JPS58225480A - Transaction processing device - Google Patents

Abstract

PURPOSE:To prevent a discharged body from being taken away by another person by withdrawing the discharged body when the discharged body is left as it is for a specific time because a user is absence. CONSTITUTION:A CRT display 2 and operation keys 11-18 are provided on the operation surface of a cash dispenser 1 and a cash insertion opening 7 and a cash return opening 8 are further provided. Furthermore, a clerk key 9, card insertion opening 5, cash payment opening 4, bankbook insertion opening 3, etc., are provided on a vertical surface over the operation surface. Body detectors 22 are provided on the front vertical surface of the cash dispenser 1. For example, a card, cash, or bankbook is discharged from the card insertion opening 5, cash payment opening 4, or bankbook insertion opening 3 and left for the specified time while the body detectors 22 detect no user. In this case, the discharged body is withdrawn into a withdrawn box.

Description

DETAILED DESCRIPTION OF THE INVENTION (A) Field of the Invention The present invention relates to transaction processing devices such as automatic teller machines, automatic teller machines, and automatic teller machines used in money transfer institutions such as banks.

(b) Background] The above-mentioned transaction processing device has a user standing in front of its operation surface.
Alternatively, when the device is installed outdoors, transactions are carried out by parking the vehicle in front of the operation area and sweeping the inside of the vehicle. ,
Or after the car leaves and the user is gone, cash,
If you release materials such as passbooks and cards, there is a risk that they may be stolen by others.

(c) Purpose of the Invention Therefore, as described above, the object of the present invention is to provide a transaction processing device that prevents the ejected material from being mistakenly taken away by another person.

B) Effects of the Invention According to this invention, if the user detector detects that there is no user present after a predetermined period of time has elapsed while ejected materials such as bankbooks, cards, cash, statement sheets, etc. are emitted, the ejected materials are emitted. Since the materials are collected, even if the materials are unattended at the time of release, they will not be removed by others, will be securely protected, will avoid contact with customers, and will be kept in their initial state after collection. If it is possible to return to the original location, there will be no need for staff to deal with the situation when someone forgets to remove the item.

(e) Description of examples One example of this invention will be described in detail below based on the drawings.

FIG. 1 shows the appearance of an automatic teller machine in which the present invention is implemented, and the operation surface of the teller machine 1 is equipped with a CRT display (hereinafter referred to as CRT) covered with a protective glass.
2 are arranged.

The CRT 2 is provided to display operation guidance text and graphics to guide the user's operations, display the functions of the operation keys, display the amount to be paid, and other operation confirmations. Operation keys 11-14, 18 and 15-17 are provided near the left and right sides of 0RT2.

The operation keys 11-17 are used by the user to designate the type of transaction and input the unit of payment request amount in 10,000, 1,000, yen, etc. What function does each operation key have? As mentioned above, C! Displayed on RT 2. 18 is an operation key exclusively for cancellation. On the right side of the OR'T2, there is provided a numeric keypad 6 for inputting the user's personal identification number, the amount to be transferred in the transfer process, the registration number, the branch number, the account number, the amount to be paid, etc.

On the left side of the operation keys 11 to 14 and 18 are a cash input lower for inserting banknotes and a cash return slot 8 for returning banknotes.
is provided.

On the upper vertical surface of the operating surface of the cash dispensing machine 1, there is an attendant key 9 for operating the attendant on the right side, and a card insertion slot 5 for inserting a card magnetically recorded with a user's unique personal code or secret number.
, a cash dispensing port 4 for discharging banknotes during payment processing is provided. Further, a passbook insertion slot 8 is provided on the left side of the cash dispensing slot 4. This passbook insertion slot 8 is used for inserting and discharging a passbook and for discharging a statement.

Above the bankbook insertion slot 8, there are provided an in-transaction indicator 20 that indicates that transactions with the deposit dispensing machine 1 are possible, and an indicator 21 that indicates the types of transactions that can be conducted.

Further, object detectors 22 and 22 are provided on the left and right positions of the front vertical surface of the deposit dispensing machine l. The object detector 22.22 detects a user at a user operation position set in front of the deposit dispensing machine 1 or a user remaining in a motor vehicle. Note that for users riding in a vehicle, the detection of the vehicle itself is used instead of the detection of the user.

FIG. 2 shows a schematic block diagram of the internal structure of the automatic teller machine 1 shown in FIG. 1. The deposit dispensing machine 1 includes, as input/output devices, a bill dispensing machine 81 that sends out a predetermined amount of bills to the payout port 4 at the time of cash payment, and a biμ checker 82 that determines the authenticity and type of bills inserted into the cash input lower. , a slip issuing machine 88 that records transaction data such as the transaction type, payment amount, deposit amount, etc. for each transaction processing as a bank copy, and a magnetic card that reads information magnetically recorded on the card inserted into the card slot.・Reader 84, a bookkeeping device 85 that prints each transaction data on the passbook/statement slip and reads or writes information recorded on the magnetic tape attached to the outer surface of the cover of the passbook, operation keys 11 to 18, and a numeric keypad. 6, a display device 87 including a CRT2Q, an object detection device 88 including an object detector 22, an internal spring lv (
It is equipped with a control device 89 (not shown) and a banknote collection bag @49.

The deposit dispensing machine 1 is controlled by a mask-spring system and has one master central processing unit (M-CPU) 40.
and a plurality of slave processing units (S-CPUs) 4B. The key manual device 86, display device 87, object detection device 88, and banknote collection device 49 are provided in one 5-OP.
Controlled by U4B, each of the banknote ejection machine 81, biμ checker 82, bookkeeping machine 85 and internal spring control device 89 is one S-C! By PU4 B, the slip issuing machine 88 and card reader 84 are connected to another 5-CP.
Controlled by U48.

M-(:! PU 40 and 5-OPU 4B are each equipped with a program memory 41.44 in which execution programs for each transaction processing such as deposit and payment are stored in advance, and a data memory 42.45 in which transaction processing data is stored. There is.

Each S-C from 0PU40! When a command is sent to the PU 48, each 5-CPU 48p controls each input/output device according to the execution program stored in the memory 44 to perform the operation specified by the above command, and executes this process. Necessary data generated during the process is sent to the M-CPU 40. Transaction processing gates such as cash deposits and payments are transmitted from the M-CPU 40 via the transmission control circuit 47 to a center (not shown), and necessary information is sent from the center via the transmission control circuit 47 to the M-OPIJ 40. Furthermore, M-CP with a remote monitor not shown
γ-transmission is also performed with U40 via the transmission control circuit 48.

FIG. 8 shows the range in which the aforementioned object detector 22.22 detects a user.

The object detector 22.22 described above is constituted by a photoelectric sensor, for example, and detects a user or a vehicle by blocking the front of the sensor.

The object detectors 22.22 described above form a triangular detection area S'ilH by directing their detection directions inward.
When a user or blood is present in this area S, it is detected.

Normally, users will see CI, C! in front of the deposit payment machine. 2, C8
Create a line like this. At this time, the height l of the triangle of the detection area S is set so that only the user C1 can enter the object detector 22.22.
Adjust the output.

As a result, there is no need to detect the users C2, 08, and there is no need to detect the left and right users C4, C5.

FIG. 4 shows the detection of users who are still riding in a car, and the cars line up horizontally in front of the deposit dispensing machine 1 like 0ARI and CAR2. Therefore, only one vehicle can be detected in the aforementioned detection area S, and the detection range does not need to be as strict as in the case of the user shown in FIG.

FIGS. 5 and 6 show the above-mentioned banknote collection device 49, and this device 49 is arranged in the cash dispensing port 4 shown in FIG. wI1.

The above-mentioned cash dispensing mouth 4 is provided with a tray 51 for receiving the discharged banknotes, and this V-51 is provided so as to be able to rotate upwardly about a drive shaft 52, and when it rotates upwardly, Customer service spring/in the recess 54 formed in L'5g) L/-
The same-edge raised portion 65 of the banknote 51 is configured so that the banknotes received in the banknote 1/-51 cannot be completely removed from this peripheral portion.

The central part of the front part of the V-51 (mentioned above) has a notch 56 for making it easier to take out banknotes received on this tray 51.
A cover 57 is provided on the lower surface side of this notch 56 to close this notch 56, and this cover 57 has a shaft 58 appropriately supported on the lower surface of the tray 51.
When the tray 51 is in the normal position for receiving banknotes, the cover 57 also has the notch 56.
The banknotes can be easily taken out using the notch 56 located at a distance from the bottom. However, when the tray 51 moves upward and enters the fourth section 54, the cover 57 also moves upward and closes the YaJ notch 56.

For this purpose, an operating piece 59 is connected to one end of the shaft 58, and this operating piece 59 is operated by coming into contact with a pin 60 provided on the side wall while the tray 51 is moving upward. Ru. The drive shaft 52Ili of the tray 61 described above is connected to a drive source such as a motor that is controlled in appropriate forward and reverse directions.

Note that by controlling the rotation of the drive shaft 52, the tray 51 and the cover 57 move upward, closing the cash dispensing port 4).
When the banknotes on the tray 51 are put in the collecting state, the banknotes are held in the tray 51 and then collected by the staff.As another means, a collection box is provided at the bottom of the tray 51.
) Bills may be dropped based on the upward movement of V-51 and collected in a collection box.

FIG. 7 shows the passbook and statement slip collection mechanism, that is, the internal mechanism of the passbook insertion slot 8.

A conveyance path 61 is formed inside the passbook insertion slot 8 by an appropriate conveyance plate/L/[ and conveyance lobes, and this conveyance path 6
1 is controlled in forward and reverse directions (take-in direction and return direction) by an appropriate forward-reverse motor.

The take-in lobe 62.62 takes in the inserted passbook, returns the passbook, or releases the statement slip, and the shutter 68
Normally, the lobes 62, 62+7) 11J bankbook insertion slot 8 is closed, and when a transaction using a bankbook is designated, the shutter 68 is opened by driving the solenoid 64.

The first centsi is constituted by a photoelectric sensor, and detects the requisition of the jffl book and statement slip when the passbook is inserted, returned, or released. The magnetic head 65 reads and updates bankbook data from the magnetic stripe provided on the bankbook.

The page turning rollers 66 and 67 are rotated as appropriate to turn the pages of the passbook, and one loaf 66 is turned.
The other roller 67 performs reverse turning.

The statement slip storage box 68 stores statement slips, and one of the statement slips is delivered by rotation control of the delivery roller 69 and delivered to the conveyance path 61 by the guide plate 70.

The second sensor S2 is constituted by a photoelectric sensor and detects the sending of the statement slip.

The collection box 71 collects forgotten bankbooks and statement slips, and at the time of collection, the conveyance switching lever 72 is driven by an appropriate solenoid to guide the passbooks and statement slips conveyed in the return direction through the conveyance path 61f, and return them to the collection box 71. to be collected.

The eighth sensor S8 is constituted by a photoelectric sensor, and detects the print line of the passbook or statement slip to position the print. read

The printing unit 78 prints transaction data on a bankbook or statement slip.

The recovery operation of the recovery mechanism configured as described above is performed as follows. For example, in the case of a bankbook, after transaction data is printed in the printing section 78, the bankbook is returned to the bankbook insertion slot 8#/c.

At this time, the rear end of the passbook stops with the first sensor 51t covered and waits for removal.

When it is determined that the passbook has been left behind, the passbook is once taken in to the position of the eighth sensor, the number of pages is read by the mark detector S4, and the direction in which the passbook is folded is determined based on this number of pages. Determine whether the situation is reversed.

Next, the bankbook is sent to the position 67 of the Jiro Fluoro, which turns the pages, and at this position, the bankbook is folded by controlling the rotation of the loaf 66 or 67 based on the judgment 1, and the 8th sensor S8 is turned again.
If the passbook is taken in to the position shown in FIG.
is guided to the collection box 71 and collected.

In the case of collecting the statement slip, the transaction data is printed by the printing unit 78 and then returned to the passbook insertion slot 8. At this time, the rear end of the statement sheet stops covering the first sensor S1 and waits for collection.

When it is determined that the statement slip has been forgotten, the statement slip is sent to the eighth sensor S.
When the statement slip is taken in to position 3 and then the conveyance switching lever 72 is driven to convey the statement slip in the return direction, the statement slip is guided by the lever 72 and collected in the collection box 71.

Below margin The processing operation of the deposit dispensing machine 1 will be explained with reference to FIG.

First, referring to FIG. 8A, in step 101, the CRT 2 displays a guidance display for specifying the transaction type, and this guidance display reads, "Welcome, please press one key for your needs." Furthermore, "Balance inquiry", "Passbook entry", "Withdrawal" and "Deposit" are displayed in correspondence with the operation keys 11, 12, 15 and 16.

If "deposit" is specified in step 102, step 11
1, 0RT2 is "Please insert your passbook or card"
When the user inserts a bankbook or card into the bankbook insertion slot 3 or card insertion slot 5 in step 112 or 115 according to this display, the bankbook or card is taken into the internal device and the user inserts the bankbook or card into the bankbook insertion slot 3 or card insertion slot 5 in step 112 or 115. ,CR
At T2, a message "Please insert banknotes" is displayed.

In step 115, the user inserts banknotes into the cash input lower. In step 116, the banknotes are taken into the machine and checked and counted by the pill checker 32.
At step 17, 0RT2 displays the counted amount and also displays the message "Please press the confirmation key."

When the user presses the confirmation key in step 118, 0RT2 displays [Currently processing] in step 119, edits the deposit data in step 120, sends it to the center, and When an OK message from the center is received at step 121, step 12
At step 2, the recorder 65 is driven to print the transaction data on a bankbook or statement slip, and at step 126, the banknotes are stored in an appropriate storage section.

Next, in step 124, the 0RT2 displays the message ``Please take out your bankbook or card.'' In step 125, the card is returned to the card insertion slot 5, and the bankbook or statement slip is ejected into the bankbook insertion slot 3.

Then, wait for n seconds until the removal of these bankbooks, statement slips, or cards is detected by an appropriate detector. After n seconds have elapsed, if (steps 126 and 127) have not been removed, the object detection device 58 The object detectors 22.22 detect whether a user (or a car) is present in the user operation position on the front part of the deposit dispensing machine 1, that is, the detection area S, and If the presence is recognized, the n-second timer is reset, and the process returns to step 126 to wait for extraction.

When the removal of the passbook, statement slip, or card is detected by an appropriate detector, 0 is detected in step 160.
RT2 displays "Thank you" indicating the completion of processing and ends the transaction.

If the presence of the user at the user operation position of the deposit dispensing machine 1 is not recognized in step 128 described above, step 12
In step 9, if the passbook or statement slip has not been extracted, it is taken inside through the passbook insertion slot 3 and collected into the collection box 71. If the card is not removed, it is taken into the card slot 5 and collected, and the transaction is completed.

When "Payment" is specified in step 102 (Figure 8), in step 141, the 0RT2 displays "Please insert your card", and based on this display, the user selects the card in the card insertion slot 5 in step 142. When a card is inserted into the holder, the card is taken inside and the card data is read by the card reader 34.

Next, in step 145, the 0RT2 displays the message "Please insert your passbook. If you do not have a passbook, please press your PIN", and based on this display, the user inserts the passbook into the passbook insertion slot 3 in step 144. When the passbook is inserted into the CRT 2, the CRT 2 displays the message "Press your password" in step 145, and the user enters the password manually using the numeric keypad 6 in step 146.

In step 147, the 0RT2 displays "Please press the desired amount", and in step 14B, when the user inputs the requested payment amount using the numeric keypad 6, in step 1
49 and 0RT2 [Currently undergoing procedures]
will be displayed.

In step 150, the payment data is edited and sent to the center, and when an OK message is received from the center in step 151, the bookkeeping machine 35 is driven in step 152 to print the payment transaction data on a passbook or statement slip. do.

Then, in step 153, ORT 2 displays "Please take your card, bankbook, or statement slip" and returns to step 1.
At 54, the card is returned to the card insertion slot 5, and the passbook is discharged to the passbook insertion slot 6.

Then, wait for n seconds until the removal of these cards or passbooks is detected by the appropriate detector (steps 155 and 156).
, if it is not removed after n seconds, step 1
57, the object detection device 38 is driven, and the object detector 22.22 detects whether a user (or a car) is present in the user operation position at the front of the deposit dispensing machine 1, that is, the detection area S; When the presence of the user is recognized, the n-second timer is reset and the process returns to step 155 to wait for sampling.

When the removal of these cards or passbooks is detected by an appropriate detector, the 0RT2 displays the message "Please take cash" in step 159, and in step 160 drives the bill ejection machine 51 to collect the billed amount. This amount of cash is dispensed to the cash dispensing port 4. If there is a statement slip, it will be ejected from the passbook insertion slot 3 at the same time.

Then, wait for n seconds until removal of discharged cash is detected by an appropriate detector (steps 161, 162), and if no cash has been removed after n seconds, proceed to step 166, and use the front part of the deposit dispensing machine 1 again. The presence of the user at the user operation position is detected by the object detector 22.22, and when the presence of the user is recognized, the n-second timer is reset, and step 161
Wait for removal to return.

When the withdrawal of cash is detected by an appropriate detector, in step 165, 0RT2 displays "Thank you" to indicate the completion of the process and ends the transaction.

If the presence of the user at the user operation position of the deposit dispensing machine 1 is not recognized in step 157 described above, step 158
If the card is not removed, it is taken into the card insertion slot 5 and collected.

If the bankbook has not been removed, it is taken into the bankbook through the bankbook insertion slot 3 and collected in the collection box 71, and the transaction is completed.

Further, in step 163 described above, if the presence of the user is not recognized at the user operation position of the deposit dispensing machine 1, in step 164, the banknote collecting device 49 is driven to move the tray 51 up to collect the cash. , calls the clerk, switches to the deposit function mode (payment function prohibited), and when a statement slip is released, it is taken into the bankbook through the passbook insertion slot 3, collected into the collection box 71, and the transaction is completed after collection. By switching to the deposit function mode, the transaction processing device can be operated in the deposit function mode without going down.

Therefore, there is no need for a staff member to respond suddenly.

When "Enter passbook" is specified in step 102 (Fig. 8C), 0RT2 displays "Please insert passbook" in step 171, and in step 172 the user selects "insert passbook" based on the above display. When inserted into Party B, this passbook is imported internally. Then, in step 173, 0RT2 displays "Procedures are currently being processed."
! In step 174, the bankbook data is transmitted to the center, and in step 175, when the bookkeeping data is received from the center, in step 176, the bookkeeping machine 35 is driven to print the bookkeeping data on the bankbook.

Then, in step 177, OR'['2 displays "Please take the passbook", and in step 178, the passbook is returned to the passbook insertion slot 5.

Until the removal of the passbook is detected by an appropriate detector,
Wait for n seconds (steps 179, 180), even after n seconds have passed,
If the object has not been removed, the object detection device t38 is driven in step 181, and the object detector 22.22 detects a user (or person) at the user operation position at the front of the deposit dispensing machine 1, that is, the detection area S. Detect the presence of the user, and if the presence of the user is recognized, reset the n second timer and proceed to step 1.
Return to 79 and wait for extraction.

Then, when the removal of the passbook is detected by the appropriate detector, 0UT2 responds "Thank you very much" in step 183.
Displays the completion of processing and ends the transaction.

If the presence of the user at the user operation position of the deposit dispensing machine 1 is not recognized in step 181 described above, step 182
The passbook is taken into the passbook insertion slot 3 and collected in the collection box 71 to complete the transaction.

When "Balance Inquiry" is specified in step 102 (Article 8), 0RT2 is "Please insert card" in step 191.
is displayed, and when the user inserts the card into the card insertion slot 5 based on the display in step 192, in step 193 the 0RT2 displays ``Procedures are now being processed''.

When the card data is transmitted to the center in step 194 and the balance data is received from the center in step 195, the bookkeeping machine 55 is driven in step 196 to print the balance on the statement slip.

In step 197, 0RT2 displays "Please take card and statement slip", and in step 198 returns the card to card insertion slot 5, and returns the statement slip to passbook insertion slot 3.
released into the

Then, wait for n seconds until the removal of the card or statement slip is detected by the appropriate detector (steps 199.2Do, 201).
If it has not been extracted even after n seconds have elapsed, step 202
Drive the object detector 3 days with the object detector 22.22
detects whether a user (or car) is present in the user operation position at the front of the deposit dispensing machine 1, that is, the detection area S,
When the presence of the user is recognized, the n-second timer is reset and the process returns to step 199 to wait for sampling.

When the removal of the card or statement slip is detected by an appropriate detector, in step 207, OR'I'2 displays "Thank you" indicating the completion of the process and ends the transaction.

If the presence of the user is not recognized at the user operation position of the deposit dispensing machine 1 in step 202 described above, step 20
If the card has not been removed in step 3, 204, the card is taken into the interior from the card insertion slot 5 and collected, and steps 205, 20
If the statement slip has not been extracted in step 6, the statement slip is taken into the bank through the passbook insertion slot 3 and collected in the collection box 71, after which the transaction is completed.

(f) Description of another example FIG. 9 shows another example of installing the object detector 22.
is installed to detect the presence of a user (or vehicle) at the above-mentioned user operation position, and in this case, the detector may be of an optical type, an ultrasonic type, a radio wave type, or the like.

FIG. 10 shows yet another installation example of the object detector 22,
An object detector 22 made up of a mud switch is installed on the floor at the user's operating position in the front of the deposit dispensing machine 1, and the object detector 22 is configured to be detected when the user stands at the operating position.

FIG. 11 shows yet another installation example of the object detector 22,
This example is particularly adapted to detecting a user in a car, and detecting the car replaces the detection of the user.

An object detector 22, which is a well-known vehicle detector that generates a magnetic field, is embedded in the road surface in front of the deposit dispensing machine 1. 1. The object detector according to the present invention is not limited to the above-mentioned example, and may have any other configuration as long as it can detect the presence of a user at the user operation position on the front of the deposit payment fs1. It may be.

[Brief explanation of drawings]

The drawings show an embodiment of the present invention, FIG. 1 is a perspective view of an automatic teller machine, FIG. 2 is a block diagram of its internal configuration, and FIGS. 6 and 4 show the detection area of an object detector. An explanatory plan view, FIG. 5 is an enlarged perspective view of the banknote collection device configured in the cash dispensing port, FIG. 6 is a cross-sectional side view thereof, and FIG. 7 is a schematic side view showing the collection mechanism inside the passbook insertion slot. FIG. 8 is a flowchart, and FIGS. 9, 10, and 11 are perspective views showing other installation examples of object detectors. 1.Deposit machine, 22.Object detector. 68...
Object detection device, 43...5-aptySB--detection area 1,! l 9-...Banknote collection device

Claims (1)

[Claims] 16 A user detector for detecting the presence or absence of a user is provided at the user operation position in front of the operation surface of the transaction processing device, and the user detector is installed after a predetermined period of time has elapsed while the transaction processing device continues to emit emissions. A transaction processing device configured to collect emitted materials if the device detects the absence of a user.