JPH03240189A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To reduce the load on a user and to shorten the processing time by carrying out the payment dealings of plural documents, etc., as single-time dealings. CONSTITUTION:This automatic teller machine is equipped with a transaction medium processing unit 86 which receives a recording medium where information on the amount of money is recorded and reads the information out of the recording medium, a telling unit 87 which displays the total of the read information, a card unit 85 which pays money by the displayed total amount, and money receipt and payment units 82 and 83. Then the information on the amount of money is read out of plural payment documents and totalized, and dealings of the total amount of money are completed at a time. The received payment documents are stored temporarily in a storage means and after the dealings, specific processing is performed to issue a receipt. Consequently, the load on the user at the time of payment is reduced and the processing time is shortened.

Description

[Detailed Description of the Invention] [Object of the Invention] (Field of Industrial Application) This invention is intended for use in financial institutions such as banks,
The present invention relates to an automatic transaction device that automatically performs payment transactions such as utility charges.

(Prior Art) In recent years, many automatic transaction devices have been introduced in financial institutions such as banks in order to save labor at counter operations. These automatic transaction devices can not only withdraw and deposit cash, but also recently automatic transaction devices can automatically pay taxes, utility charges, etc. (from a financial institution's perspective, this is a collection operation). It has been proposed (Japanese Unexamined Patent Publication No. 6
2-286168). This automatic transaction device optically reads information regarding the payment from the accepted payment slip.
A payment transaction is executed based on this read information. After the payment transaction is completed, a receipt stamp is stamped on the received payment slip, and a piece of the receipt is cut off and discharged.

However, with the automatic transaction device described above, only one payment slip can be handled in one transaction, so if there are multiple payment slips, a transaction operation based on the number of payment slips is required, and the user There was a problem that the burden on the staff would increase.

(Problems to be Solved by the Invention) The present invention has been made in view of the above-mentioned problems, and is capable of handling multiple payment slips, and can execute transactions regarding multiple payment slips in one transaction. The purpose is to provide an automatic transaction device that can

[Structure of the Invention] (Means for Solving the Problems) In order to achieve the above object, the automatic transaction device of the present invention includes an accepting means for accepting a recording medium on which at least amount information among information regarding payments is recorded; a reading means for reading amount information from the recording medium accepted by the receiving means; a display means for displaying the total amount information read by the reading means;
The present invention is characterized by comprising a transaction means for performing a payment transaction for the total amount displayed on the display means, and a storage means for temporarily storing the recording medium accepted by the accepting means until the transaction by the transaction means is completed. .

(Operation) This invention reads the amount information from a plurality of received payment slips, totals these amounts, and transacts the total amount in one transaction, thereby transacting a plurality of payment slips. This can be done in one transaction.

In addition, the accepted payment slip is temporarily stored in the storage means,
After the transaction is completed, the transaction will be processed and a receipt will be issued.

(Example) Hereinafter, an example of the present invention will be described in detail with reference to the drawings.

FIG. 7 shows the appearance of the automatic transaction device 100 according to the present invention. That is, a customer service operation section 2 is formed on the front surface of the housing 1. Vertical surface 3 of this customer service operation section 2
Insert payment slips (forms) as recording media, such as telephone bill payment slips, gas bill payment slips, rent payment slips, etc., as well as transaction media for receiving issued statement slips and receipts. A mouth 4 is provided. Also provided is a card insertion slot 5 into which a magnetic card storing account information such as a password and account number is inserted.

Further, there is a transaction indicator 5a for displaying to the user that the transaction is in progress, a transaction display 6b for displaying and guiding each transaction such as deposits, payments, payments, etc. that can be handled, and a call button for the user to call a staff member. 7, and a coin deposit/withdrawal port 8, which has a door 8a that can be opened and closed, and serves as both a deposit port and a withdrawal port through which a user can insert or receive a large number of coins at once.

A banknote deposit/withdrawal port 11 is provided on the horizontal surface 10 of the customer service operation section 2, into which a large number of deposited banknotes can be input at once, and which receives withdrawn banknotes, etc., and this deposit/withdrawal port 11 can be opened and closed freely. A door 12 is arranged. Further, on the horizontal surface 10, there is provided a CRT display device 14 in which a transparent touch panel (touch sensor) is placed over a display screen of a color CRT. The CRT display device 14 guides the user's operations by displaying operating procedures and other information on the screen in the form of illustrations, characters, or text. The user presses the display area corresponding to the PIN number, amount, account number, transaction selection, confirmation or cancellation, etc., and the touch panel detects this and sends a corresponding signal to the main control unit, which will be described later. This is a so-called manual operation that outputs . Said C
The RT display device 14 is configured to change its content and display each time the machine operation or the status of the stem changes.

On the other hand, inside the housing 1 there is a device 100 as shown in FIG.
Main control unit 81 in charge of overall control, banknote deposit/withdrawal unit 8
2. Coin deposit/withdrawal uni-soto 83, internal monitor for staff 8
4. Card Uni Soto 85, Transaction Media Processing Unit 86
, a customer service unit 87 constituted by the CRT display device 14, and a voice guidance unit 88 that guides the user's operations by voice. In addition, the main control unit 81
, eight transmission control units for controlling data transmission to and from a host computer (not shown), a main storage unit 90, and an externally provided remote monitor 91 for staff are connected. Note that 92 is a power supply unit that supplies the power necessary to operate the device 100.

The main control section 81 causes the automatic transaction device 100 to perform a predetermined transaction operation by controlling each section according to an operation program stored in the main storage section 90.

The banknote deposit/withdrawal unit 82 is the banknote deposit/withdrawal port 11
The banknotes inserted in bulk are accepted, the genuine banknotes are judged to be authentic, their denominations, whether they are damaged or not (discrimination), the genuine banknotes are counted, and the front and back of the banknotes are sorted.
10,000 yen regular notes, 1,000 yen regular notes, 5,000 yen regular notes, -10,000 yen notes and 1,000 yen notes,
(Damaged 5,000 yen notes and old notes) and store them.
The deposited banknotes are used as payment banknotes as they are, and a designated amount of banknotes is discharged as necessary, thereby discharging the banknotes at once from the banknote deposit/withdrawal port 11.

The coin depositing and dispensing unit 83 determines the authenticity and denomination of the coins inserted into the coin depositing and dispensing port 8 at once, counts and stores genuine coins, and also deposits coins for a specified amount as necessary. By discharging coins, the coins are paid out at once from the coin depositing and dispensing port 8.

The internal monitor 84 is used to notify the staff involved in the operation of the device 100 of the status of the device, and to manually give instructions regarding operations by the staff.

The card unit 85 receives the magnetic card inserted from the card presser 5, and reads account information such as an account number from the magnetic stripe section on the card, and writes it to the card as necessary. It is something.

The transaction medium processing unit 86 reads, for example, information related to payment recorded in the payment slip received from the transaction medium insertion slot 4, prints it on the payment slip as necessary, and also has internally provided information. It is issued as a detailed statement or receipt by printing transaction records etc. on a slip (receipt).

The main storage unit 90 stores processing procedures (operation programs) related to the operation of the automatic transaction device 100, and also stores various information related to transactions, such as the dealer number and the device 10.
Other transaction records such as 0 unique equipment number, and equipment 100
It manages records of the operating status of the system.

The remote monitor 91 is connected to the automatic transaction device 100 (main control section 81) as needed, and is capable of monitoring the status of the device 100 from a distance.

9 to 11 show payment slips (bills) as recording media according to the present invention.

FIG. 9 shows, for example, a payment slip Pa for telephone charges. Printed on this telephone charge payment slip Pa are the period covered by the charge, the payment deadline, the user's name, the user's telephone number, the billed amount, the issuer code number, the make-up telephone number, and the like. In addition, the telephone bill payment slip Pa can be divided into, for example, three pieces, and a receipt (receipt) P+ to the user who is the payer, a notice P2 to the issuer, and a receipt P2 to the receiving financial institution. It consists of a copy of P 3. Note that the telephone bill payment slip Pa is inserted in the direction of the arrow shown in the figure, and its width in the insertion direction is approximately the same (it can be pushed) as the width t of the transaction medium insertion slot 4.

FIG. 10 shows, for example, a gas fee payment slip pb. This gas bill payment slip PB, similar to the above-mentioned telephone bill payment slip Pa, includes the period covered by the charge, payment deadline, user's name, billed amount, customer number, makeshift telephone number, etc. ing. Also, gas fee payment slip p.
b can be divided into four pieces, for example, and consists of a receipt to the user P1%, a notice to the issuer P2, a copy from the receiving financial institution P3, and other P4. This gas fee payment slip pb cannot be inserted as it is because the width dimension in the insertion direction indicated by the illustrated arrow is larger than the width t of the transaction medium insertion slot 4. However, between the copy P3 and other P4 at the accepting financial institution (X)
The width of the payment slip pb when folded in half at the perforation is:
The width is approximately the same as the width of the telephone bill payment slip Pa in the insertion direction. Therefore, when making a gas bill payment, after the copy P3 and other P4 are folded into two along the perforation X between the receipt P3 and the other P4 at the receiving financial institution, the issuer is sent to the transaction medium insertion slot 4. The notification @P 2 and the copy P from the receiving financial institution are inserted with the side facing up in the direction of the arrow shown. This makes it possible to handle payment slips whose width dimension in the insertion direction is larger than the width t of the transaction medium insertion slot 4, that is, payment slips that are long in the horizontal direction.

FIG. 11 shows a payment slip Pc for, for example, rent. The payment slip Pc for rent, etc. includes the payment deadline, like the payment slip Pa for the telephone bill and the payment slip PB for the gas bill.
There is no user's name or temporary telephone number, but the period covered by the charge, the billed amount, late payment interest, customer number, etc. are printed.

Further, the payment slip Pc for rent, etc. consists of two pieces, for example, a notice P2 to the issuer and a receipt P from the receiving financial institution, and there is no receipt P1 to the user. Note that the payment slip Pc for rent, etc. is inserted in the direction of the arrow shown in the figure, and its width in the insertion direction is approximately the same (insertable) as the width t of the transaction medium insertion slot 4.

FIG. 1 shows details of the transaction medium processing uni-soto 86, which accepts the payment slips Pa, Pb, and Pc inserted into the transaction medium insertion slot 4 in FIG. 6, and performs predetermined processing on them. It has a built-in receipt R for issuing receipts, detailed statements, etc. by printing transaction records.

This transaction medium processing unit 86 is provided in the housing 1 at a location corresponding to the transaction medium insertion slot 4 . That is,
A transaction medium insertion port 4 is communicated with the front surface of the main body 21, and a shutter 22 that can be opened and closed is provided within the transaction medium insertion port 4. The shutter 22 is opened and closed by a solenoid 22a and a spring 22b, and this opening and closing action is controlled by the output of the detector 23. Detector 23
is a well-known device consisting of a light-emitting element and a light-receiving element, and is adapted to optically detect insertion or removal of payment slips Pa, Pb, and Pc.

A transport path 27 provided in a substantially horizontal state from the transaction medium insertion slot 4 toward the rear of the main body 21 is connected to a drive roller 24.
It is composed of pinch rollers 25 that roll into contact with these drive rollers 24, respectively, and a guide bottom plate (not shown), and is connected to a drive motor via a belt (not shown). It is designed to be driven by

In the middle of this conveyance path 27, there is a payment slip Pa.

An optical reader 42 is provided to read payment information (information related to payment, etc.) on Pb and Pc. The optical reading device 42 includes, for example, a CCD image sensor (in this case, a self-scanning surface array formed by arranging a large number of solid-state imaging probes on a plane is used) 42a;
Payment slip Pa.

A lens 42b1 that reduces the information on Pb and Pc and forms an image on the light receiving surface of the image sensor 42a, and a character recognition unit 42 that recognizes information based on the output signal of the image sensor 42a.
It is composed of C. This optical reader 4
2, characteristics of multiple types of payment slip formats (for example, payment slip Pa.

The location and content of information to be read for each type of Pb and Pc,
When the type of payment is specified, the corresponding payment slip format is selected.
Utilizing this feature, the payment information on the payment slips Pa, Pb, and Pc (such as the portion A displaying amount information indicated by broken lines in FIGS. 9 to 11) is read.

A receipt issuing mechanism 49 for issuing a receipt R is provided below the optical reading device 42. For example, the receipt R is a pressing mechanism (not shown) (backup mechanism).
The sheet is pressed against the take-out rollers 49a, 49b with a constant pressure, and the sheets are taken out one by one by the take-out rollers 49a, 49b, and guided to the conveyance path 27 via the gate 50. The gate 50 is driven by, for example, a solenoid (not shown).

A printing mechanism 5 is located behind the optical reading device 42 on the conveyance path 27.
2 is provided. This printing mechanism 52
and payment slips Pa, Pb.

It prints predetermined information on the PC, for example, a wire dot type print head 52a1.
A carriage 52b1 that moves the carriage 52b in a direction perpendicular to the conveyance direction of the conveyance path 27, a slide rod 52C1 that guides the carriage 52b, and a stand 52d as a platen.
It is composed of etc.

Behind the printing mechanism 52 on the conveyance path 27, a cutter mechanism section 30 is provided that cuts the conveyed gas fee payment slip PB at the folded part (position indicated by X in FIG. 10). . The cutter mechanism section 30 pinches and conveys the gas fee payment slip pb guided from the conveyance path 27 by the action of the gate 58 between the conveyance roller 30a and the freely releasable pinch roller 30b, and also conveys the gas fee payment slip pb facing the conveyance roller 30c. The gas fee payment slip p is removed by the provided turning roller 30d.
By bending the upper piece of b (the side of the notice P2 to the issuer and the receipt P at the receiving financial institution) and moving the cutter 30e in the direction of the arrow shown in the figure along the deflected gap. , the gas fee payment slip pb is cut into two.

Further, behind the shutter 22 on the conveyance path 27, a cutter device 60 is provided for cutting the conveyed telephone bill payment slip Pa into predetermined dimensions. This cutter device 60 cuts off the receipt 48 portion to the user from the telephone bill payment slip Pa by pressing a cutter 60a against it as the telephone bill payment slip Pa passes, for example.

For example, payment slips Pa and P are placed near the starting end of the conveyance path 27.
A stamping device 70 is provided to stamp a receipt stamp on the receipt 43 portion of b. This stamping device 70 is configured to print a receipt P I guided from the conveyance path 27 by the action of the gate 71, that is, a gas fee payment slip pb by the cutter mechanism section 30.
The receipt P1 and other P4 portions cut from the paper and conveyed upside down through the conveyance path 27, or the receipt 48 portion cut from the telephone bill payment slip Pa by the cutter device 60 are transferred to the branch conveyance path 271, respectively. , a receipt stamp is stamped at a predetermined position on each receipt P1.

The stamping device 70 includes a stamping head 70a1 and a compression spring 70.
b, a horizontal moving body 70c, etc., and is operated by suppression to obtain a clear seal imprint by moving the required amount in the horizontal direction.

At the end of the conveyance path 27, there is a forgotten payment slip P'a.
, Pb, Pc and receipt R at gates 58° 59a, 59
A collection warehouse 72a is provided to collect the materials via the pipes 59b, 59c, and 59d. These gates 59a, 59b, 59c, 5
9d are each selectively driven by, for example, a solenoid (not shown), and at the time of recovery, the solenoid is energized to rotate to the position shown by the broken line in the figure.

When 59a and 59b are in the state shown by the solid line in the figure (when the solenoids are energized and not energized), there is a stacking section 72d at the back of the conveyance path 27 that accumulates payment slips Pc for rent, etc. that are conveyed, for example. It is provided. Also, gate 5
When gates 9a and 59c are in the state shown by solid lines in the figure (gate 59
At the back of the conveyance path 27 (b is the state shown by the broken line in the figure), there is an accumulation section 72C for accumulating, for example, gas bill payment slips (excluding receipt P1 and other P1 portion) pb that are conveyed.
is provided. Furthermore, a gate 59a.

When gate 59d is in the state shown by the solid line in the figure (gates 59b, 5
At the back of the conveyance path 27 in the state indicated by the broken line 9c, there is provided an accumulation section 72b for accumulating, for example, telephone bill payment slips (excluding the receipt 43) Pa that are conveyed. A temporary storage section 73 is provided at the back of the conveyance path 27 when the gate 59a is in the state shown by the broken line in the figure, in which the conveyed payment slips are separated from other payment slips and temporarily accumulated. - The temporary storage section 73 is provided with a paper feed roller 74, and the payment slips and the like that have been accumulated are transferred to the temporary storage section 73.
It is possible to take it out from there and carry it out to the conveyance path 27 again.

Here, the printing mechanism 52 prints the received payment slip Pa.
, Pb, and Pc, and printing of the result of a payment transaction on receipt R will be briefly explained.

First, for the payment slips Pa, Pb, and Pc, upon completion of the processing of the payment transaction, for example, the name of the handling financial institution, the name of its branch, the received amount, and the device 10.
A transaction serial number indicating the number of the transaction on that day based on 0 is printed at a predetermined printing position.

The receipt R is issued as a statement slip for other account transactions, and is also used as a receipt for a payment transaction using a payment slip Pc for, for example, rent, which does not have a receipt. For example, the date of transaction, store code, transaction serial number, type of transaction, amount received, amount deposited in the case of cash, and change are printed on the receipt R as a receipt.

3 to 5 show the cutting mechanism section 30. FIG. That is, when the gas fee payment slip pb is guided to the cut mechanism section 30 and its conveyance is detected by darkening the detector 31, the conveyance is stopped. Furthermore, when the conveyance is stopped, the solenoid 32 is excited, so that the turning roller 30d of the turning mechanism section 33 is pressed against the conveying roller 30c. The turning mechanism section 33 is normally operated by a conveying roller 33c by a spring 33a.
(so that the turning roller 30d is not pressed).

When the turning roller 30d is pressed against the conveyance roller 30C, the solenoid 34H is energized, and the pinch roller 30b, which is normally pressed against the conveyance roller 30a by the spring 34b, is avoided upward, and the solenoid 35a is energized, so that the pinch roller 30b, which is normally pressed against the conveyance roller 30a, is avoided upward. The pinch roller 30b pressed against the conveyance roller 30a by the spring 35b is avoided upward. After this, the conveyance roller 30c
A turning roller 30 that rotates in a direction perpendicular to the rotation direction of
d is connected to the DC motor 33 via the timing belt 33b.
c is driven toward the front in the drawing. As a result, as shown in FIG. 4, the gas fee payment slip pb is folded in half, with the lower half (receipt P1 to the user + other P4) fixed by the frictional force of the conveying roller 30c, and the upper half folded into two. The - piece of (Notice P2 to the issuer + copy P3 at the receiving financial institution) is bent.

In this state, the cutter 30e is moved to the bent portion of the payment slip pb from the position shown by the solid line to the position shown by the broken line, thereby cutting the payment slip pb into two. The cutter 30e is fixed to a belt 30h wrapped around pulleys 30f and 30g that are arranged in parallel along the two-digit part of the payment slip pb, and a pulse motor 30i drives the pulley 30f during cutting. It is moved in the direction of the arrow shown in the figure.

As shown in FIG. 5(a), the payment slip pb cut in this way is rotated by the conveyance rollers 30a and 30c so that only the lower part (Pl and P4) is cut into the gate 58 shown by the arrow in the figure.
conveyed in the direction. At this time, the upper piece (P2+P3
) is held in place by being fixed by the frictional force of the turning roller 30d. When the lower payment slip Pb (P, +P4) portion obscures the detector 36, the solenoid 35
The pinch roller 30b is moved downward by the excitation of the roller a and is pressed against the conveyance roller 30a.

Here, for example, driving the conveyance rollers 30a and 30c,
If the drive rollers 24 and the pinch rollers 25 of the transport path 27 are received via a clutch (not shown), the lower payment slip pb (p, +P4 ) is pinched by the drive roller 24 and pinch roller 25 of the conveyance path 27, the clutch cuts off the drive to the conveyance rollers 30a, 30c, thereby lowering the lower payment slip pb (p,
+P4) and the upper payment slip P b (P2 +P3) can be completely separated. That is, the lower payment slip (P+ +Pa) is conveyed through the conveyance path 27 and guided to the stamping device 70, and the upper payment slip pb (P20P3
) is retained within the cutting mechanism section 30.

In this manner, the lower payment slip pb (p, +P4) is issued to the user through the transaction medium insertion port 4 after the receipt stamp is stamped by the stamping device 70.

On the other hand, when a receipt is issued to the user, the excitation of the solenoid 32 is stopped, and the turning mechanism 33 is retracted upward by the spring 33a.

Furthermore, when the excitation of the solenoid 34a is stopped, the pinch roller 30b is moved by the spring 34b to the conveying roller 30a.
Pressed by As a result, the upper payment slip p b (P 2 + P 3
) is taken out to the conveyance path 27 via the gate 58, further guided to the accumulation section 72c via the gates 58 and 59a, and accumulated in the accumulation section 72c.

FIG. 6 shows the cutter device 60. As shown in FIG. That is, when cutting the receipt 13 portion from the telephone bill payment slip Pa, the cutter 60, which is normally retracted upward by the spring 60b, is moved upward in synchronization with the passage of the payment slip Pa.
a is moved downward by the excitation of the solenoid 60c.

The cutter 60a is rotatably mounted, and is rotated by a motor (not shown) or a driving motor 26a of the conveyance path 27 via a gear or the like.

Simultaneously with the rotation of the cutter 60a, the telephone bill payment slip Pa is moved by the drive roller 24, which is driven by the drive motor 26a via the timing belt 26c, which is stretched around the pulleys 26b, as indicated by the arrow in the figure. The transaction medium is transported in the four directions shown in the transaction medium insertion slot. However, the cutter 60a
is brought into contact with a predetermined position of the payment slip Pa, whereby the telephone bill payment = Pa is cut into a predetermined size.

As a result, the receipt P1 is cut off from the telephone bill payment slip Pa. The receipt P1 cut out from the payment slip Pa is conveyed as it is along the conveyance path 27 in the direction of the transaction medium insertion slot 4.

Also, at the same time as the disconnection, the gate 62 is operated by the excitation of the solenoid 61, so that the telephone bill payment slip P
Notice P2 to the issuer of a and copy P at the receiving financial institution
One portion is guided to a branch conveyance path 67 on the side of a drive roller 66 driven by a motor 63 via a timing belt 65 that is stretched around pulleys 64 and 65.

The receipt PL cut out from the payment slip Pa in this manner is transferred to the branch conveyance path 2 from the transaction medium insertion slot 4 side by the action of the gate 71 so that the stamped surface thereof faces the stamping device 70.
71, where a receipt stamp is affixed by the stamping device 70, and then issued to the user through the transaction medium insertion slot 4. In addition, for the above-mentioned receipt P, by printing in place of the receipt stamp by the printing mechanism 52, the receipt P1 cut from the payment slip Pa can be issued directly to the user from the transaction medium insertion slot 4. You may also do this.

On the other hand, when a receipt P is issued to the user,
Payment slip Pa (P2
+P,) are transported in the opposite direction to the transaction medium insertion slot 4 direction to the gates 5g and 59a.

It is led to the accumulation part 72b via 59b and 59c, and is accumulated in this accumulation part 72b.

Note that the gas fee payment slip p by the cutter mechanism section 30 is
The cutting process for the telephone bill Pa and the cutting process for the telephone bill payment slip Pa by the cutter device 60 are both completed by the user, and the results are recorded as the payment slips Pa and P.
This is done after printing on b.

Next, the payment slip processing operation in the above configuration will be explained with reference to FIG. 2. First, the user manually selects the type of payment slip to be inserted using the touch panel provided on the CRT display device 14. (Step)
.

Subsequently, the device main body excites the solenoid 22a to open the shutter 22 and open the transaction medium entry port 4. Then, when the payment slip is inserted by the user (Step 2),
Its insertion is detected by darkening the detector 23. The inserted payment slip is held between the drive rollers 24 . . . and the pinch rollers 25 . . . and taken into the transaction medium processing unit 86 . As a result, while the loaded payment slip is being conveyed along the conveyance path 27, information regarding the payment is read by the optical reading device 42 according to the format and recognized. Here, the recognized amount information is sent to the main control unit 81, stored in a memory (not shown), and simultaneously displayed on the CR7 display device 14 (Step 3). Here, the main control section 81
The user is prompted to confirm on the R7 display device 14, so if the user wants to proceed to the next step, press YES.
Select S, and if it is not good, select No (S t e p
4). If NO is selected, the payment slip in the optical reading device 42 is returned from the transaction medium entrance 4 through the reverse route (Step 5).

If YES is selected, the payment slip is further conveyed along the conveyance path 27 and passed through the gate 58, 59a to the -time storage section 7.
It is accumulated in 3. Next, the main control unit 81 controls the CR7 display device 1
4, you will be asked whether there is another payment slip (Step 6). If the user selects YES here, the user manually draws the payment slip again and repeats the process from 5 tepl to 5 tepl.
Repeat steps up to 6 until all payment slips have been suppressed.

Here, when new amount information is sent, the amount information read by the optical reader 42 and stored in the memory is added to the amount information, and the memory contents are updated and stored.At the same time, the amount information is displayed on the CR7 display device 14. (Step 3).

That is, if multiple payment slips are inserted, their total amount will be displayed. If you select No in 5tep6, that is, when all the payment slips have been inserted, the main control unit 81 will inquire whether it is OK to start the transaction (
Step 7). If you select NO here, all inserted payment slips will be returned (Step 14) and 5 steps will be returned.
Return to state l. If YES is selected in Step 7, the total amount of the multiple payment slips is deposited based on the payment information read and recognized by the optical reader 42 (Step 8). The deposit is made and the deposit amount is displayed on the CR7 display device 14 (Step 9). Next, the main control unit 81 prompts the user to confirm (Step 10). If you select No here, the deposited banknotes and coins will be returned in full (Step 1), and you will return to Step 5 again. 5t
If you select YES in eplO, the transaction will be completed.
The total payment amount is subtracted from the total deposit amount.
It is paid out as change (Stap 12). When the return of the change is completed, the payment slips accumulated in the -time storage section 73 are taken out one by one by the paper feed roller 74, and are passed through the drive rollers 24 and 24 through the gates 59a and 5g.
. . . and pinch rollers 25 . At this time, the order in which the payment slips are taken out is reverse to the order in which they were inserted. That is, the later the item is inserted, the earlier it is taken out.

2. If the transaction using the above-mentioned retrieved payment slip is a telephone bill payment transaction, that is, in the case of processing by accepting the telephone charge payment slip Pa, after the payment slip Pa is taken out from the -time storage section 73. The printing mechanism 52 prints the receipt on the payment slip Pa. Then, the payment slip Pa that has been received and printed is conveyed on the conveyance path 27 in the direction of the transaction medium insertion slot 4 and sent to the cutter device 60 .

When the payment slip Pa reaches the cutter device 60, the cutter 60a is brought into contact with the payment slip Pa by energizing the solenoid 60c. Simultaneously with the rotation of the force generator 60a, the gate 62 is operated by the excitation of the solenoid 61. As a result, the above-mentioned telephone bill payment slip Pa is conveyed by the drive rollers 24... and the pinch rollers 25... as a receipt P, a notice P2, and a copy P.
It is cut into two pieces. The cut notice P2 and copy P are guided to the branch conveyance path 67 by the action of the gate 62, and are waited there. Also, the cut payment slip P
The receipt P1 of a is conveyed as it is on the conveyance path 27 and sent to the vicinity of the transaction medium insertion port 4, and guided to the branch conveyance path 271 by the action of the gate 71. This branch conveyance path 27
1, the receipt P1 is stamped with a receipt stamp at a predetermined position by the stamping device 70, and then conveyed through the gate 71 again and issued to the user through the transaction medium insertion slot 4 (Step 13). ).

When the detector 23 detects that the receipt P1 is removed by the user, the notification P that was waiting in the branch conveyance path 67 is removed.
2 and the copy P3 are conveyed by a drive roller 66 driven by a motor 63 and sent onto the conveyance path 27. Then, the conveyance path 27 is conveyed in a direction opposite to the direction of the transaction medium insertion slot 4, and the gate 58, 59a is reached.

It is accumulated in the accumulation part 72b via 59b and 59C.

On the other hand, when the transaction using the payment slip is a gas fee payment transaction, that is, when the gas fee payment slip pb is accepted and processed, the payment slip pb is taken out from the temporary storage unit 73 upon completion of the payment transaction. Thereafter, the printing mechanism 52 prints the receipt on the payment slip pb. Then, the received payment slip pb that has been printed is further conveyed on the conveyance path 27 and sent to the cutter mechanism section 30 via the gate 58.

The above payment slip pb is the conveyance roller 30 of the cutter mechanism section 30.
a and the pinch roller 30b, and when this is detected by the detector 31, the conveyance is stopped, and
Due to the excitation of the solenoid 32, the turning reroller 30d of the turning mechanism section 33 is pressed against the conveying roller 30c. Then, due to the excitation of the solenoids 34a and 35a, the pinch roller 3, which is pressed against the conveyance rollers 30a and 30a,
Ob, 30b are each avoided upward and pay slip pb
be separated from After that, the turning roller 30d is driven by the DC motor 33c, and as a result, as shown in FIG. It is made to bend. In this state, the pulse motor 30i is driven to move the cutter 30e along the bending part of the payment slip pb, so that the payment slip pb is divided into the receipt P, the others P4, the notice P2, and the copy P.

It is cut into two pieces.

When pb of the payment slip is cut in this way, the cut notice P2 and copy P are held here by the action of the flipping reroller 30d. Also, disconnected receipt @P
1 and others P4 are guided to the conveyance path 27 via the gate 58 by rotation of the conveyance rollers 30a and 30c.

Then, it is conveyed as it is on the conveyance path 27 in the direction of the transaction medium insertion port 4, and sent to the branch conveyance path 271 by the gate 71. Receipt i p guided to this branch conveyance path 271
+ and other P4 are stamped with the stamp device 70 at their predetermined positions.
After a receipt stamp has been affixed by
Step 13).

When the detector 23 detects that the user has removed the receipt P1 and other items P4, the notification P2 and copy P that were held in the cutter mechanism 30 are removed from the conveyor roller 3.
0a, 30c, etc., and sent onto the conveyance path 27. Then, the transaction medium insertion slot 4
The gates 58 and 59a are transported in the opposite direction.

It is accumulated in the accumulation part 72c via 59b.

In addition, if the transaction using the above payment slip is a payment transaction for rent, etc., that is, if the transaction is performed by accepting the payment slip Pc for rent, etc.,
Upon completion of the payment transaction, after the payment slip Pc is taken out from the minus hour storage section 73, the printing mechanism 52 prints a receipt on the payment slip Pc. Then, the received payment slip Pc that has been printed is conveyed onto the conveyance path 27 and sent to the cutter mechanism section 30 via the gate 58.

The payment slip Pc sent to the cutter mechanism section 30 is conveyed while being held between the conveyance roller 30a and the pinch roller 30b, and when this is detected by the detector 31, the conveyance is stopped, so that the payment slip Pc is inside the cutter mechanism section 30. will be put on hold.

Thereafter, the results of the transaction and the like are printed on the receipt R taken out from the receipt issuing mechanism 49 by the printing mechanism 52. That is, since the payment slip Pc for rent, etc. does not have a part that can be used as a receipt, a receipt R is issued instead. In this case, only one receipt R is taken out from the receipt issuing mechanism 49 by the action of take-out rollers 49a and 49b, and guided to the conveyance path 27 via the gate 5o. The receipt R guided to the conveyance path 27 is passed through the drive rollers 24... and the pinch rollers 25...
and is sent to the position of the printing mechanism 52. After the predetermined printing is done here, the drive roller 24...
and the pinch rollers 25 . . . , the transaction medium inlet 4 is conveyed on the conveyance path 27 toward the transaction medium inlet 4 and issued to the user. As a result, a receipt consisting of receipt R is issued to the user (Step B)
.

On the other hand, when the detector 23 detects that the receipt (receipt R) issued from the transaction medium entry port 4 has been removed, the payment slip Pc for rent, etc., held in the cutter mechanism section 3o is detected.
is the conveyance roller 30a.

30c, etc., and sent onto the conveyance path 27. Then, the transaction medium is conveyed on this conveyance path 27 in a direction opposite to the direction of insertion of the transaction medium 4, and is accumulated in the accumulation section 72d via the gates 58 and 59a.

Here, on the conveyance path 27, a sensor 75 is provided between the gates 59a and 59b to detect passage of the payment slip (or a piece of the payment slip). At the same time as this sensor 75 detects the passage of the rear end of the payment slip, the next payment slip is taken out from the temporary storage section 73 by the paper feed roller 74 and conveyed to the printing mechanism 52 via the gates 59a and 58. Ru. Here, the types of inserted payment slips are stored in the main control unit 81 in the reverse order of the insertion order. As mentioned above, since the payment slips are taken out in the reverse order in which they were inserted, the types of payment slips taken out from the -time storage section 73 are taken out in the order stored in the main control section 81. Therefore, predetermined processing (reading information, printing a receipt stamp, cutting the receipt, etc.) regarding each payment slip can be reliably performed.

In this way, the above process is repeated until there are no payment slips accumulated in the time storage section 73, and when all receipts have been issued, the transaction is terminated.

As described above, in the automatic transaction device of this embodiment, since the minus hour storage section 73 is provided, a plurality of payment slips can be accepted for one transaction. Further, the characteristics of a plurality of types of payment slip formats are stored in advance, and when the type of payment is specified, the corresponding payment slip format is selected and the payment slip is processed using its characteristics. As a result, even if multiple payment slips of different types are inserted, the information will be reliably read and the amount information will be totaled.

Since the user only has to pay the total amount on the inserted payment slip, the user only has to make one transaction. This can significantly reduce the burden on users and processing time when making payments.

In addition, in the above embodiment, payment slips for telephone charges, gas charges, rent, etc. were explained as examples, but the present invention is not limited to this, and for example, payment slips for electricity charges, water charges, etc., local taxes, automobile taxes, etc. can also be used. Applicable.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to handle a plurality of forms at once, and payment transactions regarding these plurality of forms can be executed in -degree payment transactions. It is possible to provide an automatic transaction device that can

[Brief explanation of drawings]

FIGS. 1 to 11 are for explaining one embodiment of the present invention, FIG. 1 is a block diagram schematically showing a transaction medium processing unit, and FIG. 2 is a process for actually performing a transaction. 3 is a block diagram schematically showing the cutter mechanism, FIG. 4 is an explanatory diagram for explaining the cutting operation in the cutter mechanism, and FIG. 5 is a flow chart showing the processing operation of the cutter mechanism. 6 is a perspective view schematically showing the structure of the cutter device, FIG. 7 is an external perspective view of the entire device, and FIG. 8 is a block diagram for explaining the overall structure.
Figures 9 to 11 show examples of payment slips. Figure 9 shows an example of the structure of a payment slip for telephone charges, and Figure 10 shows an example of the structure of a payment slip for gas charges. , FIG. 11 is a diagram showing an example of the structure of a payment slip for rent, etc. Pa, Pb, Pc...Payment slip (recording medium) Pl...
Receipt R...Receipt (receipt) 4...Transaction medium insertion slot 42...Optical reading device 52...Printing mechanism 70...Stamping device 73...-Time storage section 74... Paper feed roller 81...Main control unit 86...Transaction medium processing unit 100...Automatic transaction device

Claims (2)

[Claims] (1) A receiving means that accepts a recording medium on which at least amount information of information related to payment is recorded, a reading means that reads the amount information from the recording medium accepted by the receiving means, and a total of the amount information read by the reading means. a display means for displaying the total amount displayed on the display means, a transaction means for performing a payment transaction for the total amount displayed on the display means, and a storage means for temporarily storing the recording medium accepted by the accepting means until the transaction by the transaction means is completed. An automatic transaction device characterized by: (2) A receiving means for accepting a first recording medium in which at least amount information among the information regarding the payment is recorded and a second recording medium in which at least the amount information among the information regarding the payment is recorded; The first
, a reading means for reading at least the amount information from the second recording medium, a display means for displaying the sum of the amount information read by the reading means, and a payment transaction corresponding to the total amount displayed on the display means. An automatic transaction device characterized in that it is equipped with a transaction means.