Types and characteristics of account book printed matter and printing binding process

In Europe and the United States, account book printing is commercial form printing. With the further development of the computerization of financial services, the printing of account books has undergone great changes. In particular, the second comprehensive online conversion is used as a turning point. The account book printing industry has demand for OMR printing technology and magnetic strip processing technology.

Types and specifications of books

1. kind

(1) According to the purpose of the book, there are the following types: ① comprehensive account book; ② ordinary passbook; ③ regular passbook; ④ regular accumulated passbook; ⑤ current passbook; ⑥ other.

(2) According to the form of account book, there are the following two types: â‘  compact account book, which is an account book used a long time ago; â‘¡ horizontal account book, with the onlineization of account book, the current model account book has become the mainstream.

2. Account book specifications

In the past, online books were only suitable for terminals used by financial institutions. Each terminal manufacturer specified qualified printing materials and detailed specifications for printing processing to meet the specified accuracy. The specifications and structure of the magnetic account book used in the currently used online terminal are as follows.

(1) Front cover: â‘  The cover of the account book and the paper of the account book are initially combined; â‘¡ The thickness including the cover of the account book is 0.3mm; â‘¢ The magnetic strip is applied to the back cover.

(2) Inner paper: â‘ Inner paper is generally less than 5 sheets of offset paper with a thickness of 1.25mm or less than 4 sheets of offset paper with a thickness of 0.15mm; â‘¡Inner paper should not be affected by embossing.

Characteristics of books

1. Heat resistance: placed at a temperature of -10 ° C ~ ten 45 ° C for 39 minutes, and then returned to room temperature and placed for 2 hours, its X direction (printing direction) expansion rate should be less than 0.6%, Y direction expansion The rate (printing and vertical direction) should be less than 0.3%.

2. Humidity resistance: Humidity is generally between 30% and 85%. When the temperature changes by 40%, its X-direction stretch rate is less than 0.6%, and the Y-direction stretch rate should be less than 3%.

3. Wrinkling of account books: Under the conditions of temperature of -10 ° C to 45 ° C and humidity of 30% to 85%, the width of the account book when folded in half due to wrinkling should be less than 8mm.

4. Adhesion: When the account books are stacked and stored, there should be no adhesion between the account books.

5. Magnetic properties:

(1) Magnetic properties

①Residual magnetic flux (Ф) = 1.3 × 10-8 ± 0.2Wb; ②Coercive force (Hc) = 290 ± 20e; ③Angle ratio is above 0.7; ④Thickness is 14 ± 3μm.

(2) Output characteristics

① Magnetic stripe reading output variation is 100V ± 15%; ②Magnetic stripe signal-to-noise ratio should be below 25; ③Magnetic stripe adhesion is above 600g / 12.7mm (measurement method according to JSC2107); ④Magnetic stripe durability Can read more than 1000 times, and after writing, the output voltage has no abnormality; ⑤ The sticking method of the magnetic strip can be heat-sensitive or pressure-sensitive, and note that the adhesive must not overflow. [next]

Printed materials for books

When the account book is printed and processed, the printing materials used are mainly account book cover materials, text paper, and printing inks. The materials should be selected correctly.

1. Account book cover material

The cover materials of account books are generally divided into cloth and paper seals. Cloth seal is made of interwoven cloth adhesive liner. The cloth pattern is thick and thin, and there is a seal. It is mainly used for the expansion of the magnetic tape adhesive type. The paper seal is made of synthetic paper and other paper bases. Because of its smooth surface, it is often used in transfer-type books with magnetic stripes. The cloth village for account books requires printing suitability, stamping suitability, tape processing suitability and the use of ballpoint pens, and the rate of expansion and contraction should be small.

2. Printing paper

The paper used for the accounting text is usually a special paper used for the online accounting text. The opacity of the paper and the readability of the OMR are more important indicators.

3. Printing ink

In order to meet the OMR readability requirements, except for time marks, the rest need to be printed with high-reflectivity color inks. The printing process requires strict PCS density management.

Plate making and printing of account books

1. Plate making

The plate making of account book printing is almost the same as that of general form printing. Recently, accounts for on-line terminals, including the time stamps for automatic line setting and barcodes for detecting page numbers, etc., are required to produce a very high-precision stencil.

2. print

Offset printing is the main printing method used in account printing. Quick-printing presses are mainly sheet-fed offset presses with more than two colors, and occasionally commercial form presses are also used. When printing, ensure accurate overprinting and strictly abide by the printing density requirements. For the time management of automatic line setting and the density management of high-reflectivity color printing, an OCR test meter is used. Among them, the printing density is specified by each terminal manufacturer as the printing contrast signal value. In addition, when printing the patch, use an ink with good adhesion to the surface of the cloth seal.

Bookbinding and processing

In the production and processing of account books, the most important thing is binding processing. Thin binding processing machines include tributary machines, I-cutting machines, thread lockers, cover-gluing machines, compactors, creasing machines, filleting machines, magnetic strip processing machines, magnetic strip inspection machines, etc.

Magnetic account book

With the onlineization of the deposit business, the magnetization of account books has also progressed. Adding a magnetic strip to the account book can reduce the number of terminal operators and even develop towards unmanned terminals. The processing method of the magnetic strip mainly adopts the method of heating and bonding the adhesive, or the transfer method of thermal transfer and adhesion of the magnetic strip. At present, the product with color coating on the magnetic strip has been developed and put into use. The use of different magnetic strip processing methods must also use corresponding processing and inspection equipment. Magnetic stripe processing requires superb production technology. For the processed magnetic stripe, the printing house must prepare a preencoding for recording the magnetic stripe in advance.

Looking to the future

With the development of the financial industry, new printing technologies have also been actively adopted in account printing. And the processing of account books has also put forward new demands for high-precision special printing technology. Looking into the future, the future technical issues mainly include the following aspects:

(1) Chinese character processing function for window terminal printers; (2) To adapt to window terminals such as thermal printers and inkjet printers; (3) To meet the high-density recording processing requirements of magnetic stripe; (4) To adapt to page numbers Increasing demands.

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