JPH0782555B2 - Automatic faceless check card issuing device - Google Patents

Description

Description: TECHNICAL FIELD The present invention connects or attaches a check card issuing device owned by a customer, and records and prints predetermined data on a card in which the name of a handling financial institution is not yet written. The present invention relates to a device for automatically issuing a no-face check card, which is automatically issued as a no-face check card.

[Technical background of the invention and its problems] Conventionally, in addition to cash as a method of settlement for commercial transactions, there is a check settlement method on the assumption that a current account such as a bank is used. Enjoys its convenience greatly. However, when viewed from the bank side, this requires complicated paperwork, and with the increase in the circulation of checks, it has become a major bottleneck for the rationalization of bank business.

To briefly describe the check issuing process in a bank or the like, when a user such as a company or business operator opens a checking account, the bank issues a dedicated check book. When issuing a checkbook, the user's account number (including bank code and branch code) is printed on the checkbook, such as MI.
CR (Magnet Ink Character Recogni-tion) is printed and passed to the user. The user writes the amount on the check sheet with no face value written by hand or by using a check writer to pay the payment. Thus, issuing a conventional checkbook requires complicated paperwork on the bank side through manual intervention.

In addition, if the checkbook is lost or stolen, there is a risk that it will be illegally used unless it is immediately reported to a bank or the like.

In order to solve the above-mentioned problems, an automatic check card issuing device as disclosed in Japanese Patent Application No. 59-19803 filed by the present applicant is disclosed.

This check card requires a check card issuing device when the customer prints the face value on the check card and adds value to the check card, so that the customer can check the match with the account number written in the magnetic stripe of the no-face check card. Even if a check card with no par value is stolen, it is safe because it cannot be easily counterfeited because it is not worth adding the value just like in the past.

This one check card corresponds to one page of the conventional check book and needs to be issued by the customer's transaction financial institution.

In the above application, in the check card, the check card issuing device, and the faceless check card issuing device, the number of issued faceless check cards desired by the customer is input by the keyboard provided in front of the faceless check card automatic issuing device. Has become. For this reason, when the customer came to the automatic issuance machine of a no-parity check card to start a transaction, he / she had to confirm his / her identity and input the required number of no-payment check cards.

Moreover, if a no-parity check card was thrown, some proof was needed to confirm the transaction.

(Object of the Invention) The present invention has been made based on the above points,
According to the first aspect of the invention, the purpose is to have the check card issuing device provided to the customer store the data for certifying the customer himself / herself, and the customer desires it by the input means such as an attached keyboard. It is possible to set the number of issued faceless check cards in advance, and simply insert this check card issuing device into the automatic faceless card issuing device, and between the check card issuing device and the faceless check issuing device. We will provide a no-face check card automatic issuing device that collates the data that proves the customer, confirms that they match, and automatically issues the no-face check cards of the number set in advance by the customer. Especially.

A second aspect of the present invention is to provide an automatic faceless check card issuing device for printing data required for confirmation by a customer, in addition to issuing the set number of faceless check cards of the first aspect. .

(Summary of the Invention) The present invention relates to an automatic faceless check card issuing device, and a first aspect of the present invention is the amount data for issuing a face value written check card as securities and a customer's desire when issuing a faceless check card. A customer who stores in advance the input means 102 for inputting the number of issued credit cards and the customer data such as the financial institution number that issues the check card, the head office / branch number, the exchange number, and the account number that identifies the customer. Data storage means 153A, check card data storage means 153B for storing check card data consisting of the amount data input from the input means 102 and the desired number of no-parity check issuances, and input to the issued no-face check card Provided with a recording / printing means 104, 142 for recording / printing the recorded amount data and making a face-filled check. Removable slot for accepting a check card issuing device 100 that can be worn
1 and interface means 70 for exchanging data when the check card issuing device 100 is installed in the loading slot, and data stored in advance in the check card issuing device 100 via the interface device 70. It is a non-parsing check card automatic issuing device 10 installed in a financial institution that issues a non-parsing check card, and is specific to the financial institution such as the head office / branch number of the financial institution issuing the check card and the check exchange number. Management data storage means 82A for pre-storing the above data, and read customer data consisting of the customer data and the check card data read from the loaded check card issuing device 100 via the interface means 70. Read customer data storage means 82B, 82C and plain check card 1B not described as a check are stored in a standing position. A plain check card storage section 20 and a card ejection mechanism 30 for ejecting the plain check card 1B stored in the plain check card storage section 20 one by one.
And a plain check card sent from this card eject mechanism 30
A plain check card transport mechanism 41 for transporting 1B and a transport path of the plain check card transport mechanism 41,
Recording means 50 for recording and printing data specific to a financial institution, data for identifying a customer, etc. at a predetermined position of the check card 1B to be conveyed to make a faceless check card, and the faceless check card to the outlet 12. The data stored in the faceless check card transport mechanism 42 for transporting and discharging, the management data storage means 82A and the read customer data storage means 82B, 82C are collated, and if they match, the recording means 50 Data is recorded and printed at a predetermined position of the plain check card 1B via the
The control means 80 is provided for controlling the issue of the desired number of the no-face check cards from 12 to the desired customer data storage means 82B, 82C.

A second aspect of the invention is the control means 80 according to the first aspect of the invention.
The printing means 90 for printing and issuing the read customer data and the number of issued faceless check cards on the receipt 93 is added.

Therefore, the first aspect of the present invention is to provide the customer data stored in the check card issuing device 100 and the automatic faceless check card issuing device.
By collating with the management data stored in 10,
It is determined whether the customer is a legitimate customer who has an account with the financial institution, and the desired number of faceless check cards are automatically issued only to the legitimate customer. Only the desired number of faceless check cards will be issued to the customer, and the receipt 93 with the data necessary for confirmation printed when the customer issues the faceless check cards.

(Embodiment of the Invention) FIG. 1 shows a schematic structure of a check card distribution system including an automatic faceless check card issuing device 10 and a check card issuing device 100 according to the present invention. A check card issuing device 100, which will be described later, is provided to the customer who owns it, and the automatic faceless check card issuing device 10 is installed in the service corner of the predetermined financial institution or the like. At the upper front part of the issuing device 10, there is provided a payout device mounting opening 11 for inserting and mounting the check card payout device 100 brought by a customer. In addition, a check card discharge port 12 is provided at the lower part of the front face for discharging all issued faceless check cards. Further, a display device 14 for displaying input / output data, operation guides, etc. is provided between the mounting port 11 and the discharge port 12, and inside thereof, district data of the district in which the issuing device 10 is installed. A keyboard (not shown) for inputting necessary data such as date and time data is provided. As shown in FIGS. 2 (A) and 2 (B), the no-face check card automatic issuing device 10 issues a no-face check card 1 as shown in FIGS. 2A and 2B. It has a paper-sheet-like rectangular shape similar to that of a card or the like), and a magnetic stripe MS for writing and reading data is layered on a part of the back surface. Further, the faceless check card 1 is formed of, for example, a hard paper, and a characteristic area CP for reading the characteristic peculiarity of each faceless check card 1 is provided at a predetermined predetermined position above the check area. Is provided with an amount area MV for printing the check amount to be issued. The characteristic data of the characteristic area CP of the faceless check card 1 is printed so as to form a bar code band containing a plurality of specific magnetic materials having different holding powers, as shown in JP-A-59-261980, for example. Or, they are arranged in layers and are formed on each no-face check card 1 before being handed to a user who opened a checking account from a financial institution such as a bank, or when issued from the no-face check card automatic issuing device 10. Further, characteristic data unique to the checkless card 1 is read from the bar code band, and the characteristic data is recorded on the magnetic stripe MS. Further, the financial institution number of the bank or the like which issued the no-par value check card 1, its book / branch number, and the user's account number are also recorded in the magnetic stripe MS. Further, as will be described later, the magnetic stripe MS has a check card exchange number, which is recorded when it is sent out,
An area is provided for recording check card numbers, amounts, receiving bank numbers, issuing dates, etc. Of course, the money amount area MV of the no-face check card 1 is in an unprinted blank state. At the top of the front of the faceless check card 1,
In addition, a name column BN that displays the name of a financial institution such as a bank, a date column DT that is printed when a checkless check card 1 is issued, an exchange number column EN that displays the number of a clearing house, the head office / branch of the above financial institution A store name column BR for displaying the name and a serial number column CN for displaying the serial number of the check card concerned are provided. And
Below the characteristic area CP, a payee column RC is entered to indicate who (for example, a bearer) is to be issued when issuing a check, a sender column NM is displayed to show the sender's address and name (name), and a checking account. An account number column NB for displaying numbers is provided.
Furthermore, on the back side of the no-par value check card 1, the note box TC displaying the handling precautions of the check card 1 and the recipient's name etc. can be entered for later identification of the sender (Identification). An ID entry field IM has been provided. It should be noted that these displays, entry fields, etc. on the check card 1 can be rearranged in an arbitrary arrangement, and the front and back sides of the check card 1 can be interchanged and arranged freely.

Then, when such a faceless check card 1 is inserted from the insertion opening 101 provided on the front surface of the check card issuing device 100, the check card 1 is taken into the inside by a transport mechanism as will be described later, and is composed of a numeric keypad and a symbol key. Enter the required data at 102. In this case, the check card payment is confirmed while observing the numerical value (amount) displayed on the display device 103 provided above the keyboard 102, and the confirmation key in the keyboard 102 when all input operations are completed. The payout amount is printed in the amount area MV and the payout check card 1A in which the payout amount, the payout date, the check card number, etc. are recorded on the magnetic stripe MS is ejected from the ejection port of the check card ejecting device 100. This will be handed over to the claimant (creditor) from the check card issuer. Here, the check card number is automatically assigned as a serial number each time a check card is issued from the check card issuing device 10.

The user who receives the check card 1A issued in this way is an ATM (Automatic Tel) installed at a financial institution such as a bank.
Insert the check card 1A into the card slot of ler's Machine) 2 and transfer it automatically to your deposit account online.
Further, in the case of the check card issuing store, it is possible to directly cash. In addition, a check card 1A is installed at the bank teller's OTM (On-Line Teller's Machin
e) Dedicated check card reader 4 connected to 3
A window clerk can insert the money into the bank account of the bearer online. In the case of these monetary processing, it is a question whether or not there is a balance in the checking account of the check card issuer in order to deposit or cash with ATM2 or OTM3, so ATM2 or OTM3 can be used online by the check issuer. The balance of the checking account is checked and it is possible to deposit or cash only when the amount is within the balance.

Here, the structure of the automatic faceless check card issuing device 10 will be described with reference to FIG. 3. The plain check card 1B is aligned with the plain check card storage portion 20 in a standing state by being pushed by the sliding member 21. A card take-out mechanism 30 for taking out the plain check cards 1B one by one is provided at the tip of the card. A plain check card sent from the card eject mechanism 30
1B is taken into a plain check card transport mechanism 41 consisting of a plurality of roller pairs and two belt pairs wound around the roller pair,
At the end of the transport mechanism 41, data is recorded / printed at a predetermined position of the plain check card 1B being transported, and the characteristic of the characteristic area CP is read and the characteristic is detected in the magnetic stripe MS. A data recording / printing means 50 having means is provided, and the detecting method as shown in the above-mentioned Japanese Patent Application No. 59-261980 can also be used for this characteristic detecting means. Then, in the subsequent stage, a faceless check card transport mechanism 42 reaching the check card discharge port 12 is arranged, and the transport mechanisms 41, 42 and the data recording / printing means 50 are provided.
Check card transfer means 40 with internal transfer mechanism (not shown)
Is formed. The check card carrying mechanism 42 abuts and drops the non-parsing check cards 1 carried by a claw piece 43 swinging as shown by an arrow in the figure, sequentially stacking them and holding them, and after holding a predetermined number of them. Hold an elevator mechanism 44A composed of rollers or the like between a temporary holding section 44 for raising and batch sending, and a predetermined number of faceless check cards 1 sent from the temporary holding section 44 between the belt 42A. And intermediate transfer device 45 for transferring
The check card that has been conveyed in 45 is excluded by the excluding unit 60 or is conveyed to the rear final stage conveying device 47 for discharging, and the claw member 46 is provided.
The check card 1C with no face value is discharged from the terminal end of the card to the discharge port 12 and is issued, and the check card 1C excluded by the excluding section 60 is taken out by separately opening and closing a door or the like.
Further, the check card issuing device 100 mounted in the mounting opening 11 of the automatic faceless check card issuing device 10 is connected to the control means 80 via the interface means 70, and the control means 80 is
The customer data stored in the check card issuing device 100 is read out and stored, and the stored read out customer data is collated with the management data stored in advance in the check card issuing device 10 to issue a faceless check card. The keyboard 102 of the check card issuing device 100 is checked in advance as well as the possibility of being checked.
The card take-out mechanism 30 and the check card carrier 40 for reading the number-of-issues data of the no-face check card issued by the customer, which is inputted by using the card, to issue the no-face check card 1.
Also, the data storage / printing means 50 is controlled. The check card issuing device 100 is attached to the automatic faceless check card issuing device 10 as shown in FIG. 4, and the rotary rollers 15A and 1A arranged on both sides in the attachment opening 11 are attached.
The 5B makes it easy to put on and take off.
In this case, anti-slip members may be layered on both sides of the check card issuing device 100, or a rack or the like may be engraved. Further, the customer data (the bearer of the check card issuing device 100) can be handed to the customer (the bearer of the check card issuing device 100) with the receipt of the check data such as the customer data and the number of the no-face check card issuances to the automatic no-face check card issuing device 10. A print unit 90 is provided for journal-printing and leaving the proof of the. And issue a receipt 93,
It is supposed to be saved in the journal 94.

FIG. 5 shows a control system of the automatic faceless check card issuing device 10, and the control means 80 is a CPU for controlling the whole.
(Microcomputer, etc.) 81, management data such as “financial institution number”, “book / branch number”, “exchange number”, etc. stored in advance in the automatic faceless check card issuing device 10 and from each device means A RAM 82 for storing information and reading and processing it when necessary, a ROM 83 for storing an operation program described later, and the above-mentioned automatic faceless check card issuing device 1
It is composed of a district device in which 0 is installed and a calendar device 84 that outputs date and time data (date, day of the week, hour, minute, etc.) adopted by this district. CPU 81 and RAM 82, R
The OM 83, the drive unit 30A of the take-out mechanism 30, the drive unit 40A of the transfer means 40, and the like are mutually connected via a bus line 85.
Here, as shown in FIG. 9, the RAM 82 has the above-mentioned automatic faceless check card issuing device 10 installed therein, and the financial institution number of the bank or the like issuing the check card, the book / branch number, the check card exchange place. Management data memory unit 82A storing management data of names, and financial institution number, book / branch number, exchange number stored in RAM 153 of check card issuing device 100 provided to each customer as described later. , The account number, address, name, and other data regarding each customer and the number of check card issuances desired by each customer when the check card issuing apparatus 100 is installed, the check card issuing apparatus 100
Read customer data memory unit that stores data read from
82B and this issuing device which is the cumulative value of the check card issuance number data stored in the read customer data memory section 82B.
The check card data memory section 82C of the issuing device 10 that stores data such as the total number of issued no-face check cards issued by 10 and the issuing check number, and other information that stores information from other device means. It is composed of a data memory unit (not shown), and the above-mentioned stored data is read and collated at the time of collation described later, and is also read and processed as necessary. . The number of plain check cards 1B stored in the plain check card storage unit 20 is to be detected by a separate sensor.
The release to the temporary storage unit 44 and the release to the release port 12 are also detected by a separate sensor.

The operation of such a configuration will be described with reference to the flowchart of FIG.

When automatically issuing the faceless check card 1, the customer first inputs a predetermined password (personal identification number or the like) to the check card issuing device 100 by using the keyboard 102 to activate the check card issuing device 100. ,
Confirm that you are who you are (step S1). In this case, if the passwords do not match, it is not possible to confirm the person himself / herself, so that may be displayed by a lamp or may be output by voice.

Next, the customer inputs the desired number of faceless check card issuances with the keyboard 102 while checking the numerical value displayed on the display device 103 (step S2. Such identification and activation of the check card issuing device 100) After inputting the number of issued cards, the check card issuing device 100 is attached to the automatic faceless check card issuing device 10 (step S3), but this is detected by the sensor (not shown) by inserting the check card issuing device 100 into the attachment opening 11. Then, the rotating rollers 15A and 15B provided on both sides are driven through the control section 15C, and the check card issuing device 100 is mounted on the automatic faceless check card issuing device 10 as shown in FIG. When the check card issuing device 100 is attached to the automatic faceless check card issuing device 10, the check card issuing device 10
Via interface means 70 engaging the tip of 0,
As shown in FIG. 9, the “financial institution number”, “book / branch number”, “exchange number”, and “account” stored in the customer data memory unit 153A of the RAM 153 of the check card issuing device 100 described later. Customer data such as “number”, “address”, “name”, etc., and the above-mentioned issued number of sheets data are read (step S4), and the CPU 81 decodes these encrypted read data to execute a faceless check. Card automatic issuing device
The customer data memory unit 82B of the RAM 82 of 10 and the stored customer data and the "financial institution number", "book
Check the management data of "branch number" and "converting station number",
It is determined whether or not the check card issuing device is at the store (step S5). When it is determined that the check card issuing device is not the check card issuing device of the store, the check device is displayed on the display device 14 and the installed check card issuing device is automatically returned, or the check is manually performed by the customer. Perform invalidation processing such as removing the card drawing device (step S2).
1).

When it is determined that the check card issuing device is the check card issuing device of the store in step S6, it is displayed on the display device 14, and thereafter, the card take-out mechanism 30 and the check card carrying means 40 are operated via the CPU 81. At the same time, the claw piece 43 is placed in an upright position as shown. Then, the plain check cards 1B are taken out one by one from the plain check card storage unit 20 and sent to the transport mechanism 41 (step S6), and the sent plain check cards 1B are transported by the transport mechanism 41 to record data.
Reaching the printing means 50, the bank number or branch number recorded in advance on the magnetic stripe MS is read by a reading head (not shown), and the automatic faceless check card issuing device 10
It is checked whether or not it matches the bank number, branch number, etc. of the card (step S7), and if they match (step S8), the card-specific characteristics of the characteristic area CP are recorded and printed as described above. It is read by the characteristic detection means in the means 50 (step S9), and the address is entered in the sender column NM of the check card.
The "name" and "account number" are printed (step S10). Then, scrambling for encrypting each data of the financial institution name, branch number, exchange number, account number and serial number is performed based on the characteristic data read this time (step S11), and then scrambled. Data recording / printing means 50 for magnetic stripe
Record in MS (step S12). In this way, the checkless card 1 with the data recorded by the data recording / printing means 50 is further conveyed by the check card conveying mechanism 42, and hits the claw piece 43 provided on the way to be arranged below the check piece 43. It is dropped into the temporary holding section 44, and at this time, the number of held sheets is counted by a sensor (not shown).
Therefore, if the number of reserved sheets in the temporary holding section 44 has not reached the set number, the process returns to the step S6 and the above-mentioned take-out / conveying operation is repeated (step S1).
3). If the data does not match in the steps S7 and S8, the elevator mechanism 44A in the temporary holding section 44 is raised, the pawl piece 43 is rotated to the horizontal position, and the pawl member 46 is raised. Rotate to the state and remove it together with the already held no-face check card
Exclude to 60 (step S20), and return to step S6. In this case, the non-parsing check card conveyed by the intermediate conveying device 45 hits the claw member 46 and is dropped by the curved guide to the lower excluding portion 60.

On the other hand, when the number of held no-face check cards in step S13 reaches the set number, the date and time data and the district data stored in the calendar device 84 of the no-face check card automatic issuing device 10 are transferred to the check card. Device 100
To the calendar device 152, and rewrite the data (step S
14) After that, the installed check card drawing device is automatically returned, or the display prompts you to remove the check card drawing device (steps S15, S16). The check card issuing apparatus 100 may be pulled out after the issuance of the faceless check card 1 or immediately before the release of the faceless check card. In this way, the check card issuing device 10
When 0 is removed from the automatic faceless check card issuing device 10, the claw piece 43 is rotated to the horizontal position, and the claw member is
46 is also in the horizontal position and goes out of the conveyance path, and the elevator mechanism
By raising 44A, the no-face check cards in the temporary holding section 44 are collectively sent to the intermediate transfer device 45,
The faceless check cards carried by the intermediate carrying device 45 are further sent to the final-stage carrying device 47, and are collectively discharged from the terminal end thereof to the discharge port 12 (step S17). At the same time, the printer 92 of the printing unit 90 prints on the roll paper 91 the necessary data such as the customer data read out, the number of issued faceless check cards, the account code, the serial number of the check card, and the transaction date (step S18), the receipt 93 is discharged to the discharge port 12 (step S19), and the journal 94 is stored as an issue record of the automatic faceless check card issuing device 10. The check card issuance operation ends when the customer receives the faceless check card 1 and the receipt 93 discharged to the discharge port 12.

The faceless check card 1 issued as described above,
The customer inserts the check card issuing device 100 into the check card issuing device 100 and issues the check card 1A. Next, an outline of the check card issuing device 100 will be described. As the check card issuing device, for example, the invention of Japanese Patent Application No. 58-237275 can be used, but a device having a structure shown in FIG. 7 may be used.

Here, FIG. 7 shows a schematic structure of the check card issuing device 100, and FIG. 8 is a block diagram showing a control system thereof.

The faceless check card 1 inserted from the insertion slot 101 is adapted to be transported to the discharge port 115 by transport mechanisms 110 to 113 driven by a motor or the like, and the transport mechanisms 110 to 113 are wound around roller sets, respectively. The faceless check card 1 is sandwiched and conveyed between the pair of upper and lower belt conveyors. Further, at the entrance of the insertion slot 101, an insertion detection sensor 116 including a light emitting / receiving element for optically detecting the insertion of the inserted faceless check card 1 is provided, and the rear end of the transport mechanism 112. The section is provided with a print stop position sensor 117 composed of a light emitting and receiving element for detecting the faceless check card 1 taken in and stopping it at a predetermined position for printing. At the rear end, it is detected that the shaken check card has been conveyed, and the conveyance mechanisms 110-113
Card position detection sensor 118 for stopping the driving of
Are provided, and the sensors 116 to 118 form a detection unit 120. Further, a characteristic detection device 130 for reading the characteristic peculiarity of the inserted faceless check card 1 is provided in the middle of the transport mechanism 110, and the characteristic detection device 103 is provided.
Also, a detection method as shown in the above-mentioned Japanese Patent Application No. 59-261980 can be used. A read head 141 for reading the data written on the magnetic stripe MS of the faceless check card 1 is provided in the middle of the transport mechanism 111, and a control described later is provided in the middle of the transport mechanism 113. A write head 142 is provided for writing the data processed by the device to the magnetic stripe MS of the paycheck card 1A. The read head 141 and the write head 142 are
A read / write magnetic head may also be used, and the position where it is arranged may be provided immediately after the read head 141.
The transport mechanism 112 is provided with a printer 104 for printing the data input by the keyboard 102 on the amount area MV, and the transport mechanism 1 is used for printing by the printer 104.
12 is to be stopped.

On the other hand, in the block diagram of FIG. 8, a CPU (microcomputer, etc.) 150 is designed to perform overall control, and an operation program is stored in the ROM 151.
As shown in FIG. 9, the RAM 153 has a customer data memory section.
Data relating to the customer who provided the check card issuing device 100 such as the financial institution number, book / branch number, exchange number, account number, address, and name is stored in 153A, and the check card data memory unit 153B stores the data as described above. Data such as the number of issued check cards and the amount of check card issued by the user are stored in the keyboard 102, and the characteristic data detected by the characteristic detection device 130 is stored in another data memory unit (not shown). The data entered by the keyboard 102 and the like are stored, and the stored data is stored in the check card issuing device 100 mounted on the automatic faceless check card issuing device 10 as described above.
Read through 70, stored in the read customer data memory unit 82B of the RAM 82 of the automatic faceless card issuing device 10 and collated with the management data stored in the management data storage unit 82A of the RAM 82, and It is designed to be read and processed when necessary. In addition, the calendar device 15
2 stores the date and time data (date, day of the week, hour and minute, etc.) when the check card issuing device 100 issues the check card and the district data of the district that uses this date and time data, or the check card 1A. It is composed of a clock circuit for writing the date and time of transfer, ROM 151, calendar device 152, R
The AM 153, the keyboard 11 and the like are interconnected with the CPU 150 by a bus line 154.

In such a configuration, when the check issuer uses the check card issuing device 100 to issue a check, the check issuer first inputs the password negotiated with a financial institution such as a bank on the keyboard 102. Then, the check card issuing device 100 is activated only when the person himself / herself is confirmed by inputting the password. If the passwords cannot be matched, the fact is displayed on the display device 103 or output by voice. Next, when the no-face check card 1 given in advance by a financial institution is inserted into the insertion slot 101,
No-face check card 1 with insertion detection sensor 116
The transfer mechanism 110 to 113 is driven via the CPU 150 to detect the front end of the card, and carry in the non-facet check card 1 inside. In the course of this conveyance, the no-face check card 1 is read by the characteristic detection device 130 provided in the middle of the conveying mechanism 110 to read the characteristic peculiar to the no-face check card 1, and the characteristic data is stored in the RAM 153. Further, the check issuer's account number recorded in the magnetic stripe MS is read via the read head 141 provided in the middle of the transport mechanism 111, and the leading end of the read no-face check card 1 is at the print stop position. When reaching the sensor 117, the conveyance of the conveyance mechanisms 110 to 113 is stopped via the CPU 150. Then, it is determined whether the account number given in advance by the bank or the like and the account number read by the read head 141 match, and the characteristic data actually detected by the characteristic detection device 130 is the check sender. Before it is passed from a financial institution, etc., it is judged whether or not it matches or is within the allowable range with the characteristic data detected in advance and recorded in the magnetic stripe MS, and if the account number does not match or the characteristic data matches or If it is not within the allowable range, the transport mechanisms 110 to 113 are turned over via the CPU 150 to return the non-parsing check card 1.

Here, when the account numbers match and the read characteristic data match or are within the allowable range, the keyboard 102 is used to enter the amount to be transferred by a check, and the entered amount data is a check card. Drawer 100
Display device 10 including a liquid crystal display or the like provided on the upper part of the
It is displayed in 3, and it is confirmed whether this amount is the amount to be paid out by check. If the amount of money is OK, the confirmation key provided on the keyboard 102 is operated, whereby the CPU 150 operates the printer 104, and the numerical value is displayed in the amount area MV of the no-value check card 1 that has been taken in and stopped. Print the amount. In this way, visibly printing the check amount in the amount area MV of the no-parace check card 1 is anxious when the user who receives the check card 1A cannot see it. This is because it causes a problem in the credibility of 1A.

When the printer 104 finishes printing on such an amount area MV, the CPU 150 drives the transfer mechanisms 110 to 113 to further transfer the payout check card 1A, and at the time of this transfer, the amount stored in the RAM 153 and the calendar device 152. The date and time data output from the write check card 1A is written to the magnetic stripe MS of the check card 1A via the write head 142, and the new characteristic data detected by the characteristic detection device 130 and stored in the RAM 153 is written to the magnetic stripe MS. The characteristic record data is updated by writing in a predetermined area. This is because it is possible that the check card 1A may become dirty due to transactions, and it is necessary to always keep the latest data. At the same time, the date and time data of the calendar device 152, the issued amount, etc. are stored in a predetermined area of the RAM 153, and then the transaction status of the day and the check card distribution status of the month are summarized in a table on the printer 104. It is printed to ensure the safety of issuing check cards and the smoothness of use. Then, when the card position detection sensor 118 detects the tip of the check card 1A, the conveyance mechanism 110 to 113 stops the conveyance through the CPU 150, and then reverses the check card 1A.
Is discharged to the insertion slot 101, and the payout operation of the paycheck card 1A is completed.

In the above-mentioned embodiment, the case where the check card is formed of paper has been described, but any material that can read the characteristics peculiar to the card may be used, and the shape of the card and the position of recording and printing on the card can be arbitrarily set. Can be changed.

(Effect of the Invention) In the first aspect of the present invention, the customer sets the desired number of check cards to be issued in advance by using the provided check card issuing device, and the issuing device is installed in a financial institution or the like. With the simple operation of inserting the card into the automatic faceless check card issuing device and inserting it, the customer data is confirmed to be a legitimate customer, and this match automatically generates the required number of faceless check cards. Since it is issued in a timely manner, there is an advantage that it is not necessary to operate the device for customer authentication related to the issuance of a troubleless checkless check card.

Further, in the second invention, the data necessary for the customer to confirm, such as the number of issued cards, the account number, the serial number of the no-parity check card, the date of the transaction, etc., are printed on the receipt and issued. There is an advantage of giving a sense of security and convenience.

[Brief description of drawings]

FIG. 1 is a block diagram showing an example of a check distribution system using the automatic faceless check card issuing device of the present invention, and FIG. 2 (A) is a front view showing an example of a check card used in the present invention. B) is a rear view thereof, FIG. 3 is a schematic mechanical view showing one embodiment of the automatic faceless check card issuing device of the present invention, and FIG. 4 is a device for issuing check cards to the automatic faceless check card issuing device. FIG. 5 is a block diagram of a control system showing an embodiment of an automatic faceless check card issuing device of the present invention, FIG. 6 is a flow chart showing an operation example of the present invention, FIG. 7 and FIG. FIG. 8 is a mechanism diagram and a block diagram showing an example of a check card issuing device which cooperates with the automatic faceless check card issuing device of the present invention.
The figure is a view for explaining the collation of the automatic faceless check card issuing device and the check issuing device of the present invention. 1 …… No par value check card, 1A …… Drawing check card,
1B: Plain check card, 2 ... ATM, 3 ... OTM, 4 ...
… Check card reader, 10 …… Automatic check card issuing machine, 11 …… Drawer slot, 12 …… Check card exit, 14 …… Display, 15A, 15B …… Rotary roller, 20… … Solid check card storage, 21 …… Sliding member,
30 …… Card removal mechanism, 40 …… Check card carrier,
41 …… Plain check card transport mechanism, 42 …… No-face check card transport mechanism, 43 …… Claw piece, 44 …… Temporary storage section, 44A
...... Elevator mechanism, 45 …… Intermediate transfer device, 46 …… Claw member, 50 …… Data recording / printing means, 60 …… Exclusion section, 70 ・ ・ ・
... interface means, 80 ... control means, 81 ... CPU, 8
2,153 …… RAM, 82A …… Management data memory section, 82B, 153A
...... Customer data memory section, 82C, 153B ...... Check card data memory section, 83 ...... ROM, 90 ...... Print section, 91 ......
Roll paper, 92 ... printer, 93 ... receipt, 94 ... journal, 100 ... check card issuing device, 101 ... insertion slot, 102 ... keyboard, 103 ... display device.

Continuation of front page (51) Int.Cl. ⁶ Identification number Office reference number FI Technical indication location G07F 7/08 (56) References JP-A-60-164867 (JP, A) JP-A-60-114960 (JP , A) JP 60-128592 (JP, A) JP 60-77263 (JP, A) JP 58-50067 (JP, A) JP 55-164971 (JP, A)

Claims (2)

[Claims] Claims: 1. Input means for inputting amount data for issuing a face-valued check card as securities and the number of issuances desired by a customer at the time of issuing a no-parity check card, a financial institution number for issuing the check card, Customer data storage means for storing in advance data specific to financial institutions such as head office / branch number, exchange number, and customer data such as account number for identifying a customer; and the amount data and the no-face check that are input from the input means. Equipped with a check card data storage means for storing check card data consisting of the desired number of issued cards, and a recording / printing means for recording / printing the amount data input to the issued no-par-value check card to make a check with a face value. A mounting opening for accepting a removable check card issuing device that is provided to a customer in advance and is removable, and the check card An interface means for exchanging data when the apparatus is mounted, and is installed in a financial institution that reads the data stored in advance in the check card issuing apparatus through the interface means and issues a no-par value check card. A check-value automatic card issuing device, which has a management data storage unit that stores in advance the data specific to the financial institution such as the head office / branch number of the financial institution issuing the check card and the check exchange number. A read customer data storage means for storing read customer data consisting of the customer data and the check card data read from the checked check card issuing device via the interface means, and a plain check card not described as a check. This is a plain check card storage unit that is stored in an upright position. A card take-out mechanism for taking out the plain check cards stored in the storing section one by one, a plain check card carrying mechanism for carrying the plain check cards sent from the card taking mechanism, and a carrying of the plain check card carrying mechanism A recording means for recording and printing data specific to a financial institution and data for identifying a customer at a predetermined position of the check card, which is provided on the route and is conveyed, and a non-parsing check card, and the non-parsing check card is released. The data stored in the management data storage means and the read customer data storage means are collated with each other, and if they match,
Control for recording and printing data at a predetermined position of the plain check card via the recording means, and issuing control for issuing a desired amount of faceless check cards from the discharge port to the read customer data storage means. An automatic face-value check card issuing device, characterized by comprising: 2. An input means for inputting amount data for issuing a face-valued check card as securities and an issuance number desired by a customer when issuing a no-face check card, a financial institution number for issuing the check card, Customer data storage means for storing in advance data specific to financial institutions such as head office / branch number, exchange number, and customer data such as account number for identifying a customer; and the amount data and the no-face check that are input from the input means. Equipped with a check card data storage means for storing check card data consisting of the desired number of issued cards, and a recording / printing means for recording / printing the amount data input to the issued no-par-value check card to make a check with a face value. A mounting opening for accepting a removable check card issuing device that is provided to a customer in advance and is removable, and the check card An interface means for exchanging data when the apparatus is mounted, and is installed in a financial institution that reads the data stored in advance in the check card issuing apparatus through the interface means and issues a no-par value check card. A check-value automatic card issuing device, which has a management data storage unit that stores in advance the data specific to the financial institution such as the head office / branch number of the financial institution issuing the check card and the check exchange number. A read customer data storage means for storing read customer data consisting of the customer data and the check card data read from the checked check card issuing device via the interface means, and a plain check card not described as a check. This is a plain check card storage unit that is stored in an upright position. A card take-out mechanism for taking out the plain check cards stored in the storing section one by one, a plain check card carrying mechanism for carrying the plain check cards sent from the card taking mechanism, and a carrying of the plain check card carrying mechanism A recording means for recording and printing data specific to a financial institution and data for identifying a customer at a predetermined position of the check card, which is provided on the route and is conveyed, and a non-parsing check card, and the non-parsing check card is released. The data stored in the management data storage means and the read customer data storage means are collated with each other, and if they match,
Control for recording and printing data at a predetermined position of the plain check card via the recording means, and issuing control for issuing a desired amount of faceless check cards from the discharge port to the read customer data storage means. An automatic denomination check card issuing device comprising: means for printing the read customer data and the number of issued denomination check cards on the receipt by the control means.