JPS5971575A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To attain envelope deposit transaction using a bank book, by printing transaction information for non-booked share only in an account without printing the envelope deposition transaction on the bank book at the envelope deposit transaction using the bank book. CONSTITUTION:When the bank book is inserted to the automatic transaction device and the deposit item is selected, a main control section controls an envelope processor 24 and discharges an envelope to an envelope extracting section 8. The customer encloses cash, draft and check in this envelope, the envelope is inserted from an envelope inserting aperture 9, and the deposit amount is inputted from a keyboard. When the thickness of the envelope is discriminated as a prescribed value or below and fetched in the unit 24, the main control section makes correspondence with a host computer, the transaction data is not printed on the bank book according to the received message and the transaction information not booked in the account is printed. When the main control section receives the transaction, the main control section outputs the print and delivery signal to the unit 24, and the unit 24 makes stamp print at the printing section on the envelope and accommodates it in an envelope containing hopper.

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention relates to a plurality of automatic transaction devices that are used in institutions that conduct currency transaction operations, such as banks or post offices, and that automatically perform transactions such as deposits and withdrawals. and a center that stores transaction information of these automatic transaction devices.

[Technical background of the invention and its problems]

Conventionally, automatic transaction devices used in automatic transaction systems accept banknotes and coins as payment processing.

Devices in which bills and the like are placed in an envelope and the envelope is received into the device have been put into practical use. However, in such cases, since the contents of the envelope are not known at the time the transaction is made, the transaction cannot be printed, and therefore the transaction is processed only with a card or without any communication with the center. Therefore, it was not thought possible to conduct envelope deposit transactions using passbooks.

[Purpose of the invention]

This invention was made in view of the above circumstances, and its purpose is to enable envelope deposit transactions using passbooks;
Moreover, it is an object of the present invention to provide an automatic transaction system that can print unrecorded transaction information on the passbook.

[Summary of the invention]

In this invention, when making an envelope deposit transaction using a passbook, the envelope deposit transaction is not printed on the passbook, but only the transaction information for the red entry of the corresponding account sent from the center is printed. It is something.

[Embodiments of the invention]

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

FIG. 1 shows an automatic teller machine as an external wall-shaped automatic currency transaction device. That is, a customer service section 3 opened from the outer wall 2 of the building is formed on the front side of a casing l installed inside the building. The customer service section 3 is formed at the center of the housing 1 in the vertical direction t1, and has a horizontal operation panel 4 and a vertical operation panel 5 rising along the rear edge of the horizontal operation panel 4. There is.

A key bead 6 consisting of a numeric keypad, etc., and a CRT display section 7 are arranged on the horizontal operation panel 4, respectively. Further, at the bottom of the vertical operation panel 5, an envelope take-out part 8, an envelope insertion slot 9, a slip take-out port 10. and banknote outlet 11,
A passbook insertion slot 2 and a card insertion slot J3 are arranged at the top.

Further, a speaker hole 4 is provided on the side surface of the customer service section 3, and a speaker (not shown) is built inside the speaker hole 14. 6, CRT display section 7, envelope take-out section 8, envelope insertion slot 9, slip take-out port 10
, a curved shutter J5 that can be opened and closed to seal the banknote outlet 1 and the speaker hole 14 is provided. This curved shutter 15 is provided for crime prevention, protection from wind and rain, and protection from the roof, and is made of transparent reinforced glass in the shape of a part of a cylinder with a certain curvature. ing. A light-emitting element 16 and a light-receiving element 17 are provided inside both sides of the customer service section 3.
A foreign object detector 8 is configured to detect foreign objects such as paper, hands, etc. within the curved shutter 15.

By the way, as shown in FIGS. 2 to 4, inside the housing 1 are a card reading device 2 for reading information on an ID card inserted through the card insertion slot 13, and a card designated as the bill extraction slot 11. A dispensing mechanism 22 for dispensing the amount of banknotes P, a passbook reading/printing device 23 for reading the magnetic stripe of the passbook inserted through the passbook insertion slot J2 and recording transaction details in the passbook and journal, and from the envelope insertion slot 9. The envelope processing device 24 is capable of adding predetermined printing to the inserted envelopes and taking them in, and also takes out the envelopes one by one from the envelope take-out section 8, and inserts a slip with transaction details printed on the above-mentioned slip take-out port 10 as necessary. Slip issuing device 25 and power supply device 26
, a control device 27, a control panel 28 and the shutter 1
A shutter receiving mechanism (not shown) for receiving the shutter 5 is housed therein.

Only the wall thickness of the casing 1 that houses the above-mentioned dispensing mechanism 22 is thick, and the wall thickness is made of a strong material such as cold-rolled steel, stainless steel, etc., with a thickness of about 10 to 30 mm. The walls are made of cold-rolled steel with a wall thickness of 1 to 2 mm. As a result, the housing has sufficient functionality for crime prevention.

FIG. 5 shows the card reading device 21, and 3 is a conveyance path for the card inserted from the card insertion slot 13. This conveyance path 3 is constituted by a number of conveyance roller pairs 32, . . . , and the card insertion slot 13
Shutter mechanism 33, magnetic head 34, holding section 3 in order from
5 and an enbisu part 36 are disposed, and the end side faces the collection warehouse 32. In addition, 38.39°40.41.
A card detector 42 is a well-known circuit consisting of a light emitting element and a light receiving element.The card detector 38 is for entrance, the card detector 4 is for holding, and the detector 42 is for collection. The above-mentioned transport roller pairs 32... are each driven by a driving roller 4.
3 and a male edge roller 44. A conveyor belt 45 is wrapped around the drive roll 43, and the ginch roller 44 is connected to the drive roller 4 via the conveyor belt 45.
It is transposed to 3. Further, the drive roller 43 is driven by a pulse motor 46 that can rotate in forward and reverse directions.

′-! In addition, the pinch roller 44 disposed on the side of the card insertion slot 13 is controlled so that the pressing force is strong when the card is being transported, and weak when it is not being transported.

The shack mechanism 33 has a shutter 47 between the transport roller pair 32 on the card insertion slot J3 side and the next transport roller pair 32.
The conveyance path 3 is opened and closed by raising the roller 3 in a stepped manner, and the pinch roller 44 on the card insertion slot 13 side is interlocked with the pinch roller 44 .

In other words, the pressing force of the pinch roller 44 is strong when the shutter 47 is opened, and weak when it is closed.

The magnetic head 34 is disposed coaxially with a pinch roller 44 of the pair of transport rollers 32, and the card is held down only by the pinch roller 44 so that the card transport force does not change when the magnetic head 34 processes information. It is designed to be transported. The holding section 35 is formed on the conveyance path 3, and can temporarily hold cards on the way to being conveyed. The embossing section 45 is adapted to copy the account number etc. recorded in a concave and convex pattern on the card onto a slip or the like. The collection warehouse 47 accommodates and stores collected cards.

When the card is inserted from the card insertion slot 3 and the card detector 38 detects the insertion of the card,...
The shutter 47 is opened at the same time as the nine pulse motor 46 is activated, and the card is taken in and transported. The information is then processed by the magnetic head 34 while being conveyed, and the information is processed by the engos section 3
It will be temporarily stopped at 6. Therefore, after the end operation is performed, the pulse motor 46 is reversed to return the card to the card insertion slot 13, and the card is returned or collected.

That is, first, a card ejecting operation is performed. Then, after the card is detected by the card detector 38 for a predetermined period of time, the pulse motor 46 is stopped and the shutter 47 is closed. At this time, the card is held with a portion thereof protruding from the card insertion slot 3.

When the card detector 38 detects that the card has been removed by the customer, the transaction ends and the next transaction can be executed from the initial step. On the other hand, when the card is detected by the card detector 38 for a predetermined period of time, the pulse motor 46 is started and the shutter 47 is opened to take in and convey the card. Then, after a predetermined period of time has elapsed in which the card detector 4 detects the card, the pulse motor 46 stops. At this time, the card is placed in the holding section 35 and held. Next, when the customer realizes that he has forgotten to take his card, the customer presses down the key gate 6 to enter return request input data, such as an ID number, and the input ID number is returned by the card. Information related to the transaction, such as the ID recorded on the card.
If the number matches, the flat motor 36 is activated to return the card held in the holding unit 35, and the card ejection operation is performed, and the above steps are repeated. Therefore, it is possible to reliably and automatically return a card that was forgotten and put on hold to the customer who forgot to take it. Also, if the entered ID number and the ID number recorded on the card do not match, this check can be performed up to 3 times.
If the button does not match even after pressing the button more than once, the transaction will be stopped.

On the other hand, if the next customer presses the item Getan to start a transaction before entering the ID number, the Pulsmoke 46 will start and the previous customer's reserved card will be transferred to the Enges section 3.
6 and the card detector 42 in order, and are collected into the collection warehouse 37. At this time, for example, when a payment operation is performed, normally after pressing the stack button, the next customer's card is taken in in a short time, but the card is taken in the same transport path 3 and in the same direction. and the collection direction are the same, so
The operation of collecting the card of the previous customer and the operation of taking in the card of the next customer can be performed simultaneously by simply rotating the pulse motor 46 in a predetermined direction. Then, once the card is collected, the next transaction step takes place.

As shown in FIG. 6, the dispensing mechanism 22 is divided into two units: a unit device 5 (117) and a second unit R52, and the first unit device 51 on the lower side is equipped with dispensing boxes 5J and 54. 180 with respect to the upper second unit device 52
It is possible to install it in a rotated position.

Above 1. The second unit devices 51 and 52 will be explained based on FIG. That is, the first unit device 5 has first and second cash withdrawal boxes 53 and 54 arranged vertically in the front part (on the right side in the figure), and for example, ten thousand yen banknotes P are placed in the upper cash withdrawal box 53. , and 1,000 yen banknotes P are stored in a cash withdrawal box 54 on the lower side. These, 1st. Second cash withdrawal box 53゜5
4 has a mechanism 55 for taking out the stored banknotes P...
And banknote P... is incorporated with a rosette mechanism 56 that presses it with an appropriate pressure to the ejection mechanism 55 side, and the ten thousand yen banknote p6
1,000 yen banknotes P are selectively taken out.

Further, a first unit device 5 is provided at the rear of the first unit device 5 (on the left side in the figure). A supply conveyance path 57 is formed for supplying and conveying banknotes P selectively taken out from the second cash withdrawal box 53, 54 to the second unit device 52 side. This supply conveyance path 5
7 is a ten thousand yen bill P taken out from the first cash withdrawal box 53...
The first dedicated conveyance path 57 for conveying the money and the second deposit box 5
A second dedicated conveyance path 57b for conveying the thousand yen banknotes P taken out from the first . second conveyance path 57&;
Ten thousand yen banknotes P..., thousand yen banknotes P transported by 57b
It is constituted by a common conveyance path 57c that successively conveys...

The first dedicated conveyance path 57h includes a banknote detector 58 for detecting removal of the ten thousand yen banknote P from the first cash withdrawal box 53, and a second
A banknote 48↓ dispenser 59 for detecting the removal of the 1,000 yen banknote P from the second cash withdrawal box 54 is arranged in the dedicated conveyance path 57b, and a common conveyance path 57c is arranged to detect the stacking and folding of banknotes P. , a bill detector 60 and a bill detector 114 that detect tears and the like are arranged in this order.

Further, the first dedicated conveyance path 57h includes a first conveyor belt 61.6 (only one of which is shown) and a second conveyor belt 62.
, 62 (only one shown), and the second
The dedicated conveyance path 57b is the third conveyor belt 63 * 63 (,
- at the mutually opposing portion of the fourth conveyor belt 64, 64C (only one of which is shown) and the common conveyor path 57e.
are the first conveyor belt 61.61 and the third conveyor belt 63.
．． 63 and the first conveyor belt 61.6
1 and a fifth conveyor belt 65.degree. 65 (only one of which is shown) are formed to face each other.

Each of the conveyor belts 61 to 65 travels in a predetermined direction as the driving force of a motor 67 is transmitted via a power transmission system 68 to some of the rollers 66 on which they are stretched. It is supposed to be done.

Further, the common conveyance path 57e is connected to the front end surface of the first unit device 5. ! After the bill P is conveyed upward along the line, it is conveyed horizontally and backward.

The banknotes P... are placed in the horizontal portion of the common conveyance path 57c.
The 1st. A second banknote discharge section 69,70 is formed. That is, the first banknote delivery section 69 carries out the first banknote transport in the space 7 formed between the folded part of the third transport belt 63.63 and one of the folded parts of the fifth transport belt 65.65. The belt 61, 61 is in a state in which the middle part thereof is pushed in through a pushing roller 72, and a first guide plate z3 is arranged. In addition, the second banknote transport section 70
is the first conveyor belt 65.
The conveyor belts 6J, 6J are supported by rollers 66 along the middle part thereof, and are supported by a second guide plate 74.
It is configured with .

Further, the second unit device 52 is configured as shown in FIG. That is, in the center part in the front-rear direction (the center part in the left-right direction in the drawing) of the second unit and counter device 52, there is a take-in conveyance path 7 for upwardly taking in and conveying the payment banknotes P received from the banknote receiving part 75.
7 is formed. A first vibrator door B is disposed at the end of the take-in conveyance path 77, and when the leading edge of the banknote P reaches the banknote detector 79 disposed in the middle of the take-in conveyance path 77, The banknotes P are switched to be selectively fed into the genuine banknote transport path 80 or the rejected banknote transport path 8 via an r-top actuating device 82 such as a rotary solenoid.

The intake conveyance path 77 is formed by the mutually opposing portions of the sixth conveyor belt 83°83 and the seventh conveyor belt 84.
The genuine banknote conveyance path 80 is formed by a mutually opposing portion of the upper surface of the upper horizontal portion of the sixth conveyor belt F13.83 and the eighth conveyor belt 85.85 that overlaps a part of the upper surface of this upper horizontal portion. . Further, the rejected banknote conveyance path 8 is formed by the mutually opposing portions of the upper horizontal portion of the seventh conveyor belt 84, 84 and the ninth conveyor belt 86, lj6, which partially overlaps the upper horizontal portion. ing.

Each of the conveyor belts 83 to 86 is wrapped around a roller 8.
The driving force of the motor 88 is transmitted to some of the motors 7, .

Further, an impeller 90.90 is provided at the terminal end of the genuine banknote conveyance path 8Q.
are arranged, and the genuine banknotes P conveyed by the genuine banknote conveyance path 80 pass through each blade 90a of this impeller 90.90.
. , conveyor belt 9s for collection, 9
It is arranged to be accumulated on s.

The conveyor belts 93, 9.1, which are used for both dispensing and collecting, are passed around a row 298 disposed near the bill ejection port 1 and a row 299 disposed near the bill receiving section 75, and the bill ejecting belts 93, 9.1 on the upper surface of the conveyor belts 93, 9. A pinch roller 100 is provided on the exit 11 side.
Also, on the banknote receiving section 75 side is a sixth conveyor belt 83.
83 are in a polymerized state.

Thus, the banknotes P- accumulated in the temporary stacking section 91 are moved by the pressing operation of the separating stock (492°) 92 which functions as a pressing body and the selective movement of the dispensing direction or the collecting direction of the conveyor belt 93, 93 which serves both dispensing and collecting. As the bills travel, they are taken out all at once to the banknote outlet 11 side or to the collection warehouse 10 side, which will be described later.

Also, between the pinch roller 100 and the temporary stacking section 51, there is a group of banknotes P to be collectively dispensed to the banknote outlet 1.
- A banknote detector 102 is arranged to detect the rear end and stop the running operation of the conveyor belts 93,93.

Further, a shutter 104 that is opened and closed by a solenoid 103 is arranged between the bill outlet 11 and the pinch roller 100, and a bill detector 105 is arranged on the rear side of the shutter 104.

On the other hand, if the banknotes P... dispensed to the banknote outlet JJ have been forgotten, or if the rejected banknotes P... which have been placed in the temporary stacking section 9 are stacked together. In this case, these banknotes P... are transported to be stored in a collection warehouse 101 provided at the rear of the second unit and meter device 52 via a collection transport path 106. This recovery conveyance path 106 is a conveyor belt 9 for the dispensing/recovery type.
3.93 is formed by the upper surface portion of the ninth conveyance belt 86, the above-mentioned intake conveyance path 77, the rejected banknote conveyance path 81, and the rear lower surface portion of the ninth conveyance belt 86 on which the tenth conveyance belt 107 is superimposed, and this terminal end is It faces the collection warehouse 101.

Further, a second sorting e-) 109 operated by a solenoid 108 is provided near the end of the rejected banknote conveyance path 8 which forms the middle part of the collection conveyance path 106 . Then, the stacked rejected banknotes P... are collected in the collection warehouse 101.
It is arranged in the front part of the bank, and is arranged to sort the banknotes P... which have been conveyed to the ejection warehouse 11θ, and the banknotes P... that have been conveyed to be stored in the collection warehouse 10 by making the collected banknotes P... go straight as they are. .

Further, a banknote detector 111 for detecting the passage of banknotes P on the conveyance path is provided in the middle of the genuine banknote transport path 80, and a banknote detector 111 for detecting passage of banknotes P on the transport path is located in the middle of the rejected banknote transport path 8. A banknote detector 112 that detects the passing of banknotes P on the conveyance path 66 is located in the middle of the recovery conveyance path 66.
13 are arranged respectively.

Note that the banknote detector 28, 29.79°10;! , I
No no, no 12. 113. 11
4 has a well-known structure consisting of, for example, a light emitting element and a light receiving element.

FIG. 7 shows a passbook reading/printing device fi1.23. That is, a pair of optical detectors 121 are provided inside the passbook insertion slot 2 and in contact with the passbook insertion slot 12 . The detector 12 is composed of a light source 122 and a light receiver 123.

A conveyance path 124 extends from the detector 12 into the device 23.
is provided. The conveyance path 124 includes rollers 125.1
Belt I26 stretched between 25, pinch roller L,
27 and upper and lower guide plates 128 and 129.

In addition, the guide plate 128 is provided with a reader 148 that optically reads the first mark and the final print mark indicating the page number of the inserted page of the passbook, and the guide plate 12g is provided with the data of the magnetic stripe of the passbook. A magnetic head 47 for reading is provided.

The pinch roller 127 is connected to the roller 125 by the spring 130.
The roller 125, which is biased to the side, moves through the belt 131! It is driven by a russ motor 132. A platen 133 is provided, which is positioned such that its peripheral surface protrudes above the transport reference surface S of the transport path 124.

In front and behind the platen 33, there is a pair of presser guides 13 that hold down the bankbook that is tilted upward toward the platen 133.
4 is provided. Furthermore, a printer 135 is provided opposite the platen 133 via the conveyance path 124. This printer 135 has 1 printing head 1. y6 and the carriage 13 that moves parallel to the grating 133 along the slide rod 137 while holding this head 136.
It consists of 8. This carriage 138 is driven by a pulse motor (not shown). Furthermore, a journal paper 139 is wound around the platen 133. - The paper sheet 139 is wound and held on the delivery shaft 140, and is wound onto the take-up shaft 141 via the platenno 33. The journal paper 139 is pinched and conveyed by a feed roller 142 and a pinch roller 143 opposite thereto. The pinch roller 143 is fed by the spring 130.
It is urged toward the roller 142. Shirolano 4
2 and the winding shaft 141 are driven by a pulse motor 146 via belts 144 and 145. In addition, the winding shaft 1
41 rotates at a higher speed than the feed roller 142, and when the load becomes heavy, the bell 745 slips.

FIG. 8 shows an envelope processing device. That is, the envelope issuing device f! ! ! , 150 are provided.

This envelope issuing device 150 issues envelopes one by one to contain cash for deposit, and cannot be removed except during a deposit transaction. As shown in FIG. 9, the envelope issuing device 150 has a spring 152.
A push plate 53 is provided which is pressed by the push plate 52, and an unused envelope is placed on this push plate 153. At both ends of the handle 8 are shafts 1 that are slidable through openings 154.1-54 provided in the customer service section 3.
56.156 is fixed at one end. The shaft 156,
156 is a support 1 provided above the hopper 15
It is slidably supported by 52°157. An envelope take-out plate 158 is provided so as to span between the other ends of the shafts 156, 156. The envelope take-out plate 15g has an L-shaped configuration, and its width approximates the thickness of an envelope. A lock pawl 168m is provided on the upper part of the envelope take-out plate 158. Further, a solenoid 159 is provided on the right side of the hopper 15 in the drawing.
shows the granger 160 in response to its excitation as indicated by arrow a
It moves up and down in the +b direction. A connecting lever 161 is connected to this granger 160, and this connecting lever 161 is connected to the protrusion 15 on the lock arm 155.
It is connected to 5IL. One end of the lock arm 155 is adapted to engage with the lock pawl J58&, and the other end is connected via a spring 162 to a plate 163 fixed to the hopper 15. The lock arm 155 has a protrusion 16 provided on the plate 163.
3 & as a fulcrum, it rotates in the directions of arrows c and d in the figure as the connection lever 161 moves. In addition,
After the handle 8 is pulled out, the handle 8 is returned to its original position automatically by a spring (not shown).

Furthermore, an envelope accommodating section 164 is provided inside the envelope insertion opening 9. That is, 165 is a transport path for envelopes inserted from the envelope insertion opening 9. This conveyance path 165 is composed of a plurality of conveyance roller pairs 166, ... and upper and lower guide plates 178 and 179, and a shutter mechanism 167 and a printing section 168 are arranged in order from the envelope insertion opening 9. 169
is facing. Furthermore, a thickness detector 200 is provided on the transport roller pair 166 near the envelope insertion opening 9 to detect whether or not the thickness of the envelope exceeds a specified value as the pinch roller 174 moves. Note that 170, 171 and 172 are envelope detectors, which are well-known circuits consisting of a light-emitting element and a light-receiving element. The transport roller pairs 166, . . . are each driven by a drive roller 173.
and a pinch roller 174. A conveyor belt 175 is wrapped around the drive roller 173, and the pinch roller 174 is in rolling contact with the drive roller 173 via the conveyor belt 175. In addition, the drive 4υ roller 17
3) is adapted to be driven by a 4 Lu smoke 176. The shack mechanism 167 opens and closes the conveyance path 165 by protruding and retracting a shutter 777 between the envelope insertion opening 9 and the pair of conveyance rollers 166.

The printing section 168 is configured as shown in FIG. That is, an index stamping part 180 is provided in which numbers are stamped on the outer surface of the circumference. This index stamp part 180 is guided by guide rollers 18, . . . . The index stamping section 180 is configured to move up and down by the rotation of the cam plate 182 about the shaft 182a as a fulcrum. A connecting lever 183 is attached to the projection 182b of this cam plate 182.
The connecting levers 183 are urged in the directions of arrows 184 and 183 in the drawing by a spring 184 connected to one end thereof, and a grand shear 185 is connected to the other end thereof.

This ground gear 185 is adapted to move in the directions of arrows g and h shown in the figure by excitation of a solenoid 186. When the envelope detector 171 detects the leading edge of the envelope, the pulse motor 176 is stopped and the solenoid 186 is operated to move the index stamping unit 180 and stamp the envelope, and then the pulse motor When the envelope detector 172 detects the tip of the envelope by driving the pulse motor 176, the pulse motor 176 is stopped again and the envelope detector 172 is driven.
By operating the index stamp section 180, a stamp is stamped on the envelope.

The storage hopper 169 sequentially stores the envelopes supplied from the transport path 165, and has an ID plate 187 and a mounting table 188. member 189 and holding member 189
It is constituted by a spring 90 that biases in the direction of arrows i and j shown in the figure.

FIG. 11 shows the shutter receiving mechanism 1 of the curved shutter 15.
This shows the number 9. That is, the curved shutter 1
5 is in the shape of a part of a cylinder having a certain curvature, and is held by a pair of rollers 192 and 192 inside the housing 1, and is inserted into the housing 1 through the opening 5a of the vertical operation panel 5. The inside and the customer service section 3 are slidably provided.

On the other hand, a partition plate 193 provided approximately in the center of the housing 1
A DC motor (drive unit) 194 is fixed on the top.

A rubber roller 195 is fixed to the rotating shaft of this DC motor 194, and a rubber roller 196 is attached to this rubber roller 195.
are connected. The rubber roller 196 is connected to a transmission member 15 provided at a portion of the lower portion of the curved shutter 15, such as a glass plate. For this,
According to the rotation of the DC motor 194, the curved shutter 15 moves in one direction as indicated by the arrow in the figure. When the curved shutter 15 covers the customer service surface 3, a detector 197 for detecting the closure of the curved shutter 15 is provided near the end of the housing 1, and a locking mechanism 198 for locking the curved shutter 15 is provided. When the curved shutter 15 is housed in the housing J, a detector 199 is provided near where the end of the curved shutter 15 is located to detect whether the curved shutter 15 is completely open. The detectors 197 and 199 are configured, for example, by microswitches, and are turned on or off by the curved shutter 15.

The locking mechanism 198 locks the opening 1 of the curved shutter 15.
Fitting member 198m that fits with 5m.

The fitting member 1911*f moves up and down, that is, the arrow 0 shown in the figure
It is constituted by a solenoid 198b that moves in the direction 1p.The shutter receiving mechanism 19 is arranged between the menu unit and the unit or between the unit and the partition plate.

FIG. 12 schematically shows the electric circuit. In other words, the main control unit 201 controls the entire system, and the main memory 202 is, for example, a ROM (read-only).
The print controller 203 outputs a print card corresponding to the English pattern in the memory 204 based on a signal from the main control unit 20, or The driver 206 is to output print data according to the Japanese i9 turn in the memory 205, and the driver 206 is to drive the printer 135 in the passbook reader 11 character device 23 according to the print data from the print roller 203. Reference numeral 207 drives the printer in the slip issuing device 25 in accordance with print data from the print controller 203. Operation/guidance print controller 20
101 of the main control unit 201 outputs display data according to the Japanese pattern in the memory 209 or the English pattern in the memory 210, and the key is the - key 6. Operation data or voice corresponding to the key input is displayed. The driver 21 outputs a selection signal, and the driver 21 outputs a selection signal according to display data or operation data from the operation/guidance controller 208.
This is what drives the RT fi indicator section 1. The speech synthesizer 212 receives control signals from the main control unit 201 or operation/
By outputting an audio signal corresponding to Japanese audio data or an audio signal corresponding to English audio data to the speaker 216 via the full amplifier f215 in accordance with the audio selection signal from the guidance controller 208, the audio is output from the speaker 216. This will generate a guide fee. This speaker 2
16 is housed inside the curved shutter 15, so rain,
Prevents wind and extends life. The driver 211 controls the motor 18 according to the open and close signals from the main control unit 201.
3 in the forward or reverse direction, and also drives the motor 183 in response to the detection signal from the flow detection circuit 218! Ill or stop. The current detection circuit 218 is for detecting the driving &II'#IL flow of the driver 217, and when the motor 18B'z-forward direction is being driven in the m direction shown in the figure, and when the motor 18B'z is being driven in the forward direction m direction, and when the reverse direction is being driven in the direction n shown in the figure. 'd flow detection is performed at a different detection level depending on when the motor is being driven.

On the other hand, the main control section 201 controls the curved shaft.

When the shutter 15 is closed and the foreign object detector 18 is detecting a foreign object, the timer circuit 219 is activated, and after a predetermined time elapses, a time alert signal supplied from the timer circuit 219 is used to generate a closing signal for the curved surface shutter 15. is output to the driver 217. The main control unit 101 also performs data transmission with the central processing unit 22 via a modem 220. The central processing unit 221 includes a modem 222. which controls data transmission. It consists of a host computer 223° that controls data processing and a transaction information file 224 that files transaction information.

The speech synthesis device 212 will be explained in detail using FIG. 13. That is, the selector 230 is Japanese from the operation/guidance controller 20B.

Main control unit 20 according to selection 1d to select English audio gold
This is to output the start address of the voice to be generated supplied from 1 to the memory 231 or 232.

The memory 23 contains data consisting of four types of voice parameters corresponding to various Japanese voices, such as the fundamental frequency for custom-made vocal tract, voiced/unvoiced sound, and sound source amplitude.
(The memory 232 is in various languages);
It stores data consisting of four sound parameters corresponding to the sound of u, such as the fundamental frequency representing all vocal tract characteristics, voiced/unvoiced sound, and sound source amplitude.

The outputs of the memories 231 and 232 are supplied to a decoding circuit 234 via an interface circuit 233. This decoding circuit 234 converts the supplied audio meter to a serial number by decoding and tables corresponding to each meter. The output of the decoding circuit 234 is output to an interpolation circuit 235. This interpolation circuit 235 performs voice no! The parameter is updated periodically, and in order to change each audio parameter smoothly without extreme changes when moving from one update period (one frame) to the next, one Approximate linear interpolation is performed at any number of points within a frame. The sound source information output from the interpolation circuit 235 is the sound source information output from the sound source circuit 2.
36. The sound source circuit 236 outputs a periodic noise signal (white noise signal) as a sound source signal in accordance with the supplied sound source information. The output of the sound source circuit 236 is supplied to a digital filter circuit 237, and the digital filter circuit 237 receives the audio signal by adding the correlation removed in the analysis process from the interpolation circuit 235 according to the filter coefficient. are synthesized, for example, a pipeline multiplier (not shown),
This is a well-known device consisting of an adder/subtracter and a delay circuit. The above digital filter circuit 237
Each pit output is output from a digital to analog converter (D/A
converter) 238. This D/A converter 238
The synthesized audio signal converted by the amplifier 21
5 and is supplied to a speaker 216, where the corresponding sound is generated.

FIG. 14 shows the electric circuit of the receiving mechanism 191 marked -I. That is, both ends of the AC power supply 240 are connected to the DC input terminals of the rectifier circuit 24 . The positive side DC output terminal P of this rectifier circuit 241 is connected to NP via a resistor 242.
Connected to the collector of N-type transistor 243. A constant voltage circuit 244 is connected between the base of the transistor 243 and the negative DC output terminal N of the rectifier circuit 241. A series circuit consisting of a resistor 245.24fl is connected between the emitter of the transistor 243 and the output terminal N;
Said dry nozzle 21r1 and resistor 247,248,2
A series circuit consisting of 49 is connected. The output end of the constant voltage circuit 244 is connected to the connection point of the resistors 245 and 246. The driver 217 drives the motor 183 in the forward or reverse direction in response to the opening/closing drive signal from the main control section 201, and also drives the motor 183 in the forward or reverse direction.
The motors 1 and 3 are stopped in response to the output signals from the motors 4 and 4. The switching connection 2501 of the changeover switch 250 is connected to the connection point of the resistor 247.2411, and the changeover contact 2508 of the changeover switch 250 has the resistance 248
．． 1149 connection point.

The changeover switch 250 is switched by an opening/closing drive signal from the main control section 201. On the other hand, a resistor 251 is connected between the output terminals P and N, and a resistor 252 is connected between the collector of the transistor 243 and the output terminal N.

A differential amplifier 2 is connected to the connection point between the output terminal P and the resistor 251.
The non-inverting input terminal of 53 is connected to the differential amplifier 253 with
The connection point between the collector of the transistor 243 and the resistor 252 is connected to the inverting input terminal of the transistor 243 . Differential amplifier 2 above
53 outputs a value obtained by subtracting a predetermined current value from the current value in the resistor 242. Differential amplifier 2 above
The output terminal of 53 is connected to the inverting input terminal of the differential amplifier 254, and the movable contact 2503 of the changeover switch 250 is connected to the non-inverting input terminal of the differential amplifier 254. The output terminal of the differential amplifier 254 is connected to the input terminal of the driver 217. Note that the output of the differential amplifier 254 is supplied to the main control section 201VC as a stop signal.

Next, in such a configuration, FIG. 15 (&) to (r
The operation will be explained with reference to the flowchart shown in ).

For example, the first thing a customer should do is "Please insert your card or passbook" displayed on the CRT display section 7.
Insert the card into the card insertion slot 13 while looking at the operation guide (STI) (8T2). Then, the data on the magnetic stripe of that card is transferred by the magnetic helad 34 ff
fi is taken and supplied to the main control unit 201. After this, the main control unit 20 checks the validity of the card (8
T3). At this time, when the main control unit 201 determines the validity of the card, it outputs an issue signal to the print controller 203. Then, the print controller 203 reads nine turns of characters corresponding to the account number, bank code, and branch code read by the card reader 2 from the entire memory 204, and outputs the display pattern to the driver 206.

Accordingly, the driver 206 uses the printer 135 in the passbook reading/printing device 23 to transfer the above data to the journal paper 139.
(8T4).

When the main control unit 201 determines the validity of the card (8T5), it energizes the solenoid 191jbf and moves the fitting member 198hf upward, thereby causing the fitting member 198a to close to the opening 15b of the curved shutter 15. will not mate. As a result, the opening of the first curved surface 15 is released. Thereafter, the main control unit 2θ1 outputs a drive signal to the dry nozzles 217 to move the motor 194 to the direction indicated by the arrow m.
Rotate in the direction. Then, the rubber rollers 195 and 196 rotate due to the rotation of the motor 194, and the curved surface roller 1
5 moves in the direction of the arrow (8T15). Furthermore, when the main control unit 20 determines that the card is invalid (Sr5
), the CRT display section 7 displays the message "Card will be held" 5T6)% The card is taken into the aircraft or the card is returned to the passenger (Sr7).

By the way, the customer is not able to see the message displayed on the CRT display section 7
Insert the passbook into the passbook insertion slot 12 while following the operation guide (STI) "Please insert your card or passbook" (
Sr1). Then, the data on the magnetic stripe of the passbook is read by the magnetic head 147 and sent to the main controller 20.
supplied to. Also, at this time, the page mark indicating the negative number of the page inserted by the customer and the last printed line are displayed on the reading unit 14.
8 and supplied to the main control section 201. As a result, the main control unit 201 checks the last printed line, and determines whether the page has end-of-line printing for all lines, ``r:'' has been printed up to the middle line, or ``b'' indicates that all lines have been printed. (8T9), that is, the first
As shown in FIG. 5(r), it is determined whether or not the last printed line read by the reading unit 148 is a usable page (8T27).
1). If the page is unusable, regardless of the negative number of the magnetic stripe, it is determined whether the page printed up to the middle line is a new page (ST272). At this time, if the last printed line is the last line, the main control section 201 displays the operation guide "Please insert the passbook on the next page" on the CRT display section 7 (ST276). Also, at this time, the main control unit 201
5T277), the number of pages on the magnetic stripe should be updated by the magnetic head 147. 5T278
), the passbook insertion slot 12 ejects the passbook (ST279
). On the other hand, in determining whether it is the new b page or not (8T27
2) When determining that the page has not been printed and is a new page, the main control unit 201 determines whether the negative number on the magnetic stripe matches the negative number on the page mark (ST273).
. If they do not match, the main control unit 201 causes the CRT display unit 7 to display the operation guide “Please insert passbook qf4 on the previous page” (sT274), and inserts the passbook into the passbook insertion slot 12.
(8T27B).

As shown above, if a page with all rows blank is inserted and the negative numbers on the magnetic stripe and the negative numbers on the page mark do not match, the passbook should be returned to the customer, then the previous page should be opened and reinserted. If all lines of the previous page have been printed, the negative numbers on the magnetic stripe are rewritten to the next page, and the passbook is returned to the customer again. Next, when the customer opens and inserts the next page, the negative number on the magnetic stripe matches the negative number on the page mark, and the shell is judged to be legitimate and can be traded. As a result, at financial institutions where automatic transaction devices with magnetic stripe writing functions and automatic transaction devices without such functions coexist, customers mistakenly open the wrong page. It is possible to avoid the loss of continuity in passbook printing that occurs when the passbook is inserted.

If the main control unit 201 determines that the page is a usable page (ST271), or if it determines that the negative number on the magnetic stripe matches the negative number on the page mark (ST27).
3) %Next Step ``1υ Format Check (STII)
It is now possible to proceed to

By the way, when the main control unit 201 checks the bankbook, it outputs an issue signal to the print controller 203. Then, the print controller 203 controls the magnetic head 1.
The character number turns corresponding to the account number, bank code, and branch code retrieved in step 47 are read from the memory 204, and the display pattern thereof is output to the driver 206. For this,
The driver 206 causes the printer 136 in the bankbook reading/printing device 1li23 to print the above data on the journal paper 139 (8T10).

When the main control unit 201 determines the format of the passbook and the validity of the passbook (5TII, 12), it operates in the same manner as in the case of the card described above to open the curved shutter 15f ((S
T15). In addition, if the format of the passbook is incorrect, there may be an error in the insertion direction of the passbook, an illegal homepage, no page marks, etc.
If a page error occurs, and the main control unit 201 determines that the passbook is fully usable (ST31), the main control unit 201 displays the entire guide on the CRT display unit 7 that the passbook is fully usable (ST3).
2) Eject the passbook from the passbook insertion slot 12. Also,
When the main control unit 201 determines that the passbook cannot be used and is not a new page (ST31.34), it displays the operation guide “Please reinsert the passbook” on the CRT display unit 7 (ST31.34).
ST35) The passbook is ejected from the passbook insertion slot 12.

Furthermore, when the main control unit 201 determines that the passbook cannot be used and the page is new (5T31, 34), it displays an operation guide on the CRT display m [press 7 to reinsert at the previous page] (ST36). )% passbook is ejected from the passbook insertion slot 12. Next, when the customer takes out his passbook in response to the above-mentioned operation guidance (8T33), the system waits for the customer again (S
Return to TI). However, if the passbook is not removed by the customer even after a predetermined period of time has elapsed since the passbook was ejected, the pickpocket main control unit 201 controls the timer circuit 201 when the passbook is ejected.
19 is activated, and when the extraction signal is not supplied from the light receiving element 123 in the passbook reading/writing device 23 within a predetermined time, a passbook collection operation to be described later is performed. In addition, the main control unit 2
01 determines that the passbook is invalid (ST12),
The CRT display section 7 displays the message "Passbook will be held" (5T13), and either the passbook is taken into the aircraft or the passbook is returned to the passenger (ST14).

Next, the main control section 20 causes the CRT display section 7 to display an operation guide saying "Please enter your password" (ST16). When the customer inputs his/her personal identification number using the keypad (ST17), the signal is output from the operation/guidance controller 201J to the main control section 201.

Thereby, the main control unit 201 checks whether the password read by the card reading device 21 or the password read by the bankbook reading/printing device 23 matches or is related to the password input by the keyboard 6 (ST18). If they match, or if the relationship satisfies predefined rules, the main control unit 20 determines that the customer is the correct holder of the card or bankbook, and checks whether the retry counter is "3" or not. 5T19), Reset the retry counter to "3" when not r3J 5T20), "
3”, proceed to the next step. In addition, when there is no match or there is no relationship, the main control unit 201
counts down the retry counter L, (S T21
), check whether the retry counter is "o" (
ST22). When rOJ, the main control unit 201 rewrites the retry counter 'i rOJ (5T23), CRT
The display section 7 displays the message "Card or passbook will be held" (ST24), and the card or passbook is collected (ST25-27). When the retry counter is other than rOJ, the main control unit 201 displays on the t-CRT display unit 7 the operation guide ``The RIIF ID is incorrect. Please enter the PIN again or press the cancel button.'' (ST28 ). When the cancellation button is input, the main control unit 20 rewrites the retry counter (8T30).

Next, a card or passbook removal operation, which will be described later, is performed. When the password is input again, the operation starts again from step 17.

Then, after rewriting the retry counter to "3" (
ST20), the main control unit 201 checks whether the card is a card or not, and in the case of a transaction using a card, transmits the account number on the magnetic stripe of the card and the representative account of multiple loci to the host computer 223. (ST35).

Then, the host computer 223 stores the transaction information file 2.
A plurality of account numbers corresponding to the representative number stored in 24, the account type for each account number, and an account status signal are transmitted to the main control unit 201. As a result, the main control unit 201 receives these messages (5T36) and determines the entire status of the account (ST37). When determining that the status is that the transaction is completed until the final notification ("40#"), the main control unit 201 checks whether the account number is 1 (ST38).
). In the case of multiple accounts, the main control unit 201 causes the CRT display unit 7 to display an operation guide such as "Please select a trading account from the accounts below", an instruction to use the trading account selection key, and money, as shown in FIG. 16, for example. (Sr39). This type of display is defined as a multi-account system. This multi-account system eliminates the need for customers to have multiple cards and allows them to easily select their desired account. At this time,
If an account is not selected for a predetermined period of time or more, a card collection operation, which will be described later, is performed. In addition, when the main control unit 201 determines that the account status in the message is a failed transaction ('42''), the CRT transaction processing unit 7 determines that the cause of the failed transaction is that the υ account cannot be found or that the card has been stolen. , ``Request yesterday cannot be made'' is displayed (Sr41).

Furthermore, the main control unit 201 checks whether the card collection flag in the message is 11" or 10' (5T42), '"
1" to collect the card (8T43), and when "O", the card is ejected from the card insertion slot 13. At this time, when the card is removed by the customer (5T44), the card is returned to the waiting room for the next customer. When the card is not taken out for a predetermined period of time or more, a card collection operation to be described later is performed.

Then, the customer selects the trading account displayed on the CRT display section 7 (8T40), and if there is only one trading account,
Alternatively, if a passbook is inserted, the main control unit 201
The RT display section 7 displays the guidance "Please select a transaction type" and also displays the selection key for the transaction type corresponding to the transaction account (Sr45.46
).

For example, if the transaction account is a savings account, as shown in Figure 17, there will be ``payments, deposits, transfers, balance inquiries, statement requests, checkbook requests'', and if the transaction account is a car savings account, ``payments, deposits, photo shoots''. For credit accounts, select "Borrowing, cash return, transfer return, statement request", for one passbook, select "Payment, deposit, one exchange transfer, two passbook entries, two passbook requests". Instructions for each key will be displayed. In this way, by allowing selection of only transaction items that can be changed depending on the account type associated with the account number or whether or not a passbook is used, it is possible to prevent the user from selecting the wrong transaction item as much as possible. When this selection is displayed, if the customer does not select a trading account even after a predetermined period of time has elapsed,
A card or passbook collection operation, which will be described later, is performed.

Then, the customer selects the transaction item to be displayed on the CRT display section 7 by inputting the keyboard 6 (Sr.
17). At this time, the main control unit 201 checks the selection (Sr48) and also checks whether the selection is valid (Sr49).

If the selection is not valid, if an abnormality in the server's wear, a banknote, the end of an envelope, or a cup is detected, the main control unit 20
1 is the information displayed on the CRT display section 7 that says "Cash will be released, please press the cancel button"(Sr50);
``Unable to proceed with the request, please cancel the request'' is displayed (Sr51)
.

When the condolence customer inserts the cancellation button according to this guidance (Sr12), the next step is to remove the card or passbook, and if the cancellation button is not inserted after a predetermined period of time, the card or passbook will be collected. An action is taken. The above-mentioned take-out operation is as shown in Fig. 15←).

That is, the main control unit 201 displays a cleaning guide on the CRT fi display 7 that says ``Please remove the bankbook or card'' (5T183), ejects the card from the cart insertion slot 13, or inserts the bankbook into the insertion slot 12. The customer takes out the cart or bankbook according to the operating instructions (ST185, 186).

As mentioned above, if the transaction becomes impossible to continue during the transaction, the customer inserts a cancellation zetan and then returns the passbook or card. The content must be read to ensure that the customer is informed of the reason for the suspension of the transaction.

When the key 6 corresponding to payment is pressed when selecting a transaction item, the main control unit 201 checks whether a card is inserted (5T53), and if it is a card, the status of the account number is sent as a status signal in the message. Do something (5T)
54). If the status signal is an account for which payment is not allowed (I
5T65), "2"
In the case of X=, a message saying "This is not recognized as a regular deposit" is displayed (ST69). After these instructions, if no operation is performed for a predetermined period of time or more, a card return operation is performed. However, if you press the cancel button after the above guidance (
ST66), the main control unit 201 returns the card.
5T67) and eject the card into the card insertion slot 13. During this discharge,
When a customer takes out a card (5T68), the system waits for the next customer, and if no card is taken out for a predetermined period of time, a card collection operation described later is performed. In addition, if the account is one that allows payment but is not a credit account, or if a passbook is inserted, the main control unit 20
RT fi information section 7 Displays the operation guide ``Please insert the amount'' (5T55).

Thereafter, when no operation is performed for a predetermined period of time or more, a card or passbook collection operation is performed.

Then, when the customer inputs the payment amount into the key gate 6 (ST56), the main control unit 201 checks whether the payment amount exceeds the limit (5T57), and if it exceeds the limit, the CRT display 7 displays [Amount The operation guide ``The limit has been exceeded, please input the amount again'' is displayed (ST58). Also, if the amount does not exceed the limit, check whether there is a 1,000 yen bill in the withdrawal box in the main ffr control unit 2θ 5T63), and if not, check whether it is in units of 10,000 yen 5T60). 15,022
Please check whether the amount cannot be paid in units of 1,000 yen, such as 100 yen (5T63), and if the amount is incorrect, the CR7 display section 7 should display the operation guide ``Please input in units of 1,000 yen'' (5T64), 1 If the unit is not in units of 10,000 yen, please select units in units of 10,000 yen on the CRT display section 7.'' is displayed (ST61). When the main control unit 201 determines that the customer has inserted the cancellation button in accordance with the above guidance (8T62), the operation is performed again by removing the card or passbook and inserting the amount using the keypad (ST56). It will be done.

On the other hand, if the total amount is correct or is in units of 10,000 yen, the main control section 201 causes the CR7 display section 7 to display an operation guide saying "Please check and confirm the payment amount" (ST70). After this, when the next insertion is not performed for a predetermined period of time or more, a collection operation described later is performed, and when a cancellation item is inserted (ST71), a removal operation is performed.

And li! When the approval button is pressed or when borrowing from a credit account, the main control unit 20 communicates with the host computer 223 (5T
72).

In this way, in the case of a credit account card, the amount of one payment is a fixed amount, for example, 50,000 yen, which is registered in advance in the transaction information file 224 in the central processing unit 221. The staves are hidden and lagged to make it easier for customers to operate.

In other words, in the above communication, as shown in FIG.
f30), transmit transaction data to host computer 223
At this time, the main control unit 201 causes the print controller 203 to print the contents, amount, and transaction details of the -1:9 magnetic stripe on the journal and slip before printing 1g of the transaction. When the signal is output, the print controller 2θ3 outputs a character pattern corresponding to the signal from the memory 204 and outputs the display pattern to the drivers 206 and 207.This allows the driver 206 to read and print the passbook. The above data is transferred to the journal paper 139 using the 70 printer 135 in the device v23.
The driver 2θ7 causes the slip issuing device 25 to print the above data on the slip (ST232). After that, transaction information and a message are transmitted from the host computer 223, and the main control unit 201 receives them (ST2
33). Then, the main 1b control unit 201 decodes the message and concludes the transaction ("40") with the final message l.
), the transaction was completed until the message was sent ('41''), the transaction was completed quickly)
("42") is decoded (ST234).

The main control unit 20 also determines whether the message includes print information for the slip (5T235), and if the print information is included, the print controller 20
The print information is output to 3. As a result, the p1 print controller 203 transfers the print information to the driver 207.
is used to print on the slip (ST236). Next, the main control unit 201 determines whether the print information for the passbook is included in the message (5T239), and if the print information is included, the print controller 203
Outputs the print information to. Thereby, the print controller 203 prints the print information on the passbook using the driver 206 (ST240).

Next, the main control unit 201 judges whether the inserted page of the passbook can be used sufficiently (ST241), and if it can be used enough, it updates the magnetic stripe data (ST242).
). Furthermore, the main control unit 201 determines whether a turn page is necessary by checking whether the page has been printed up to the last printing line 5T243), and if a turn page is required, it determines whether the passbook is sufficiently usable 5T244). Only when it cannot be used, perform the negative turn operation described later (5
T245).

In other words, when printing up to the last line of a page while printing a passbook, and there is still print data left, the main control unit 201 drives the magnetic head 147 to change the negative number of the magnetic stripe to the next page. 5T250), the CR7 display section 7 displays the operation guide "Please insert the next page of the passbook", and the passbook is ejected through the passbook insertion slot 11. Thereafter, when no operation is performed for a predetermined period of time or more, a passbook collection operation is performed. When the customer reinserts the passbook on the next page according to the above guidance (BT252゜253), the main control unit 201 checks whether it is the same passbook (5T253), and if it is determined that it is not the same passbook (ST254), the deposit At the time of transaction (ST
266), envelope collection (8T267) and slip release (ST2
68) and release slips (ST26) for transactions other than deposit transactions.
8) is performed. When this slip is released, if the slip has already been printed, "cancellation" is printed on the next line. The purpose of this is to make it clear to customers and staff that the slip is invalid, and to avoid unnecessary trouble.

Then, the main control unit 201 determines that the bankbooks are the same.
T254), when it is determined that a passbook has been inserted with the page on which the same number of page marks as the negative number of the magnetic stripe are written (ST255), the turn page ends. However, the main control unit 20 determines that the set d-ji has not been inserted, and displays "reinsert passbook" on the CR7 display unit 7 until the determination is made three times in a row, and prompts you to do it from the Stella F251. I have to. However, when the correct page is not inserted three times in a row, the main control unit 201 checks whether or not it is a deposit (8T258), and if it is a deposit, displays the message "Eject the envelope." If the customer takes out the envelope (ST260) or if it is determined that the transaction is other than a deposit, the main control unit 20 causes the slip to be ejected from the slip takeout port 10.As a result, the customer takes out the slip. (ST261), the main control unit 201 causes the CRT display unit 7 to display a cleaning guide that says ``Passbook cannot be accepted and will be ejected'' (ST262). If no operation is performed after a predetermined period of time when the envelope ejection or passbook ejection is displayed, a passbook collection operation is performed.

According to the above operating instructions, when the customer takes out their passbook (8T2
63), the main control unit 20 determines that the turn page has not been completed (ST264).

When the main control unit 201 determines that the above-mentioned turn page has ended (S'r246), when it determines that a turn page is not necessary (ST243), or when a request for a passbook, checkbook, or statement request is made, When making the determination (ST238), main control section 201 assumes that the transmission and reception have ended normally.

As a result, the main control unit 20 determines that a transaction has been received.
T73), withdrawal al! A withdrawal signal is output to the system 22. Then, the withdrawal mechanism 22 moves to the first and second withdrawal boxes 53.
The banknotes P taken out from the banknotes 54 are stacked in the temporary stacking section 9.

That is, 1st. The banknotes P taken out from the second cash withdrawal box 53.54 through the withdrawal mechanism 55.55f are detected by the banknote detectors 58.59 disposed on the respective dedicated conveyance paths 57m and 67b. . This detection signal causes a counter (not shown) in the main control unit 201 to count up, and then the banknote is discriminated by the banknote detector 60 disposed on the common conveyance path 57c, and further conveyed to the second banknote discharge unit 70. It is carried out to the second unit device 52 side.

Banknotes P sequentially carried out to the second unit device 52 side
... are taken from the banknote receiving section 75 into the take-in conveyance path 77 and conveyed, and when the leading edge of the banknote P is detected by the banknote detector 79, if it is a genuine banknote P with no overlap, it is the first banknote P. The digging gate 78 falls to the left and is fed into the genuine banknote transport path 8θ. Then, it is conveyed onto the temporary accumulation part 91 via the impeller 90.90, and is separated from the impeller 90.90 by contacting the ends <i of the separating stock 492, 92, and falls downward, in the counter-dispensing direction. Since the banknotes P are nested with the conveyor belts 9.9 and 93, which are running for both dispensing and collecting purposes, the banknotes P... are stacked in an orderly manner with their edges aligned.

In this way, all the banknotes P... whose finger amount has been taken out from the withdrawals $43, 44 and accumulated in the temporary stacking unit 91 are genuine banknotes υ without stacking, and moreover, the main control unit 201 has a counter. If the count result matches the set amount, the conveyance of the conveyor belt of the dispensing conveyance system is temporarily stopped. At this time, the rotation of the impellers 90 and 90 is also stopped due to the stoppage of the conveyor belt of the dispensing conveyance path system.

At the same time that all the banknotes to be paid are accumulated in the temporary accumulation section 91, the main control section 201 displays an operation guide on the CRT display section 7 saying, ``You can pay 1, please take the slip.'' (ST76).

Next, the customer follows the instructions and takes out the slip (ST
76). In response to this removal, the main control unit 201 determines whether the transaction is a card transaction (5T77), and if the transaction is a card transaction, please remove one card from the CRT fi display unit 7.''
This operation guide is displayed (ST77'). Next, the customer takes out the card according to the instructions (ST78)
).

At this time, if the card is not removed for a predetermined period of time or more, a collection operation to be described later is performed. In addition, in the case of transactions using a passbook,
The main control unit 201 determines whether the passbook is usable enough or not, and if it is not usable enough, the CRT display unit 7 displays [Please take the passbook].
(8T81), and if the passbook is usable enough, the CRT display section 7 displays the full operating guide "The passbook is fully usable, please take the passbook" (ST82).
). Next, the customer takes out his passbook according to the instructions (5T83). At this time, if the passbook is not taken out for a predetermined period of time or more, a collection operation to be described later is performed.

Then, in response to the withdrawal of the card or passbook, the main control unit 201 causes the CRT display unit 7 to display the operation guide “Please take cash” (ST79), and outputs a cash discharge signal to the dispensing mechanism 22. do. Then, in the dispensing mechanism 22, the separating stock A92.92 rotates, and the banknotes P... accumulated in the temporary accumulation section 91tlC are pushed onto the conveyor belt 93.93 which also serves as payout and collection. runs in the dispensing direction, and the temporary accumulation section 9
1, the banknotes P... are taken out all at once and conveyed to the banknote outlet 11 side.

Then, when the leading edge of the banknote P... is detected by the banknote detector 105, the shutter 104 is opened by the solenoid 1θ3, and when the rear end of the banknote P... is detected by the banknote detector 1θ2, the conveying operation is stopped, and the banknote P...・The tip is bill ejection port 1
1 protruding state and i & end side or conveyor belt 93.93
A payout is made to the customer while being pinched by the pinch rollers 100 and 100. (ST84). After this, the main control unit 20 performs cumulative processing of transaction data (ST85
). Then, when the customer takes out υ cash (ST8
6) The main control unit 201 ends the transaction and waits for the next customer. At this time, if the cash is not taken out even after a predetermined period of time has elapsed, the main control unit 201 collects the cash (S
T87).

As mentioned above, if the card or passbook is not removed even after a predetermined period of time has elapsed after the card or passbook has been ejected, the victim may have forgotten to remove the card or passbook and returned home. In this case, the main control unit 201 controls the card reading device 2 or the passbook reading/printing device 23 and the print controller 20.
3. Output a collection signal to the dispensing mechanism 22. For this,
The card reading device 21 or passbook reading/printing device 23 takes the card or passbook into the machine, collects it in the collection warehouse,
Print controller 203 is driver 206.207
Passbook using.

"Cancellation" is printed on each slip and journal, and the dispensing mechanism 22 removes the banknotes P and banknotes accumulated in the temporary accumulation section 91.
. . are stored in the banknote rejection warehouse 110. In this way, all of the various media are collected or released and the next transaction is ready. However, even though the transaction information in the transaction information file 224 of the central processing unit R22 has already been updated, the cash for the transaction for the customer - has not actually been delivered to the customer. For this reason, the main control unit 201
23, a message canceling the previous transaction is sent. At this point, the host computer 223Fi returns the transaction information in the transaction information file 224 for that customer to the state before the transaction.

Furthermore, if the customer does not withdraw the cash even after a predetermined period of time has elapsed since the cash was discharged to the bill withdrawal port 11, the main control section 201 outputs a collection signal to the dispensing mechanism 22. Then, the dispensing mechanism 22 collects the banknotes P in the banknote outlet 1 into the banknote collection warehouse 10. In this case, banknote P...
Since the amount can be extracted by the customer, there is no guarantee that all the amount released will be recovered even if the amount is recovered. Therefore, the main controller 2
01 does not send the cancellation message to the host computer 223 and waits for the next customer. The above-mentioned bankbook, card, and cash collection operations are performed through steps 187 to 187 shown in the flowchart of FIG. 15(n).

When checking the transaction status in the message obtained by pre-delivery reception (ST73), if the transaction is unsuccessful, the main control unit 201 displays a message indicating the reason for the failure on the CRT display unit 7, such as account not found or theft. A message indicating that the requested card cannot be approved is displayed, and a display indicating that a canceled button is to be inserted is displayed (ST, ?o4). After this,
If the cancel button is not pressed after a predetermined period of time, the card or passbook is collected. Then, when the customer presses the cancel button according to the operating instructions (5
(T205), the main control unit 201 causes the CRT display unit 7 to display the operation guide ``Cancel the message, please take out the slip'' (ST206), and causes the slip to be ejected from the slip outlet 10. The above operation guidance is unconditionally displayed for a certain period of time. Toreha, customers use CRT
This is to make it possible to read the display on the H-receiving section 7 and remove the slip within a predetermined time even if the slip is removed. Also, even if you forget to take out the slip, you can proceed to the next step. After performing the above operation guidance for a certain period of time, the main control unit 2θ1 checks the bankbook collection flag and card collection flag in the message, and collects or returns the card or bankbook according to the instructions of the flags. The above 1 operation is shown in steps 2-3 to 222 shown in FIG. 15(o).

By the way, when the key for deposit or envelope deposit is inserted when selecting the item, the main control unit 201 checks whether the card is inserted or not (ST88), and if the card is inserted, the status of the account number. The status signal in the message is checked (ST89). If the status signal is a credit card account and deposit is not permitted (“X1”), the main control unit 1101 displays on the CRT display unit 7, “Credit card account is not permitted, please press the cancel button.”
5T91), and if the bank is not approved, the operation guide ``Bank is not approved, please press the cancel button'' is displayed (ST93).

After these instructions, if no operation is performed for a predetermined period of time, a card return operation is performed. However, if the customer presses the cancel button according to the above instructions (ST 92
), the main control unit 20 performs a card ejection operation. Also,
If the account allows deposits (°“X□”), or if a passbook is inserted, the main control unit 201 displays the operation guidance “Please insert the amount” on the CRT display unit 201. Display it (ST94).

Thereafter, when no operation is performed for a predetermined period of time or more, the card or passbook is collected.

Then, when the customer inserts the deposit @l:i into the keyboard 6 in accordance with the operation guidance (ST95), the main control unit 1 201 displays the operation guidance [Please confirm the deposit amount] on the CRT. It is displayed on the display section 7. Thereafter, when no operation is performed after a predetermined period of time has elapsed, the card or passbook is returned. However, when the customer presses the cancel button according to the above guidance, the main control unit 201 performs an operation to eject the card or passbook, and when the customer presses the confirmation button, the main control unit 20) confirms that the account number and aircraft number have been input. Print amount data on controller 203
The document is outputted to the document, the document is printed on the document (ST98), and all the documents are released from the document issuing port 10 (ST99). To release this slip, the main control unit 201 displays [
Take out the envelope, put the slip and cash (checks, bills) into the splint, seal it, and then insert the envelope.'' is displayed on the screen (ST100), and the envelope processing device 24 is locked. Outputs a release signal. Then, in the envelope processing device 24, the solenoid 159 is energized, so that the multi-connection lever blade 1 moves downward, and the opening and firmware 155 are rotated in the direction of arrow d about the protrusion 163a as a fulcrum. As a result, the lock arm 155 no longer engages with the lock pawl 158a, and the envelope removal lock is released. After the above-mentioned display guidance, if no operation is performed even after a predetermined period of time has elapsed, an operation for returning the card or passbook is performed. However, the customer follows the instructions and pulls No Ndol 8. Then, the 91 envelopes are ejected from the opening 154 by the splinter removal plate 158. Next, the customer puts the slip and check in this envelope, and the main control unit 201 turns on the solenoid 15.
By deenergizing 9, the connecting lever 161 moves upward and returns to its original position. This connection--161 V
As the lock arm 155 rotates in the direction of arrow C, the lock arm 55 and lock pawl 15
8& engages.

As a result, taking out the envelope using the handle 8 is prohibited.

And Aratsutsu+J! An envelope was detected at Taki 171, 7L.
When this happens, the motor 176 is stopped.

By the way, when one person is using the 121 cylinder Ii, when a detection signal is output from the thickness detector 2θ0, the main control unit 201 determines that the envelope is thicker than the specified thickness.
, CRT display i? ! At S7, an operation guide is displayed that says "The envelope is too thick to process. Please press Cancel and start over from the beginning" (ST102).

Thereafter, if the cancel button is not pressed even after a predetermined period of time has elapsed, the card or passbook is collected, and the card or bankbook for which the cancel button was pressed within the predetermined period of time is returned.

Then, when the envelope is normally taken into the envelope processing device 24 (STIOI'), the main control section 201 communicates with the host computer 223 (ST 104).

This communication operation is almost the same as that for the payment transaction described above, and the envelope ejection process (ST258 to 5T260)
and envelope collection processing (5T266°267). Therefore, the main control unit 201 causes the journal, slip, and passbook to be printed in accordance with the message received from the host computer 223. In this case, unlike the above-described payment transaction, transaction data is not printed on the passbook, and only print data that is not recorded in the passbook is printed. Since this is a deposit in an envelope, it is impossible to check whether the contents of the envelope match the amount entered by the customer, so the host computer 223 updates the transaction information in the transaction information file 224. The transaction is not printed on the bankbook.

Then, when the receipt is completed, the main control unit 201 checks the transaction status g in the message to check whether the above transaction has been received (5T105), and if it is not accepted, it will be the same as a payment transaction. Processing is performed, but the envelope collection flag in the message indicates whether to return or collect the envelope. Follow the instructions if 1# is '0'' (8T2O9~5T2
12).

Further, when the transaction is accepted, the main control section 201 outputs a print and storage signal to the embroidery tube processing device fi', i, 24. In this case, the envelope processing device lj, 24 is the printing section 1.
After printing the stamp with 68, the envelope is stored in the envelope horror J? Store it in 169.

Next, the main control section 201 causes the CRT display section 7 to display an operation guide saying "Deposit has been received, please take the slip" (ST141).

Following this guide, the customer should take out the slip 8T14
2) In response to this withdrawal, the main control unit 20 determines whether the transaction is by card (5T143).

In the case of a transaction using a card, the CRT display section 7 displays an operation guide saying "Please take the card" (ST1
44). The customer takes out the card according to the instructions (S
T145). At this time, if the card is not removed for a predetermined period of time or more, a collection operation is performed. In addition, in the case of a transaction using a passbook, the main control unit 201 determines whether or not the passbook is usable enough, and if it is not usable enough, displays an operation guide saying "Please take the passbook on the CRT display 7" (ST147L If the passbook is usable enough) The CRT display section 7 displays the operation guide ``The m-book is fully usable, please take the passbook.'' (ST1
4g). The customer then takes out his passbook according to the instructions (ST149). At this time, if the passbook is not taken out even after a predetermined period of time has elapsed, a collection operation is performed. During the above-mentioned slip retrieval guidance, the master and sub-server 1 section 201 does not check the slip sampling, but after waiting for a predetermined time, displays a message indicating that the card or passbook should be removed, and then ejects the card or passbook.

In addition, when collecting the card or passbook, unlike the payment transaction, a withdrawal message is not sent to the host computer 223. host computer 2.
This is because 23 and the automatic transaction device are compatible.

Next, when selecting the item, select the key 6 for the transfer transaction.
When the card is inserted, the main control unit 201 checks whether a card is inserted (5T117), and if it is a credit card, checks whether it is a credit account (ST118). Furthermore, the main control unit 2
If 01 is not a credit account, use it as the first account number and transfer destination, and check the status of the account with the status L (signal in the message) to see if payment is not possible (S
T119). If the main control unit 2011 determines based on the status signal that a transfer from an account other than that is not permitted (S
T120), the CR7 display section 7 displays “Allow all access to that account”.
If you wish to cancel, please press the button.'' is displayed and pressed (ST121). These guides...
D [If the cancel button is not pressed after a certain period of time,
The card collection operation is performed, and when the cancellation button is inserted within the time limit (ST122), the card removal operation is performed. In addition, when the main control unit 201 determines that the account is eligible for transfer transfer (ST120), the main control unit 201 sends tC
On the R7 display 7, select the transfer destination account for accounts other than the 10th account number and credit account among the accounts obtained by the above-mentioned account inquiry and the operation guidance "Please select the transfer destination account from the accounts below." A selection key instruction and an item "Others" are displayed (ST124). Thereafter, when no operation is performed for a predetermined period of time or more, a card collection operation is performed. Then, the customer follows the instructions to the second
When you select the account number and transfer destination (ST125
), main control unit 20 J'it; Check the J account status 5T128), if an account for which deposits are prohibited is selected,
The transaction is interrupted (ST129, 5T130).

In addition, if the main control unit 20 determines that the transaction is a passbook transaction (STI) T7, if only one account number is obtained from the account inquiry (ST123), or if the second account number is selected, When the customer selects “6Others” (ST127), the main control unit 201 displays the CR7 display unit 7.
The operation guide ``Please enter the transfer destination account manually'' is displayed (8T131). In response to this guidance, the customer enters his/her number on the keyboard 6 (8T1
32), that account number is the transfer destination! 7ε Po 20 locus number. After this, or if the d-selected account is normal, the main control unit 201 causes the CR7 display unit 7 to display the operation guidance “Please insert the amount” (ST13).
4). When the customer inserts the amount according to this guidance (S T1
35), the main control section 201 causes the CR7 display section 7 to display the guidance "Please check 1'Lj L/" (ST137). However, when the customer presses the cancel button according to the above guidance, the main control section 201 performs an operation to eject the card or passbook, and when the customer presses the confirmation button, the main control section 201 communicates with the host computer 223 (ST13B).

In addition, at the time of the above operation guidance (ST 131, 134, 136
), when no operation is performed after a predetermined period of time, a card or passbook collection operation is performed. After the communication operation described above, the operation is the same as in the case of the payment transaction described above except for the dispensing of banknotes.

If the main control unit 201 determines that the first selected account number is a credit account (S T 118), it sets it as the first account number and the transfer destination bank, and if many other accounts exist. (ST150).

As a result of this check, if the main control unit 201 does not exist, the main control unit 201 displays the operation guide “Request cannot proceed” on the CR7 display unit 7 (5T154), and when the cancel button is pressed, the extraction operation is performed. If there are many accounts, the main side A1 section 201 displays all of them on the CR7 display section 7 along with the operation guidance "Please select the transfer destination account from the accounts below" and instructions for the transfer destination account selection key (ST
151).

Thereafter, when the card is not operated even after a predetermined period of time has elapsed, a card return operation is performed. When the condolence customer selects the account number transfer destination bank according to the above guidance (ST152), the main control unit 201 checks the account status (5T153), and if an account for which withdrawals are prohibited is selected, the transaction will be processed. to interrupt ST
121゜5T122), if the transaction is allowed, CR
7. The display section 7 displays an operation guide saying "Please insert the amount" (ST134). Thereafter, the transfer operation will be the same as the above-mentioned transfer transfer operation.

Therefore, if the t410 account number is a credit account, a transfer will be made from the 20th account to the 10th account, and the JU3
If the account number is other than a credit account, from 10th to 2nd
A transfer will be made to the 0th seat. When using these methods to transfer funds between their own accounts, customers do not have to enter the numerical value of their account number directly from the keyboard 6 (or simply select one of the account numbers displayed on the CRT display section 7). Good, it becomes very easy.

Next, when the key 6 for a balance inquiry transaction or a passbook entry transaction is input when selecting the item 1, the main control section 201 communicates with the host computer 223. The results of this communication are printed on passbooks, slips, and journals. In the case of a balance inquiry transaction, the main control section 201 displays the balance on the CRT display section 7 before releasing the slip, and allows the customer to select whether or not to continue with the next transaction. If the customer chooses to continue, the main control unit 201 releases all the slips and then proceeds to the transaction item selection step described above.

The next transaction is made valid without returning to the step (ST45) and returning the card. However, balance inquiry transactions at this time will be invalid. Furthermore, when the customer does not intend to continue with the passbook update transaction or balance inquiry transaction, the main control unit 201 releases the slip, returns the passbook or card, and ends the transaction.

The above operation is performed by ST shown in the flowchart of FIG. 15(k).
Processing from 156 to STI 71 is performed.

Next, when selecting the item, enter the key 6 for the passbook request transaction.
When the main controller 201 turns on the host converter 2
23 (ST172). Then, the host converter 223 stores the transaction information file 2 corresponding to that account.
The main control unit 201 stores the request in the storage area of the passbook 24.

5T173) If you have determined that the transaction has been accepted, please check the status signal in the Message 7.ST174).When you have determined that the statement request is OK, please confirm the statement request on the CRT display section 7 and take out the slip. This operation guide is displayed (ST177). When the customer takes out all the slips in response to this guidance (ST178), the main control unit 201 causes the customer to take out the card or passbook (ST179).
~182'). Also, checkbook requests and statement requests operate in the same manner as the above-mentioned passbook request.

The above-mentioned passbook request transaction is a transaction in which a customer requests a financial institution to issue a new passbook when there are fewer pages left in his or her passbook.

This request is temporarily stored in the host computer 2231c, and a new bankbook is mailed to the condolence customer from the financial institution. In this case post computer 22
3, the current usage status of the passbook is checked, and the passbook request can be accepted only when it is confirmed that the last page is being printed. By handling such transactions using automated teller machines, it is possible to greatly reduce the administrative work involved in issuing passbooks. Also checkbook request transaction or statement-1
The i1' request transaction can also be requested in the same manner as above. Similar to a bankbook request, once the request is stored in a predetermined area 9 in the transaction information file 224 by the host company 223, the clerk can later request transaction details or checks. The book is sent by mail.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide an automatic transaction system that can perform envelope deposit transactions using bankbook sounds and can also print unrecorded transaction information on the bankbook.

[Brief explanation of the drawing]

Figures 1 to 17 show an embodiment of this invention.
Figure 1 is a perspective view of the exterior, Figure 2 is a schematic diagram of the internal configuration, and Figure 3 is a schematic diagram of the internal structure.
The figure is a sectional view taken along A-A' in FIG. 2, FIG. 4 is a sectional view taken along BB' in FIG. 2, FIG. 5 is a sectional view schematically showing the card reading device, and FIG. A cross-sectional view of the withdrawal mechanism,
Fig. 7 is a sectional view of the passbook reading/printing device, Fig. 8 is a sectional view of the envelope processing device, Fig. 9 is a partially cutaway perspective view of the envelope issuing device, and Fig. 10 is a sectional view schematically showing the printing section. , FIG. 11 is a sectional view of the shutter receiving mechanism, FIG. 12 is a block diagram schematically showing the overall configuration, FIG. 13 is a schematic block diagram of the speech synthesizer, and FIG. 14 is a configuration of the current detection circuit. FIG. 15 is an electric circuit diagram, FIG. 15 is a flowchart for explaining the operation, and FIGS. 16 and 17 are diagrams showing display examples on a CRT display section. 2...Outer wall, 3...Customer service department, 4...Horizontal operation panel,
5...Vertical operation panel, 6...Keyboard, 7...C
RT display section, 8... Envelope removal section, 9... Envelope insertion slot, 12... Bankbook insertion slot, 13... Card insertion slot, 1
4... Speaker hole, 15... Curved shutter (shutter), 21... Card reader, 22... Dispensing mechanism, 23... Bankbook reading/printing device, 24... Envelope processing device, 34...Magnetic spatula 1135...Printer, 13
6...Print head, 139...Glossy paper, 1
47... Magnetic head, 148... Reading unit, 170~
172... Surgical site detector, 200... Thickness detector, 2
01... Main control unit, 203... Print controller, 204... Memory, 205... Memory, 208
...Operation/guidance controller, 209...Memory,
210...Memory, 212...Speech synthesis device, 21
8... Current detection circuit, 219... Timer circuit. Applicant's Representative Patent Attorney Takehiko Nishikie Figure 1-17 Figure 2 Figure 2 26.27.28 Figure 3 Figure 4 Figure 15 (9) Figure 15 (i) Figure 15 (k) Figure 15 Figure (1) Figure 15 (m) Figure 15 (n) Figure 15 (.) Figure 15 Anti-Figure 15 (q) Figure 15<r> Figure 16 Figure 17

Claims (1)

[Claims] It has a passbook printing device that prints transaction details on the inserted passbook, and consists of an automatic transaction device that automatically performs transactions such as deposits and withdrawals, and a center that stores transaction information for multiple accounts. In an automated transaction system, when an envelope deposit transaction is made using the passbook, the envelope deposit transaction is not printed on the passbook, but only transaction information for the unrecorded portion of the corresponding account sent from the center is printed. An automated trading system characterized by being configured to: