JPH0236986B2 - - Google Patents

Description

Detailed Description of the Invention The present invention is applicable to electricity, gas, water, NHK, etc.
The present invention relates to automatic transaction devices such as automatic teller machines that can automatically accept so-called public utility charges such as reception fees and various taxes.

In recent years, automatic teller machines that accept magnetic cards submitted by users with account information recorded on them and automatically dispense cash requested by users by communicating with a host computer, or magnetic stripes with account information recorded on them. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks with tags, and automatic teller machines that combine both of these functions, are becoming popular as automation equipment for bank tellers. It has developed rapidly and has been introduced by banks to provide quick services to their users.

Furthermore, in recent years, automatic teller machines have been developed that use CRT displays to transfer funds between accounts, and securities such as bills and checks are enclosed in deposit envelopes, which can be deposited for the time being. Automatic teller machines that can also accept cash are being developed.

These recent technological trends have gradually changed from simple deposit and withdrawal operations to cope with the introduction of a two-day weekend system at banks and the accompanying unmanned operation of counters on holidays to avoid degrading customer service. Business automation is progressing.

When the deposit service using envelopes is automated, the counter service that remains is the agency service for public charges (hereinafter simply referred to as public funds). What makes this public money agency service fundamentally different from conventional bank automation equipment is that the user may have no business relationship with the bank's head office or branch. This is because the systems that have been automated so far basically have an account at that bank, and therefore the host computer records the user's account information file, and the user also has a magnetic card, magnetic passbook, etc. By using a transaction medium containing personal account information, transactions are processed in real time online with a host computer through an automatic transaction device.

However, public funds are generated regardless of person, time, or place, and payment invoices are sent to each individual from where they are generated, and each individual must return the money to a designated bank (usually A book with about 10 lines,
Payment was made at a branch or post office counter, and a receipt stamped with a receipt stamp was issued in exchange. On the other hand, the main office, branch, or post office of the bank that handled this public money processed the payment by sending the received payment slip to the recipient's bank account and transferring the money to the recipient's bank account.

In this way, with public funds, there is no transaction medium such as a magnetic card, the invoice is a printed document, and the specified information such as the invoiced amount and payment deadline must be read by the staff in charge.The receipt stamp is an official seal and has this stamp. There are complications such as having to send a part of the payment invoice to the issuer and returning it with a stamp to the user, and due to the transition to a two-day work week, the machine has to be handled unmanned. Although there is a strong demand for this to be possible, the current situation is that it has not been possible to implement it mechanized.

The present invention has been made in view of the above circumstances, and its purpose is to directly and automatically read the amount and date recorded on public funds payment slips, and to make deposits or transactions by account transfer on the spot. An object of the present invention is to provide an automatic transaction device that can automatically accept public funds, etc., and can be implemented at low cost with a relatively simple configuration.

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows, for example, an automatic teller machine, in which a substantially L-shaped operating section 2 is formed on the front surface of a housing 1. As shown in FIG. A deposit slot 3 is provided on the horizontal surface of the operation unit 2, into which a large number of banknotes to be deposited (deposited) can be inserted at once, and this deposit slot 3 is provided with a door 4 that can be opened and closed. . Note that the door 4 above
is automatically opened at a predetermined deposit timing to enable the insertion of banknotes, and is manually closed by the user after the banknotes are inserted. Also,
On the horizontal surface of the operation unit 2, there is a numeric keypad for the user to enter a PIN number, amount of money, account number, etc.
5. Confirm and cancel buttons 6 used for user responses when requesting user approval or disapproval of a transaction; CRT display device 7; 10 buttons placed close to both sides of this display device 7; Function keys 8, 8, . . . are provided. The display device 7 displays operating procedures and other information on the CRT screen using illustrations, text, or text to guide the user. Further, this display device 7 displays words giving meaning to the function keys 8, . . . on its screen, and the functions of the function keys 8, . That is, for example, as shown in FIG. 2, in the initial standby state, the message ``I'm sorry, please press the button for the item you are handling'' is displayed. In this state, it is the transaction item selection step, so eight of the ten function keys 8, . . . arranged on both sides are given meaning as item selection keys, and the remaining two are not used. The contents and display are changed each time the machine operation or step status changes, and the functions of the function keys 8, . . . are also changed.

Further, on the vertical surface of the operation unit 2, there is a card insertion slot 9 for inserting a magnetic card as a transaction medium in which account information such as a pin number and account number is recorded, and a form for inserting a magnetic passbook or public money payment slip. An insertion slot (receiving port) 10, a change discharge port 11 for discharging change coins, a banknote discharge port (withdrawal port) 1 for discharging paid bills, returned bills, and transaction proof receipts.
2. An envelope insertion slot 13 is provided into which a deposit envelope 20, which will be described later, is inserted. Further, on the upper vertical surface of the operating section 2, there are provided an item display 14 for displaying available items by lighting lamps, a flag indicator 15 indicating whether the item is being handled or not, and a staff call button 16.

On the other hand, on the top surface of the housing 1, for example, 1 yen or
A change storage 17 is provided that stores five types of coins up to 100 yen, and a door protected by a key is attached to the front side for convenient replenishment of change coins. In addition, a change storage 17 is provided on the top surface of the housing 1.
An envelope storage box 18 is provided alongside the storage box 18, and inside the storage box 18 are cash envelopes 19, bills, checks, etc. that the user can take freely to store the cash received during payment transactions. A deposit envelope 20 with a special mark for depositing is stored.

The housing 1 houses a depositing device and a dispensing device, both not shown. The deposit device accepts the bills inserted into the deposit slot 3 one by one, inspects them, and determines the amount of money to be received. Bills are taken out one by one from the deposit box and delivered to the bill discharge port 12. Since these all use already known mechanisms, detailed explanation thereof will be omitted. Although not shown, an envelope handling device is provided in the housing 1 corresponding to the envelope insertion opening 13. This envelope handling device handles a deposited envelope 20 inserted into an envelope insertion slot 13.
The system accepts the envelope 20, optically reads the special mark printed on the envelope 20 to identify it, prints predetermined information on the printing area on the envelope 20, and takes it into the collection box. For example, it has a structure similar to that shown in Japanese Patent Application No. 171691/1983. Furthermore, although these are not shown, a card reader is installed in the housing 1 corresponding to the card insertion slot 9, and a coin in the change storage 17 is installed in the housing 1 corresponding to the change outlet 11. A change discharging device for discharging change is provided respectively.

FIG. 3 shows the deposit envelope 20 in detail. On its surface, there is a printing area 21 in which predetermined information is printed, a free writing field 22 in which the user writes in predetermined information, and an insertion direction for the user. A direction mark 23 to indicate the direction is provided. In addition, in a predetermined area on the back side, there is a special mark for the machine to detect and determine the direction of the envelope 20 and that it is a regular envelope.
For example, the optical bar mark 24 is printed in black. Thus, bills, checks, etc. can be accommodated, sealed, and inserted into the envelope insertion slot 13.

FIGS. 4a and 4b show a so-called magnetic bankbook 25 as another transaction medium according to the present invention. This bankbook 25 has a plurality of sheets 28 arranged in a booklet shape between a front cover 26 and a back cover 27. Each of these sheets 28 has a plurality of lines of printing columns 29 printed on its printing surface. And back cover 27
A magnetic stripe 31 is affixed to a predetermined portion of the bank, for example, in parallel with the binding section 30, and account information such as an account number and deposit balance is recorded on this magnetic stripe 31. Further, in the margin of each sheet 28, for example, in the margin located approximately above the date field, an optical bar mark 32 representing the page number is printed horizontally and in parallel in black.

FIG. 5 shows a public money payment slip 33 according to the present invention. In other words, the commonly used payment slips for public funds are Form A (receipt), Form B (transfer request form), and Form C.
It consists of four parts: a vote (transfer slip) and a vote D (transfer notification slip).These tickets A to D are connected in a horizontal line, and are separated by perforations between each ticket. I'm starting to be able to do it. By bringing the payment slip, which is made up of four parts, to the bank counter, you can easily check the payment deadline and amount.
After confirming the receipt, stamp the receipt at the reception desk (always include a date stamp), return slip A to the user as a receipt, send slip D to the issuer, and keep slips B and C at the bank. I will do it. The current four-page payment slip is too large to be handled as is in an automatic deposit machine, it is difficult to stamp the receipt date, and it is difficult to transport because it is spread over multiple locations. It is. The payment deadline and amount columns are separated, and reading them optically requires a wide field of view, making it difficult. Therefore, instead of the current payment slip, we have devised a new payment slip 33 that is compatible with an automatic deposit machine as shown in FIG. 5, for example. This payment slip 33 has a width of about 170 mm and a length of about 220 mm, for example, which corresponds to the maximum dimensions of a current bankbook (with the pages opened). As is clear from the figure, this payment slip 33 is an improved version of the current payment slip so that it is easier to read by machine.
d is in the positional relationship as shown (that is, there is D vote 3 above)
3d are connected to each other by an A sheet 33a arranged below, and B and C sheets 33b and 33c arranged horizontally between them, and cut through a perforation 34 provided between each sheet. A to D votes 33a to 33d
It is now possible to separate them separately. Here,
35 is a unique mark displayed by, for example, an optical bar mark, which indicates the subscriber code (subscriber's account number) of this payment slip 33 and a long/short binary code indicating that it is a regular payment slip. It is printed vertically and in parallel in black in the margin located at the top of the D slip 33d. In this case, the bar mark 35 is positioned so as to correspond to the position of the bar mark 32 on the bankbook 25. Also, 36 is the amount column of D form 33d,
37 is the amount column of the B form 33b, 38 is the amount column of the A form 33a, 39 is the payment deadline column, and 40 is the amount column of the C form 33c. Therefore, this payment slip 33 is inserted into the form insertion slot 1 in the direction of the arrow shown, with the D slip 33d at the beginning.
It is designed to be inserted into 0. Note that this payment slip 33 indicates, for example, a payment slip for electricity charges.

FIG. 6 shows a form handling device 41, which accepts the passbook 25 or payment slip 33 inserted into the form insertion slot 10 in FIG. 1, and performs predetermined processing on them. It is provided at a location corresponding to the form insertion slot 10 in the housing 1 in FIG. That is, a form insertion slot 10 is communicated with the front surface of the main body 42, and this insertion slot 10
There is an inserted passbook 25 or payment slip 3 near the
A detector 43 is provided to optically detect 3. A conveyance path 44 is provided in a substantially horizontal state from the detector 43 toward the rear of the main body 42 . This conveyance path 44 is composed of drive rollers 45, ..., pinch rollers 46, ..., which roll in contact with these rollers 45, ..., guide bodies 47, ..., etc., and is driven by a pulse motor 48 via a belt. Driven. Note that only the drive roller 45 located at the end of the conveyance path 44 is driven by a pulse motor 49 different from the motor 48 described above. A magnetic head 50 serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 50 is used to read or record information on the magnetic stripe 31 of the accepted passbook 25, and comes into contact with the magnetic stripe 31 as necessary and moves along the magnetic stripe 31 (passbook 25). 25 transport direction and orthogonal direction)
It is designed to read or record by moving. Further, a light source 51 is provided on the middle part of the conveyance path 44 to irradiate light onto a predetermined area on the passbook 25 or payment slip 33 being conveyed. The reflected light is reflected by a reflection mirror 52, and the CCD image sensor 5 as a photoelectric converter
It's starting to lead to 3. The image sensor 53 is, for example, a self-scanning surface array formed by arranging a large number of solid-state image sensors on a plane.
The scanning direction is perpendicular to the conveyance direction of the conveyance path 44. Here, the light source 51, mirror 52, and image sensor 53 constitute a photoelectric conversion section of an optical reading device, which will be described later.

Further, a platen roller 54 is rotatably supported in front of the light source 51 on the conveyance path 44 . An electromagnetic brake 55 as a locking mechanism is connected to this platen roller 54. Due to the action of this electromagnetic brake 55, it is locked while handling the bankbook 25 or payment slip 33, and rotates when printing journal paper 59, which will be described later. It has become possible to do so freely. A printing head 56 is provided above the platen roller 54. This print head 5
6 is held by a carriage 57, which is guided by a slide rod 58 and moved in the axial direction of the platen roller 54. Here, the platen roller 54, printing head 56, etc. constitute a printing device that prints predetermined information on the bankbook 25 or payment slip 33. A roll of journal paper 59 is wound around the platen roller 54 . This journal paper 59 is wound and held on a delivery shaft 60, and is taken up on a take-up shaft 61 via a platen roller 54.
and the vinyl roller 63. The winding shaft 61 and the feed roller 62 are driven by a pulse motor 64 via a belt. Also,
A detector 65 is provided in front of the platen roller 54 on the conveyance path 44 to optically detect the passbook 25 or payment slip 33 being conveyed. Furthermore, a cutter 66 as a cutting device is provided at the end of the conveyance path 44 in front of the drive roller 45. This cutter 66 is the payment slip 3 that has been conveyed.
3 at a predetermined location, and is driven by an electromagnetic magnet 67. moreover,
Near the end of the conveyance path 44, there is a collection box 68 for storing the conveyed passbooks 25 or payment slips 33.
is provided.

FIG. 7 shows an optical reader, which mainly reads the bar marks on the bankbook 25 or payment slip 33 received by the form handling device 41 in FIG. It performs reading, and is configured as follows, for example. That is, the output signal of the image sensor 53 in FIG.
The signal is supplied to the digital converter 73 via the side, where it is converted into quantized information. This digitally converted quantized information is supplied to the data storage section 75 via the digital processing section 74, where it is temporarily stored as a two-dimensional pattern. This data storage section 7
The contents of 5 are supplied to the comparison/determination section 76, where the contents of the standard pattern in the pattern storage section 77 (numerical value 0 to
9), the read character is determined. This comparison/determination section 76 includes a main control section 78.
is connected to the main control section 78, and a data storage section 79 is connected to the main control section 78. The main control section 78 performs controls such as comparing the discrimination result of the comparison discrimination section 76 with data in the data storage section 79 or storing the discrimination result in the data storage section 79.
Further, the data storage unit 79 stores the determination result or data sent from a control unit (not shown) of the automatic deposit machine.Furthermore, the main control unit 78 It also controls displaying the discrimination results in the data storage section 79 or the patterns in the data storage section 75 on the CRT display device 7 in FIG. 1, and controls the entire reading device.

Further, the output of the analog processing section 71 is supplied to the mark detection and discrimination section 80. This mark detection/discrimination unit 80 detects the bar mark 32 of the passbook 25 received by the form handling device 41 based on the output signal of the image sensor 53 supplied via the analog processing unit 71.
Or detect the bar mark 35 on the payment slip 33,
By determining the detected mark, it is determined whether the accepted transaction medium is the passbook 25 or the payment slip 33, and when it is determined that the transaction medium is the passbook 25, the changeover switch 72 is closed to side b and the payment is made. 33 votes
When it is determined that this is the case, the changeover switch 72 is closed to the a side. Note that the mark discrimination method described above is, for example, by electrically creating a vertical or horizontal projection mask of the detected mark.
A conceivable method is to determine the direction in which the detected mark exists, and determine that the bankbook 25 is present when the mark is present in the horizontal direction, and determined to be the payment slip 33 when the mark is present in the vertical direction. In addition, when the mark detection and discrimination unit 80 determines that the accepted transaction medium is the payment slip 33, it decodes the detected mark and confirms that it is a legitimate payment slip that can be handled and that it has the correct account number. It also determines whether it represents something.

Further, the output signal of the image sensor 53 is also used for controlling the designation of the print position, which will be described below. That is, the output signal of the image sensor 53 subjected to analog processing by the analog processing section 71 is supplied to the print position designation control section 81 via the b side of the changeover switch 72. This print position designation control unit 81 is for controlling the designation of the print position for the accepted passbook 25 in the form handling device 41 shown in FIG.
It has a circuit configuration similar to that shown in No. 54-59832. That is, to roughly explain the method, while conveying the accepted bankbook 25, the printed surface is scanned in the row direction by the image sensor 53 and photoelectrically converted, and each scan is performed using the photoelectrically converted signal for each scanning line. The presence or absence of printing is detected for each line, the presence or absence of printing is determined by counting the number of scanning lines in which printing is detected, and the printing position is determined and specified based on the determination result.

Next, the operation in such a configuration will be explained. In the initial user standby state, the display device 7 displays the message ``I'm sorry, please press the button for the item you are handling'' and the message ``Please press the button for the item you are handling.'' as shown in Figure 2. Possible handling items are "Payment", "Envelope deposit", "Deposit", "Public money payment", "
In addition to displaying ``Record'', ``Inquiry'', ``Transfer'', and ``Payment'', a flashing triangular mark will be displayed corresponding to each handling item to remind users to be careful. It's summery. Therefore, the user can select and specify a deposit transaction by pressing the function key 8, which is placed in correspondence with the area labeled "Deposit", for example. In this way, the user first selects and specifies a desired transaction item, and by making this selection specification, a transaction operation for the specified item is started. First, regarding the operations of normal deposit/withdrawal (deposit, payment) transactions, passbook entry, and balance inquiry transactions, these are already well-known operations, so the flow of each processing operation is as follows. A chart is shown in FIG. 8, and detailed explanation will be omitted.

Further, processing operations for envelope deposit transactions are sequentially executed according to the flowchart shown in FIG. In this transaction, securities such as bills or checks are enclosed in a deposit envelope 20 shown in FIG. 3, and the securities are received by temporarily depositing the securities. That is, first, the user takes out the deposit envelope 20 from the storage box 18 on the housing 1, fills in the necessary information in the free writing field 22, and, in the case of a check, for example, stores it and seals it. Next, by selecting and specifying the transaction item "envelope deposit" as described above, the display device 7 displays a guide to insert a magnetic card. Therefore, when the user inserts his/her own magnetic card into the insertion slot 9, the display device 7 displays a guide to insert the total amount of the check. Here, by the user inputting the total amount using the numeric keypad 5,
The display device 7 displays the total amount, and if the amount is correct, the user is prompted to press the confirm button, and if the amount is incorrect, the user is prompted to press the cancel button. Here, when the user presses the confirmation button 6 in FIG.
A shutter (not shown) provided in the envelope insertion slot 13 opens, and the display device 7 displays a guide to insert the envelope in the correct state. When the user inserts the deposit envelope 20 containing the check into the insertion slot 13, the envelope handling device starts operating and the shutter closes. When the envelope handling device operates, the inserted envelope 20 is received,
The bar mark 24 is optically read and identified during the transport while being transported to a collection box.
As a result of this determination, if the bar mark 24 cannot be read or the envelope cannot be determined to be a legitimate envelope, the received envelope 20 is returned to its insertion slot 13 by reversing the transport path.

On the other hand, if it is determined that the envelope is a legitimate envelope, then the total amount and other necessary information are printed in the printing area 21 of the envelope 20, and the envelope is taken into a collection box. At this time, the display device 7 displays, for example, a guidance message such as "The current deposit will be recorded in the ledger as a temporary deposit, but the withdrawal will be made the day after tomorrow. Please wait for a while."
Then, by communicating online with the host computer, the automated teller machine performs provisional deposit processing for the corresponding account, issues a receipt for the transaction, and discharges it to the bill dispensing port 12. . In this way, in an envelope deposit transaction, a user who has a business relationship with a financial institution inserts a magnetic card containing the user's account information in advance, and then inserts an envelope 20 containing securities. The user is asked to insert the total amount to be printed on the envelope 20, but this amount is only for printing on the envelope 20, and if it is found by opening the envelope after closing by the staff that it is different from the amount of the securities deposited, ,
Of course, the amount of the securities will be used for processing, and as long as the actual securities exist, there will be no trouble with the users later on.

Next, the processing operation of the automatic public money acceptance transaction, which is a feature of the present invention, will be explained. First, in order to understand why the automatic public funds acceptance transaction of the present invention was devised, I will explain its background. It is conceivable to apply the above-mentioned envelope deposit transaction to automatic public funds acceptance transaction. The flowchart in this case is shown in FIG. 10, and it can be seen that the flowchart in FIG. 9 is applied. In this case, a public money payment slip and cash corresponding to the amount will be enclosed in the deposit envelope. However, in general, with public funds, the user may not have any transactions with the financial institution, so as shown in Figure 10, there is no insertion of a magnetic card, no online sending and receiving, and the deposit envelope is accepted. The user will be asked to insert the amount to be printed on the card, a deposit receipt will be issued, and the card will be discharged. In this case, the first problems that arise are if the payment deadline has expired, if the payment is made by a financial institution other than the designated handling institution, if the payment amount is different from the amount paid in cash, and if a receipt is sent. Regarding the above, the handling financial institution must return the envelope entrusted to the user, but the payment deadline may have passed during that time, or the cash may have been deposited but there is no evidence.
In any case, problems with users are inevitable, and it is unreasonable to accept public funds in envelopes.

Therefore, in the present invention, a new payment slip 33 as shown in FIG. and receipts are automatically issued.

The details will be explained below with reference to the flowchart shown in FIG. First, the user selects and specifies the transaction type "Public money payment" as described above, and the display device 7 prompts the user to insert a payment slip as the transaction medium. Therefore,
When the user inserts the payment slip 33 he/she has brought into the insertion slot 10 in the prescribed direction (the direction of the arrow in FIG. 5), the form handling device 41 starts operating. That is, when the payment slip 33 is inserted and the detector 43 detects its tip, the motor 48 is operated to drive the conveyance path 44, whereby the payment slip 33 is received and conveyed inside. During this conveyance, first, the bar mark 35 on the payment slip 33
is read by the image sensor 53. That is, for example, when a detection means (not shown) detects that the tip of the conveyed payment slip 33 has reached the reading start point of the image sensor 53, the image sensor 53 starts self-scanning. The bar mark 35 at the tip of the bar mark 35 is read and scanned. Image sensor 53 by this scanning
The output signal is supplied to the mark detection and discrimination section 80 via the analog processing section 71, where the detection and discrimination of the bar mark 35 just read is performed as described above. As a result, if the bar mark 35 can be detected and determined, the transaction medium that has just been accepted is the payment slip 33, so the changeover switch 72 is closed to side a, and then the detected bar mark 35 is is decoded to determine whether it represents a valid payment slip that can be handled and a correct account number. This mark detection determination is performed until the rear end of the payment slip 33 finishes passing the detector 43. When the detector 43 detects that the rear end of the payment slip 33 has finished passing, the motor 8 is stopped and the payment slip is removed. 33 is temporarily stopped. However, if the bar mark 35 cannot be detected or cannot be determined as a result of the above mark detection/judgment (NG), it is determined that, for example, a non-standard medium has been inserted, and the conveyance path 44 is reversed. , return the accepted payment slip 33 to its insertion slot 10, and display a guide to that effect on the display device 7.

On the other hand, as a result of the above mark discrimination, bar mark 35
If it is determined that the is a legitimate payment slip and a correct account number (OK), the determined account number is stored in the control unit of the automated teller machine (not shown) and , the payment slip 33 is conveyed by operating the motor 48 again, and then each amount column and payment deadline column on the payment slip 33, that is, the amount column 36 of the D slip 33d, the amount column 37 of the B column 33b, and the A The amount field 38 and the payment deadline field 39 of the form 33a are sequentially read by the image sensor 53. That is, for example, by sequentially specifying each of the columns 36 to 39 using a reading column specifying means (not shown) (for example, the main control section 78),
Each column 36 obtained from the output of the image sensor 53
The numerical information of 39 to 39 is sequentially subjected to analog processing by the analog processing section 71, and is sequentially stored in the data storage section 75 as quantized information which is digitally converted by the digital conversion section 73 and the digital processing section 74. thus,
When the reading scan up to the payment deadline field 39 is completed, the conveyance of the payment slip 33 is temporarily stopped again, and the payment deadline data of the slip A 33a is first read from the data storage section 75 to the comparison/discrimination section 76, whereby the pattern storage section 77 A comparison is made with the standard pattern "0". If a match is not obtained in this comparison, then comparison and comparison with the standard pattern "1" are performed sequentially up to the standard pattern "9" to determine the numerical value. By performing this process for each digit, the date of the payment deadline can be determined.

Next, after determining the payment deadline date, the main control unit 78 checks the date. That is,
The data storage unit 79 stores the date data of the current day, which is supplied from a host computer (not shown) via the control unit of the automatic deposit machine, for example. Therefore, when the determination of the payment deadline is completed, the main control unit 78 compares the date data with the date data in the data storage unit 79 to
Check whether the payment deadline has passed (that is, whether the payment deadline date is greater than the current date). As a result of this check, if the payment deadline has passed, that is, if the payment deadline date is greater than the current date (NG), the accepted payment slip 33 is returned and this fact is displayed on the display device 7. This is because there are various forms, such as those that cannot be received after the payment deadline, and those that can be received but with a premium charge, so it is better not to process them mechanically. In addition,
Of course, the payment slip 33 can be returned even if the payment deadline cannot be determined.

On the other hand, as a result of the above check, if the payment deadline has not passed, that is, if the payment deadline date is smaller than the current date (OK), then D slip 33d, B
By sequentially reading each amount data of the form 33b and A form 33a from the data storage section 75, the comparing and determining section 76 compares and checks each amount data with a standard pattern, similarly to the case of the above-mentioned payment deadline data, and discriminates each amount data. As a result of this determination, if all three amount data can be determined, the main control section 78 first checks whether all three amount data match by collating each amount data. As a result of this check, if the three amount data match (OK), the main control unit 78 supplies the determined amount data to the display device 7 to display the payment amount on the screen, and Obtain confirmation from the user regarding the amount. Also, as a result of the above check,
If the three amount data do not match, the main control section 78 next checks whether at least two of the three amount data match.
As a result of this check, if the two amount data match (OK), the main control unit 78 supplies the matching amount data to the display device 7, and
By calling the matching amount data and corresponding quantized character information from the data storage section 75 and supplying them to the display device 7, both are displayed on the same screen,
Obtain user confirmation. Furthermore, in determining the amount data, if all three amount data could not be determined but at least two amount data could be determined, the main control unit 78 determines whether the two determined amount data match. Check whether or not. As a result of this check, if the two amount data match (OK), the main control unit 78 supplies the matched amount data to the display device 7, and also provides quantized character information corresponding to the matched amount data. By calling from the data storage unit 75 and supplying it to the display device 7, both are displayed on the same screen and the user's confirmation is obtained. This is because, taking into account the reading accuracy of the machine, dirt on the printing, etc., as long as at least two amounts of money data match, it is safe to use this data as discrimination data for the machine. On the other hand, as a result of the above check,
If at least two amount data do not match, or if at least two amount data cannot be determined as a result of the above determination (NG),
The payment slip 33 accepted as unreliable in reading is returned, and a display device 7 displays this fact.
In this case, it is unavoidable that the machine does not accept input from a keyboard like a normal character reading device because the machine handles cash. As mentioned above, when displaying the amount to be paid on the display device 7, at the same time there is a message asking the user to confirm the amount, for example, if the amount is correct, press the confirm button, if incorrect, press the cancel button. The guide is displayed to make it easier for the user to operate.

When the user presses the confirmation button 6, the display device 7 again displays the meaning of the function keys 8, . . . as shown in FIG. If you want to make a payment by transfer from your account, please press the transfer button.'' and prompt the user to select whether to pay by deposit or by transfer from their own account. do. Generally speaking, in the case of public funds, not all people have a transaction account at the financial institution where the machine is located, so some people need to make a deposit, but there are also people who have an account at that financial institution. This is because, in this case, there is no need for this person to make a separate deposit; all they have to do is transfer the money from their own account.

Now, when the user presses the function key 8 corresponding to the part displayed as "Deposit" and selects deposit, the display device 7 will show, for example, that this machine has 1000
Since you can only deposit in banknotes up to 1,000 yen, you will be prompted to round up the fraction to the nearest 1,000 yen. That is, for example, in the case of the payment slip 33 shown in Figure 5, it is known that the electricity bill is 1,433 yen, but the display device 7 displays, for example, "The electricity bill is 1,433 yen. Please deposit 2,000 yen. 567 yen. ``Change will be given.'' is displayed, and the door 4 of the deposit slot 3 is opened to wait for banknotes to be inserted. Here, when the user inserts banknotes and closes the door 4, the display device 7 displays a guide to the effect that the banknotes are being counted, and the depositing device operates to accept the banknotes, inspect them, and count them. I do. When this counting is completed, the display device 7 displays a message saying, for example, ``We have just received 2,000 yen.If you agree, please press the confirmation button.If you have made a mistake, please press the cancel button.''
Here, if the user presses the confirmation button 6, the payment process begins, but if the user presses the cancel button 6, the depositing device performs a banknote return operation, discharges the accepted banknotes to the banknote dispensing port 12, and sends a form. The handling device 41 also performs a return operation, returns the accepted payment slip 33, and the transaction is canceled. Also, the input amount is 1000
If the amount is more than yen or more than the requested amount, only the necessary amount is taken in and the excess is returned to the bill dispensing port 12. On the other hand, if the deposited amount is small, an additional deposit is requested and the door 4 of the deposit slot 3 is opened again.

On the other hand, when the user selects transfer by pressing the function key 8 corresponding to the portion displayed as "transfer", the display device 7 displays a guide to insert a magnetic card. Here, when the user inserts his/her own magnetic card into the insertion slot 9, the card reading device accepts the card, reads account information such as a PIN number from the card, and the display device 7 inputs the PIN number. A message will be displayed to remind you to do so.
Here, when the user inputs his/her personal identification number using the numeric keypad 5, the identification number is checked against the identification number read from the card, and if the two numbers match, the display device 7 confirms the payment amount again. Display the desired wording. Here, the user clicks the confirmation button 6
When you press , the display device 7 displays a message indicating that it is communicating with the host computer, and the automatic teller machine communicates online with the host computer to transfer the payment slip from the account of the inserted magnetic card. 33 (the paid amount displayed on the display device 7). When this online communication is completed, the display device 7 displays a guide to remove the magnetic card, and the card reading device ejects the accepted magnetic card to the insertion slot 9.

In this way, when preparations for payment are completed in either case of deposit or account transfer, the next step is to print the date and receipt stamp on the payment slip 33. Normally, the receipt stamp is manually affixed with a stamp in the reception office date stamp column of the payment slip, but when this is done by machine printing, a stamp is prepared and the stamp is mechanically affixed in the same way as manual stamping. 3. Printing an image using very fine dot pins like a kanji dot printer, 3. Printing the branch name, branch number, date, etc. of the financial institution in normal text.
There are two possible methods. Although this method is primitive, it is difficult to forge seal impressions and is effective in preventing misuse. However, at normal financial institutions, the lobby closes at 3:00 p.m., and public funds can only be accepted on the same day until 3:00 p.m., but automatic deposit machines operate until 6:00 p.m., so from 3:00 p.m. A message will be displayed stating that the transaction will be processed the next day for the next three hours, and the transaction will be processed with the user's approval. Although this is convenient for the user, it is not very desirable from the point of view of automatic machine operation, since the date on the date stamp must be corrected the next day, and it is possible that the user may forget it. This method is feasible, and in practice, printing images of stamps has been attempted using special applications such as word processors, but it requires a large amount of memory, is slow, and is not completely secure against forgery. There are drawbacks such as: Although this method is simple and can be implemented most quickly and at the lowest cost, it does not provide any protection against counterfeiting and is therefore uneasy.

Therefore, in the present invention, if we use a basic method to encode the three things, the date of receipt, handling branch code, and payment amount, and print them encrypted below the date stamp, if an unauthorized user Even if the company insists that it is a receipt with Form A printed on a different printer,
If this code substitution method is not made public, it will be easy to see that it is a lie. Also, if the date stamp font itself has a special shape, it will look like public money itself.
Since the user's address is well known, there is little chance that someone will misuse it.
The printing process will be explained below. When the confirmation button 6 is pressed to confirm the amount in the case of deposit, or when online communication ends in the case of account transfer, the form handling device 41 starts conveying the payment slip 33 again. And, of the payment slips 33, D slip 33d, C slip 33c, B slip 33b, A slip 33
The date stamp field 90 of each reception station in a is sequentially printed at the printing position, that is, the platen roller 54 and the printing head 56.
By driving the print head 56, predetermined information as described above is displayed in each column 90, . A branch name 91, a branch number 92, a date 93, and code information 94 of the reception date, handling branch code, and payment amount are printed.

In this way, after printing on each of the A to D slips 33a to 33d is completed, the payment slip 33 is conveyed further to the back. When the rear end of the payment slip 33 finishes passing through the detector 65 during this conveyance, the conveyance of the payment slip 33 is temporarily stopped again by the detection signal, and the cutter 66 operates, so that the payment slip 33 is A vote 3
It is cut at a perforation 34 between 3a and B and C slips 33b and 33c. When this cutting is completed, the drive roller 45 driven by the motor 49 is rotated clockwise, and the drive roller 4 driven by the motor 48 is rotated clockwise.
5. Rotate to the left. As a result, payment slip 33
is separated from the cut point, D, B, C slip 33
d, 33b, and 33c are taken into the collection box 68 as one body, and the A slip 33a as a receipt is discharged to the payment slip insertion slot 10. At this time, the change discharge device operates at the same time, and 567
Dispense yen worth of coins as change. When this discharging of change is completed, the display device 7 displays the A form 33a (receipt).
and displays instructions to receive change. Therefore, the user inserts the A form 33a from the form insertion slot 10.
By receiving change coins from the change outlet 11, all public money payment transactions are completed.

The operation of the form handling device 41 during a normal deposit transaction or entry into a bankbook is substantially the same as in the prior art, so a brief explanation will be provided below.
The user opens his/her bankbook 25 to a specified page and inserts it into the insertion slot 1 in the specified direction (direction of the arrow in Fig. 4).
0, the form handling device 41 starts operating. That is, the passbook 25 is inserted,
When the detector 43 detects the tip, the conveyance path 44 operates in the same manner as in the case of the payment slip 33 described above, and the passbook 25 is received inside and conveyed, and the bar mark 32 is read during this conveyance. That is, when it is detected that the leading end of the bankbook 25 has reached the reading start point of the image sensor 53, the image sensor 53 reads and scans the bar mark 32 at the leading end of the bankbook 25. The output signal of the image sensor 53 resulting from this scanning is supplied to the mark detection and discrimination section 80 via the analog processing section 71.
Detection and determination of the read bar mark 32 is performed in the same manner as in the case of the payment slip 33 described above. As a result, if the bar mark 32 cannot be detected and determined (NG), the accepted bankbook 25 is returned to its insertion slot 10 in the same manner as in the case of the payment slip 33 described above. On the other hand, if the bar mark 32 can be detected and determined,
Since the transaction medium that has just been accepted is the passbook 25, the changeover switch 72 is closed to the b side. Note that this mark detection determination is performed until the rear end of the passbook 25 finishes passing the detector 43, as in the case of the payment slip 33, and when the detector 43 detects that the rear end of the passbook 25 has finished passing, Conveyance of the passbook 25 is temporarily stopped by the detection signal. At this time, the bankbook 25 stops with its magnetic stripe 31 facing the magnetic head 50.

When the passbook 25 stops, the magnetic head 50 rises and comes into contact with the magnetic stripe 31 of the passbook 25, and moves along the magnetic stripe 31 in this state, allowing the account information recorded on the magnetic stripe 31 to be read. is read. At this time, if the contents of the magnetic stripe 31 cannot be read (NG), the accepted passbook 25 is ejected into the insertion slot 10 by reversing the motor 48 as unreadable. On the other hand, if it can be read normally (OK), the conveyance of the passbook 25 is started again in order to specify the print position on the passbook 25, and the vicinity of the bar mark 32 on the printing surface, that is, the date column part is scanned by the image sensor 5. to read and scan. This reading scan is performed while the bankbook 25 is being conveyed. Since the changeover switch 72 is closed to the b side at this time, the output signal of the image sensor 53 due to this scanning is transmitted to the print position designation control unit 81 via the analog processing unit 71.
supplied to The print position designation control section 81 determines the print position by performing the operations described above, transports the passbook 25 until the determined print position corresponds to the print head 56, and then stops the passbook 25.
As a result, the line following the last printed line corresponds to the print head 56. After this, online communication with the host computer takes place, and the bankbook 2
5, the motor 48 rotates in reverse, and the passbook 25 is ejected into the insertion slot 10.

With the configuration described above, it is possible to accept public funds payment slips and directly read the amount and date.
Transactions can be made on the spot by deposit or account transfer. Therefore, it becomes possible to automatically accept public funds using an automatic deposit machine, which is extremely convenient. In addition, there is an insertion slot for accepting payment slips, a transport mechanism for transporting payment slips, a photoelectric conversion section for reading the amount of the payment slip, an analog processing section for processing the output of the photoelectric conversion section, and a printer for printing a predetermined mark on the payment slip. The equipment, collection boxes for storing payment slips, etc. all have the same structure as those used for handling passbooks, so
It simplifies the configuration and prevents it from becoming too large.
It can be manufactured at low cost. Furthermore, the additional functions needed to handle payment slips, such as a circuit for reading and determining the amount on the payment slip and a cutting device for cutting the payment slip, are minimal, so it is different from ordinary automatic teller machines. At almost the same price, bank tellers can be made almost completely unmanned. Therefore, various effects can be expected, such as, for example, not only will it be extremely easy to introduce a two-day work week in financial institutions, but also the service to customers will be further improved without degrading it.

In the above embodiment, the payment slip is divided into four parts, but this may be omitted and the payment slip may be divided into two parts. Further, if the amount on the payment slip cannot be read and determined, the payment slip is returned and cannot be handled, but it is also possible to automatically switch to depositing by, for example, an envelope deposit transaction. In this case, the quantized character information of the amount that could not be read and determined is displayed on the display device, and the amount is manually input using the numeric keypad.
Also, when cutting and storing the payment slip, the B, C, and D bills do not have to be all at the same time; by cutting them again, they are divided into the B and C bills to be kept at the financial institution and the D ticket to be sent to the issuer. However, they may be stored separately.

Furthermore, in the above embodiment, a case was described in which a passbook is determined by detecting and determining the bar mark representing the number of pages of the passbook. This may be done by detecting and determining whether or not there is a mark. Similarly, in the case of a payment slip, a dedicated and unique mark may be added separately, and the determination may be made by detecting and identifying this unique mark.

As described in detail above, according to the present invention, for example, it is possible to accept a payment slip of public funds, directly and automatically read the amount and date recorded therein, and make a transaction by depositing or transferring money on the spot. It becomes possible to automatically accept public funds, etc.
Moreover, it is possible to provide an automatic transaction device that can be expected to have various effects, such as being able to be implemented at low cost with a relatively simple configuration.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention. Fig. 1 is a perspective view showing the overall appearance, Fig. 2 is a drawing showing an example of displaying meanings of function keys by a display device, and Fig. 3 is a diagram showing an example of displaying meanings of function keys. 4 is a perspective view of a bankbook, FIG. 5 is a plan view of an example of a payment slip, FIG. 6 is a side view of the internal mechanism of the form handling device, and FIG. is a block diagram showing the general configuration of the reading device, Figure 8 is a flowchart of normal deposit/withdrawal transactions, passbook entry, and balance inquiry transactions, Figure 9 is a flowchart of envelope deposit transactions, and Figure 10 is a flow chart of envelope deposit transactions. FIG. 11 is a flowchart of an automatic public money acceptance transaction according to the present invention. 3...Deposit port, 5...Numeric keypad, 6...Confirm/cancel button, 7...Display device, 8...Function key,
9... Card insertion slot, 10... Form insertion slot (acceptance slot),
12...Banknote discharge slot, 25...Bank passbook, 32...Bar mark, 33...Payment slip, 35...Bar mark, 36
~38... Amount column, 39... Payment deadline column, 41... Form handling device, 44... Conveyance path, 51... Light source, 53... Image sensor, 54... Platen roller, 56... Print head, 71... Analog processing section, 72... Changeover switch, 73... Digital conversion section, 75... Data storage section, 76... Comparison discrimination section, 77... Pattern storage section, 78... Main control section, 80... Mark detection discrimination section,
81...Print position designation control unit.

Claims (1)

[Scope of Claims] 1. In an automatic transaction device that uses at least a passbook as a transaction medium and automatically performs a predetermined transaction corresponding to a transaction type selected by a user's operation, the passbook inserted by the user and A receiving port that accepts forms; a transport mechanism that transports the bankbooks and forms received at this receiving port; and a transport mechanism that optically scans the printing surface of the bankbook and the surface of the form transported by this transport mechanism and converts it into an electrical signal. a photoelectric conversion section; a mark detection/discrimination means for detecting and discriminating a unique mark given on the printed surface of the passbook and the front surface of the form based on the output of the photoelectric conversion section; a reading discrimination means for reading and discriminating the transaction information; a print position designation control section for detecting the presence or absence of printing on the printing surface of the bankbook based on the output of the photoelectric conversion section and specifying the printing position on the printing surface; and the mark. a switching means that operates according to the determination result of the detection and determination means and selectively supplies the output of the photoelectric conversion section to the reading and determination means or the print position designation control section; a printing device that prints a predetermined mark at a position; a display device that visually displays the transaction information determined by the reading and determining means; and a display device that visually displays the transaction information determined by the reading and determining means; An automatic transaction device characterized in that it is equipped with a control means for controlling the transaction. 2. An acceptance port that accepts forms inserted by the user, a transport mechanism that transports the forms received at this reception port, and a mark that indicates that the forms are genuine and transaction information from the forms that are transported by this transport mechanism. a reading device that reads the mark; a mark determining means that determines whether the mark is a legitimate mark based on the information read by the reading device; a transaction information determining device that determines transaction information based on the information read by the reading device; When accepting the inserted form, the information read by the reading device is supplied to the mark discriminating means, and when the mark is determined to be a regular mark by the mark discriminating means, the information read by the reading device is supplied to the transaction information discriminating means. An automatic transaction device characterized by comprising: information switching means for switching and supplying information.