JPS5842914B2 - trading device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a transaction device that automatically performs deposit operations in place of bank employees, and also automatically pays out prizes to users.

Recently, currency transaction devices such as automatic deposit devices have been developed and put into practical use in banks for reasons such as saving labor in banking operations, expanding services for users, implementing a five-day work week, streamlining management, and reducing operating costs. It is being done.

By the way, normally, if you deposit money at a deposit counter at a bank, you can receive a so-called "gift" as long as the deposit is for 10,000 yen during the sales activity period.

However, since conventional automated teller machines are not designed to dispense prizes, if you make a deposit using an automated teller machine, you will not receive any prizes.

Therefore, depositors often make deposits at deposit counters without using automatic deposit machines, and this has resulted in the inconvenience that the use of automatic deposit machines, which were installed for the purpose of saving labor, has significantly decreased.

The present invention was made in view of the above circumstances, and its purpose is to be able to automatically pay out premiums to users, to significantly improve services to users, and to improve transaction operations. The aim is to provide a transaction device that can contribute to increased efficiency.

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

FIG. 1 shows a part of a currency transaction device, such as an automatic deposit machine, in transparent view.The front of the housing 1 includes a card insertion slot 2 into which a personal identification card is inserted, and a deposit slot 3 into which banknotes to be deposited are set. , an exclusion port 4 for removing rejected notes such as fraudulent notes or stacked notes; an entrance 5 for deposit passbooks and deposit certificates;
An amount display 6 for displaying the deposited amount, a payment lower for distributing tokens, etc. are provided.

Further, a stepped portion 1a is formed approximately at the center of the front surface of the housing 1, and a keyboard 8, a banknote return slot 9, and a housing 10 for opening and closing the return slot 9 are each mounted on the stepped portion 1a. It is provided.

In addition, 11 is a safe entrance/exit for entering and exiting the safe, which will be described later.
2 is a lid with a key that opens and closes the safe entrance 11.

A deposit mechanism is housed within the casing 1 corresponding to the deposit port 3, removal port 4, return port 9, and safe entrance/exit 11.

This deposit mechanism accepts banknotes set in the deposit port 3, and is configured as shown in FIG. 2, for example.

That is, the deposit port 3 has a housing 21 that is manually rotated.
A banknote storage box 22 is provided, and the banknotes P1 put in a bundle as a bundle are stored in this storage box 22 in an upright position. It is pushed by a push plate 23 toward a take-in rotor 24, which will be described later.

At the back of the storage box 22, there is provided a take-in rotor 24 that rotates in the direction of the arrow shown in the figure, and on the outer peripheral surface of the take-in rotor 24 there is a suction element 25 connected to a vacuum pump (not shown).
is provided, and when the take-in rotor 24 rotates, the bank notes P1 are taken in by vacuum suction one by one from the front end thereof.

A conveyance path 28 consisting of an endless belt 26 and rollers 27 is provided at the back of the intake rotor 24, and this conveyance path 28 carries the banknotes taken in by the intake rotor 24 to the rear of the housing 1. The sheets are pinched and transported one by one.

A banknote detector 29 consisting of a light source and a plurality of light receiving elements is provided in the middle of the conveyance path 28, and the banknote detector 29 is configured to detect the banknote being conveyed.

The conveyance path 28 is branched into first and second branch conveyance paths 30 and 31 at the rear of the housing 1, and a dividing gate 32 driven by, for example, a rotary lenoid (not shown) is installed at the branch portion. It is provided.

This sorting gate 32 operates in response to a command from a control section, which will be described later.
In the case of a rejected ticket such as a fraudulent ticket or a stacked ticket, the ticket is guided to a first branch conveyance path 31.

At the terminal end of the first branch conveyance path 30 and corresponding to the return port 9 and the safe entrance/exit 11, there is a safe 33 in which deposited banknotes (only genuine notes) P2 are stacked horizontally. It is provided.

This safe 33 is provided with a back-up board 34 on which banknotes P2 are placed.
is supported on a support shaft 35 so as to be able to move up and down, and is controlled by a drive mechanism (not shown) to descend sequentially as the amount of accumulated banknotes P2 increases.

On the other hand, the terminal end of the second branch conveyance path 31 is connected to the exclusion port 4.
The outlet 4 is connected to the outlet 4, and the exclusion ticket P3 is discharged into the exclusion port 4.

Further, a printing device 40 is provided in the housing 1 corresponding to the entrance/exit 5 for the bankbook and certificate of deposit.

This printing device 40 prints transaction details on a passbook inserted through the entrance/exit 5, or if you forget your passbook, prints the transaction details on a deposit certificate form to issue a deposit certificate, and prints the transaction details on a deposit certificate paper, which is then sent to the entrance/exit 5. It is constructed as shown in FIG. 3, for example.

That is, 41 is a passbook guide frame, which communicates with the entrance/exit 5 and horizontally guides a passbook inserted from the entrance/exit 5 in the direction of the arrow shown in the illustrated state in an open state.

When a passbook is inserted into the guide frame 41, the tip of the passbook is detected by the optical detector 42.
The solenoid 43 operates to open the shutter 44, and the reversible motor 45 operates to drive the conveyance path 46, which grips and conveys the passbook P and takes it in there.

The magnetic head 4γ reads predetermined data recorded on the magnetic recording strip M attached to the back cover of the passbook P, or writes predetermined data therein.

The record band M includes, for example, bank name code, account number,
Data such as the designated number of lines to be printed is written, and the stopping position of the passbook P is determined by reading the designated number of lines to be printed.

The passbook P conveyed on the conveyance path 46 is conveyed while being held between a platen roller 49 and a tension roller 50 driven by a pulse motor 48, and when the tip of the passbook P is located at a predetermined position, a detector (not shown) is detected. The motor 48 is then driven by a specified number of pulses determined by the specified number of lines to be printed read by the magnetic head 47 and stopped.

As a result, the bankbook P is already stopped in correspondence with the printing position of the next line of the printing tube.

51 is a wire dot print head, and this print head 51 has a support base 52 connected to a pulse motor 53 and a wire 54.
Printing is performed on the bankbook P by slidingly driving the pulley 55 along the rod 56.

Note that 57 is an ink ribbon cassette.

On the other hand, a collection box 5 is located in the lower part in front of the platen roller 49.
8 is provided, and a large number of deposit certificate forms S are stacked in this stacking box 58 in an upright position.

The collection box 58 is slidable in the front-rear direction along a guide shaft 59, and is always urged toward the front by a spring 60.

Therefore, when issuing a certificate of deposit, solenoid 61
The removal prevention plate 62 is biased by the spring 6.
The paper S is pulled against the repulsive force of 3, and is thus brought into pressure contact with the take-out roller 64 driven by the motor 48.

When the motor 48 rotates in the opposite direction to the direction in which the passbook is taken in, the take-out roller 64 rotates in the take-out direction, and one sheet of paper S is taken out by friction with the paper S.

When a detector (not shown) detects that one sheet has been taken out, the solenoid 61 is deenergized, and the removal prevention plate 62 is returned to its original position by the repulsive force of the spring 63, and the leading edge of the sheet S is removed. If you press the button, taking out the second and subsequent sheets is prohibited.

The taken out paper S is conveyed while being held between a roller 65 and a pinch roller 66 driven by the motor 48, and when its leading edge is located at a predetermined position, it is detected by a detector (not shown) and is stopped. Printing is performed in the same manner as the printing operation on the back bankbook P.

The bankbook P or paper S (that is, the certificate of deposit) on which printing has been completed is discharged to the entrance/exit 5 by rotating the motors 45, 48 in the opposite direction to the direction in which the bankbook was taken in.

Further, in the case 1 corresponding to the privately made lower, there is a storage section 13 that stores a plurality of tokens T in a stack to be exchanged for prizes later, and a storage section 13 that stores the tokens T stored in this storage section 13. A dispensing mechanism 14 is provided that takes out one coin for each transaction, that is, one deposit, and dispenses it to a privately made lower.

That is, the private lower is connected to the outlet end of a guide path 15 extending to the rear of the housing 1, and the guide path 15 is inclined so that the inlet end is higher than the outlet end.
The storage section 13 is provided above the entrance end of the guide path 15.

Then, between the bottom of the storage section 13 and the entrance of the guide path 15, the token T in the storage section 13 is placed one by one in response to a command.
A take-out mechanism is provided to take out the pieces one by one and drop them into the guide path 15.

That is, this ejecting mechanism includes a drive source 16 such as a motor or a plunger solenoid, a push rod 18 that is driven by the drive source 16 and reciprocates in the direction of the arrow in the cylinder 17, and is fixed to the tip of the push rod 18. The push plate 19 reciprocates along the bottom surface of the storage section 13 in accordance with the operation of the push rod 18 to push only the lowest one of the tokens T in the storage section 13 and cause it to fall into the guide path 15. It is configured.

Further, a remaining amount detector 20 is provided near the bottom of the storage section 13.

This detector 20 detects when the number of tokens T in the storage section 13 falls below a predetermined amount.
It is composed of a light source 20a and a light receiving element 20b which are arranged opposite to each other on both sides of the bottom of the device.

FIG. 4 is a partially transparent view of the prize private device, and the front of the housing 71 includes a token receiving lower 2 for accepting tokens issued by the automatic deposit machine, a private lower 3 for dispensing prizes, etc. Each is provided.

In the casing 71 corresponding to the privately made lower 3, there is a storage section 74 in which a plurality of prizes K are stacked and stored, and the prizes K stored in this storage section 74 are taken out one by one and are privately made. A dispensing mechanism 75 for dispensing to the lower 3 is provided.

That is, the privately made lower 3 is connected to the outlet end of the guide path 76 extending rearward of the housing 71, and the guide path 76
is inclined so that its entrance end is slightly higher than its exit end, and the storage section 7 is located above the entrance end of this guide path 76.
4 is provided.

Further, the bottom surface of the storage section 74 communicates with the entrance end of the guide path 76, and one prize K is placed in this communication section in response to a command.
A dropping mechanism (not shown) is provided to drop the pieces one by one into the guide path 76.

A drive source 77 such as a motor or a plunger solenoid is provided at a portion facing the entrance opening of the guide path 76, and the drive source 77 is driven by the drive source 77 to reciprocate within the cylinder 78. ,
A push rod 79 is provided, the tip of which moves back and forth in the direction of the arrow shown in the guide path 76 to push out the prize K into the dispensing lower 3.
-Q, a push plate 80 is fixed to the tip of this push rod 79.

Note that the push rod 79 is normally retracted into the cylinder 78, so that the push plate 80 is located at the tip of the cylinder 78.

A prize remaining amount detector 81 is provided near the bottom of the storage section 74.

This detector 81 detects when the prize K in the storage part T4 falls below a predetermined amount.
It is composed of b.

FIG. 5 shows the control section of the automatic deposit machine described above.
The display 6 and keyboard 8 are connected to the main control section 85 via an input/output control section 86, respectively.

On the other hand, the output signal of the detector 29 is supplied to a determining section 87.

This discrimination section 87 performs authenticity discrimination, overlap discrimination, and denomination discrimination of banknotes based on the signals from the detector 29, and outputs signals accordingly. The overlap determination signal is supplied to the main control section 85, and the denomination determination signal is supplied to the totalizer 88.

This totalizer 88 calculates the total deposited amount based on the signal from the discrimination section 87, and the total amount is calculated by the main control section 85.
It is also supplied to the display device 6 via the input/output control section 86.

Further, a print control section 89 and a card reading/writing device 90 are connected to the main control section 85, respectively.

The printing control unit 89 controls the printing device 40, and the card reading/writing device 90 reads predetermined data (PIN number) magnetically recorded from the card inserted into the card insertion slot 2. , account number, deposit balance, etc.), and magnetically records predetermined data (new deposit balance, etc.) on the card.

Furthermore, the detector 20 is connected to the main control section 85, and a deposit control section 91 and a payout control section 92 are respectively connected thereto.

The deposit control section 91 controls the deposit mechanism 93 described above, and the payout control section 92 controls the token payout mechanism 14.

The main control unit 85 is connected online to a central processing unit 97 as a deposit ledger installed at a remote site via communication control devices 94 and 95 and a communication line 96, and communicates with the central processing unit 97 as necessary. It has become.

FIG. 6 shows the control section of the prize dispensing mechanism described above.
The determining unit 98 determines whether the token received from the token receiving lower 2 is correct or not, and supplies the result of the determination to the payout control unit 99.

This payout control section 99 controls the prize payout mechanism 75.

Further, the output signal of the detector 81 is supplied to the payout control section 99 .

Next, the operation in the above configuration will be explained.

First, to explain the operation of an automatic deposit machine, a user, that is, a depositor, inserts his or her card into the card slot 2, inserts his passbook into the slot 5, and bundles banknotes to be deposited into the slot 3. Pour the lid all at once, set it, and then close the lid body 21.
By closing the deposit mechanism 93, the deposit mechanism 93 starts operating.

That is, by rotating the take-in rotor 24, the bank notes P1 set in the deposit slot 3 are taken in one by one.
It is transported on a transport path 28.

The bank note being conveyed is detected by the detector 29, and based on the detection signal, a discrimination section 87 performs authenticity determination, overlap determination, and denomination determination.

As a result of this determination, the authenticity determination signal and the overlap determination signal are supplied to the main control section 85, and the deposit control section 9
1, the division gate 32 is controlled.

As a result, genuine bills are guided to the first branch conveyance path 30 and accumulated in the safe 33 one after another, and rejected bills such as fraudulent bills or stacked bills are guided to the second branch conveyance path 31 and are accumulated in the safe 33 through the rejection port 4.
discharged inside.

On the other hand, the denomination discrimination signal is supplied to a totalizer 88 to calculate the total deposited amount.

When all the banknotes P1 set in the deposit slot 3 have been taken in, a detector (not shown) detects this and the deposit mechanism 93 stops operating, and the totalizer 88 calculates the amount. The total deposited amount is supplied to the display 6 and displayed there.

When the deposit total amount is displayed, the depositor confirms the displayed amount, and if approved, presses the approval key provided in the keyboard 8, and the deposit total amount calculated by the totalizer 88 and the card reading and writing are added. Data read by the device 90 (PIN number, account number, deposit balance, etc.) is transmitted to the central processing unit 97 via the main control unit 85, communication control devices 94, 95, and communication line 96.

As a result, the central processing unit 97 updates the deposit ledger file with the corresponding PIN number and account number, and sends back the details of the transaction to the main control unit 85.

The main control unit 85 that received the reply operates the card reading/writing device 90.
By activating the , the deposit balance on the card is rewritten to the latest deposit balance, and the card is returned to the insertion slot 2. At the same time, the transaction details are printed on the passbook by activating the printing device 40, and the passbook is transferred to the entrance 5. Return it to.

If you forget your passbook, by pressing the passbook forget key provided in the keyboard 8 in advance, a deposit certificate with the details of the transaction printed on it will be issued by the printing device 40, and it will be discharged at the entrance 5. be done.

Also, at this time, the main control unit 85 determines that the deposit has been completed and sends a token payout command to the payout control unit 92.

Upon receiving the command, the payout control unit 92 operates the payout mechanism 14 to pay out the token T to the payout lower.

That is, by operating the drive source 16 and moving the push rod 18 forward, only the lowest one of the tokens T stored in the storage section 13 is pushed by the push plate 19 and falls into the guide path 15. Ru.

Since the guide path 15 is inclined, the fallen token slides within the guide path 15 due to its own weight and is guided into the dispensing lower.

Therefore, the depositor receives the token from within the payment lore.

In this way, when the deposit is completed, tokens to be exchanged for prizes are automatically paid to the depositor.

When the number of tokens T in the storage section 13 falls below a predetermined amount, the detector 20 detects this and supplies the detection signal to the main control section 85, so that the main control section 85 sends a message to the payout control section 92. A dispensing prohibition command is sent to stop the dispensing of tokens T, and at the same time, an alarm (not shown) is activated to notify the staff to that effect.

Next, to explain the operation of the private prize machine, the depositor who has made a deposit with the automatic deposit machine and received a token inserts the token into the token receiving lower 2.

When a token is inserted, the determining unit 98 accepts it and determines whether it is correct. If the token is correct, it sends a payout command to the payout control unit 99. If it is not correct, it sends a payout command to the payout control unit 99. does not send a payout command, and displays, for example, on a display (not shown) that the inserted token cannot be used.

Upon receiving the payout command, the payout control section 99 operates the payout mechanism 75 to pay out the prize K to the payout lower 3.

That is, first, the dropping mechanism (not shown) operates to drop one prize K in the storage section 74 into the guide path 76, and then the drive source 77 operates to move the push rod 79 forward, causing the prize to fall. The prize K is pushed out along the guide path 76 and guided into the payout lower 3.

Therefore, the depositor receives the prize K from within the payment lower 3.

In this way, prizes are automatically paid out in exchange for tokens.

Note that when the prize K in the storage section 74 falls below a predetermined amount, it is detected by the detector 81 and the detection signal is supplied to the payout control section 99, so that the payout control section 99 stops the payout operation. , an alarm (not shown) is activated to notify the staff of this fact.

As explained above, according to the above embodiment, once the deposit is completed with the automatic deposit machine, the tokens to be exchanged for a prize later can be automatically paid out, and the received tokens can be inserted into the private prize machine. By doing so, the prize can be automatically paid out in exchange for the token.

Therefore, a service similar to distributing premiums to depositors as a sales activity in a counter service can be performed automatically and unattended. This will not result in any deterioration in service quality, allowing customers to fully embrace automation with peace of mind, contributing to more efficient banking operations, and improving service to users by speeding up banking operations.

Incidentally, the automatic deposit machine and the private prize machine may both be installed in the same room, or may be installed in separate rooms.

In addition, in the above embodiment, a token is paid out for each deposit regardless of the deposit amount, but for example, the deposit amount (total amount deposited) is determined to determine whether or not to give out a token (prize). By adding a function to do so, the prize may be paid out only when the deposit amount is equal to or greater than a predetermined value.

Furthermore, in the above embodiment, a token is paid by an automatic deposit machine, and a prize is paid in exchange for the token by receiving the token by a privately manufactured prize machine. may also be used.

That is, a deposit certificate is issued by the printing device 40 for each deposit in the automatic deposit machine.

At the time of issuance, the deposit certificate is recorded with a specific mark, for example, by printing or punching.

On the other hand, the prize private device is equipped with a deposit certificate acceptance slot.
The deposit certificate is received through this receiving slot, and a specific mark recorded on the deposit certificate is detected and discriminated by a discriminating section 98, thereby distributing a prize in exchange for the deposit certificate.

In this way, the private token lower, storage section 13, dispensing mechanism 14, etc. in the automatic deposit machine become unnecessary.

In short, an automatic deposit machine may issue evidence for the deposit, a privately-produced prize machine may accept and discriminate the evidence, and then pay out the prize.

In addition, in the above embodiment, an explanation has been given of a case in which the present invention is implemented in an automatic deposit machine, but the present invention is not limited to this. As long as it is a device, implementation is optional.

As detailed above, according to the present invention, there is provided a currency transaction device that accepts currency, determines its amount, performs a predetermined transaction operation, and issues evidence for the transaction; Since it is equipped with a privately-made prize device that accepts evidence, distinguishes it, and pays out prizes, it is possible to not only conduct currency transactions but also automatically pay out prizes to users. It is possible to significantly improve services, contribute to the efficiency of trading operations, and provide an extremely convenient trading device.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; FIG. 1 is a partially transparent perspective view of an automated teller machine, FIG. 2 is a longitudinal side view showing the deposit mechanism, and FIG. 3 is a configuration of a printing device. FIG. 4 is a partially transparent perspective view of the privately made prize device, FIG. 5 is a block diagram showing the control unit of the automatic deposit device, and FIG.
The figure is a block diagram showing the control section of the prize privately produced device. 3... Deposit slot, 5... Entrance/exit for passbooks and certificates of deposit, 7... Token private slot, 13.
...Token storage section, 14...Token payout mechanism, T...Token, 40...
Printing device, 72... Token acceptance port, 73...
...Prize private entrance, 74...Prize storage section, 7
5...Prize dispensing mechanism, K...Prize, 9
3... Deposit mechanism.

Claims (1)

[Claims] 1. A currency transaction device that accepts currency, determines its amount, performs a predetermined transaction operation, and issues evidence for the transaction; A transaction device characterized by comprising a prize dispensing device for dispensing prizes.