JP2005301636A - Automatic transaction equipment - Google Patents

Abstract

In order to use various types of passbooks in an automatic transaction apparatus, it is not necessary to develop individual hardware adapted only to each passbook.
An IC chip 18 in which information 35 such as an account number or information 35 such as an account number is written is embedded in a passbook 14 handled by an automatic transaction apparatus, and when the passbook 14 approaches a passbook insertion port 13, a passbook is inserted. The IC chip information 35 is read by the IC chip read mechanism 17 attached to the mouth, and the position of the passbook conveyance path guide 16 of the passbook handling mechanism 12 and the position of the MS head 15 are changed and inserted from the read passbook discrimination information. Be able to handle the passbook.
[Selection] Figure 1

Description

  The present invention relates to an automatic transaction apparatus such as an ATM that handles a passbook used in financial institutions.

  Due to mergers of financial institutions and business collaboration, the types of passbooks that are required to be used with one automatic transaction device are increasing.

  Correspondingly, Patent Document 1 is a method of reading a plurality of types of passbooks in an automatic transaction apparatus that reads information of a passbook inserted from an insertion port for taking in a passbook. The acquired image is stored in the memory, and the barcode is tried to be recognized from the stored image by the processing mode corresponding to the first passbook. If it can be recognized here, the passbook is identified as the first passbook, and the magnetic stripe is read in the processing mode of the first passbook. If the barcode is not recognized in the processing mode corresponding to the first passbook, the software switches to the second passbook processing mode on the software and attempts to recognize the barcode. Discloses an invention for reading magnetic information in the processing mode of the second passbook.

Japanese Patent Laid-Open No. 2003-196708

  However, in the invention of Patent Document 1, barcode retry is generated many times. When there are dozens of bankbook types to be identified, it may take a considerable amount of time to determine the bankbook type. In addition, it takes time until the passbook type can be determined. That is, since the barcode is read in the order of MS and the type of passbook is determined, it takes time even if it can be determined by the first try. Further, when the magnetic stripe (MS) of the bankbook cannot be read due to magnetic disappearance or the like, it is found that the bankbook cannot be used after retrying to the end, and the transaction becomes impossible.

  Therefore, as one solution, the inventor has a reading unit that reads information on the IC chip mounted in the passbook before inserting the passbook into the automatic transaction apparatus. The type is determined, and the conveyance guide, magnetic reading mechanism, printing mechanism, and the like are moved according to the passbook type.

  A variety of passbooks can be processed efficiently. In particular, compared with the invention of Patent Document 1, in the present invention, the type of passbook can be determined before insertion (and in a short time), and the passbook can be processed efficiently. Further, when the magnetic information cannot be read, the information on the IC chip can be used.

  An embodiment suitable for the present invention will be described. It is also possible to select and implement the configuration and steps, and the present invention is not limited to this embodiment.

  An IC chip that can be embedded in the passbook paper is mounted, for example, on the cover of the passbook. When inserting a passbook, a position close to the automatic transaction apparatus is desirable. Normally, since the bankbook is inserted with the bankbook open, the front end (opposite to the binding portion) of the bankbook is close to the automatic transaction apparatus with the bankbook open. However, since it may be possible to insert the passbook in a closed state, FIG. 1 shows that the IC chip is provided in the middle of the binding portion and the front end on the cover.

  An IC chip reader is mounted at a position where the information of the IC chip embedded in the passbook can be read when the passbook is inserted into the passbook insertion slot on the front face of the automatic transaction apparatus.

  When the user brings the bankbook close to the bankbook insertion slot of the automatic transaction apparatus, the IC chip reader mounted on the bankbook insertion slot reads the information of the IC chip embedded in the bankbook. The IC chip is written with the outline of the passbook, the position, type, and account number of the magnetic stripe, and the IC chip reader reads all of the information. Based on the read passbook outline information, magnetic stripe position, and type information, the position of the passbook transport guide and magnetic reading device in the passbook handling mechanism is moved.

  By moving the mechanism depending on the passbook type of the passbook handling mechanism according to the passbook information written on the IC chip, various types of passbooks can be used in automatic transaction equipment equipped with one type of passbook handling mechanism. Become.

  FIG. 1 is a diagram in which a passbook with an IC chip embedded therein and an IC chip reader are mounted on a passbook insertion slot on the surface of an automatic transaction apparatus. FIG. 2 is a system configuration diagram of hardware / software of the automatic transaction apparatus. FIG. 3 is a diagram showing the configuration of the memory of the IC chip embedded in the passbook.

  When the bankbook 14 in which the IC chip 18 is embedded approaches the bankbook insertion slot 13 of the automatic transaction apparatus 11 within the IC chip communication range, the IC chip reader 17 attached to the bankbook insertion slot 13 stores the memory of the IC chip 18. Read information. IC chip information 35 is written in the memory of the IC chip, and includes a start bit 31 and an end bit 34, and an account number / ID bit 32 representing an ID for identifying an account number or a depositor. In addition, a passbook type determination code 33 defined for identifying the outline type of the passbook and the MS location specification is included. In the automatic transaction apparatus system 29, the IC chip information 35 read by the IC chip reader 24 of the bankbook handling mechanism 21 is transmitted to the control unit 28, and the bankbook identification information 33 is separated by the application 27. The passbook identification information 33 is transmitted from the application 27 to the middleware 26. The passbook identification information 33 is coded to represent each passbook type so that various types of passbook outline sizes and magnetic stripe specifications can be identified, and the passbook type identification code in the IC chip information 35 of the IC chip contains this code. Coded information is written, and the passbook type can be determined based on this information. From the passbook identification information 33 encoded by the middleware 26, the standby setting of the transfer path guide position, the MS head position, and the print head position of the passbook handling mechanism is determined, and the passbook transfer control section 22 of the passbook printing section 21 and magnetic stripe reading are determined. It transmits to the part 23. The passbook transport control unit drives the motor according to the transmitted position information to move the passbook transport path guide 16, the MS head position 15, and the print head. When the passbook is inserted from the passbook insertion port 13 of the passbook handling mechanism, the guide 16 and the MS head position 15 of the passbook conveyance path are adapted to the inserted passbook, and the passbook is taken into the automatic transaction apparatus 11 and the account information. Can be read and booked.

It is the figure which showed the passbook insertion slot vicinity of the automatic transaction apparatus mounted in the passbook insertion slot of the IC chip lead mechanism. It is the system figure which showed the structure of the hardware and software of a transaction apparatus. It is the figure which showed the structure in the memory of an IC chip.

Explanation of symbols

DESCRIPTION OF SYMBOLS 11 Automatic transaction apparatus 12 Passbook handling mechanism 13 Passbook insertion slot 14 Passbook 15 MS head 16 Passbook conveyance path guide 17 IC chip read mechanism 18 IC chip

Claims (3)

An insertion section for receiving a passbook;
A reading unit for reading electrical information of a passbook inserted into the insertion unit;
A bankbook handling unit that conveys and prints the bankbook inserted in the insertion unit;
The automatic transaction apparatus which has a control part which drives the said bankbook handling part based on the information read by the said IC chip reading part. Claim 1 wherein
The said control part is an automatic transaction apparatus which judges the classification of a bankbook based on the information read by the said IC chip reading part. Claim 1 or 2,
The passbook handling unit includes a passbook transport guide that regulates the transport direction of the passbook, a magnetic head that reads the magnetic stripe of the passbook, a print head that prints on the passbook, and a motor that drives them,
The said control part is an automatic transaction apparatus which controls the said motor and moves the said bankbook conveyance guide, the magnetic stripe of a bankbook, and the said print head.

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