JPH1196437A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic teller machine capable of restoring rewritable information recorded in a bankbook by a simple procedure. SOLUTION: This automatic teller machine is provided with a bankbook traveling part 32 for fetching the bankbook used in a transaction, a bankbook information read part 32b for reading the rewritable information recorded in the recording part of the bankbook fetched by the bankbook traveling part 32 and a bankbook information recording part 32c for obtaining the same information as the rewritable information from a part other than the recording part of the bankbook and recording the obtained information in the recording part in the case that the rewritable information of the bankbook can not be read in the bankbook information read part 32b.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus for performing a predetermined transaction by inserting a passbook and restoring the information recorded in the passbook if the information cannot be read.

[0002]

2. Description of the Related Art Conventionally, an automatic transaction apparatus installed in a financial institution such as a bank is provided with a function of printing the contents of the transaction on a passbook in cash payment and deposit processing. On the back of this passbook etc., information such as bank name, business name, account number, balance, page and line of final print, and if necessary, password are recorded by magnetic stripe. To read the magnetic stripe.

The read information on the magnetic stripe is sent from the automated teller machine to the information center, and the information is compared with the information stored in the information center. After the verification is obtained, a transaction specified by the customer is performed, and after the transaction, the contents are printed on a passbook, new information is written on a magnetic stripe, and the passbook is discharged. New information written on the magnetic stripe is also stored in the information center.

[0004]

However, in such an automatic transaction apparatus, when a passbook is inserted, part or all of the magnetic stripe information recorded in the passbook is demagnetized due to some influence, and the account number is lost. If such information cannot be read, the passbook will be discharged, and it will not be possible to conduct subsequent transactions. In this case, it is necessary for the customer to go to the counter of the financial institution, tell the staff that the passbook cannot be used, and have the magnetic stripe re-recorded, which hinders smooth transactions. In addition, if the handling at the window has been completed, the magnetic stripe cannot be re-recorded, and the transaction by the automatic transaction apparatus cannot be performed.

[0005]

SUMMARY OF THE INVENTION The present invention is an automatic transaction apparatus designed to solve such a problem. That is, the automatic transaction apparatus of the present invention includes a passbook running means for taking in a passbook used in a transaction, a passbook information reading means for reading rewritable information recorded in a recording section of the passbook taken in by the passbook running means, When the rewritable information of the passbook cannot be read by the information reading means, the same information as the rewritable information is acquired from a portion other than the recording section of the passbook, and passbook information recording means for recording the acquired information in the recording section. Have.

According to the present invention having such a configuration, when the passbook information reading means cannot read the rewritable information of the passbook, the same information as the rewritable information is acquired from a portion other than the recording section of the passbook to obtain the passbook. Since the information is newly recorded by the information recording means, the information can be written into the recording section of the passbook, that is, the information can be restored in the automatic transaction apparatus.

[0007]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of an automatic transaction apparatus according to the present invention. FIG. 1 is a block diagram illustrating an automatic transaction apparatus according to the present embodiment, and FIG. 2 is an external view of the automatic transaction apparatus. That is, as shown in FIG. 2, the automatic transaction apparatus has a bill input / output port 4 at its front.
1a, coin insertion / ejection slot 41b, card insertion / ejection slot 22
a, a passbook insertion / ejection port 32a, and a display panel 52.

As shown in FIG. 1, the internal structure of the automatic transaction apparatus includes a control unit 1 for mainly controlling each unit, a card reader control unit 2 and a passbook control unit 3 connected to the control unit 1. , Cash processing control unit 4, operation panel control unit 5
And

The card reader control section 2 is connected to a card reader 21 for reading data from a cash card and a card running section 22 for inserting and discharging a cash card.

The passbook control unit 3 includes a passbook reading unit 3
a, a passbook printer 31 that includes a passbook recording unit 3b and prints the passbook according to the transaction content;
A passbook running unit 32 for discharging is connected. A part of the passbook running unit 32 includes a passbook information reading unit 32b for reading rewritable information such as a magnetic stripe in a recording unit of the passbook, and a passbook information reading unit 32b when the rewritable information such as a magnetic stripe disappears. And a passbook information recording unit 32c for restoring information and recording the information in the recording unit.

The cash processing control unit 4 is connected to an input / output port 41 for inputting / discharging cash, a discrimination counting unit 42 for discriminating cash, and a safe 43 for storing cash.

Further, the operation panel control section 5 is connected to a customer operation section 51 for transmitting operations performed by the customer to the operation panel control section 5, and a display panel 52 for displaying predetermined messages and buttons.

Here, the procedure of the deposit processing and the withdrawal processing using the automatic transaction apparatus will be described. First, when performing a deposit process, when a customer presses a deposit button on the display panel 52, the control unit 1 determines that the transaction is a deposit transaction via the operation panel control unit 5, and waits for insertion of a passbook.

Next, when the customer inserts the passbook through the passbook insertion / ejection port 32a, the passbook is taken into the passbook running section 32. The passbook information reading unit 32b of the passbook running unit 32
From the information such as the magnetic stripe recorded in the passbook, the name of the business office, the account number, the page and line of the last print, and the like are read, and the read information is transmitted to the control unit 1.

The control unit 1 sends this information to the information center, checks it against customer information stored and stored in the information center, and inputs cash via the cash processing control unit 4 if there is corresponding account information. Wait for. Customer accepts bill input / output port 4
When a bill is inserted from 1a, the discrimination counting section 42 determines whether the bill is genuine or counterfeit. Similarly, when the customer inserts a coin through the coin insertion / ejection port 41b, the discrimination counting section 42 performs authenticity discrimination.

Next, the amount and the number of the inserted cash are counted, and the received total amount is displayed on the display panel 52. When the customer confirms the deposit amount by looking at this display and presses the confirmation button on the display panel 52, the passbook control unit 3 prints the transaction contents with the passbook printer 31, and the passbook information recording unit 3
In step 2c, the information of the magnetic stripe is updated, and the passbook is returned from the passbook insertion / ejection port 32a. In addition, the contents of the transaction are the
Sent to the information center. Then, the cash processing control unit 4 stores the received cash in the safe 43, and ends the payment processing.

Next, when performing a withdrawal process, when the customer presses a withdrawal button on the display panel 52, the control unit 1 determines that the transaction is a withdrawal transaction via the operation panel control unit 5, and inserts a cash card. Wait for.

When a customer inserts a cash card through the card insertion / ejection port 22a, the card running unit 22 takes in the cash card, reads data in the magnetic stripe attached to the cash card by the card reader 21, and transmits the data to the control unit 1. I do.

The control unit 1 sends this data to the information center, compares it with the customer information stored and stored in the information center, and inputs the payment amount to the customer from the display panel 52 if there is the corresponding customer account information. To do so. When the customer inputs the payment amount, the control unit 1 sets the cash processing control unit 4
Sends out the designated amount of cash from the safe 43.

Thereafter, the cash card is returned to the customer through the card insertion / discharge port 22a, the normal ticket is discharged from the bill insertion / discharge port 41a through the discrimination counting section 42, and the dispensing process ends. In this dispensing process, it is also possible to make a payment by inserting both a cash card and a passbook. Similarly, for coins, coin input / output port 4
1b.

In such a transaction, as described above, rewritable information such as a magnetic stripe is recorded in the recording section of the passbook. FIG. 3 is a schematic diagram for explaining the recorded contents of the magnetic stripe. That is, in the magnetic stripe, for example, data of a bank name, a business office name, an account number, a name, a balance, and a page / line of the last print are recorded as magnetic information. In the transaction using the passbook, the magnetic stripe is read by the passbook information reading unit 32b, and the information is collated with the information in the information center as described above, so that an accurate automatic transaction is performed.

However, if the rewritable information such as the magnetic stripe is damaged by erasure or the like due to some influence, it becomes impossible to perform an automatic transaction using a passbook. The present embodiment is characterized in that even in such a case, the customer can restore information in the automatic transaction apparatus and continue the transaction without bringing the passbook to the counter.

The procedure for restoring information in the automatic transaction apparatus according to this embodiment will be described below. FIGS. 4 and 5 are flowcharts showing the procedure of the first information restoration. In the following description, reference numerals not shown in FIGS. 4 and 5 refer to FIGS. 1 and 2 unless otherwise specified.

First, in the idle state, the display panel 52 displays "Welcome." And the transaction selection key (step S1). Here, when the customer presses the deposit button (step S2), a display prompting insertion of a passbook such as "Please insert a passbook" is displayed on the display panel 52 (step S3).

Next, when the customer inserts the passbook (step S4), the passbook is sent to the inside by the passbook running section 32, and the magnetic stripe is read by the passbook information reading section 32b (step S5). The read information is sent to the control section 1, where it is determined whether or not the information is demagnetized (step S6).

If the information of the magnetic stripe has not been demagnetized (normal), the determination in step S6 is No, and the process directly proceeds to a deposit transaction. On the other hand, if the information of the magnetic stripe is demagnetized and the reading of the recorded information is incomplete, the determination in step S6 becomes Yes, and the process proceeds to step S7.

In step S7, the passbook is discharged by the passbook traveling section 32 and returned to the customer. Next, the display A is output to the display panel 52 (step S8). FIG. 6 is a diagram showing the display A. In other words, the display A indicates to the customer that the information of the magnetic stripe of the passbook is demagnetized and that the customer is asked whether or not to restore the information.

The customer receives the passbook (step S9),
After the message "Please press the restore button." Is displayed on the display panel 52 (step S10), when the customer presses the restore button (step S11), the display B is output to the display panel 52 (step S12).

FIG. 7 is a view showing display B. This display B
Then, a message to the effect that the customer has a cash card if he or she has a cash card, and a message to input predetermined information if he does not have a cash card is displayed.

If the customer has a cash card, the customer inserts the cash card into the card insertion / ejection port 22a.
(Step S16). The card reader 21 reads the information on the magnetic stripe recorded on the inserted cash card, transmits the information to the information center, and checks the information (step S14).

On the other hand, if the customer does not have a cash card, the name of the office, the name, etc. are entered from the display panel 52 (step S15). Then, the input data is transmitted to the information center for collation (step S1).
6).

After the collation, a message "Please insert a passbook" is displayed on the display panel 52 (step S1).
7). Thus, when the customer inserts the passbook (step S
18) The information transmitted from the information center by the passbook information recording unit 32c is recorded in the magnetic stripe information and restored (step S19).

After the restoration of the magnetic stripe information is completed, the flow shifts to a deposit transaction.

By such a process, even if rewritable information such as a magnetic stripe is damaged by erasure or the like, the customer can restore the information on the spot without taking the passbook to the counter. , You will be able to continue trading.

Next, the second restoration procedure will be described. Second
In the restoration procedure of FIG. 4, in the flowchart of the first restoration procedure shown in FIGS. 4 and 5, a cash card is inserted in step S16, the magnetic stripe is read in step S17, and the information is compared with the information of the information center. Thereafter, magnetic stripe information to be recorded in the passbook transmitted from the information center is displayed on the display panel 52, and the customer is asked to confirm the information.

That is, the processing from step S1 to step S17 shown in FIGS. 4 and 5 is the same as the first restoration procedure, but after collation in step S17, display based on information transmitted from the information center. The panel 52 displays the customer's name, account number, and the like. In the second restoration procedure, the customer confirms the name, account number, and the like displayed on the display panel 52, and then performs information restoration from step S20.
This makes it possible to reliably record the demagnetized magnetic stripe information in the recording section of the book.

Next, the third restoration procedure will be described. Third
In the restoration procedure, if both the passbook and the cash card are inserted at the time of the transaction, the rewritable information of the passbook damaged by erasure or the like is written based on the magnetic stripe of the inserted cash card. It is unique in that it makes inquiries to the center.

That is, when a customer inserts both a cash card and a passbook when conducting a transaction and the information such as the magnetic stripe of the passbook is damaged, the magnetic stripe of the cash card inserted by the card reader 21 is used. Read information.

Thereafter, the magnetic stripe information read from the cash card is transmitted from the control unit 1 to the information center for collation, and information such as a magnetic stripe to be recorded in the passbook recording unit is transmitted from the information center. Then, after displaying this information on the display panel 52 and confirming it by the customer, the information is written in the recording section of the passbook and the restoration of the information is completed.

By such processing, the information can be restored as it is without returning the passbook once inserted to the customer.

Next, the fourth restoration procedure will be described. 4th
In the restoration procedure, when the rewritable information of the passbook is damaged, code data such as a barcode attached to the passbook is read in advance, and an information center is inquired based on the read data to restore the information. There is a feature in the point.

That is, in this process, it is checked whether or not code data such as a bar code indicating information such as an account number is printed in a margin area or the like of the passbook at the stage when the transaction is performed in advance. If not, print it. This printing may be performed by the passbook printer 31 that prints the details of the transaction, or may be performed by providing another printing unit.

FIG. 8 is a diagram showing an example of a barcode to be printed on a passbook. As described above, if a barcode is not printed in the blank area of the page after the transaction using the passbook, information written on the magnetic stripe or the like of the passbook is printed as a barcode. In this example, information indicating the page is printed on a barcode B1, and information indicating a business office name and an account number corresponding to the passbook is printed on a barcode B2.

When rewritable information such as a magnetic stripe recorded in the recording section of the passbook is damaged,
The barcodes B1 and B2 printed in advance are read to make an inquiry to the information center. The bar code reading means detects a printed line of a passbook and optically reads a page mark (not shown), and can be used.

The information center operates the bar codes B1, B
Upon receiving the read data of No. 2, the data is collated with predetermined code data, and information such as a magnetic stripe to be recorded in the passbook is transmitted. Then, after the information transmitted from the information center is displayed on the display panel 52 to be confirmed by the customer, the information is written in the recording section of the passbook and the restoration of the information is completed.

Thus, it is possible to obtain accurate information such as a magnetic stripe from the information center based on the code data printed in the margin area of the passbook, and to restore the information to the recording section of the passbook.

Note that the code data to be printed in the margin area of the passbook does not necessarily need to be printed in the margin area of all pages. For example, when the passbook is issued, it is printed only on the first page and the information is restored. In this case, the code data may be read from the currently opened page to the first page, and an inquiry to the information center may be made.

Further, the code data to be printed may be bar data, other forms of binary data, code data represented by characters, symbols, or data represented by holograms.

In each of the above-mentioned restoration procedures, information indicating the last page and line of the printing out of the information transmitted from the information center is compared with information indicating the last page and line of the printing obtained from the passbook. By restoring information only when they match, more reliable restoration can be performed.

In each of the above-mentioned restoration procedures, an example has been described in which information for restoration is queried and transmitted to the information center. However, if the information for restoration is held in the automatic transaction apparatus, Alternatively, the restoration may be performed using the information in the automatic transaction apparatus without making an inquiry to the information center.

[0051]

As described above, the automatic transaction apparatus of the present invention has the following effects. That is, when conducting a transaction using a passbook, even if the rewritable information recorded in the passbook cannot be read, the information can be restored in the automatic transaction device, and the customer can visit the counter. It is possible to carry out restoration on the spot and to continue the transaction without having to wait. As a result, automatic transactions using the passbook can be smoothly performed.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating an automatic transaction apparatus according to an embodiment.

FIG. 2 is an external view of the automatic transaction apparatus.

FIG. 3 is a schematic diagram illustrating recorded contents of a magnetic stripe.

FIG. 4 is a flowchart (part 1) of a restoration process.

FIG. 5 is a flowchart (part 2) of a restoration process.

FIG. 6 is a diagram showing a display A.

FIG. 7 is a diagram showing a display B.

FIG. 8 is a diagram illustrating a barcode printed on a passbook.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Control part 2 Card reader control part 3 Passbook control part 3a Passbook information reading part 3b Passbook information recording part 4 Cash processing control part 5 Operation panel control part

Claims (6)

[Claims] 1. A passbook running means for taking in a passbook used in a transaction; a passbook information reading means for reading rewritable information recorded in a recording section of the passbook taken in by the passbook running means; The passbook information recording means for acquiring the same information as the rewritable information from a portion other than the recording portion when the rewritable information cannot be read in the recording portion, and recording the acquired information in the recording portion. Automatic transaction device characterized by the above. 2. The automatic transaction apparatus according to claim 1, further comprising display means for displaying the same information as the rewritable information after obtaining the information from a unit other than the recording unit. 3. The passbook information recording means obtains the same information as the rewritable information from a portion other than the recording section, verifies matching between the information and information printed on the passbook, and 2. The automatic transaction apparatus according to claim 1, wherein information is recorded in said recording unit. 4. The automatic passbook information recording device according to claim 1, wherein the passbook information recording unit acquires the same information as the rewritable information from a card corresponding to the passbook. Trading equipment. 5. The passbook information recording means acquires the same information as the rewritable information from code data attached to the passbook. Automatic transaction equipment. 6. The passbook information recording means, after acquiring the same information as the rewritable information from a place other than the recording section, print information indicating the last page and line of the print included in the information, 2. The automatic transaction apparatus according to claim 1, wherein the information is recorded in the recording unit after verifying matching with the print information indicating the last page and line of the obtained print.