a lens 44 that reduces the information on the object to be read and forms an image on the light receiving surface of the image sensor 43, and an image sensor. The image sensor 43 is composed of a character recognition section 45 that recognizes information based on the output signal of the image sensor 43.
Moreover, this optical reading device 42 stores in advance the characteristics of multiple 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 its characteristics are used to read the payment-related information on the payment slip P and send out the reading results. 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/16 that automatically turns the pages of the passbook is provided in front of the optical reader 42 on the conveyance path 27. The turn page mechanism 46 performs an auto-turn page in the opposite direction by rotating the passbook back-up plate 47 and the direction of the arrow a in FIG. It is made up of 48 turns.

Below the turn page mechanism 46, there is provided a cashier 1 issue mechanism 49 that issues [< to the cashier 1. 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 installed in front of the turn page mechanism 46 on the conveyance path 27. The printing mechanism 52 prints predetermined information on each bankbook, journal paper J, and receipt R2 payment slip. , a wire 171 to type print head 53, a sharpening ridge 54 that moves this print head 53 in a direction perpendicular to the conveyance direction of the conveyance path 27, and this key (・
It is composed of a slide rod 55 that guides the ridge 54, a stand 56 as a platen, and the like.

An embossing stand 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 about the rotating shaft 58 to form the upper side of the journal paper J (embossed portion 59).
At this time, the enhancing roller 60 provided above the journal paper J moves along the roller movement path 61. As a result, the emboss of the magnetic card is transferred onto the journal paper J. When the embossing table 57 enters the card standby state, the card position detector 62 detects that a magnetic card has been placed, and stops conveying the magnetic card. The cart position detector 62 is a well-known device consisting of a light emitting element and a light receiving element. A journal paper J corresponds to the upper part of the stand 56 and the embossing unit 59 (the embossing stand 57 during embossing). The journal paper J is held on the feeder 1NI 63, and is passed through the stand 56 and the embossing part 59 to the take-up shaft 6.
It is designed to be wound up in 4 rolls.

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. It is.

At the end of the conveyance path 27 is a bankbook that has been conveyed.

A collection warehouse 70 is provided for collecting payment slips P and magnetic cards via first groups 1 to 69. The first gears 1 to 69 are driven by a solenoid 71, and when collecting a passbook or payment slip P, etc., the solenoid 71 is energized to rotate upward (to a position not shown by a solid line in FIG. 5). It has become.

When the first goos 1 to 69 are moving downward (when the solenoid 71 is not energized), the conveyance path 27 can be conveyed roughly to the back, and the second goo Groups 1 to 72 are set up. Second group 1 to 72 are set.
72 is driven by a solenoid 73 to classify the conveyed payment slips P and stack them in the first stacking section 74 or the second stacking section 75.

On the other hand, inside the housing 1, as shown in FIG. 6(a), a control means 81. A banknote dispensing unit 82 accepts banknotes inserted into the deposit slot 11 and dispenses bills of a specified amount to the deposit slot 11; Pay out the coins to the change outlet 9 J-Coin payout section 83. Attendant operation unit for staff 84. Cumulative memory 85 for storing cumulative information for each type regarding all transactions. An image information file 86 that sequentially stores image information of the payment slip P read by the optical reader 42. Transaction details file 879 for recording transaction details; station number table file 88. Journal printer89. A transmission control unit 91 and the like that control data transmission between the CPU 94 and a host computer (center) not shown are provided.

The control means 81 also includes the customer service operation section 2. Transaction medium processing device 20. Remote monitor unit 90 for staff provided outside. An abnormality determination means 92 and an abnormality number storage section (memory) 93 are also connected.

As shown in FIG. 6(b), the control means 81 includes a CPLJ 94 that controls the entire device, a 1-gram memory 95 that stores the operating program of the device, and a 1-gram memory 95 that controls each element of the device. and a human output interface 97 for transmitting and receiving necessary information between the two.

The CPU 94 includes the first . second solenoid 10
4A and 1041B are connected.

The station number table file 88 is stored in the optical reader 42.
This index is used to index information on the temporary phone number and interest payment deadline (information related to payment) related to telephone interest rates based on the user's phone number read by the user. Each piece of information regarding payment deadlines is filed as a data table. Note that the information in this station number table file 88 does not need to have information for all districts, but by having information for a limited number of districts, it can be used as an auxiliary function for information in that district. . .

Next, the passbook processing operation will be explained with reference to FIGS. 4 and 5. When accepting a bankbook, the CPU 94 energizes the solenoid 23 to open the selection shutter 22 and activate 1. At this time, the CPU 94 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 user inserts the passbook into the transaction medium insertion slot 4 while listening to the predetermined page, the insertion is detected by darkening the detectors 24 and 25, and the CPU 94 energizes the solenoid 38. to open the main shutter 37. Then, the inserted passbook is transferred to the drive rollers 2B, . . . and the pinch rollers 29. ...is held and taken into the transaction medium processing device 20, 2
As a result, the account information recorded on the magnetic strip is read by the magnetic head 39 without being transported. Next, the optical reading device 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 CPU 94 excites the solenoid 35 and opens the selection shutter 22. At this time, the CPU 94 is energizing the solenoid 35,
Due to this excitation force, the movable side plate 33 is retracted below the bottom plate 30. As a result, the conveyance path 27 is connected to the side plate 3.
A width defined by 1 and 32 is formed. When the payment slip P is inserted into the transaction medium insertion slot 4 by the user, the insertion is detected by setting the detector 24.25 to 116, and the CfD U 94 excites the solenoid 38 to close the main shutter 37. hear. Then, the inserted payment slip P is moved to the drive roller 28. ...and pinch roller 2
9. ... and taken into the transaction medium processing device 20. As a result, while the captured payment slip P is being conveyed, the optical reading device 42 reads the payment information including the type information. Then, the CPU 94 causes the display device 14 to display the result of recognizing only the information necessary for the payment by the optical reader 42.

The payment slip F read by the optical reader 42 is transferred to the drive roller 28 . ... and pinch roller 29, ...
and is further transported to the first stacking section 74 and the second stacking section 7.
It is classified and accumulated into 5 categories. That is, the payment slip [) on which the receipt curve has been printed is further conveyed and cut into three pieces, a receipt Pi, a notice P2, and a copy P3, by the cutter device 65. Divided receipt E? Pt and copy P3 are collected by the first goo 1-69 and stored in [70]. Notification mP
2 are classified according to their publishers, and classified and stored in the 1st and 2nd accumulation sections 74 and 75 according to the second groups 1 to 72. For example, the first accumulation section 74 stores payment slips for telephone charges, and the second accumulation section 75 stores payment slips for banks and the like.

By classifying and storing payment slips in this way, it becomes unnecessary to classify them by issuer when organizing payment slips. Furthermore, since the payment slip P is divided into the receipt Pi, the notice P2, and the copy P3 and stored, there is no need to divide the payment slip P when sorting, and the effort for sorting can be saved. Furthermore, since the notifications P2 to be returned to the issuer are classified and accumulated, they can be returned to the issuer as they are, and the organization work can be simplified.

On the other hand, the cash registers 1 to R are returned in the opposite direction along the conveyance path 27, and at this time, under the control of the control means 81, the register 101 rotates in the α2 direction to the distribution game 1, and the receipt R is sub-transported. 27A.

Then, the first recording unit 102A records paid information on the cash registers 1 to R under the control of the CI) U 94. Of course, if the type information from the optical reading device 42 indicates one payment slip to the telephone office as shown in FIG. d5+j first solenoid 1
04A is selectively excited, and the first stamper 103A is pressed down to the register (~R) on the sub-transport path 2γΔ.

As a result, the receipt [or the paid information shown in FIG. 6(a) as shown in FIG. 11] is recorded.

Next, the processing operation of the magnetic card will be explained with reference to FIGS. 4 and 5. If you accept magnetic cards, select
The 7 ivy 22 is in a closed state.

At this point, the CPU 94 does not excite the solenoid 35, so the movable side plate 33 protrudes from the bottom plate 30. As a result, the transport path 27 forms a corner 1 general path 3/1 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 the detector 26 detecting the magnetic card. solenoid 3
Excite 8 and listen to the main shutter $7. When it is covered, the inserted magnetic card will move between the drive rollers 28°... and the pinch 1]-ra 29. . . . is held and taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe of the magnetic card taken in is read by the magnetic head 40 while being conveyed. The magnetic card from which the account information has been read is further conveyed to an embossing stand 57, where it is once 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, the CPU 94 rotates the rotary shaft 5B to rotate the embossing table 57 by 90 degrees around the rotary shaft 58.
The magnetic card (2) is controlled so that it enters the lower side of the (A) nominal paper J. The journal paper J is impregnated with pressure-sensitive coloring ink, and the journal paper J on the upper side of the magnetic card is moved by an embossing roller 60 onto a roller movement path 61.
By moving along the magnetic cart and applying pressure, the embossment of the magnetic cart can be copied onto the journal paper J.

1-J: Receive the magnetic card, read the account information from the magnetic card, and copy the emboss. When returning the magnetic cart, the embossing table 57 is rotated 90 degrees in the opposite direction (clockwise) with the magnetic card placed thereon, contrary to the previous operation, and the magnetic cart is brought 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 Δ in the center of the payment slip P, information for reading and processing by the optical reader 421' is printed. In the past, ordinary customers did not need to decipher the numbers on the card. The payment deadline is printed at reading positions B and F. The payment deadline varies depending on the area code of the user's telephone number, for example, so that payment deadlines are not concentrated at the same time. The payment deadline is only the 1st of the month, and there is no year.

At reading positions C and F, the telephone number of the appointment destination is printed. The contact telephone number is the telephone number of the telephone office that manages the telephone used by the user. I can make it. 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, in the financial period in which the charges have been paid, the call suspension is canceled by notifying the temporary telephone number that the charges have been paid.

The user's name or katakana is printed at the reading position. The optical reading device 42 reads the image information at this reading position and outputs the reading result, or does not perform the recognition process. That is, the name information at this reading position is used to prove which payment slip was used rather than who made the payment, and the input image information is kept as a record.

Here, the processing after reading these reading positions A to [ with the optical reading device/12 will be explained. Information for machine processing is stored in the reading position, and the user's telephone number, billing date, and billing amount are recorded here. That is, the 6th to 14th digits (3022220
00) is the user's phone number (03-222-2000)
) is not shown. The 15th to 18th digits (8802) on the first line indicate the billing date (February 1963). The 19th digit (3), which is the last digit of line 11, indicates the digit 1~ for logically checking the validity of the reading result of this line. ioThis makes it possible to detect the misreading even if it occurs.

1st to 9th digits and 10th to 18th) rows (0
00004000> Ha, the billed amount (4000
) is not shown. 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 read result on this line. This makes it possible to double check the billed amount and improve reliability. 1° reading positions B and F and reading positions C and E record the payment deadline and payment interval, respectively. has been done.

However, since these are not for machine processing, they are not used for data processing, and cannot logically check the validity of the read results.

Therefore, the validity of the read result is checked by reading information in two places where the same content is recorded and performing a matching check. 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, Is going. As a result, even if the reading position is contaminated with dust or the like and the same error occurs no matter how many times the reading is performed, the reading result can be checked reliably.

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 △, C, and E as described in (e) above is not recorded.

Next, a description will be given of printing of receipt performed on the accepted payment WP. The payment information on the payment slip P brought by the user is read by the optical reader 42. 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 not shown in FIG.

As shown in the previous example, the payment slip P consists of a receipt P1 to the user, a notice @P2 to the issuer, and a receipt P3 for the financial period. First, the contents printed on the receipt 1]1 to the user will be explained. Receipt P1 includes the receipt date [63-
Information "Issuance groove" indicating that 02-05J and another receipt are issued is printed. In this embodiment, a separate slip (cashier) is printed and issued as a receipt to the user, so the receipt IP1 of the payment slip P is sent to the collection warehouse once these are printed. Collected at 70. The reason why a separate ticket is issued as a receipt is that the receipt P1 is printed by the normal printing mechanism 52.

Therefore, it is possible for a malicious user to print "receipt" on the receipt@P1 using a printing device that he or she owns, similar to the "receipt" printout of this device. Receipt P printed like this
It is possible to separate 1 from the paid IP and make a false application that the payment has been made to the financial period. Therefore, by incorporating ticket slips (register 1 ~) that are not available to general users into this device and issuing them as receipts, crimes can be committed by issuing receipts using only general printing devices. It is possible to prevent it from being used. In addition, [Receipt]]1 is printed with [Issued 1] to indicate that another receipt has been issued. The issuance of single-ticket receipts will be explained in detail later.

Next, the contents printed on the notice P2 to the issuer will be explained. The notice N P2 includes the name of the financial period that received the payment, the name of the store (in this case, i
The information “receipt” indicating that it has been received, and the amount received [￥
4000J is printed. This notification P2 is then returned to the issuer [1], and the ledger is updated at the issuer. The issuer centrally organizes the returned notifications P2 and uses another optical reader to read the part for mechanical processing (reading position A) printed in the center of the notification 11P2. Ledger updates are automatically performed. Roughly speaking, this notification P2 is stored at the issuer. At a later date, if a dispute arises between the user and the user regarding the payment, the stored notice P2 will be processed. From this point on, it becomes immediately clear when and in what storage period the application was received.

Next, the contents printed on the copy P3 in the financial period will be explained. Copy 1. )3, the receipt date J 63-02-0
5", information "Receipt" indicating that the transaction has been received, and transaction serial number f-05] 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, at a later date, 1.
- If a problem occurs, it becomes possible to match the copy P3 with the transaction record, and it becomes possible to clearly prove the details of the transaction.

As mentioned above, the receipt P1 for the payment slip P is not issued to the user. Instead, a receipt R stored in the device is issued. , cash registers 1 to R are issued when a bank account transaction is made without bringing a passbook, and are also used as a receipt for a payment transaction using the payment slip P. An example of printing on registers 1 to R in this case is shown in FIG.

The handling date f' 63-02-0! is displayed in cash registers 1 to R. ]
J, dealer code l-0456-0123J, and transaction number (transaction serial number) [053J are printed. This makes it possible to determine when, which store, which machine was used, and which transaction occurred. "Telephone" for transactions indicating transaction type
is printed, indicating that the telephone charge is being paid. The transaction amount, which is the amount to be paid, [¥4,000J], the transaction cash, which is the amount that the user deposited in cash, [¥100OOJ], and change [¥6,000,...l] are printed.

If this change [¥6000J] is to be paid in after Zara, the change will not be refunded and the payment process will be automatically successively performed from Zara. moreover,
Billing date “63-02” and payment deadline 1”02-12J
is printed according to the reading result of the optical reader 42.

Since this is a payment of telephone interest, the proper noun "Nippon Telegraph and Telephone Corporation", which is stored in advance in the control means 81 of this device, is printed in the recipient column. Further, the telephone number is printed according to the reading result of the optical reader 42. In this way, the proper name of the recipient stored in the device according to the transaction type is automatically printed as the recipient name, instead of the reading result of the optical reader 42 as the recipient. The user is at the cash register
(The recipient can be identified immediately after receiving the R (receipt).

In the client column, the client's name "A7 Mada Taro" and the client's telephone number [03-222-2000J] are printed. The client's telephone number is printed according to the reading result of the optical reader B42. In addition, the client name is printed using the image information obtained by the optical reader 42 3.
That is, rather than the result read and recognized by the optical reader 42, the read image itself is translated as the client's name. It is not necessary to recognize the image itself, and it can be put into practical use with an inexpensive and small optical reading device3.Also, by transferring the image itself,
If a problem occurs at a later date, check the cashier-1
By comparing the client information transcribed in ~R with the client name column printed on the copy P3 of the payment slip P, it can be confirmed that a payment transaction was indeed made using that payment slip. It becomes possible to prove it. Here, a method for updating the ledger at the issuer of the payment slip P (in this case, the Telegraph and Telephone Separate Payment Bureau) will be explained. As mentioned above, payments are made according to the financial period, but ultimately the issuer's ledger must be cleared for the payments made by the users. There are three possible input methods for this erasure:

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

The issuer clears the ledger by reading the returned notification mP2 with another optical reader.

The second method is based on the image information file 86 of this 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 date, the billing amount, and the like. Therefore, the image information file 86
The ledger is cleared by returning the recording medium on which image information is recorded to the issuer.

In this second method, compared to the above-mentioned first method, again,
It is no longer necessary to read each notification letter 2 with an optical reader, and it is also no longer necessary to return a large number of notification letters P2 to the issuer, making it easier to erase and reduce the time it takes to complete the process. , it is possible to complete the process from payment to redemption in a short period of time, improving service to users.

The third method is to use the transmission control unit 91 connected to the CPU 94.
This is a method of transmitting image information to a post computer using That is, the image information read by the optical reader 42 is transmitted by the CPU 94 via the transmission control section 91 to a host computer connected via a telephone line or the like. When the computer receives the image information, the computer performs processing for erasure, and the erasure of the paid information from the ledger is completed outside the department. In this third method, the above-mentioned first and second
Compared to the method described above, it is possible to apply the transaction in a short time after payment, and furthermore, since the automatic transaction device directly processes the application from the computer to the host 1, it eliminates the need for manpower in the application process. This allows for reliable and accurate redemption.

The first point explained above. Second. The third redemption method is selected by each issuer. In other words, whether the issuer's reconciliation system supports the conventional first method, whether it is possible to input it using a recording medium on which image information is recorded, or whether the ledger can be reconciled directly from the host computer. J: is selected if it is possible. 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 configuration as shown in FIG. 1(a) to (
The operation of the telephone charge payment transaction will be explained with reference to the flowchart shown in e). 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 point, the display device 14
As shown in Figure 3, [-Please specify the transaction] is displayed, along with the selection keys for 1 payment slip, multiple payment slips, and reissue J (Sl). Following this guidance, the person presses the part that says ``One payment slip per ticket'' (S2). As a result, the CPU 94 determines to proceed to the next processing step (S3), and displays "Please insert payment slip" on the display device 14 (S4). The user inserts the prepared payment slip P into the transaction medium insertion slot 4 according to this guide (35).

As a result, the CPU 94 determines that the payment slip P has been inserted (S6) and reads the payment information from the payment slip P (S7).
).

That is, the inserted payment slip P is taken into the transaction medium processing device 20, and the payment information is read by the optical reading device 42 according to the logic of the reading position and reading content of the payment slip P stored in advance ( S7). At this time, CPU9
4 determines the position of the payment slip P via the optical reader/1.2, and if it is determined that it is not in the specified position,
7, the payment slip P is moved to the specified position. By this operation, the reading viscosity of the payment slip P by the optical reader/1.2 can be increased.

Incidentally, when the user inserts the payment slip P into the transaction medium insertion slot 4 in the state of step S1, the CPU 94 determines that,
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 reader 42 reads the characters from the reading position of the payment slip P and sends the reading result to the CPU 94.

CPU 9 ='l is based on this reading result, and if the number of characters in the reading position is less than the specified number or more than the specified number, it is determined that the payment related information of this payment slip P is abnormal. 38 (No), this determination result is sent to the abnormal number memory 93 and stored as information on the number of abnormal transactions. At this time, the CPU 94 simultaneously recognizes the number of occurrences of abnormal transactions.

Such an operation occurs when even one character as payment-related information is unreadable in the reading result by the optical reading device 42, when the digit number 1~ of the character at the reading position △ is incorrect, or when the optical reading device 42 Of the characters recognized by the device 42, the two billing amounts at reading position A, the two payment deadlines at reading position B and G, and the two makeshift telephone numbers at reading positions C and E are subjected to matching. , and when it is determined that they do not match, the same process is performed.

Additionally, 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, in other words, if the user inserts a foreign object other than the payment slip P,
The same applies to the case of abnormality of P itself.

Then, the CPU 94 causes the entire device to continue operating as a normal state until the number of consecutive occurrences of the above transaction abnormality reaches 5 (No in S53), and returns the payment slip P at this time ( S9). On the other hand, when the number of consecutive occurrences of transaction abnormality reaches 5, the CPU 94 recognizes the number of consecutive occurrences as 5, and the value "5" is also stored in the abnormality number memory 93. The CPU 94 sends a command to stop the abnormality to each part of this device via the input/output interface 97. As a result, after this device returns the payment slip P (S54), it enters an abnormal state 1, after which it is left to the recovery process by the staff (S55).

On the other hand, the optical reading device 4 is detected by the reading state determining means 92.
If 2 is determined that a character at a reading position other than reading position A on the payment slip P is unrecognized (SIO), the CPU 94 indexes the necessary information from the station number-1-pull file 88 to identify the unrecognized character. (Sit).

In other words, the payment deadline and the make-up telephone number are recorded at the reading positions other than the reading position, that is, reading positions B, F, and reading position C2, and these cannot be read by the optical reading device 42. In this case, CP
U 9 /l is based on the user's phone number J 03-222-2000J read from reading position A, and the corresponding interval is phone number ``03234-1111'' and payment deadline (day and day only). ) By indexing each piece of information for "12th" from the area number table file 88, the telephone number [03-234-1111j] is first determined in time. Next, the payment deadline (88 area number table files) was indexed.
Dec. 12, 2013, is the payment deadline. That is, generally, the makeshift telephone number is uniformly determined based on the user's telephone number. Also, the payment deadline is fixed on the same day every month, and the date is determined by the user's phone number, and the payment deadline is determined by combining it with billing and monthly information. Therefore, by having each of the above-mentioned information as a table in the area number table file 88, 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, since it is not for machine processing, it is easy to read! When reading information from bad reading positions B, F, C, and F', if the information cannot be read, the station number table file 88 is read based on the information read from reading position A, which is for machine processing and has good reading conditions. The information that cannot be read is determined by indexing the necessary information.

Note that the process in step S10 is omitted, and the main control unit 8
It is also possible to index necessary information (inquiry telephone number and payment deadline) from the area number table file 88 based on the user's telephone number read from the reading position A.

If it is determined in step 310 that the characters at a reading position other than reading position A on the payment slip P can be recognized, or if the process in step S11 is reversed, the main control unit 81 determines that the payment transaction is based on one payment slip. 812)
, 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 d3" and a cancel key (S13). The user follows this guidance and inserts banknotes into the deposit slot 11.
Either insert a coin into the coin slot 8 or press the portion labeled "Cancel Key" (S14). Here, the CPU
94 determines that the cancel 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 initial state is returned (316).

In step S15, if the CPU 94 determines that banknotes and coins have been inserted, the banknotes are accepted by the banknote dispensing unit 82, and the coins are accepted by the coin dispensing unit 83 (S17).

When the CPU 94 determines whether to accept banknotes and coins,
The accepted payment slip P is placed on standby at the printing position of the printing mechanism 52 (318). When the acceptance of banknotes and coins is completed, the CPU 94 displays the message "Please confirm the deposited amount" on the display device 14, as well as displays the deposited amount, a cancellation key, and a confirmation key (319). The user presses the confirmation key according to this guidance (S20). When the CPU 9/l determines that the confirmation key has been pressed, the display device 14 displays the message "The computer is not currently processing, please wait for a while" (S21). Then, the CPU 94 sends and receives transaction messages between the host 1 and the computer 522.
), the results are printed by the journal printer 89, and the details are recorded in the transaction details file 87.
Image sensor 1no 43 to 1q of optical reader 42
The image information of the payment slip P to be received is recorded in the image information file 86 together with the reading result of information necessary for payment (S23)
. Further, the Cl) U 94 prints a receipt as shown in FIG. 10 on the payment slip P using the printing mechanism 52 (S
24).

When the printing of the receipt on the payment slip P is completed, the CPU 9
/l sends the payment slip P to the cutter device 65 and cuts it into a receipt Pi, a notice P2, and a copy P3, and makes a receipt P1.
and copy P3 are stored in the collection warehouse 70, and one notification letter 2 is stored in the first
It is stored in the accumulation section 74 (S25).

When the collection of this payment slip P is completed, the CPU 94
Record the paid information in 1-R. That is, by operating the sheet issuing mechanism 49, one receipt R is taken out and sent to the printing position of the printing mechanism 52, and transaction details as shown in FIG. 11 are written on the receipt R using the printing mechanism 52. At the same time as printing, the first recording unit 102A is operated as described above to record the paid information shown in FIG. 6(a) (526). Then, the main control unit 81 causes the display device 14 to display [Please receive cash register 1 ~] (527).
, Receipt:~R is discharged to transaction medium insertion slot 4 (32
8). The user receives the 1-nosies 1-R from the transaction medium insertion slot 4 in accordance with this guide (S29).

Next, the CPU 9/1 determines the transaction type (530), and if it determines that the transaction is a payment transaction based on one payment slip, it determines whether there is change (331). If it is determined that there is change, the CPU 94 displays the message "Please receive change" on the display device 14 and also displays the amount of change (
S32). At this time, the CPU 94 controls the banknote deposit section 82.
is activated to dispense change banknotes into the deposit slot 11, and the coin withdrawal section 83 is activated to discharge change coins into the change discharge port 8 (S33).

By discharging the change, the users receive the change from their respective receiving slots (S3/l), thereby completing the processing of the payment transaction using one payment slip.

Next, the operation of a payment transaction using multiple payment slips will be explained. The same steps S1 to 330 as described above are executed. However, in step S2, the user presses the part displayed as "multiple payment slips," and in step 317, 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 CPU 94 determines the transaction type,
If it is determined that the payment transaction is based on multiple payment slips,
It is determined whether the payment slip P is the first one in this payment transaction (S35). If it is determined that the payment slip P is the first one, the CPU 94 proceeds to step S4. With this process, in the case of a payment transaction using multiple payment slips, the first payment slip P
After the payment transaction for the second payment slip P is completed, the payment transaction for the second payment slip P is unconditionally proceeded to. Therefore, the user's operations can be simplified and facilitated.

In step 335, if it is determined that the payment slip P is not the first one, the CPU 94 displays on the display device 14, "Do you have any other payment slips? Please specify."
The other payment slip present key and end key are displayed (S36). Following this guidance, the user presses the part labeled "Other payment slip present key" or "End key" (337). Here, if the CPU 94 determines that the other payment slip present key has been pressed (338), the process proceeds to step S4, and if it determines that the end key has been pressed, the process proceeds to step S331. This process is performed every time the payment transaction for each payment slip P from the second payment slip P is completed, so when the payment transaction for the number of payment slips P desired by the user is completed, this payment slip It is possible to terminate processing of multiple payment transactions. Furthermore, step S
When a payment transaction using multiple payment slips is selected in Steps 1 to S2, by 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 335 or step 338 to step S
If the process proceeds to step 4, steps S4 to S11 are executed in the same manner as in the payment transaction using one payment slip. continue,
In step 312, the CPU 94 determines that it is the second or later payment slip P in a multiple payment slip transaction, and displays the reading results of each reading position of the payment slip P on the display device 14, and requests all payment slips P up to this time. Displays the total amount of nine banknotes and coins, and the available balance (change) at the same time, and also displays the message "Please confirm transaction details" as well as the confirmation key and cancellation key (339). . Following this guidance, the user presses the part labeled Confirm Key or Cancel Key (340).

Here, if the CPU 94 determines that the confirmation key has been pressed (
S41), proceed to step 321. In this case, since the user has deposited the total amount of transactions for all payment slips P for which the user wishes to make a payment transaction in step S17 when making a payment transaction for the first payment slip P, in the payment transaction for the second and subsequent payment slips P, step S
The deposit operations from 17 to S20 are unnecessary and can be omitted. This simplifies user operations and
This also leads to a reduction in processing time.

Furthermore, there may be a case where the billed amount of all payment slips P up to that point is greater than the amount of banknotes and coins deposited, that is, a cash shortage may occur. In this case, the CPIJ 94 displays the content on the display device 14 and also displays the insufficient amount. The user follows this guide and inserts banknotes and coins equal to or more than the insufficient amount. This means that if the user deposits an amount different from the total billed amount of all payment slips P in step 817 for the first payment slip, this process allows the user to continue making payment transactions.

In step S41, if the CPU 94 determines that the cancel key has been pressed, the process proceeds to step 316 and performs the same process as the payment transaction using one payment slip.

When the process advances from step S41 to step S21, the processes of steps S21 to S25 are executed in the same manner as the payment transaction using one payment slip. Subsequently, in step S26,
The CPU 94 uses the printing mechanism 52 to print on the receipt R the contents read from the payment slip P, the amount of cash deposited, the amount obtained by subtracting the combined amount of the previous billed amount from the deposited cash amount, and the change, etc. Similar steps 327 to 330 and 335 to 338 are executed. If the process advances from step S38 to step 331, the payment slip 1
The processing of steps S31 to 334 is executed in the same manner as the payment transaction using multiple payment slips, and the processing of the payment transaction using multiple payment slips is completed.

Next, the operation of a payment transaction using a reissue document will be explained. Execute the processes from steps s1 to 83 in the same manner as above, and
If the part that says "Reissue document" is pressed, the CPU
Step 94 proceeds to step 342, where the display device 1/I displays the message "Please enter the telephone number, billed amount, and payment deadline" as well as a numeric keypad and a correction key. The user manually enters the 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 entered here is the information written on the payment slip. There may be other items depending on the information.

CP (J94) not only displays the necessary information entered manually on the display device 14, but also displays the message [Please confirm the contents and press the button for confirmation] on the display device 14, and also displays the confirmation key, correction key, and cancel key. The user presses the confirmation key, correction key, or cancellation key according to this guide (S45).
. Here, if the CPU 94 determines that the correction key has been pressed (S/16), the process advances to step S42, and the processes of steps 342 to 345 are executed again. Also, CPU9=
If it is determined that the cancel key has been pressed (S47), the process advances to step S48 and returns to the initial state.

In step S47, if the CPU 94 determines that the confirmation key has been pressed, the display device 14 displays the message "Please enter a payment slip" (S49). Following this guidance, the user inserts a reissued payment slip P' as shown in FIG. 8 into the transaction medium insertion slot 4 (S50).

Thereby, the CPU 9/I 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 confirming that the information entered manually by the user matches the contents of the reissued payment slip P'. Then, the CPIJ94 displays the message 552, "Please insert cash" on the display device 14.
), proceed to step S14, and proceed to step 81 similar to the above.
4 to 83/l are executed, and the processing of the payment transaction based on the reissue note is completed.

The present invention is capable of various modifications of the embodiments described above.

For example, in the above embodiment, a case was explained in which the type of payment slip and the record in cashier 1 are matched when processing payment to a telephone office, but if the payment slip is made to a bank, , the second recording section may be operated by the control means to record the paid-in information to the cash register 1 to the bank.

Further, the types of transaction media include transaction media for telephone offices, banks for paying tax, and for paying fees such as entrance fees.

[Effects of the Invention] According to the present invention described in detail above, paid information according to the type of transaction medium can be recorded on the returned transaction medium, which makes it possible to diversify automatic transactions! We can provide automated transaction devices that can

[Brief explanation of the drawing]

Figures 1 (a> to (e)) are 7th day-1 to 7th days explaining the processing operations for telephone bill payment transactions, Figure 2 is a perspective view of the external appearance of the equipment, and Figure 3 is a front view of the display device. FIGS. 4 and 5 are diagrams illustrating the configuration of the transaction medium processing device, and FIG. 6(a) is a block diagram illustrating the overall configuration.
Figure 6(b) is a block diagram showing the configuration of the main parts of the apparatus according to the embodiment of the present invention, and Figure 6(C) is a seal diagram showing an example of a receipt stamp. Figure 6(d) is a seal impression showing the other side of the receipt stamp, Figure 7 is a diagram showing an example of the structure of a telephone interest payment slip, and Figure 8 is a diagram showing the structure of a reissued payment slip. FIG. 9 is a diagram for explaining the reading position on the payment slip, FIG. 10 is a diagram showing an example of printed receipt overlapping the payment slip, and FIG. 11 is a diagram for explaining the reading position on the payment slip. It is a diagram illustrating the state of printing and paid information recording on the receipt). P...Payment slip (transaction medium), R...Cash register-1~ (return transaction medium), 42... Optical reading device, 81...υ] control means, 100... payment information recording means. 1 (C) Fig.

Claims (1)

[Claims] Imports a transaction medium in which payment-related information related to the amount payment is recorded, reads the payment-related information from this transaction medium, executes payment transaction processing based on the reading result, and returns the transaction medium in which paid-in information is recorded. The automated transaction device for processing includes a type determination means for determining the type of transaction medium taken into the device, and a plurality of types of recording units for recording paid information on the returned transaction medium after completion of payment transaction processing for the transaction medium. Based on the determination result of the provided paid information recording means and the type determining means, a recording section corresponding to the type of transaction medium is selected from among the recording sections of the paid information recording means, and recording control on the returned transaction medium is performed. An automatic transaction device characterized in that it has a control means for controlling the transaction.