automated teller machine

Abstract

To provide an automated transaction device that can effectively utilize a passbook when a savings account has no additional pages or lines for entry of transaction data and the passbook is carried over.SOLUTION: An automated transaction device according to the present invention for processing transactions using a multi-purpose passbook having at least a fixed-term deposit account section, which is an entry column for fixed-term deposit accounts, and a savings account section, which is an entry column for savings accounts includes: a control unit; and a passbook processing unit that allows the control unit to continue to use the fixed-term deposit account section of the multi-purpose passbook and issue a new passbook for the savings account section when the savings account section of the multi-purpose passbook is carried over due to no additional pages or lines for entry of transaction data.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an automatic transaction device, and is applicable to automatic transaction devices such as ATMs (Automatic Teller Machines) installed in the branches of financial institutions, for example. [Background technology]

[0002] Generally, a general account passbook has a section for recording transactions for ordinary deposits (hereinafter also referred to as the "ordinary section") and a section for recording transactions for fixed-term deposits (hereinafter also referred to as the "fixed-term section").

[0003] Customers who use a general account passbook tend to make a relatively large number of ordinary savings transactions, and the ordinary section may become full. When the ordinary section becomes full, the automated teller machine issues a new general account passbook and carries over the unrecorded transaction data (hereinafter also referred to as "unrecorded data") to the new general account passbook. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-8108 Summary of the Invention [Problem to be solved by the invention]

[0005] However, time deposit transactions are relatively rare. Therefore, even if the ordinary section is full, the fixed term section of the same general account passbook may not be in use, or there may still be printable pages in the fixed term section. Conventionally, even if the fixed term section of a general account passbook has pages that can be used, when the ordinary section is full, a new general account passbook is issued and the passbook is carried over. Therefore, there is a strong demand for more effective use of passbooks.

[0006] Therefore, in view of the above-mentioned problems, this disclosure aims to provide an automatic transaction device that can effectively utilize a passbook when the ordinary section is full of pages and lines and the passbook is carried over. [Means for solving the problem]

[0007] In order to solve such problems, the first invention is an automated transaction device that processes transactions using a multi-subject passbook having at least a fixed term section for recording time deposits and a regular section for recording ordinary deposits, characterized by comprising a control unit and a passbook processing unit that, when the regular section of the multi-subject passbook is full or full and the passbook is carried over, continues to use the fixed term section of the multi-subject passbook under the control of the control unit and issues a new passbook for the regular section.

[0008] The second invention is an automated transaction device that processes transactions using a multi-subject passbook having at least a fixed term section for recording time deposits and a normal section for recording ordinary deposits, and is characterized by comprising a control unit and a passbook processing unit that, when the normal section of the multi-subject passbook is full or full and the passbook is carried over, issues a new passbook for the normal section to record unrecorded data under the control of the control unit, and treats the fixed term section as a separate passbook from the new passbook for the normal section. [Effects of the Invention]

[0009] According to the present invention, when the ordinary section is full of pages and lines and the passbook is carried over, the passbook can be used effectively. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a configuration diagram showing the overall configuration of a transaction system according to a first embodiment and the internal configuration of an automatic transaction device. [Figure 2] 1 is a sequence diagram showing the processing when a passbook carryover occurs in a conventional general account passbook. [Figure 3] FIG. 1 is a diagram showing the configuration of a conventional single-sided passbook type old general account passbook with carried over balances. [Figure 4]FIG. 1 is a diagram showing the configuration of a conventional double-sided passbook type old general account passbook with carried over balances. [Figure 5] FIG. 1 is a diagram showing the configuration of a conventional newly issued general account passbook. [Figure 6] This is a sequence diagram showing the processing when a passbook carryover occurs in a general account passbook in the first embodiment. [Figure 7] This is a diagram showing the configuration of a single-sided passbook type old integrated account passbook with carryover in the first embodiment. [Figure 8] This is a diagram showing the configuration of a double-sided passbook type old integrated account passbook with carryover in the first embodiment. [Figure 9] A sequence diagram showing the processing when a passbook carryover occurs in a general account passbook in the second embodiment. [Figure 10] A diagram showing the configuration of a single-sided passbook type old integrated account passbook with carryover in the second embodiment. [Figure 11] A diagram showing the configuration of a double-sided passbook type old integrated account passbook with carryover in the second embodiment. [Figure 12] This is a diagram showing the configuration of a new general account passbook to be issued in the second embodiment. [Figure 13] FIG. 11 is a sequence diagram showing the processing when a passbook carryover occurs in the general account passbook in the third embodiment (part 1). [Figure 14] FIG. 11 is a sequence diagram (part 2) showing the processing when a passbook carryover occurs in the general account passbook in the third embodiment. [Figure 15] A diagram showing the configuration of a single-sided passbook type old integrated account passbook with carryover in the third embodiment. [Figure 16] FIG. 10 is a diagram showing the configuration of a newly issued ordinary savings passbook in the third embodiment. [Figure 17] FIG. 10 is a diagram showing the configuration of a newly issued fixed term deposit passbook in the third embodiment. [Figure 18] FIG. 11 is a sequence diagram showing the processing when a passbook carryover occurs in the general account passbook in the fourth embodiment (part 1). [Figure 19]FIG. 13 is a sequence diagram (part 2) showing the processing when a passbook carryover occurs in the general account passbook in the fourth embodiment. [Figure 20] A diagram showing the configuration of a new general account passbook to be issued in the fourth embodiment. [Figure 21] FIG. 10 is a diagram showing the configuration of a new ordinary savings passbook to be issued in the fourth embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0011] (A) First embodiment A first embodiment of an automatic transaction device according to the present invention will be described in detail below with reference to the drawings.

[0012] (A-1) Configuration of the First Embodiment FIG. 1 is a configuration diagram showing the overall configuration of a transaction system according to the first embodiment and the internal configuration of an automated transaction device.

[0013] In FIG. 1, a trading system 10 includes an automated transaction device 1 and a host computer 2, both of which can be connected to a communication line NT.

[0014] The automated teller machine 1 is installed in facilities such as financial institution branches, convenience stores, retail stores, train stations, and airports. The automated teller machine 1 performs various transaction processes by sending and receiving messages to and from a host computer 2 via a communication line NT. The automated teller machine 1 performs at least the transaction processes of bankbook entries and bankbook carryover. The automated teller machine 1 may be, for example, an ATM that performs various transactions such as deposits, withdrawals, transfers, bankbook entries, and bankbook carryover, or it may be a bankbook entry machine dedicated to bankbook entries and bankbook carryover.

[0015] The automatic transaction device 1 has a control unit 11, a passbook processing unit 12, a card processing unit 13, a receipt processing unit 14, a banknote deposit / withdrawal unit 15, a coin deposit / withdrawal unit 16, a memory unit 17, a communication unit 18, and an operation / display unit 19.

[0016] The automated teller machine 1 illustrated in FIG. 1 is an example, and the internal configuration of the automated teller machine 1 is not limited to that shown in FIG.

[0017] The control unit 11 is a processing unit or device that controls various functions of the automated transaction apparatus 1. The control unit 11 has, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, etc. The control unit 11 executes processing programs (for example, a passbook processing program, a transaction program, etc.), thereby realizing various functions of the automated transaction apparatus 1.

[0018] The control unit 11 is connected to components such as a passbook processing unit 12, a card processing unit 13, a receipt processing unit 14, a banknote deposit / withdrawal unit 15, a coin deposit / withdrawal unit 16, a memory unit 17, a communication unit 18, and an operation / display unit 19, and exchanges data with each component. The control unit 11 performs processing according to the transaction using the state of each component described above, detected data, etc.

[0019] The control unit 11 has a transaction processing unit 111 that performs various transaction processes, and a display control unit 112 that displays a display screen required for a transaction on the operation display unit 19 according to the type of transaction.

[0020] The storage unit 17 stores a processing program relating to a transaction, data required for processing by the control unit 11, and information relating to the transaction obtained by the processing by the control unit 11.

[0021] The communication unit 18 sends and receives information including transaction messages to and from the host computer 2 via the communication line NT. The communication control (communication protocol) via the communication line NT is not particularly limited, and the Internet Protocol (IP) or the like can be applied.

[0022] The passbook processing unit 12 reads passbook information from a recording medium (e.g., a magnetic stripe) attached to a passbook inserted through the passbook entrance / exit and provides it to the control unit 11, or records transaction-related information in the passbook and ejects it from the passbook entrance / exit.

[0023] The passbook processing unit 12 has a magnetic reader / writer unit 121 that writes to, reads from, or erases (demagnetizes) data on the magnetic stripe attached to the passbook, a printing mechanism unit 122 that turns pages of the passbook and prints, and a passbook mechanism unit 123 that saves old passbooks, feeds out new passbooks that have been pre-loaded, and moves passbooks.

[0024] When a card for conducting a transaction, such as a cash card or credit card, is inserted, the card processing unit 13 reads the card information from the recording medium (e.g., IC chip, magnetic stripe, etc.) installed on the card and provides it to the control unit 11.

[0025] The statement processor 14 prints transaction information on a medium (such as paper) and discharges the printed statement from the statement outlet. The statement processor 14 prints information such as the transaction date, transaction type, transaction amount, and balance on the statement.

[0026] During a deposit transaction, the banknote deposit / withdrawal unit 15 authenticates and counts banknotes inserted through the banknote deposit / withdrawal port and transports them to a cassette for each denomination. During a withdrawal transaction, the banknote deposit / withdrawal unit 15 feeds the banknotes to be withdrawn from the cassette for each denomination and discharges them from the banknote deposit / withdrawal port.

[0027] During a deposit transaction, the coin depositing and dispensing unit 16 authenticates and counts coins inserted through the coin depositing and dispensing port, and transports them to a cassette for each denomination. During a withdrawal transaction, the coin depositing and dispensing unit 16 feeds coins to be dispensed from a cassette for each denomination and discharges them from the coin depositing and dispensing port.

[0028] The operation display unit 19 displays an operation screen required for a transaction and receives information operated by a customer, and may be, for example, a display with a touch panel function. Here, the operation display unit 19 is illustrated as a touch panel display, but is not limited to this, and may be, for example, equipped with physical buttons or a separately provided display (auxiliary display unit, etc.). Furthermore, a non-contact type operation display unit may be used as the operation display unit 19.

[0029] The host computer 2 is a server that controls transactions and manages account information. The host computer 2 has a control unit 21, a communication unit 22, and a database 23 that manages customer information, account information, etc. The host computer 2 exchanges messages with the automated transaction apparatus 1, queries account information based on data requested by the automated transaction apparatus 1, and returns a response message. The host computer 2 also updates the account information when a transaction is completed.

[0030] (A-2) Operation of the First Embodiment Next, the process of carrying over a passbook according to the first embodiment will be described in detail with reference to the drawings.

[0031] (A-2-1) Conventional passbook transfer processing First, the process of carrying over a passbook in a conventional integrated account passbook will be explained using Figs. 2 to 5, and then the process of carrying over a passbook in a integrated account passbook according to the first embodiment will be explained.

[0032] FIG. 2 is a sequence diagram showing the processing performed when a carryover occurs in a conventional integrated account passbook.

[0033] In this example, a customer using the automated teller machine 1 uses a general account passbook with a regular account section and a fixed term account section to carry out regular savings transactions, such as deposits and passbook entries. The type of transaction is not particularly limited. A single passbook carryover transaction may also be performed.

[0034] The integrated account passbook has at least a regular account section and a fixed term account section. Some financial institutions also have integrated account passbooks with savings sections, which can also be applied to this embodiment. The integrated account passbook is also called a "multi-subject passbook."

[0035] [Steps S101 and S102] The customer inserts the general account passbook into the automated transaction device 1 (step S101) and performs the transaction that the customer desires.

[0036] After the transaction is completed, the control unit 11 of the automated transaction device 1 creates and sends to the host computer 2 a bookkeeping request message including data identifying the general account, such as a financial institution code, branch number, account number, etc. (step S102).

[0037] [Steps S103 and S104] The control unit 21 of the host computer 2 checks the account information of the account (general account ordinary deposit) specified in the received entry request message and determines whether there is any unentered transaction data, including the transaction data performed this time.

[0038] If there is unposted data, the control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data related to the ordinary deposit of the general account to the automated transaction apparatus 1 (step S103).

[0039] In the host computer 2, the control unit 21 edits the account information data for the general account (step S104). If there is no unposted data, the control unit 21 of the host computer 2 returns a response message to the automated transaction apparatus 1 indicating that fact.

[0040] [Steps S105 to S107] In the automated transaction apparatus 1, the control unit 11 provides the received unposted data to the passbook processing unit 12, and the passbook processing unit 12 prints the unposted data in the ordinary section of the general account passbook (step S105).

[0041] At this point, the ordinary section of the integrated account passbook becomes full of pages and lines (step S106), and a passbook carryover occurs. At this time, for example, the display control unit 112 displays a confirmation screen (for example, screen 500 in FIG. 2) on the operation display unit 19, prompting the customer to select whether to issue a new passbook at a later date or immediately in order to carry over the passbook. For example, when the "Issue later" button is selected on screen 500, the control unit 11 of the automated transaction apparatus 1 returns the inserted integrated account passbook and ends the transaction.

[0042] On the other hand, when the "Issue Now" button is selected on the screen 500, the control unit 11 of the automated transaction device 1 sends a passbook issuance request to the host computer 2 in order to continue carrying over the passbook (step S107). Note that this is not limited to the above example, and for example, the "Issue Later" button may not be displayed, and instead an "Issue Now" button or a similar button such as a "Confirm" button may be displayed.

[0043] [Step S108] In the host computer 2, the control unit 21 inquires about the account information of the general account's ordinary deposit and fixed term deposit, and returns a response message including an instruction to print data required for passbook carryover (step S108).

[0044] For the sake of convenience, the data required for the above-mentioned passbook carryover will be referred to as "passbook carryover data." Passbook carryover data includes data to be printed on a general account passbook whose ordinary section is full (hereinafter referred to as an "old general account passbook" or "old general account passbook").

[0045] For example, the passbook carryover data includes "last line carryover print data" indicating that the ordinary section has been carried over to the last line, "passbook MS write instruction" indicating an instruction to write the ordinary section carryover to the magnetic stripe (MS) of the passbook, "page break instruction up to the passbook cover," and "passbook carryover print data to the cover." Furthermore, the passbook carryover data includes "general account passbook issuance instruction" and "printing instruction for the cover and inside pages of the new general account passbook."

[0046] In addition, in the host computer 2, if there is unposted data in the fixed term deposit of the general account, the passbook carryover data includes "page break instructions up to the fixed term section" and "unposted print data for the fixed term section." If the fixed term section is also carried over, it includes "carryover print data."

[0047] [Step S109] In the automated teller machine 1, the passbook processing unit 12 carries over the passbook of the old integrated account passbook using the received passbook carryover data (step S109). After carrying out the passbook carryover process as exemplified below, the passbook processing unit 12 temporarily saves the old integrated account passbook that has been carried over.

[0048] Figure 3 is a diagram showing the configuration of an old comprehensive account passbook when the passbook is carried over. Figure 3(A) shows the configuration of the ordinary section 61 of the comprehensive account passbook PB, Figure 3(B) shows the configuration of the fixed term section 62 of the comprehensive account passbook PB, and Figure 3(C) shows the configuration of the cover 63 of the comprehensive account passbook PB.

[0049] As shown in FIG. 3(A), the passbook processing unit 12 uses the last line carryover print data 601 included in the passbook carryover data to print on the last line of the regular section 61 that the amount will be carried over to the new passbook.

[0050] Also, if there is unrecorded data to be recorded in the regular section 62, as shown in Figure 3 (B), the passbook processing unit 12 advances the pages to the regular section 62 of the general account passbook PB in accordance with the page break instructions up to the regular section included in the passbook carryover data, and the passbook processing unit 12 prints the unrecorded data 602 in the regular section 62.

[0051] 3(C), the passbook processing unit 12 follows the page break instruction to the passbook cover included in the passbook carryover data to page up to the cover 63 of the general account passbook PB. Then, the passbook processing unit 12 prints the passbook carryover print data (e.g., "Carried over") 603 included in the passbook carryover data on the cover 63.

[0052] In addition, the passbook processing unit 12 updates the magnetic stripe MS of the old general account passbook PB that has been carried over to indicate that it is no longer usable.

[0053] The method of invalidating the magnetic stripe MS is not limited to this method, and other methods may be used. For example, the passbook processing unit 12 may not update the magnetic stripe MS of the general account passbook PB to indicate that it is unusable, and the host computer 2 may manage the magnetic stripe MS of the old general account passbook PB as unusable.

[0054] 4 is a diagram showing the configuration of a double-sided integrated account passbook. The integrated account passbook PB shown in FIG. 4 is a double-sided passbook, and has a different configuration pattern from the integrated account passbook PB shown in FIG.

[0055] As shown in Figure 4, the double-sided general account passbook PB has information about the regular portion and a magnetic stripe MS#1 for the regular portion on one side, the front side 64, and information about the regular portion and a magnetic stripe MS#2 for the regular portion on the other side, the back side 65. Note that, for example, the information about the regular portion is on the front side 64, and the magnetic stripe #2 for the regular portion is on the back side 65. The same is true for the information about the regular portion and the magnetic stripe MS#1 for the regular portion.

[0056] For example, when making a transaction in the ordinary account, the passbook is inserted with the front side 64 facing forward, and the transaction is made by turning over the pages from the front side 64. On the other hand, when making a transaction in the fixed term account, the general account passbook PB is turned over and inserted with the back side 65 facing forward, and the transaction is made by turning over the pages from the back side 65.

[0057] When carrying over the general account passbook PB of FIG. 4, for example, if the general account passbook PB is inserted with the front side 64 facing forward, the passbook processing unit 12 prints the last line carryover data on the regular section, then prints passbook carryover print data (e.g., "Carried over") 604 on the front side 64, and disables the magnetic stripe MS#2 on the back side 65. The passbook processing unit 12 then reverses the front-to-back orientation of the general account passbook PB. Then, if there is unposted data in the time section, the passbook processing unit 12 prints the unposted data in the time section. Then, it prints passbook carryover print data (e.g., "Carried over") 605 on the back side 65, and disables the magnetic stripe MS#1 on the front side 64.

[0058] In this case, a different method for invalidating the magnetic stripe MS can be used. For example, the passbook processing unit 12 may not update the magnetic stripe MS of the general account passbook PB to indicate that it is unusable, and the host computer 2 may manage the magnetic stripe MS#1 and magnetic stripe MS#2 of the old general account passbook PB as unusable.

[0059] [Steps S110 and S111] The passbook processing unit 12 pays out the pre-loaded general account passbook in accordance with the general account passbook issuance instruction included in the passbook carry-over data.

[0060] Then, the passbook processing unit 12 prints information such as the branch number, account number, and account holder name on the cover and inside pages of the new integrated account passbook. At this time, the control unit 11 makes a re-entry request to the host computer 2 to obtain the unentered data for the ordinary and fixed term sections of the new integrated account passbook (step S110).

[0061] The control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data of the ordinary and fixed term portions of the general account instructed in the reposting request message (step S111).

[0062] [Step S112] The passbook processing unit 12 prints the received unposted data in the ordinary section of the new integrated account passbook. After that, if there is unposted data in the fixed term section, the passbook processing unit 12 prints the unposted data in the fixed term section of the new integrated account passbook (step S112).

[0063] That is, the passbook processing unit 12 prints on the new general account passbook in the following order: cover ⇒ inside page ⇒ regular section page (⇒ commuter section page: if commuter section transaction details are included).

[0064] Thereafter, the passbook processing unit 12 writes the magnetic data to the magnetic stripe MS of the new general account passbook.

[0065] Figure 5 is a diagram showing the configuration of a newly issued integrated account passbook. Figure 5(A) shows the configuration of the cover 63 of the new integrated account passbook PB, Figure 5(B) shows the configuration of the inside cover page 66 of the new integrated account passbook PB, Figure 5(C) shows the configuration of the ordinary section 61, and Figure 5(D) shows the configuration of the fixed term section 62.

[0066] As shown in FIG. 5(A), the passbook processing unit 12 prints the branch number, account number, and account holder information 606 on the cover 63 of the new general account passbook in accordance with the passbook cover printing instruction contained in the passbook carryover data.

[0067] As shown in Figure 5 (B), the passbook processing unit 12 prints information 607 such as the bank name, branch name, branch number, account number, account holder name, seal impression, etc. on the inside cover page 66 of the new general account passbook in accordance with the inside cover printing instructions included in the passbook carryover data.

[0068] As shown in FIG. 5(C), the passbook processing unit 12 prints the unentered print data 608 of the ordinary section included in the new passbook issuance data onto the ordinary section 61 of the new integrated account passbook.

[0069] In addition, if there is unrecorded data to be recorded in the regular portion 62, as shown in Figure 5 (D), the passbook processing unit 12 prints the unrecorded print data 609 for the regular portion included in the new passbook issuance data in the regular portion 62 of the new general account passbook.

[0070] [Steps S113 and S114] The passbook processing unit 12 ejects the newly issued general account passbook (step S113).

[0071] Then, when the sensor detects that the new integrated account passbook has been received by the customer, the passbook processing unit 12 restores and ejects the old integrated account passbook that was temporarily saved (step S114).

[0072] (A-2-2) Processing when carrying over passbook in the first embodiment FIG. 6 is a sequence diagram showing the processing when a passbook carryover occurs in the integrated account passbook of the first embodiment.

[0073] In the following, in order to provide a detailed description of the process when a passbook is carried over in the first embodiment, some of the description will overlap with the description of the conventional process when a passbook is carried over using FIGS.

[0074] [Steps S201 and S202] The customer inserts the general account passbook into the automated transaction device 1 (step S201) and performs the transaction that the customer desires.

[0075] For example, the automated transaction apparatus 1 transmits a request message including transaction data indicating transaction details such as a financial institution code, branch number, account number, account name, transaction type, and transaction amount to the host computer 2. On the other hand, the host computer 2 inquires about account information based on the received request message and transmits a response message to the automated transaction apparatus 1.

[0076] The automated transaction apparatus 1 carries out the transaction based on the received response message. After the transaction is completed, the control unit 11 of the automated transaction apparatus 1 creates and transmits to the host computer 2 a bookkeeping request message including data specifying the general account, such as a financial institution code, branch number, account number, etc. (step S202).

[0077] Note that, here, the term "booking request message" is used to clarify that the automated transaction device 1 requests the host computer 2 to book transaction data, but if the request message corresponding to a transaction performed by a customer requests that bookkeeping data be returned at the same time as an inquiry about the transaction, it may be the request message for that transaction. In any case, the automated transaction device 1 causes the host computer 2 to determine whether there is unbooked data in the general account, and if there is unbooked data, requests the unbooked data.

[0078] [Steps S203 and S204] The control unit 21 of the host computer 2 checks the account information of the account (general account ordinary deposit) specified in the received entry request message and determines whether there is any unentered transaction data, including the transaction data performed this time.

[0079] If there is unposted data, the control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data related to the ordinary deposit of the general account to the automated transaction apparatus 1 (step S203).

[0080] In the host computer 2, the control unit 21 edits the account information data for the general account (step S204). If there is no unposted data, the control unit 21 of the host computer 2 returns a response message to the automated transaction apparatus 1 indicating this.

[0081] [Steps S205 to S207] In the automated transaction apparatus 1, the control unit 11 provides the received unposted data to the passbook processing unit 12, and the passbook processing unit 12 prints the unposted data in the ordinary section of the general account passbook (step S205).

[0082] At this point, the ordinary section of the general account passbook becomes full (step S206), and a passbook carryover occurs. At this time, for example, the display control unit 112 displays a confirmation screen (for example, screen 500 in FIG. 2) on the operation display unit 19, prompting the customer to select whether to issue a new passbook at a later date or immediately in order to carry over the passbook.

[0083] For example, when the "Issue Later" button is selected on screen 500, the control unit 11 of the automated transaction apparatus 1 returns the inserted integrated account passbook and ends the transaction. Then, when the customer carries over the integrated account passbook at a later date at the automated transaction apparatus 1, the automated transaction apparatus 1 can apply the processing described in step S208 and subsequent steps.

[0084] On the other hand, when the "Issue now" button is selected on screen 500, the control unit 11 of the automatic transaction device 1 sends a passbook issuance request to the host computer 2 in order to continue carrying over the passbook (step S207).

[0085] [Step S208] In the host computer 2, the control unit 21 inquires about the account information of the general account's ordinary deposit and fixed term deposit, and returns a response message including an instruction to print data required for passbook carryover (step S208).

[0086] Here, the passbook carryover data sent by the host computer 2 includes data to be printed on an old general account passbook whose ordinary section is full of pages and lines.

[0087] For example, the passbook carryover data includes "print data for carrying over the last line of the ordinary section" and "page break instructions up to the cover of the passbook." Furthermore, the passbook carryover data includes "general account passbook issuance instructions" and "print instructions for the cover and inside pages of the new general account passbook."

[0088] In addition, in the host computer 2, if there is unposted data in the fixed term deposit of the general account, the passbook carryover data includes "page break instructions up to the fixed term section" and "unposted print data for the fixed term section."

[0089] Here, the process for carrying over a passbook in the first embodiment differs from the conventional process for carrying over a passbook in that the fixed term portion of an old general account passbook can continue to be used.

[0090] Therefore, the passbook carryover data in the first embodiment includes "print data permitting continued use of the fixed term portion" so that the fixed term portion of the old general account passbook can be continued to be used.

[0091] If the general account passbook is a single-sided passbook, the magnetic stripe MS is not updated, so the passbook carryover data of the first embodiment does not include a "passbook MS (ordinary section carryover) write instruction."

[0092] On the other hand, if the general account passbook is a double-sided passbook, the magnetic stripe MS#2 on the ordinary section side is updated to be unusable, so in this case, the passbook carryover data of the first embodiment includes a "passbook MS (ordinary section carryover) write instruction."

[0093] [Step S209] In the automated transaction apparatus 1, the passbook processing unit 12 carries over the passbook of the old general account passbook using the received passbook carryover data (step S209).

[0094] Here, if the fixed term section of the old general account passbook has not been used or there are still printable pages in the fixed term section, the fixed term section of the general account passbook can continue to be used.

[0095] Therefore, in the case of a single-sided general account passbook, the passbook processing unit 12 does not update the magnetic stripe MS to make it unusable. In the case of a double-sided general account passbook, the passbook processing unit 12 updates the magnetic stripe MS#2 attached to the cover (back side) of the fixed term section to make it unusable, but on the other hand, the passbook processing unit 12 does not update the magnetic stripe MS#1 attached to the cover (front side) of the ordinary section to make it unusable.

[0096] The host computer 2 manages the old general account passbook so that ordinary deposit transactions cannot be made using the old general account passbook (i.e., the ordinary deposits in the old general account passbook are treated as unusable). On the other hand, the host computer 2 manages the old general account passbook so that fixed term deposit transactions cannot continue to be made using the old general account passbook.

[0097] In order to remind the customer that the fixed term portion of the old integrated account passbook can continue to be used, the passbook processing unit 12 prints a message on the cover of the integrated account passbook stating that the fixed term portion can continue to be used. There are no particular limitations on the printing method or message, and the following examples are given.

[0098] Then, the passbook processing unit 12 performs the passbook carryover process as exemplified below, and then temporarily saves the old general account passbook that has been carried over.

[0099] The carryover process of the integrated account passbook in the first embodiment will be described below with reference to the drawings.

[0100] Figure 7 is a diagram showing the configuration of a single-sided integrated account passbook. Figure 7(A) shows the configuration of the ordinary section 61 of the integrated account passbook PB, Figure 7(B) shows the configuration of the fixed term section 62 of the integrated account passbook PB, and Figure 7(C) shows the configuration of the cover 63 of the integrated account passbook PB.

[0101] As shown in FIG. 7(A), the passbook processing unit 12 uses the last line carryover print data 601 included in the passbook carryover data to print on the last line of the regular section 61 that the amount will be carried over to the new passbook.

[0102] Furthermore, if there is unposted data to be posted in the fixed period section 62, the passbook processing unit 12 follows the page break instructions up to the fixed period section 62 of the general account passbook PB in accordance with the page break instructions up to the fixed period section included in the passbook carryover data, as shown in Figure 7(B).The passbook processing unit 12 then prints the unposted data 602 of the fixed period section included in the passbook carryover data in the fixed period section 62 of the old general account passbook PB.

[0103] Furthermore, as shown in FIG. 7(C), the passbook processing unit 12 pages up to the cover page 63 of the general account passbook PB in accordance with the page break instruction up to the passbook cover page included in the passbook carryover data.

[0104] Then, the passbook processing unit 12 prints on the cover 63 the "printing data permitting continued use of the fixed term portion" 610 included in the passbook carryover data, such as a sentence such as "If you have a fixed term deposit, you can continue to use it."

[0105] FIG. 8 is a diagram showing the configuration of a double-sided general account passbook.

[0106] When carrying over the double-sided general account passbook PB of Figure 8, for example, when the general account passbook PB is inserted with the front side 64 facing forward, the passbook processing unit 12 prints the last line carryover data on the regular section.

[0107] Thereafter, the passbook processing unit 12 updates the magnetic stripe MS#2 for the regular portion on the back side 65 to indicate that it cannot be used. Furthermore, the passbook processing unit 12 prints "printing data permitting continued use of the fixed portion" 611, such as "If you have a fixed-term deposit, you can continue to use it," on the front side 64.

[0108] In addition, instead of updating the magnetic stripe MS#2 for the ordinary section on the back side 65 as unusable, the passbook processing unit 12 may not update the magnetic stripe MS#2 for the ordinary section, and the host computer 2 may manage the magnetic stripe of the ordinary account carried over from the old general account passbook PB as unusable.

[0109] The passbook processing unit 12 then reverses the front-to-back orientation of the integrated account passbook PB. If there is unposted data in the fixed term section, the passbook processing unit 12 prints the unposted data 602 in the fixed term section 62. The passbook processing unit 12 then temporarily saves the old, carried-over integrated account passbook PB.

[0110] In other words, the passbook processing unit 12 does not update the magnetic stripe MS#1 for the fixed-term portion on the front side (fixed-term portion side) 64 of the double-sided passbook type general account passbook PB to make it unusable.

[0111] [Steps S210 and S211] The passbook processing unit 12 pays out the pre-loaded account passbook in accordance with the account passbook issuance instruction included in the passbook carry-over data.

[0112] Then, the passbook processing unit 12 prints information such as the branch number, account number, and account holder name on the cover and inside pages of the new integrated account passbook. At this time, the control unit 11 makes a re-entry request to the host computer 2 to obtain unentered data for the ordinary and fixed term sections of the new integrated account passbook (step S210).

[0113] The control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data of the ordinary and fixed term portions of the account specified in the reposting request message (step S211).

[0114] Here, the new passbook issuance data sent by the host computer 2 includes data to be printed on the new passbook when the new passbook is issued.

[0115] The new passbook issuance data includes blank print data for the ordinary section and a passbook MS (new passbook) write instruction.

[0116] [Step S212] The passbook processing unit 12 prints the received unposted data of the ordinary section in the ordinary section of the new general account passbook (step S212).

[0117] That is, the passbook processing unit 12 prints on the new general account passbook in the following order: cover ⇒ inside page ⇒ regular section page (⇒ commuter section page: if commuter section transaction details are included).

[0118] Thereafter, the passbook processing unit 12 writes the magnetic data to the magnetic stripe MS of the new account passbook.

[0119] The process of issuing a new general account passbook PB is basically the same as the conventional process shown in FIG. 5, so a detailed description thereof will be omitted here.

[0120] [Steps S213 and S214] The passbook processing unit 12 ejects the newly issued general account passbook (step S213).

[0121] Then, when the sensor detects that the new integrated account passbook has been received by the customer, the passbook processing unit 12 restores and ejects the old integrated account passbook that was temporarily saved (step S214).

[0122] (A-3) Effects of the First Embodiment As described above, according to the first embodiment, even when the ordinary section is full of pages and lines and a passbook carryover occurs, if the regular section has not been used or there are lines or pages that can be printed in the regular section, the regular section of the old general account passbook can continue to be used.

[0123] As a result, customers who make fixed-term deposits can continue to use their general account passbooks, which have space for recording in the fixed-term section, and can make effective use of the pages in the fixed-term section of the general account passbook.

[0124] (B) Second embodiment Next, a second embodiment of an automatic transaction device according to the present invention will be described in detail with reference to the drawings.

[0125] The above-described first embodiment has been described as an example of a case where the pages of the fixed term section of the integrated account passbook are effectively utilized in the automated transaction apparatus 1 such as an ATM.

[0126] However, there are also customers who have no plans to make fixed-term deposits or who rarely make fixed-term deposits. Even such customers often make a lot of ordinary deposit transactions. On the other hand, the types of passbooks are not limited to general account passbooks, but also include ordinary deposit passbooks, fixed-term deposit passbooks, etc., depending on the financial institution.

[0127] Furthermore, as in the first embodiment, if the fixed term portion of the old comprehensive account passbook continues to be used in the future, and the fixed term portion of the old comprehensive account passbook is carried over, a mechanism will be required to guide the ordinary portion to insert the fixed term portion of the new comprehensive account passbook for which a passbook has already been issued, and to update the MS so that the fixed term portion can be used.

[0128] Therefore, in the second embodiment, when the ordinary section of the general account passbook becomes full and the passbook is carried over, the passbook can be changed to an ordinary savings passbook and issued.

[0129] The second embodiment may be combined with the processing of the first embodiment, or may be a standalone processing separate from the processing of the first embodiment.

[0130] (B-1) Configuration of the second embodiment The configuration of the automated teller machine of the second embodiment is basically the same as the automated teller machine 1 of the first embodiment illustrated in Fig. 1. Therefore, the second embodiment will also be described using Fig. 1.

[0131] (B-2) Operation of the Second Embodiment FIG. 9 is a sequence diagram showing the processing when a passbook carryover occurs in the integrated account passbook of the second embodiment.

[0132] [Steps S301 and S302] The customer inserts the general account passbook into the automated transaction apparatus 1 (step S301) and performs the transaction that the customer desires at the automated transaction apparatus 1.

[0133] For example, the automated transaction apparatus 1 transmits a request message including transaction data indicating transaction details such as a financial institution code, branch number, account number, account name, transaction type, and transaction amount to the host computer 2. On the other hand, the host computer 2 inquires about account information based on the received request message and transmits a response message to the automated transaction apparatus 1.

[0134] The automated transaction apparatus 1 carries out the transaction based on the received response message. After the transaction is completed, the control unit 11 of the automated transaction apparatus 1 creates and transmits to the host computer 2 a bookkeeping request message including data specifying the general account, such as a financial institution code, branch number, account number, etc. (step S302).

[0135] Note that, here, the term "booking request message" is used to clarify that the automated transaction device 1 requests the host computer 2 to book transaction data, but if the request message corresponding to a transaction performed by a customer requests that bookkeeping data be returned at the same time as an inquiry about the transaction, it may be the request message for that transaction. In any case, the automated transaction device 1 causes the host computer 2 to determine whether there is unbooked data in the general account, and if there is unbooked data, requests the unbooked data.

[0136] [Steps S303 and S304] The control unit 21 of the host computer 2 checks the account information of the account (general account ordinary deposit) specified in the received entry request message and determines whether there is any unentered transaction data, including the transaction data performed this time.

[0137] If there is unposted data, the control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data related to the ordinary deposit of the general account to the automated transaction apparatus 1 (step S303).

[0138] In the host computer 2, the control unit 21 edits the account information data for the general account (step S304). If there is no unposted data, the control unit 21 of the host computer 2 returns a response message to the automated transaction apparatus 1 indicating that fact.

[0139] [Steps S305 to S307] In the automated teller machine 1, the control unit 11 provides the received blank entry data to the passbook processing unit 12, which then prints the blank entry data in the general section of the integrated account passbook (step S305). At this point, the general section of the integrated account passbook becomes full of pages and lines (step S306), and a passbook carryover occurs.

[0140] At this time, the display control unit 112 displays on the operation display unit 19 a screen (for example, screen 501 in FIG. 9) that prompts the customer to select whether or not to issue a savings passbook as the newly issued passbook.

[0141] For example, the screen 501 has an "Issue a savings account passbook" button in addition to the "Issue later" button and the "Issue now" button exemplified in the first embodiment.

[0142] When a customer who wishes to issue a regular savings passbook as a new passbook selects the "Issue Regular Savings Passbook" button on screen 501, the control unit 11 sends a passbook issuance request message to the host computer 2, which includes information indicating that the passbook will be carried over from the general account passbook to the regular savings passbook (step S307).

[0143] When the host computer 2 receives a passbook issuance request including information indicating carryover issuance to a regular savings passbook, it changes the information to indicate that a regular savings passbook will be used for the regular savings of the general account contracted with the customer.

[0144] The operation when the "issue later" button or the "issue now" button is selected is the same as in the first embodiment, and therefore a detailed description thereof will be omitted here.

[0145] [Step S308] The control unit 21 of the host computer 2 inquires about the account information of the general account's ordinary deposit and fixed term deposit, and returns a response message including an instruction to print data required for passbook carryover (step S308).

[0146] Here, for example, the passbook carryover data includes "last line carryover printing data" for the ordinary section of the general account passbook, "page break instructions up to the passbook cover," and "printing data allowing continued use of the regular section" so that the regular section of the old general account passbook can continue to be used.

[0147] Furthermore, in the host computer 2, if there is unposted data in the fixed term deposit of the general account, the passbook carryover data includes page break instructions up to the fixed term section and unposted print data for the fixed term section. However, if there is a lot of unposted data in the fixed term section and the fixed term section is full of pages and lines, the unposted data will not be included. In this case, for example, a message such as "There is unposted data in the fixed term section, so please post again later" may be displayed on the screen, and the fixed term section may be carried over when posting again.

[0148] Furthermore, the passbook carryover data includes "instructions for issuing ordinary savings passbooks" and "instructions for printing the cover and inside pages of ordinary savings passbooks."

[0149] If the general account passbook is a single-sided passbook, the magnetic stripe MS is not updated, so the passbook carryover data of the second embodiment does not include a "passbook MS (ordinary section carryover) write instruction."

[0150] On the other hand, if the general account passbook is a double-sided passbook, the magnetic stripe MS#2 on the ordinary section side is updated to be unusable, so in this case, the passbook carryover data of the second embodiment includes a "passbook MS (ordinary section carryover) write instruction."

[0151] [Step S309] In the automated transaction apparatus 1, the passbook processing unit 12 uses the received passbook carryover data to print the necessary information for the carryover on the old general account passbook, thereby carrying out the passbook carryover (step S309).

[0152] Here, as in the first embodiment, if the fixed term portion of an old comprehensive account passbook has not been used or if there are printable pages remaining in the fixed term portion, the fixed term portion of the comprehensive account passbook can continue to be used.

[0153] Then, the passbook processing unit 12 performs the passbook carryover process as exemplified below, and then temporarily saves the old general account passbook that has been carried over.

[0154] Figure 10 is a diagram showing the configuration of a single-sided integrated account passbook. Figure 10(A) shows the configuration of the ordinary section 61 of the integrated account passbook PB, Figure 10(B) shows the configuration of the fixed term section 62 of the integrated account passbook PB, and Figure 10(C) shows the configuration of the cover 63 of the integrated account passbook PB.

[0155] 10(A), the passbook processing unit 12 uses the last line carryover print data 620 included in the passbook carryover data to print on the last line of the ordinary section 61 that the amount will be carried over to the new passbook. At this time, it may be clearly indicated that the new passbook is an ordinary savings passbook.

[0156] Furthermore, if there is unposted data to be posted in the fixed period section 62, the passbook processing unit 12 follows the page break instructions up to the fixed period section included in the passbook carryover data and pages up to the fixed period section 62 of the general account passbook PB, as shown in Figure 10(B).The passbook processing unit 12 then prints the unposted data 602 of the fixed period section included in the passbook carryover data in the fixed period section 62 of the old general account passbook PB.

[0157] 10(C), the passbook processing unit 12 follows the page break instruction to the passbook cover included in the passbook carryover data and advances the page to the cover 63 of the general account passbook PB. Then, the passbook processing unit 12 prints a sentence such as "If you have a fixed-term deposit, you can continue to use it" on the cover 63.

[0158] Here, in order to allow the fixed term portion of the integrated account passbook to continue to be usable, in the case of a single-sided integrated account passbook, the passbook processing unit 12 does not update the magnetic stripe MS to make it unusable. The host computer 2 manages the old integrated account passbook so that ordinary deposit transactions cannot be made using the old integrated account passbook (i.e., ordinary deposits in the old integrated account passbook are treated as unusable). On the other hand, the host computer 2 manages the old integrated account passbook so that fixed term deposit transactions cannot continue to be made using the old integrated account passbook.

[0159] FIG. 11 is a diagram showing the configuration of a double-sided general account passbook.

[0160] When carrying over the double-sided general account passbook PB of Figure 11, for example, when the general account passbook PB is inserted with the front side 64 facing forward, the passbook processing unit 12 prints the last line carryover data on the regular section.

[0161] Thereafter, the passbook processing unit 12 updates the magnetic stripe MS#2 for the regular portion on the back side 65 to indicate that it cannot be used. Furthermore, the passbook processing unit 12 prints "printing data permitting continued use of the fixed portion" 611, such as "If you have a fixed-term deposit, you can continue to use it," on the front side 64.

[0162] In addition, instead of updating the magnetic stripe MS#2 for the ordinary section on the back side 65 as unusable, the passbook processing unit 12 may not update the magnetic stripe MS#2 for the ordinary section, and the host computer 2 may manage the magnetic stripe of the ordinary account carried over from the old general account passbook PB as unusable.

[0163] The passbook processing unit 12 then reverses the front-to-back orientation of the integrated account passbook PB. If there is unposted data in the fixed term section, the passbook processing unit 12 prints the unposted data 602 in the fixed term section 62. The passbook processing unit 12 then temporarily saves the old, carried-over integrated account passbook PB.

[0164] In other words, the passbook processing unit 12 does not update the magnetic stripe MS#1 for the fixed term portion on the front side (fixed term portion side) 64 of the double-sided passbook type general account passbook PB to make it unusable. Even in the case of a double-sided passbook, the host computer 2 may manage the passbook so that ordinary deposit transactions cannot be made using the old general account passbook (i.e., ordinary deposits in the old general account passbook are treated as unusable). On the other hand, the host computer 2 manages the passbook so that fixed term deposit transactions can continue to be made unusable using the old general account passbook.

[0165] [Steps S310 and S311] The passbook processing unit 12 dispenses a pre-loaded ordinary savings passbook in accordance with an ordinary savings passbook issuance instruction included in the passbook carry-over data.

[0166] Then, the passbook processing unit 12 prints information such as the branch number, account number, and account holder name on the cover and inside pages of the new ordinary savings passbook. At this time, the control unit 11 makes a re-entry request to the host computer 2 to obtain unentered data to be entered into the ordinary savings account (step S310).

[0167] The control unit 21 of the host computer 2 replies with a response message including an instruction to print the unposted data of the ordinary account specified in the re-posting request message (step S311). For example, the new passbook issuance data sent by the host computer 2 includes the unposted print data of the ordinary account and an instruction to write the passbook MS (new passbook).

[0168] [Step S312] The passbook processing unit 12 prints the received unposted data of the ordinary deposit section on a new ordinary deposit passbook (step S312).

[0169] Thereafter, the passbook processing unit 12 writes the magnetic data to the magnetic stripe MS of the new savings passbook.

[0170] Figure 12 is a diagram showing the configuration of a newly issued ordinary savings passbook. Figure 12(A) shows the configuration of the cover 71 of ordinary savings passbook PB2, Figure 12(B) shows the configuration of the inside cover page 72 of ordinary savings passbook PB2, and Figure 12(C) shows the configuration of the ordinary account page 73 of ordinary savings passbook PB2.

[0171] As shown in Figure 12 (A), the passbook processing unit 12 prints information 701, such as the branch number, account number, and account holder name, on the cover 71 of the new ordinary savings passbook PB2 in accordance with the cover printing instruction for the ordinary savings passbook included in the passbook carryover data.

[0172] As shown in Figure 12 (B), the passbook processing unit 12 prints information 702 such as the bank name, branch name, branch number, account number, account holder name, seal impression, etc. on the inside cover page 72 of the new ordinary savings passbook PB2 in accordance with the inside cover printing instructions included in the passbook carryover data.

[0173] As shown in FIG. 12(C), the passbook processing unit 12 prints the unentered print data 703 of the ordinary account included in the new passbook issuance data on the ordinary account page 73 of the new ordinary savings passbook.

[0174] [Steps S313 and S314] The passbook processing unit 12 ejects the newly issued ordinary savings passbook (step S313). Then, when the sensor detects that the new ordinary savings passbook has been received by the customer, the passbook processing unit 12 restores and ejects the old general account passbook that was temporarily saved (step S314).

[0175] (B-3) Modification of the second embodiment The above example illustrates a case where the automated transaction device 1 issues a regular savings passbook instead of a general account passbook when the passbook is carried over, but this is not limited to this, and a single-item fixed-term deposit passbook may also be issued instead of a general account passbook.

[0176] For example, in the explanation of the processing using Figure 9, an example was given of a case where the automated teller machine 1 issues an ordinary savings passbook in place of the general account passbook when the ordinary section of the general account passbook is full and full of lines.

[0177] However, there may be cases where the fixed term section of the general account passbook is full. In such cases, the automated transaction apparatus 1 can issue a fixed term deposit passbook instead of the general account passbook by replacing the ordinary deposit passbook with a fixed term deposit passbook and performing the same processing as shown in the example of Fig. 9.

[0178] (B-4) Effects of the Second Embodiment As described above, according to the second embodiment, if there are no plans to make fixed-term deposits or if the number of times that fixed-term deposits are made is small, a new ordinary savings passbook with more pages than the ordinary section of the ordinary account passbook can be issued instead of a general account passbook. As a result, frequently used ordinary savings transactions can be recorded in the ordinary savings passbook, thereby reducing the number of times that the passbook is carried over.

[0179] According to the second embodiment, fixed term deposits can be recorded in the fixed term section of the existing general account passbook, so the remaining pages in the fixed term section can be used effectively.

[0180] (C) Third embodiment Next, a third embodiment of the automatic transaction apparatus of the present invention will be described in detail with reference to the drawings.

[0181] In the third embodiment, when the ordinary section (and / or fixed term section) of a general account passbook becomes full and full of pages and transactions, and the passbook is carried over, an ordinary savings passbook for ordinary accounts and a fixed term deposit passbook for fixed term accounts can be issued.

[0182] The third embodiment may be combined with and integrated into the processing of the first and / or second embodiments, or may be a standalone processing separate from the processing of the first and / or second embodiments.

[0183] (C-1) Configuration of the third embodiment The configuration of the automated teller machine of the third embodiment is basically the same as the automated teller machine 1 of the first and second embodiments illustrated in Fig. 1. Therefore, the third embodiment will also be described using Fig. 1.

[0184] (C-2) Operation of the Third Embodiment Next, the process when a carryover occurs in the general account passbook of the third embodiment will be described with reference to the drawings.

[0185] 13 and 14 are sequence diagrams showing the processing when a passbook carryover occurs in the integrated account passbook of the third embodiment.

[0186] [Steps S401 and S402] The customer inserts the general account passbook into the automated teller machine 1 (step S401) and performs the transaction that the customer desires at the automated teller machine 1. After the transaction is completed, the control unit 11 of the automated teller machine 1 creates and transmits to the host computer 2 a bookkeeping request message that includes data that identifies the general account, such as a financial institution code, branch number, account number, etc. (step S402).

[0187] Note that steps S401 and S402 correspond to steps S301 and S302 in FIG.

[0188] [Steps S403 and S404] The control unit 21 of the host computer 2 checks the account information of the account (general account ordinary deposit) specified in the received entry request message and determines whether there is any unentered transaction data, including the transaction data performed this time.

[0189] If there is unposted data, the control unit 21 returns a response message to the automated transaction apparatus 1, including an instruction to print the unposted data related to the ordinary deposit of the integrated account (step S403). The control unit 21 edits the account information related to the integrated account (step S404). If there is no unposted data, the control unit 21 of the host computer 2 returns a response message to that effect to the automated transaction apparatus 1.

[0190] It should be noted that steps S403 and S404 correspond to steps S303 and S304 in FIG.

[0191] [Steps S405 to S407] In the automated teller machine 1, the control unit 11 provides the received blank data to the passbook processing unit 12, which then prints the blank data in the general section of the integrated account passbook (step S405). At this point, the general section of the integrated account passbook becomes full of pages and lines (step S406), and a passbook carryover occurs.

[0192] At this time, the display control unit 112 displays on the operation display unit 19 a screen (for example, screen 502 in FIG. 13) that prompts the customer to select whether or not to issue a savings passbook as the newly issued passbook.

[0193] For example, the screen 502 has a button for "Issue a regular savings passbook and fixed term savings passbook" in addition to the "Issue later" button and "Issue now" button exemplified in the first embodiment.

[0194] When a customer who desires to issue both a regular account and a fixed term account passbook as a new passbook selects the "Issue a regular account passbook and a fixed term deposit passbook" button on screen 501, control unit 11 issues a carryover passbook for each of the regular account and fixed term account passbooks.

[0195] First, the control unit 11 transmits to the host computer 2 a message requesting the issuance of a passbook, which includes information indicating that the balance will be carried over from the general account passbook to the ordinary savings passbook (step S407).

[0196] When the host computer 2 receives a passbook issuance request including information indicating carryover issuance to a regular savings passbook, it changes the information to indicate that a regular savings passbook will be used for the regular savings of the general account contracted with the customer.

[0197] The operation when the "issue later" button or the "issue now" button is selected is the same as in the first embodiment, and therefore a detailed description thereof will be omitted here.

[0198] Steps S405 to S407 correspond to steps S305 to S307 in FIG.

[0199] [Step S408] The control unit 21 of the host computer 2 inquires about the account information of the general account's ordinary deposit and fixed term deposit, and returns a response message including an instruction to print data required for passbook carryover (step S408).

[0200] Here, for example, the passbook carryover data includes "last line carryover print data," "page break instruction up to the passbook cover," and "passbook carryover print data to the cover" for the general account passbook ordinary section.

[0201] Furthermore, in the host computer 2, when there is unposted data in the fixed term deposit of the general account, the passbook carryover data includes "page break instructions up to the fixed term section" and "unposted print data for the fixed term section." Note that when there is a lot of unposted data in the fixed term section and the fixed term section is full, the passbook carryover data may include "carryover print data."

[0202] Furthermore, the passbook carryover data includes "instructions for issuing ordinary savings passbooks" and "instructions for printing the cover and inside pages of ordinary savings passbooks."

[0203] If the general account passbook is a single-sided passbook, the magnetic stripe MS is not updated, so the passbook carryover data of the third embodiment does not include a "passbook MS (ordinary section carryover) write instruction."

[0204] On the other hand, if the general account passbook is a double-sided passbook, the magnetic stripe MS#2 on the ordinary section side is updated to be unusable, so in this case, the passbook carryover data of the third embodiment includes a "passbook MS (ordinary section carryover) write instruction."

[0205] [Step S409] In the automated transaction apparatus 1, the passbook processing unit 12 uses the received passbook carryover data to print the necessary information for the carryover on the old general account passbook, thereby carrying out the passbook carryover (step S409).

[0206] Figure 15 is a diagram showing the configuration of an old, single-sided integrated account passbook. Figure 15(A) shows the configuration of the ordinary section 61 of the integrated account passbook PB, Figure 15(B) shows the configuration of the fixed term section 62 of the integrated account passbook PB, and Figure 15(C) shows the configuration of the cover 63 of the integrated account passbook PB.

[0207] 15(A), the passbook processing unit 12 uses the last line carryover print data 620 included in the passbook carryover data to print on the last line of the ordinary section 61 that the amount will be carried over to the new passbook. At this time, it may be clearly indicated that the new passbook is an ordinary savings passbook.

[0208] Furthermore, if there is unposted data to be posted in the fixed period section 62, as shown in Figure 15(B), the passbook processing unit 12 follows the page break instructions up to the fixed period section 62 of the comprehensive account passbook PB in accordance with the page break instructions up to the fixed period section included in the passbook carryover data. The passbook processing unit 12 then prints the unposted data 602 of the fixed period section included in the passbook carryover data in the fixed period section 62 of the old comprehensive account passbook PB. Furthermore, the passbook processing unit 12 uses the carryover printing data included in the passbook carryover data to print in the fixed period section 62 that the passbook has been carried over to the new passbook.

[0209] 15(C), the passbook processing unit 12 follows the page break instruction up to the passbook cover included in the passbook carryover data to page forward to the cover 63 of the integrated account passbook PB. Then, the passbook processing unit 12 prints a character string 603 indicating that the carryover has been completed on the cover 63 of the integrated account passbook PB.

[0210] Here, in the third embodiment, the ordinary portion of the comprehensive account passbook is separated into an ordinary deposit passbook and the fixed term portion of the comprehensive account passbook is separated into a fixed term deposit passbook, so the passbook processing unit 12 updates the magnetic stripe MS attached to the old comprehensive account passbook that has been carried over to be unusable.

[0211] [Step S410] The control unit 11 returns the old integrated account passbook with the carried-over balance (step S410).

[0212] For example, if there is only space to save one passbook, it is desirable to return it at this stage. However, if it is possible to save multiple passbooks, the old, carried-over general account passbook may be returned in step S414 or in steps S419-S420, which will be described later.

[0213] [Steps S411 to S413] The passbook processing unit 12 dispenses a pre-loaded ordinary savings passbook in accordance with an ordinary savings passbook issuance instruction included in the passbook carry-over data.

[0214] Then, the passbook processing unit 12 prints information such as the branch number, account number, and account holder name on the cover and inside pages of the new ordinary savings passbook. At this time, the control unit 11 makes a re-entry request to the host computer 2 to obtain unentered data to be entered into the ordinary savings account (step S411).

[0215] The control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data of the ordinary section of the general account instructed in the reposting request message (step S412).

[0216] For example, the new passbook issuance data transmitted by the host computer 2 is called “first new passbook issuance data.” The first new passbook issuance data includes data related to the issuance of a new ordinary savings passbook.

[0217] For example, the first new passbook issuance data includes "unentered print data for ordinary section" and "passbook MS (ordinary deposit passbook) write instruction", as well as "fixed-term deposit passbook issuance instruction" and "printing instruction for cover and inside pages on fixed-term deposit passbooks".

[0218] The passbook processing unit 12 prints the received unposted data of the ordinary deposit section on a new ordinary deposit passbook (step S413).

[0219] Figure 16 is a diagram showing the configuration of a newly issued ordinary savings passbook. Figure 16(A) shows the configuration of the cover 71 of ordinary savings passbook PB2, Figure 16(B) shows the configuration of the inside cover page 72 of ordinary savings passbook PB2, and Figure 16(C) shows the configuration of the ordinary account page 73 of ordinary savings passbook PB2.

[0220] As shown in Figure 16 (A), the passbook processing unit 12 prints information 701, such as the branch number, account number, and account holder name, on the cover 71 of the new ordinary savings passbook PB2 in accordance with the cover printing instruction for the ordinary savings passbook included in the passbook carryover data.

[0221] As shown in Figure 16 (B), the passbook processing unit 12 prints information 702 such as the bank name, branch name, branch number, account number, account holder name, seal impression, etc. on the inside cover page 72 of the new ordinary savings passbook PB2 in accordance with the inside cover printing instructions included in the passbook carryover data.

[0222] As shown in FIG. 16(C), the passbook processing unit 12 prints the unentered print data 703 of the ordinary account included in the new passbook issuance data on the ordinary account page 73 of the new ordinary savings passbook.

[0223] [Step S414] If there is no unposted data in the fixed term section of the general account passbook, the control unit 11 returns the newly issued ordinary savings passbook (step S414).

[0224] [Steps S415 and S416] The passbook processing unit 12 saves the previously issued ordinary deposit passbook. Next, the passbook processing unit 12 pays out the pre-loaded fixed-term deposit passbook in accordance with the "fixed-term deposit passbook issuance instruction" included in the first new passbook issuance data.

[0225] Then, based on the "printing instructions for the cover and inside pages of the fixed term deposit passbook" included in the first new passbook issuance data, the passbook processing unit 12 prints information such as the branch number, account number, and account holder name on the cover and inside pages of the fixed term deposit passbook as a new passbook, and issues the fixed term deposit passbook (step S415).

[0226] At this time, in order to obtain unrecorded data in the fixed term deposit passbook, the control unit 11 makes a re-recording request to the host computer 2 (step S416).

[0227] [Steps S417 and S418] The control unit 21 of the host computer 2 returns a response message including an instruction to print the unposted data of the fixed term portion of the general account instructed in the reposting request message (step S417).

[0228] For example, the new passbook issuance data sent by the host computer 2 is called “second new passbook issuance data.” The second new passbook issuance data includes data related to the issuance of a new fixed term deposit passbook.

[0229] For example, the second new passbook issuance data includes "unentered print data for fixed term portion" and "passbook MS (fixed term deposit passbook) write instruction."

[0230] The passbook processing unit 12 prints the received unposted data of the fixed term portion on a new fixed term deposit passbook (step S418).

[0231] Figure 17 is a diagram showing the configuration of a newly issued fixed term deposit passbook. Figure 17(A) shows the configuration of the cover 81 of the fixed term deposit passbook PB3, Figure 17(B) shows the configuration of the inside cover page 82 of the fixed term deposit passbook PB3, and Figure 17(C) shows the configuration of the fixed term subject page 83 of the fixed term deposit passbook PB3.

[0232] As shown in Figure 17(A), the passbook processing unit 12 prints the branch number, account number, and account holder information 801 on the cover 81 of the new fixed-term deposit passbook PB3 in accordance with the cover printing instruction for the fixed-term deposit passbook included in the first new passbook issuance data.

[0233] As shown in Figure 17 (B), the passbook processing unit 12 prints information 802 such as the bank name, branch name, branch number, account number, account holder name, seal impression, etc. on the inside cover page 82 of the new fixed-term deposit passbook PB3 in accordance with the inside cover printing instructions included in the first new passbook issuance data.

[0234] As shown in FIG. 17(C), the passbook processing unit 12 prints the blank print data 803 of the fixed term portion included in the second new passbook issuance data on the fixed term subject page 83 of the new fixed term deposit passbook PB3.

[0235] The passbook processing unit 12 also writes magnetic data to the magnetic stripe MS of the new fixed term deposit passbook.

[0236] [Steps S419 and S420] The passbook processing unit 12 ejects the newly issued fixed term deposit passbook (step S419). Then, when the sensor detects that the new fixed term deposit passbook has been received by the customer, the passbook processing unit 12 restores and ejects the ordinary deposit passbook that was temporarily saved (step S420).

[0237] (C-3) Effects of the Third Embodiment As described above, according to the third embodiment, it is possible to issue a new ordinary savings passbook with more pages than the ordinary section of the general account passbook. As a result, frequently used ordinary savings transactions can be recorded in the ordinary savings passbook, thereby reducing the number of times the passbook is carried over.

[0238] According to the third embodiment, if the fixed term portion of the integrated account passbook is full, a fixed term deposit passbook with more pages than the fixed term portion of the integrated account passbook can be issued after issuing an ordinary deposit passbook. In this case, the number of times passbooks can be carried over can also be reduced.

[0239] (D) Fourth embodiment Next, a fourth embodiment of the automatic transaction apparatus of the present invention will be described in detail with reference to the drawings.

[0240] Recently, there has been a trend to reduce the issuance of paper passbooks. However, there are still many customers who use paper passbooks as household account books, for example. Therefore, the fourth embodiment issues paper passbooks for ordinary transactions, and for fixed-term transactions, the current fixed-term statement is checked and an electronic passbook is displayed on the operation display unit, thereby further reducing paper resources and expenses.

[0241] The fourth embodiment may be combined with any of the processes of the first to third embodiments, or may be a standalone process separate from any of the processes of the first to third embodiments.

[0242] (D-1) Configuration of the fourth embodiment The configuration of the automated teller machine of the fourth embodiment is basically the same as the automated teller machine 1 of the first to third embodiments illustrated in Fig. 1. Therefore, the fourth embodiment will also be described using Fig. 1.

[0243] (D-2) Operation of the Fourth Embodiment 18 and 19 are sequence diagrams showing the processing when a passbook carryover occurs in the integrated account passbook of the fourth embodiment.

[0244] In the following operation description, the case where the integrated account passbook is a single-sided passbook is taken as an example. Of course, the present invention can also be applied to a case where the integrated account passbook is a double-sided passbook, in which case the processing described in the first and second embodiments can be applied.

[0245] [Steps S501 and S502] The customer inserts the general account passbook into the automated teller machine 1 (step S501) and performs the transaction that the customer desires at the automated teller machine 1. After the transaction is completed, the control unit 11 of the automated teller machine 1 creates and transmits to the host computer 2 a bookkeeping request message that includes data that identifies the general account, such as a financial institution code, branch number, account number, etc. (step S502).

[0246] It should be noted that steps S501 and S502 correspond to steps S301 and S302 in FIG. 9 and steps S401 and S402 in FIG.

[0247] [Steps S503 and S504] The control unit 21 of the host computer 2 checks the account information of the account (general account ordinary deposit) specified in the received entry request message and determines whether there is any unentered transaction data, including the transaction data performed this time.

[0248] If there is unposted data, the control unit 21 returns a response message to the automated transaction apparatus 1, including an instruction to print the unposted data related to the ordinary deposit of the integrated account (step S503). The control unit 21 edits the account information related to the integrated account (step S504). If there is no unposted data, the control unit 21 of the host computer 2 returns a response message to that effect to the automated transaction apparatus 1.

[0249] It should be noted that steps S503 and S504 correspond to steps S303 and S304 in FIG. 9 and steps S403 and S404 in FIG.

[0250] [Steps S505 to S507] In the automated teller machine 1, the control unit 11 provides the received blank entry data to the passbook processing unit 12, which then prints the blank entry data in the general section of the integrated account passbook (step S505). At this point, the general section of the integrated account passbook becomes full of pages and lines (step S506), and a passbook carryover occurs.

[0251] At this time, the display control unit 112 displays on the operation display unit 19 a screen (for example, screen 500 in FIG. 19) that allows the customer to select whether or not to issue a regular savings passbook as the newly issued passbook. For example, as in the first embodiment, by selecting the "Issue now" button on screen 500, the passbook is continuously carried over. Note that the operation when the "Issue now" button is selected is the same as in the first embodiment, and therefore a detailed description thereof will be omitted here.

[0252] The control unit 11 transmits to the host computer 2 a message requesting the issuance of a passbook, which includes information indicating that the amount to be carried over from the general account passbook to the ordinary savings passbook is to be issued (step S507).

[0253] [Step S508] The control unit 21 of the host computer 2 inquires about the account information of the general account's ordinary deposit and fixed term deposit, and returns a response message including an instruction to print data required for passbook carryover (step S508).

[0254] Here, for example, the passbook carryover data includes "last line carryover print data," "passbook MS (ordinary section carryover) write instruction," "page break instruction up to the passbook cover," and "passbook carryover print data to the cover" for the general account passbook's ordinary section.

[0255] Furthermore, in the host computer 2, when there is unposted data in the fixed term deposit of the general account, the passbook carryover data includes "page break instructions up to the fixed term section" and "unposted print data for the fixed term section." Note that when there is a lot of unposted data in the fixed term section and the fixed term section is full, the passbook carryover data may include "carryover print data."

[0256] [Steps S509 and S510] In the automated transaction apparatus 1, the passbook processing unit 12 uses the received passbook carryover data to print the necessary information for the carryover on the old general account passbook, thereby carrying out the passbook carryover (step S509).

[0257] For example, the passbook processing unit 12 records unentered data in the ordinary section of the general account passbook, prints "passbook carryover" on the last line of the ordinary section during printing, and after a page change to the cover of the old general account passbook, prints "carried over" on the cover and updates the magnetic stripe MS to unusable.

[0258] Then, when the passbook processing unit 12 completes the carryover process of the old integrated account passbook, it saves the old integrated account passbook (step S509).

[0259] Next, the operation display unit 19 of the automated transaction apparatus 1 displays a selection screen that allows the customer to select whether or not a passbook for fixed term items of the general account passbook is required (step S510).

[0260] For example, as shown on screen 503 in Figure 18, "From now on, there will be a fee for issuing passbooks for regular subjects. To issue a passbook for regular subjects, please press "Issue passbook." If you do not want to issue a passbook for regular subjects, please press "No passbook required." If you select "No passbook required," you can check the details of your regular subjects on the screen." [Steps S511 to S515] For example, when the "Issue Passbook" button is selected on the screen 503, the passbook processing unit 12 prepares to issue a new integrated account passbook. That is, the passbook processing unit 12 dispenses the pre-filled integrated account passbook (step S511). At the same time, the control unit 11 sends a re-entry request to the host computer 2 (step S512).

[0261] Also, for example, when the "No passbook required" button is selected on the screen 503, the passbook processing unit 12 prepares to issue a new ordinary savings passbook. That is, the passbook processing unit 12 dispenses the ordinary savings passbook that has been filled in beforehand (step S513). At the same time, the control unit 11 sends a re-entry request to the host computer 2 (step S514).

[0262] The control unit 21 of the host computer 2 replies with a response message including an instruction to print the unposted data of the ordinary account portion of the general account instructed in the re-posting request message (step S311). For example, the new passbook issuance data sent by the host computer 2 includes the unposted print data of the ordinary account portion, an instruction to break pages up to the term portion, the unposted print data of the term portion, and an instruction to write the passbook MS (new passbook).

[0263] [Step S516] The passbook processing unit 12 prints information on the cover and inside pages of the new passbook based on the "Instruction to print cover and inside page data on passbook" in the passbook carryover data, and prints the blank data on the regular section (step S516). The passbook processing unit 12 also updates the magnetic stripe MS of the new passbook to indicate that it is usable.

[0264] The new passbook referred to here means a general account passbook when "Issue passbook" on screen 503 is selected, and means a regular savings passbook when "No passbook required" on screen 503 is selected.

[0265] The structure of a general account passbook as a new passbook is illustrated in FIG. 20, and the structure of a regular savings passbook as a new passbook is illustrated in FIG.

[0266] 20(A) to 20(C), the passbook processing unit 12 prints information 906, such as the branch number, account number, and account holder, on the cover 93 of the new comprehensive account passbook PB4 in accordance with the passbook cover printing instruction included in the passbook carryover data. The passbook processing unit 12 also prints information 907, such as the bank name, branch name, branch number, account number, account holder, and seal impression, on the inside cover 96 of the new comprehensive account passbook PB4 in accordance with the inside cover printing instruction included in the passbook carryover data. As shown in FIG. 20(C), the passbook processing unit 12 prints unposted print data 908 for the ordinary section, included in the new passbook issuance data, on the ordinary section 91 of the new comprehensive account passbook PB4.

[0267] 21(A) to 21(C), the passbook processing unit 12 prints information 1001, such as the branch number, account number, and account holder, on the cover 101 of the new ordinary savings passbook PB5 in accordance with the passbook cover printing instruction included in the passbook carryover data. The passbook processing unit 12 also prints information 1002, such as the bank name, branch name, branch number, account number, account holder, and seal impression, on the inside cover page 102 of the new ordinary savings passbook PB5 in accordance with the inside cover printing instruction included in the passbook carryover data. As shown in FIG. 21(C), the passbook processing unit 12 prints unentered print data 1003 for the ordinary section included in the new passbook issuance data on page 103 of the new ordinary savings passbook PB5.

[0268] Here, as illustrated in Figure 21(B), a two-dimensional code 1004 of the URL of a site where transaction data for the fixed-term deposit account in the customer's name can be viewed may be printed on the inside back page of the new savings passbook PB5.

[0269] This allows the customer to read the two-dimensional code 1004 using a two-dimensional code reading application installed on an information terminal such as a smartphone, and access the site for transaction data for the fixed-term deposit account through the information terminal.

[0270] The site URL of the two-dimensional code may be the homepage of the financial institution, the homepage for individual customers of the financial institution, the homepage for fixed-term deposit accounts, the homepage or login page of the electronic passbook, etc.

[0271] [Steps S517 to S522] Steps S517 to S522 are processes performed when, for example, "No passbook required" is selected on screen 503. In this case, an ordinary savings passbook is issued, and if there is transaction data for a fixed term account, the transaction data for the fixed term account is displayed on the operation display unit 19 of the automated transaction apparatus 1. This will be explained below.

[0272] For example, if "No passbook required" is selected on screen 503 (step S517), the control unit 11 determines whether there is transaction data for a fixed term account based on the message received from the host computer 2 (steps S518, S522).

[0273] Here, the transaction data for the periodic subject may be determined using the message data that has been transmitted between the automated transaction apparatus 1 and the host computer 2. Alternatively, the automated transaction apparatus 1 may request the transaction history of the transaction data for the periodic subject from the host computer 2 again, and the determination may be made using the response message data.

[0274] If there is transaction data for the fixed term subject (step S518), the transaction data is displayed on the operation display unit 19 (step S519).

[0275] Screen 504 in Figure 19 is an example of a screen showing transaction data for a fixed term account. Screen 504 may be the same as a screen that displays transaction data for a fixed term account in an electronic passbook, for example. Screen 504 may also be formed of multiple pages depending on the number of transactions. In this case, pages can be turned using the "Previous Page" and "Next Page" buttons on the screen. Screen 504 also has a "Confirm" button to request confirmation from a customer who has viewed an inquiry about transaction data for a fixed term account. When this "Confirm" button is selected, the confirmation process for transaction data for a fixed term account ends and the process moves to the next step.

[0276] Then, when confirmation of the transaction data for the fixed term account is completed, the passbook processing unit 12 ejects the newly issued ordinary savings passbook (step S520). Then, when the sensor detects that the new ordinary savings passbook has been received by the customer, the passbook processing unit 12 restores and ejects the old general account passbook that was temporarily saved (step S521).

[0277] The control unit 11 determines whether or not there is transaction data for the regular subject based on the message received from the host computer 2 (steps S518, S522), and if there is no transaction data for the regular subject (step S522), the control unit 11 does not display the transaction data for the regular subject on the operation display unit 19 and proceeds to step S522. As a variation, the control unit 11 may display on the operation display unit 19 a screen indicating that there is no transaction data for the regular subject and having a "Confirm" button to request confirmation from the customer.

[0278] [Steps S523 to S526] Steps S523 to S526 are the processing performed when, for example, "Issue Passbook" is selected on screen 503. In this case, a new general account passbook with a fixed term section is issued, and if there is unposted data in the fixed term section, that unposted data is posted in the fixed term section. This is explained below.

[0279] For example, if "Passbook issue" is selected on screen 503 (step S523), as shown in Figure 20 (D), the passbook processing unit 12 turns the pages up to the regular section 92 of the new comprehensive account passbook PB4 in accordance with the "page break instruction up to the regular section" included in the new passbook issuance data received from the host computer 2. Then, the passbook processing unit 12 prints the blank entry data 909 for the regular section included in the new passbook issuance data received from the host computer 2 onto the regular section 92 of the new comprehensive account passbook PB4 (step S524). Note that if there is no blank entry data for the regular section, no blank entry data is printed onto the regular section.

[0280] The passbook processing unit 12 then ejects the newly issued integrated account passbook (step S525). When the sensor detects that the new integrated account passbook has been received by the customer, the passbook processing unit 12 restores and ejects the old integrated account passbook that was temporarily saved (step S526).

[0281] (D-3) Modified Example (D-3-1) In the fourth embodiment described above, for example, when "Issue passbook" is selected on screen 503, the passbook processing unit 12 issues a general account passbook in order to apply the existing passbook carryover process without changing it.

[0282] However, when "Issue passbook" is selected, the passbook processing unit 12 may issue a fixed term deposit passbook as a new passbook. In this case, the processing described in the third embodiment can be applied.

[0283] As another variation, when "Issue Passbook" is selected, if the fixed term portion of the old integrated account passbook is usable, the passbook processing unit 12 may allow the fixed term portion of the old integrated account passbook to continue to be usable without issuing a new integrated account passbook. In this case, the processing described in the first embodiment can be applied.

[0284] (D-3-2) In the fourth embodiment described above, step S519 in Fig. 19 illustrates the case where transaction data for fixed term accounts is displayed on the operation and display unit 19. However, this is not the only possible process. For example, if a two-dimensional code 1004 of a website URL for viewing transaction data for a fixed term deposit account is printed on the cover page of a new ordinary savings passbook, the customer can check it on a smartphone, etc. Therefore, in this case, the screen display in step S519 may be omitted.

[0285] (D-3-3) Furthermore, in the above-described fourth embodiment, the case where the two-dimensional code 1004 is printed on the inside cover page 102 of a newly issued ordinary savings passbook PB5 has been exemplified, but the page on which the two-dimensional code 1004 is printed is not limited to the inside cover page 102. In addition, the position of the two-dimensional code 1004 on the inside cover page 102 is not limited to the position exemplified in FIG. 21(B).

[0286] (D-3-4) The two-dimensional code 1004 may also be displayed on the screen of the operation display unit 19. This allows the customer to read the two-dimensional code with a smartphone or the like, access the site URL, and check the transaction data of the fixed-term deposit account through the smartphone or the like.

[0287] (D-4) Effects of the Fourth Embodiment As described above, according to the fourth embodiment, transaction data for fixed term deposit accounts in a general account passbook can be viewed on the screen of the operation display unit or as electronic information, such as information in an electronic passbook, etc. This makes it possible to reduce paper resources and costs.

[0288] Furthermore, according to the fourth embodiment, as in the third embodiment, a new ordinary savings passbook with more pages than the ordinary section of the general account passbook can be issued. As a result, frequently used ordinary savings transactions can be recorded in the ordinary savings passbook, thereby reducing the number of times the passbook is carried over. [Explanation of symbols]

[0289] 10...transaction system, 1...automatic transaction device, 2...host computer, 11...control unit, 111...transaction processing unit, 112...display control unit, 12...passbook processing unit, 13...card processing unit, 14...statement slip processing unit, 15...banknote deposit / withdrawal unit, 16...coin deposit / withdrawal unit, 17...memory unit, 18...communication unit, 19...operation display unit, 21...control unit, 22...communication unit, 23...database, 121...writer unit, 122...printing mechanism unit, 123...passbook mechanism unit, NT...communication line.

Claims

1. In an automated transaction device that processes transactions using a multi-item passbook having at least a time section for recording time deposits and a regular section for recording ordinary deposits, A control unit; a passbook processing unit that, when the passbook is carried over due to full pages or full transactions in the ordinary section of the multi-subject passbook, continues to use the fixed term section of the multi-subject passbook under the control of the control unit, and issues a new passbook for the ordinary section; An automatic transaction device comprising:

2. the bankbook processing unit has a magnetic stripe writing unit, The magnetic stripe writing unit leaves the information stored in the magnetic stripe attached to the multi-subject passbook as it is and makes it usable for the magnetic stripe attached to the new passbook.

2. The automated transaction device according to claim 1.

3. the passbook processing unit has a printing unit, The printing unit prints information indicating that the ordinary portion of the multi-subject passbook will be carried over to the new passbook on the last line of the last page of the ordinary portion of the multi-subject passbook, and prints information indicating that the fixed portion of the multi-subject passbook can continue to be used on the cover of the multi-subject passbook.

3. The automatic transaction device according to claim 1 or 2.

4. 4. The automated transaction device according to claim 1, wherein the new passbook is a new, separately issued, multi-subject passbook.

5. 4. The automated transaction device according to claim 1, wherein the new bankbook is a regular savings bankbook.

6. In an automated transaction device that processes transactions using a multi-item passbook having at least a time section for recording time deposits and a regular section for recording ordinary deposits, A control unit; a passbook processing unit that, when carrying over a passbook due to full pages or full transactions in the ordinary section of the multi-subject passbook, issues a new passbook for recording unrecorded data for the ordinary section under the control of the control unit, and issues a passbook for the fixed term section as a different passbook from the new passbook for the ordinary section; An automatic transaction device comprising:

7. The passbook processing unit For the ordinary section, ordinary savings account passbooks will be issued, Regarding the fixed term portion, a fixed term deposit passbook with fixed term items will be issued, or the fixed term portion of the multi-item passbook will be continued to be used.

7. The automated transaction device according to claim 6.

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