JPH0822504A - Electronic passbook data printing method - Google Patents

Abstract

(57) [Summary] [Purpose] In the printing method of transaction data stored in an electronic passbook, it is possible to output the printing result in a form convenient for storage and reference, similar to the conventional paper passbook. It is to provide a printing method that can be realized by a device that is simpler and cheaper than the above-mentioned bookkeeping machine. [Configuration] Transaction data and a page number of a printing paper on which the transaction data is printed are stored in an electronic passbook. When this transaction data is read from the electronic passbook and printed, the transaction data is read page by page. That is, the page number of the page to be printed and all transaction data belonging to that page are read. Then, the read transaction data and page number are printed on each page of the printing paper.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention generally relates to a bank passbook (hereinafter referred to as an electronic passbook) of a financial institution using an IC card, an optical card, an IC / optical hybrid card, or the like. The improvement of the method of printing the transaction data recorded on the paper.

[0002]

2. Description of the Related Art A financial transaction processing method using an electronic passbook using an IC card, an optical card, an IC / optical hybrid card or the like in place of a paper deposit passbook has been proposed. If an electronic passbook is used, it is possible to store a large amount of transaction data that is several tens to several hundreds of times larger than a paper passbook. However, the electronic passbook has a drawback that the data cannot be viewed directly by human eyes because the data is stored electronically or optically. Therefore, it is necessary to use a display device or a printer in order to visually read the data stored in the electronic passbook.

The invention of Japanese Examined Patent Publication No. 5-11349 is known as a visual display method of data in an electronic passbook. In this conventional method, when a customer wishes to inquire about past transaction data, he / she reads the transaction data after the corresponding date from the electronic passbook by the date input operation and combines it with the unregistered data stored in the data storage memory. It is provided with a means for formatting the paper passbook and displaying it on the customer display, and a means for printing out the display contents on a single sheet / roll paper.

[0004]

One problem with this conventional method is that it is more difficult to store and refer to the transaction data printed out, as compared to a paper passbook.

That is, when transaction data is printed on roll paper, the length of the roll paper to be printed out differs depending on the amount of transaction data, so it is difficult to store and refer to it. Also, when printing on a single sheet, it is easy to store, but the number of lines to be printed changes depending on the amount of transaction data, so there will be a margin on the single sheet. When you do, it is difficult to refer because there is a blank space on the page in the middle.

[0006] On the other hand, in the bookkeeping machine for the current paper passbook, the transaction data is continuously printed while automatically turning the pages of the passbook so that no margin is generated on the page. There is no problem. However, it is a complicated and expensive machine because it requires a mechanism for turning over pages, a mechanism for recognizing a printed area in a passbook and determining a start line of printing.

Therefore, an object of the present invention is to print transaction data of an electronic passbook so that the print result can be output in a form convenient for storage and reference as in the case of the conventional paper passbook. An object of the present invention is to provide a printing method that can be realized by a device that is simpler and cheaper than a bookkeeping machine.

[0008]

A printing method according to the present invention is a means for reading data stored in advance in page units in an electronic passbook in page units, and the read data in page units for printing on page-based printing paper. And means for doing so.

In addition to the above configuration, it is also possible to provide a means for writing unbooked data into the electronic passbook page by page.

[0010]

According to the method of the present invention, data is stored in the electronic passbook in page units, and when printing the data, the data is read in page units and printed in page units. Is printed on. That is, for example, if you want to print the data after a certain transaction date, and if the data for that particular transaction date is located in the middle of the page, then not only the data after that particular transaction date, but also the data before that All data including that page are read and printed on the printing paper in page units.

As described above, since printing is always performed in page units, when a certain data range is printed at a previous opportunity and a subsequent data range is printed at a later opportunity, the printout result of the previous opportunity and the subsequent result are printed. What is the printout result of the opportunity of
Even if the same page is printed again, there is no blank space between the two as in the past and they are connected continuously, so if you print out the printout result, you can store and refer to it. It's easy.

Moreover, the printing means does not require a page turning mechanism or a recorded area detecting mechanism, which is required in a conventional bookkeeping machine, and can be realized at low cost.

As the printing paper, a single form paper is used in the preferred embodiment, but a continuous form paper which can be separated in page units may be used.

In the preferred embodiment, in order to identify the page unit of the stored data, page information indicating the page to which the stored data belongs is stored in the electronic passbook. Then, when the customer specifies the data range to be printed, the page information is referred to, the page in which the specified range exists is recognized, and all the data belonging to the page is read out.

Further, in the preferred embodiment, means for writing the unbooked data into the electronic passbook page by page is also provided.
This writing unit determines the page unit of the unrecorded data so as to match the page unit of the already stored data based on the data of the last page already stored in the electronic passbook. As a result, the page unit of unrecorded data that will be added later to the electronic passbook and the page unit of the already recorded data will be consistently connected, that is, continuously, and these data will be continuously printed when printing. Is guaranteed.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a schematic configuration of an embodiment of a financial transaction processing system to which the present invention is applied.

As shown in FIG. 1, this system includes a computer center 3 for executing financial transactions and managing all transaction data, and an automatic teller machine (ATM) 7 connected to the computer center 3 by a dedicated line 5. Have and. When the customer has the electronic passbook 1 and uses the ATM 7, the customer sets the electronic passbook 1 in the ATM 7 and then inputs necessary information from the operation panel of the ATM 7. Here, the processing that can be performed by using the ATM 7 includes the execution of financial transactions such as deposit, withdrawal, and transfer, and the recording of unrecorded transaction data to the electronic passbook 1 and the printing of the recorded or unrecorded transaction data. There is a printout of.

FIG. 2 shows the structure of the ATM7.
Processing device 1 for performing information processing necessary for operation as ATM
1, a work memory 13 for the processing device 11, an electronic passbook read / write mechanism 1 for accessing the electronic passbook 1
5, a customer display 17 for providing a customer with a graphical interface, a customer data input mechanism 19 such as a touch sensor provided on the screen of the display 17, a cash withdrawal mechanism 21 for taking cash in and out,
A printer mechanism 23 for printing transaction data on a predetermined printing paper, a communication interface device 25 with the computer center 3, and the like are provided.

The printer mechanism 23 is used to print the printing paper 4 before printing.
1, a stacker 1 for stacking paper, a printer head mechanism 33 for printing transaction data on a printing paper 41, a stacker 35 for stacking printed printing paper 41, and a paper transport mechanism 37 for transporting the printing paper 41. I have it.

FIG. 3 shows an example of the printing paper 41 used in this embodiment. The printing paper 41 is a fixed size cut sheet, and a transaction description column 43 and a page in which a fixed number of transaction data can be written. The page page 45 for numbers is printed in advance. There is a filing hole 4 on the edge of the paper 41.
7 is also open.

FIG. 4 shows the external structure of the electronic passbook 1 used in this embodiment.

As shown in FIG. 4, this electronic passbook 1 has I
The hybrid card includes a C section 51, a magnetic recording section 53, and an optical recording section 55. The magnetic recording section 53 records information by forming magnetic domains therein, and can be rewritten freely. The optical recording section 55 records information by forming minute holes (pits) therein, and although it cannot be rewritten, additional recording is possible and it has a relatively large capacity. The transaction data is mainly recorded in the optical recording unit 55.

The IC unit 51 performs processing for security such as authentication of customers and ATMs when using the card 1, address management of the magnetic recording unit 53 and optical recording unit 55, and encryption of transaction data. Is to do.

FIG. 5 shows the format of transaction data stored in the optical recording unit 55 of the electronic passbook 1.

As shown in FIG. 5, the past transaction data is recorded in the order of execution, and the printing paper 41 is used.
Each time a certain number of transaction data items that can be recorded on one page are recorded, page number data obtained by adding 1 to the immediately preceding page number is recorded. Here, since the optical recording unit 55 is capable of only additional recording, the capacity of the unwritten area is 1
If the transaction data and the page number data for a page are less than the capacity that can be recorded, it is necessary to replace the electronic passbook 1.

When a simple IC card is used as the electronic passbook 1 instead of the hybrid card as described above, transaction data is recorded in a rewritable non-volatile semiconductor memory (eg, EEPROM) in the IC section. Become. In that case, the unwritten area of the EEPROM is 1
When the capacity becomes less than the page capacity, the transaction data and page number data belonging to the oldest page in the EEPROM are erased, a writing area for one page is secured, and then the new page number data and transaction data are stored. Can be written. In this case, the electronic passbook can be used semipermanently.

By the way, when the ATM 7 writes the unregistered transaction data sent from the computer center 3 into the electronic passbook 1,
The page number can be calculated based on the final page number by reading the final page number in the electronic passbook. Therefore, the computer center 3 does not need to manage the page number of transaction data.

When the customer requests to print the transaction data in the electronic passbook 1, the ATM 7 reads the transaction data page by page from the electronic passbook and prints it on the printing paper 41. Therefore, no blank space is generated on a page in the middle of the printing paper 41.

FIG. 6 shows a processing flow when the ATM 7 writes transaction data that has not been recorded in the electronic passbook 1.

The unposted data is entered together with the transaction data entered when a customer requests the unentered data to be entered or when a financial transaction such as deposit, withdrawal, or transfer is executed. To be done.

As shown in FIG. 6, first, all the data from the final transaction data LD to the final page number data LP shown in FIG. 5 are read from the electronic passbook 1 (S1).
That is, the last page number data and all transaction data belonging to that page are read. Next, computer center 3
Receives the transaction data that has just been executed (current transaction data) and past unregistered transaction data (S2).

Next, it is checked whether the oldest data among unrecorded transaction data is located at the beginning of the page next to the last page (S4). This check can be performed by counting the number of transaction data of the last page read from the electronic passbook 1. As a result of this check, if the oldest unregistered book data is located at the beginning of the page, the page number data of the next page obtained by adding 1 to the last page number is booked (S4), and then the oldest unregistered book data. Is recorded (S5). On the other hand, if it is not the top of the page, the oldest unrecorded data is immediately recorded (S5).

After that, the remaining unregistered data is recorded in the old order (S5). Each time one unposted data is posted, the number of entries per page is counted up to check whether a certain number of entries for one page has been entered (S
7) When one page has been entered, the page number data of the next page obtained by adding 1 to the current page number is entered (S
8). The above operation is repeated, and when all the last transaction data (current data) have been recorded (S7), the recording process is terminated.

FIG. 7 shows a processing flow when the unbooked data is recorded and printed at the same time.

As shown in FIG. 7, first, all transaction data belonging to the last page and page number data are read from the electronic passbook 1 (S11). Next (see FIG. 2), one sheet of printing paper 41 is loaded from the paper stacker 31 and (S
12), it is checked whether the number of transaction data on the last page read from the electronic passbook is one page (S1).
3). If the result is less than one page, all the transaction data read from the electronic passbook 1 is printed on the printing paper 41 in the old order (S14, S15), while the electronic passbook 1
If the number of transaction data read from is exactly one page, the transaction data is discarded without printing.

Next, the past unrecorded transaction data and the current transaction data are received from the computer center 3 (S16), and it is checked whether the oldest data among them is located at the top of the page (S17). ). As a result, if it is located at the beginning (that is, if the result of step S13 is YES), the page number data of the next page is recorded in the electronic passbook 1 (S18), and then the oldest unrecorded data is electronically stored. It is recorded on the passbook 1 and is printed on the printing paper 41 (S
19). In this case, the unrecorded book data is the printing paper 41.
Will be printed in the top column. On the other hand, if the unrecorded book data is not located at the top of the page (step S13)
If the result is NO), the unrecorded data is immediately recorded and printed on the printing paper 41 (S19).
In this case, the unrecorded book data is printed in the column immediately below the column in the printing paper 41 where the transaction data in the electronic passbook has already been printed.

After this, the remaining unrecorded data is also written in the electronic passbook in the old order and printed on the printing paper 41 (S19). In the process, every time the number of transaction data for one page is processed (S21), the page number data of the next page is recorded, and the printed sheet is ejected by the paper output stacker 3
5 (S23), and new paper is loaded (S23)
24), and printing is performed on the new paper (S19).

Each time printing of transaction data on one sheet of printing paper 41 is completed, a page number is also printed in the page column of the printing paper 41.

When the above operation is repeated and the recording and printing of the last unrecorded data (current transaction data) is completed (S
20) Then, the printed paper is discharged (S25), and the bookkeeping and printing process is completed.

FIG. 8 shows a flow of processing for printing transaction data recorded in the electronic passbook 1.

As shown in FIG. 8, first, the transaction data in the range designated by the customer's date input or page input operation is read from the electronic passbook 1 page by page (S3).
1). Here, reading in page units means, for example, when the range after a specific date is specified by the date input operation, and if the transaction data on that date is not located at the top of the page, the top of the page is read. It means to read all the data on that page, including the old transaction data located on the.

Next, the printing paper 41 is taken in (S3
2), the transaction data read from the electronic passbook is printed in the old order (S33). Then, every time printing of one page is completed (S35), the printed paper is discharged and a new paper is taken in (S36), and the next page is printed (S35).
33) Then, after printing all the read transaction data (S34), the printed paper is ejected (S37).
This print processing is ended.

As described above, in both the print processing of FIG. 7 and the print processing of FIG. 8, all the transaction data belonging to the page to be printed must be printed based on the page number data stored in the electronic passbook 1. It is supposed to be done. FIG. 9 shows an example of the printing, and the transaction data marked with “*” in the figure is the unregistered transaction data in the print processing in FIG. 7 or the transaction data in the specified range in the print processing in FIG. Is. The "*" mark is convenient for the customer to identify the newly printed data, so it is desirable to actually print it.

As is clear from FIG. 9, when the transaction data marked with "*" is newly located in the middle of the page, the printing is always started from the transaction data at the head of the page. As described above, printing is not performed on a new page while leaving a margin on the previous page.

FIG. 10 shows an example of filing of printed paper. When the customer newly obtains a printing result as shown in FIG.
Since the transaction data before “*” in FIG. 9 may have been printed on page 1), the previous 11th page is discarded and replaced with the 11th page that was newly obtained. Similarly, all transaction data will be printed in perfect succession to create a transaction data file that is convenient for reference. Furthermore, with a paper passbook, the passbook needs to be updated when the margins are gone, but this file does not.

As shown in the example of FIG. 9, if the number of newly printed transaction data is small, printing is completed within one page, so the same page should be printed again at the next printing opportunity. As a result, the same page is discarded many times, which is a waste of paper. Therefore, it is desirable to add the following processing to the processing flow of FIGS. 7 and 8.

That is, at the start of printing, it is checked whether or not the total number of transaction data to be printed is less than one page. And provisionally print it on the customer and record the information indicating the range of the provisionally printed data in the electronic passbook. Then, in the subsequent printing opportunity, it is checked whether or not the total transaction data number, including the provisionally printed range, is one page or more, and if it is one page or more, it is printed on a formal cut sheet. This eliminates the waste of repeatedly discarding the same page of the cut sheet.

Although the preferred embodiment of the present invention has been described above, the present invention can be implemented in various other modes without departing from the scope of the invention.

[0049]

As described above, according to the present invention,
The data recorded in the electronic passbook can be printed in a form that is easy to store and refer to, and the complicated and expensive mechanism of the conventional bookkeeping machine is not required.

[Brief description of drawings]

FIG. 1 is a block diagram showing a schematic configuration of an embodiment of a financial transaction processing system to which the present invention has been applied.

FIG. 2 is a block diagram showing the configuration of an ATM of the same embodiment.

FIG. 3 is a plan view showing a layout of printing paper used in the embodiment.

FIG. 4 is a plan view showing an external configuration of an electronic passbook used in the embodiment.

FIG. 5 is an explanatory diagram showing a format of transaction data stored in an electronic passbook.

FIG. 6 is a flowchart showing a processing flow of entry of an unassigned book file by the ATM of the embodiment.

FIG. 7 is a flowchart showing a processing flow of bookkeeping and printing of an unbooked file by the same ATM.

FIG. 8 is a flowchart showing a processing flow of printing transaction data in a passbook by the same ATM.

FIG. 9 is a plan view showing an example of a printing result according to the embodiment.

FIG. 10 is a perspective view showing an example of filing of print results.

[Explanation of symbols]

 1 Electronic Passbook 3 Computer Center 7 ATM 11 Processor 15 Electronic Passbook Read / Write Mechanism 23 Printer Mechanism 41 Printing Paper 51 IC Section 55 Optical Recording Section

Claims (6)

[Claims] 1. An electronic passbook is provided with a unit for reading data stored in advance in page units, and a unit for printing the read data in page units on a printing paper in page units. Characteristic electronic passbook data printing method. 2. The method according to claim 1, wherein the electronic passbook stores page information indicating a page to which the data belongs, and the reading unit refers to the page information to store the page information. A printing method for electronic passbook data, characterized by recognizing the page unit of the stored data. 3. The method according to claim 1, wherein the reading unit reads all data belonging to a page in which the designated data range exists in response to designation of a data range to be printed. An electronic passbook data printing method characterized by: 4. The electronic passbook data printing method according to claim 1, further comprising a unit for writing unrecorded data into the electronic passbook in page units. 5. The method according to claim 4, wherein the writing unit matches the already stored data in page units based on the last page data already stored in the electronic passbook. An electronic passbook data printing method characterized by determining the page unit of unrecorded data. 6. A method comprising: reading data stored in advance in an electronic passbook page by page; and printing the read page data on a page printing paper. How to print electronic passbook data.