CN101639958B - Cash transaction device and transaction method - Google Patents

Cash transaction device and transaction method Download PDF

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Publication number
CN101639958B
CN101639958B CN2009101402453A CN200910140245A CN101639958B CN 101639958 B CN101639958 B CN 101639958B CN 2009101402453 A CN2009101402453 A CN 2009101402453A CN 200910140245 A CN200910140245 A CN 200910140245A CN 101639958 B CN101639958 B CN 101639958B
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coin
mentioned
judged
transaction
situation
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CN101639958A (en
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田边崇
小川源太
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Hitachi Financial Systems Co ltd
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Hitachi Omron Financial System Co Ltd
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/20Controlling or monitoring the operation of devices; Data handling
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/206Software aspects at ATMs
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D2211/00Paper-money handling devices

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Inspection Of Paper Currency And Valuable Securities (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

The cash transaction machine for executing transactions by cash is provided with a feeding part for money, a money reading part for reading the surface of each money fed into the feeding part and acquiring a money image of the money, an approximation determining part for comparing a preset reference image with the acquired money image for each money fed into the feeding part and determining whether a predetermined area in the money image is an approximate area in which the money image is approximate to the reference image in the predetermined area for each predetermined area on the basis of the comparison result, and a storing part for storing a determination result for each predetermined area by the approximation determining part.

Description

Cash transaction device and method of commerce
The application submitted on October 13rd, 2006, and Chinese patent application number is 200610137347.6, and denomination of invention is divided an application for the patented claim of " cash transaction device and method of commerce ".
Technical field
The present invention relates to make the cash transaction device of transaction in cash.
Background technology
In ticket machine of the various cash transaction devices that can make transaction in cash, for example cash ATM (Automatic Teller Machine) (ATM:Automatic Teller Machine), monthly ticket etc., generally except the coin that drops into is carried out the judgement of Currency Type, also discern the false from the genuine or damaged situation, for judging whether this coin can be used in the coin of transaction (below be called " coin of can concluding the business ") (below be called " coin judgement ").
As carrying out the transaction system that this coin is judged, can list at the cash automated trading device of TOHKEMY 2003-281603 communique record and the bank note class transaction system of putting down in writing at TOHKEMY 2004-157624 communique.
In carrying out the cash transaction device that coin as described above judges just like lower device: will read the surface of input coin and the benchmark image of the image that obtains and storage in advance compares and carries out coin and judge.In this cash transaction device, input coin is transported to the predetermined position of reading on the surface that is used to read coin, reads the surface under this predetermined prerequisite that reads position configuration.
Here, input sometimes coin is configured in from the predetermined position that depart from a little the position of reading because of the inhomogeneous of conveying of the coin in installing.At this moment, cash transaction device is because the surface that can not accurately read input coin, so might the genuine coin that breakage is less be judged as the coin that can not conclude the business or counterfeit money be judged as the coin that can conclude the business.
Therefore, there is following situation: for example once many counterfeit moneys are put among the ATM with the manufacturing of counterfeit money and circulation relative (below be called " counterfeit money relative "), expect that the part in these counterfeit moneys is judged as the coin that can conclude the business mistakenly, attempt to the credit transaction of the account of counterfeit money relative or to the money transfer transactions of conspirator's account.
In the case, suppose that then corresponding with this counterfeit money amount of money is deposited in the account of counterfeit money relative or in the conspirator's that transfers accounts the account if the counterfeit money that drops into is judged as the coin that can conclude the business.
Summary of the invention
The present invention makes at least a portion that solves above-mentioned problem, even purpose provides the technology that also can suppress to carry out the transaction of using counterfeit money under a kind of situation that has obtained wrong judged result in coin is judged.
In order to solve at least a portion of above-mentioned problem, cash transaction device of the present invention is used to utilize cash to carry out transaction, it is characterized in that this cash transaction device possesses: the throw-in part of coin; The coin reading part is put into the surface that the coin of above-mentioned throw-in part reads this coin to each, obtains the coin image of this coin; Approximation judging part, each is put into the coin of above-mentioned throw-in part, predefined benchmark image and the above-mentioned coin image of obtaining are compared, and, according to this comparative result, to each presumptive area of above-mentioned coin image, judge whether this presumptive area is at above-mentioned coin image of this presumptive area and the akin approximate region of said reference image; Storage part, storage is by the judged result of above-mentioned each presumptive area of above-mentioned approximation judging part judgement; Add up to the number calculating part; Add up to the number judging part; And predetermined process execution portion, carry out the predetermined processing relevant with transaction; For at least 1 Currency Type in the Currency Type of the coin of putting into above-mentioned throw-in part for 1 transaction, above-mentioned total number calculating part calculates the total number that is judged as the coin that is not above-mentioned approximate region according to the above-mentioned judged result that is stored in above-mentioned storage part by above-mentioned each presumptive area; Wantonly at least 1 adds up to whether number is more than the number of being scheduled in the total number that above-mentioned total number judgement section judges aforementioned calculation goes out; In above-mentioned total number judgement section judges is to be under the situation more than the number of being scheduled to, above-mentioned predetermined process execution portion carry out transaction stop to handle.
Like this, in cash transaction device of the present invention, the judged result of each presumptive area of being judged by approximation judging part is stored in storage part, so, according to this judged result, each presumptive area calculate be judged as this presumptive area be not approximate region coin the total number and to be judged as this presumptive area be not that the total number of coin of approximate region is with respect to the ratio of the total number of coin and the number of the coin when being judged as this presumptive area continuously and being not approximate region.
Thereby, as described later, if carry out the processing that stops of concluding the business according to number that calculates like this and ratio, even then approximation judging part obtains wrong comparative result and will not be that the presumptive area mistake of approximate region is judged as originally is under the situation of approximate region in the comparison of benchmark image and coin image, the also execution that can suppress to conclude the business.
By making such structure, because adding up to the number judgement section judges is to be under the situation more than the number of being scheduled to, predetermined process execution portion carries out the processing that stops of transaction, so, even approximation judging part obtains wrong comparative result and will not be that the presumptive area mistake of approximate region is judged as originally is under the situation of approximate region in the comparison of benchmark image and coin image, the also execution that can suppress to conclude the business.This is based on following reason.
When making counterfeit money, it is more to make a plurality of situations simultaneously, and the result has made a plurality of counterfeit moneys with same characteristic features.And, because the counterfeit money of a plurality of such manufacturings is put into cash transaction device, so, putting in the coin of throw-in part in order to conclude the business for 1 time, exist a plurality of certain specific presumptive area to be judged as the coin that is not approximate region.
And, in the case, suppose to exist that will this specific presumptive area to be judged as be the coin of approximate region, owing to obtain wrong comparative result in the comparison of benchmark image and coin image, it is that the possibility of approximate region is higher that estimation is judged as by mistake.So, by making said structure, be to be under the situation more than the total number of being scheduled to adding up to the number judgement section judges, predetermined process execution portion carry out transaction stop to handle, so in approximation judging part the presumptive area mistake being judged as is under the situation of approximate region, the execution that can suppress to conclude the business.
Above-mentioned cash transaction device also can also possess: add up to the number calculating part; The ratio calculating part; The ratio judging part; Predetermined process execution portion carries out the predetermined processing relevant with transaction; For at least 1 Currency Type in the Currency Type of the coin of putting into above-mentioned throw-in part for the transaction of carrying out 1 time, above-mentioned total number calculating part calculates the total number that is judged as the coin that is not above-mentioned approximate region according to the above-mentioned judged result that is stored in above-mentioned storage part to above-mentioned each presumptive area; The aforementioned proportion calculating part calculates total number that aforementioned calculation the goes out ratio with respect to the total number of the coin of this Currency Type to above-mentioned each presumptive area; Whether wantonly at least 1 ratio in the ratio that aforementioned proportion judgement section judges aforementioned calculation goes out is more than the ratio of being scheduled to; In the aforementioned proportion judgement section judges is to be under the situation more than the above-mentioned predetermined ratio, above-mentioned predetermined process execution portion carry out transaction stop to handle.
By making such structure, in the ratio judgement section judges is to be under the situation more than the ratio of being scheduled to, predetermined process execution portion carries out the processing that stops of transaction, so, approximation judging part obtains wrong comparative result and will not be that the presumptive area mistake of approximate region is judged as originally is under the situation of approximate region in the comparison of benchmark image and coin image, the execution that can suppress to conclude the business.This is based on following reason.
When making counterfeit money, it is more to make a plurality of situations simultaneously, and the result has made a plurality of counterfeit moneys with identical feature.And, because the counterfeit money of a plurality of such manufacturings is put into cash transaction device, so, putting in the coin of throw-in part in order to conclude the business for 1 time, exist a plurality of certain specific presumptive area to be judged as the coin that is not approximate region.As a result, the total number that is judged as the coin that is not approximate region for this specific presumptive area becomes higher value with respect to the ratio of the total number of input coin.
And, in the case, be to be the coin of approximate region even exist with this specific region decision, owing to obtained wrong comparative result in the comparison of benchmark image and coin image, estimation misses and is judged as is that the possibility of approximate region is higher.So, by making said structure, be to be under the situation more than the ratio of being scheduled in the ratio judgement section judges, predetermined process execution portion carries out the processing that stops of transaction, so in approximation judging part the presumptive area mistake being judged as is under the situation of approximate region, the execution that can suppress to conclude the business.
Above-mentioned cash transaction device can also possess: the consecutive numbers judging part; Predetermined process execution portion carries out the predetermined processing relevant with transaction; For at least 1 Currency Type in the Currency Type of the coin of putting into above-mentioned throw-in part in order to carry out 1 transaction, above-mentioned storage part is in storage during above-mentioned judged result, the storage that is mapped of the order information of order judgement, that represent this Currency Type that will be undertaken by above-mentioned approximation judging part and above-mentioned judged result; According to above-mentioned judged result that is stored in above-mentioned storage part and said sequence information, whether above-mentioned consecutive numbers judging part is judged and is not judged more than the pre-determined number continuously by above-mentioned approximation judging part when this zone is not above-mentioned approximate region wantonly at least 1 zone in the above-mentioned presumptive area; Above-mentioned consecutive numbers judgement section judges for the situation of having been undertaken by above-mentioned approximation judging part judging under, above-mentioned predetermined process execution portion carry out transaction stop to handle.
By making such structure, to at least 1 zone in the presumptive area, by being judged as continuously more than the approximation judging part pre-determined number under the situation that this zone is not an approximate region, predetermined process execution portion carries out the processing that stops of transaction, so, approximation judging part obtains wrong comparative result and will not be that the presumptive area of approximate region is judged as originally is under the situation of approximate region in the comparison of benchmark image and coin image, the execution that can suppress to conclude the business.This is based on following reason.
When making counterfeit money, it is more to make a plurality of situations simultaneously, and the result has made a plurality of counterfeit moneys with same characteristic features.And, because the counterfeit money of a plurality of such manufacturings is put into cash transaction device,, exist a plurality of certain specific presumptive area to be judged as the coin that is not approximate region so putting in the coin of throw-in part for 1 transaction.As a result, for this specific presumptive area, uprise by being judged as the possibility that is not approximate region more than the approximation judging part pre-determined number continuously.
And, in the case, suppose to exist that will this specific presumptive area to be judged as be the coin of approximate region, owing to obtained wrong comparative result in the comparison of benchmark image and coin image, estimation misses and is judged as is that the possibility of approximate region is higher.So, by making said structure, at the consecutive numbers judging part be to wantonly at least 1 region decision in the presumptive area, by being judged as continuously more than the approximation judging part pre-determined number under the situation that this zone is not an approximate region, predetermined process execution portion carries out the processing that stops of transaction, so in approximation judging part the presumptive area mistake being judged as is under the situation of approximate region, the execution that can suppress to conclude the business.
In above-mentioned cash transaction device, also can be that above-mentioned predetermined process execution portion is under the situation that stops to handle of carrying out above-mentioned transaction, with wantonly at least 1 coin in the above-mentioned coin that is dropped into is object, said reference image and the above-mentioned coin image of obtaining are compared again, and, according to the above-mentioned result who compares again, be the zone of above-mentioned approximate region at least for being judged as in the above-mentioned presumptive area by above-mentioned approximation judging part, judge whether it is above-mentioned approximate region again; The result of above-mentioned judgment processing again, for wantonly at least 1 coin in the coin that becomes the above-mentioned object that compares again, at least wantonly 1 zone is judged as under the situation that is not above-mentioned approximate region in becoming the above-mentioned zone of judging object again, above-mentioned predetermined process execution portion can carry out above-mentioned transaction stop to handle.
By making such structure, because predetermined process execution portion handles having carried out relatively reaching stopping of having concluded the business after judging again again, so to certain presumptive area, estimating owing to obtained wrong comparative result to be judged as by approximation judging part is under the higher situation of the possibility of approximate region, the execution that can suppress to conclude the business.As a result, the execution in that approximation judging part judges rightly and concludes the business under the possibility condition with higher of approximate region for being although can suppress to have dropped into the situation that genuine coin can not be carried out transaction, reduces so can suppress the convenience of cash transaction device.
In above-mentioned cash transaction device, be preferably, above-mentioned approximation judging part is utilized at least a portion data in the benchmark image data of representing the said reference image and is represented that at least a portion data in the coin view data of above-mentioned coin image compare under the situation of said reference image relatively and above-mentioned coin image; Carrying out under the above-mentioned situation about comparing again, the data more data that above-mentioned predetermined process execution portion utilizes data more data that the above-mentioned approximation judging part of the ratio in the said reference view data uses and the above-mentioned approximation judging part of the ratio in the above-mentioned coin view data to use carries out above-mentionedly comparing again.
By making such structure,, can access more accurate comparative result so compare with approximation judging part because predetermined process execution portion utilizes more data to carry out the comparison of benchmark image and coin image.Thereby, be under the situation of approximate region even the presumptive area mistake is judged as in approximation judging part, the also execution that can suppress to conclude the business.
In above-mentioned cash transaction device, also can be above-mentioned predetermined process execution portion under the situation that stops to handle of carrying out above-mentioned transaction, carry out predefined inappropriate transaction countermeasure in the lump and handle.
By making such structure, handle as inappropriate transaction countermeasure, for example can " can not conclude the business by in cash transaction device, showing.I'm sorry, please seek advice to window." the guide that stops of transaction or processing in order to circulate a notice of to make processing that warning horn pipes or the warning light that monitoring arrangement possessed that makes cash transaction device to light to the staff, realize suppressing the transaction that the counterfeit money relative uses counterfeit money.
Above-mentioned cash transaction device also can be the cash ATM (Automatic Teller Machine).
By like this, at the counterfeit money relative a plurality of counterfeit moneys are put in the cash ATM (Automatic Teller Machine), expectation originally was not that the presumptive area of approximate region is judged as by mistake is that approximate region and a part in these counterfeit moneys are used as genuine coin and handle, attempt to the account of counterfeit money relative credit transaction, and under the situation of the money transfer transactions of conspirator's account, stopping of can concluding the business handled, so can suppress to have used the execution of the transaction of this counterfeit money.
In addition, the present invention is not limited to the form of the device invention of above-mentioned cash transaction device, and the method that also can be used as method of commerce is invented and realized.
Description of drawings
Fig. 1 is the key diagram of expression as the ATM of one embodiment of the invention.
Fig. 2 is the key diagram of expression by the bank note of counterfeit money relative input.
Fig. 3 is the process flow diagram that is illustrated in the order of the credit transaction processing of carrying out among the ATM100.
Fig. 4 is the key diagram that is illustrated in the zone of dividing in the image of coin.
Fig. 5 is that expression is judged the Currency Type of each bank note shown in Figure 2 and the result's that coin is judged key diagram.
Fig. 6 is illustrated in the key diagram that is stored in the judged result of storage part 114 under the situation that has obtained Currency Type judged result shown in Figure 5 and coin judged result.
Embodiment
Be used to implement preferred embodiment of the present invention according to embodiment according to following order explanation below.
A. embodiment:
The summary structure of A1.ATM:
A2. credit transaction is handled:
A3. the effect of embodiment:
B. variation:
A. embodiment:
The summary structure of A1.ATM:
Fig. 1 is the key diagram of expression as the ATM of one embodiment of the invention.ATM100 shown in Figure 1 is the ATM of financial institution's management, is connected with the principal computer of being managed by financial institution equally 200 via network N W such as industrial sidings.
ATM100 mainly possesses Department of Communication Force 102, display part 104, coin throw-in part 106, coin delivery section 108, coin reading part 110, coin judging part 112, storage part 114, card/bankbook handling part 116, master control part 150.In addition, for judging part again 130 explanation in the back that is illustrated by the broken lines.
Among them, Department of Communication Force 102 execution are communicated by letter with principal computer 200.Display part 104 has touch panel, and the user is shown the guide of transaction or accepts the appointment of the type of transaction from the user (deposit and transfer accounts etc.) and the amount of money.Coin throw-in part 106 is the coin that limit is accepted input with 99.Coin delivery section 108 is carried the coin of putting in the coin throw-in part 106 in the housing of ATM100.Card/bankbook handling part 116 reads account number etc. or carries out the bankbook book keeping operation from the cash card that inserts or bankbook.Master control part 150 is planned as a whole each function portion of control.
Under original state, store view data about the benchmark image of each Currency Type at storage part 114.
Coin reading part 110 reads the surface for each coin that drops into and obtains view data, stores storage part 114 into.
And, coin judging part 112 reads the view data of above-mentioned benchmark image and the view data that is obtained by coin reading part 110 from storage part 114, according to these view data, each coin that drops into is judged Currency Type, and discern the false from the genuine or whether damaged situation is that can the conclude the business coin of coin is judged.
In the ATM100 of this structure, cooperate with principal computer 200, according to the coin that the user drops into, the transaction of carrying out deposit and transferring accounts.
Particularly, if carrying out the result that Currency Type is judged and coin is judged, the coin of 112 pairs of inputs of coin judging part judges that all coins are the coins of can concluding the business, then master control part 150 will comprise the account number that card/bankbook handling part 116 reads from cash card or bankbook and the type of transaction of the operation appointment by display part 104 and the transaction of the amount of money and carry out request, send to principal computer 200 via Department of Communication Force 102.
On the other hand, principal computer 200 possesses the account information database 210 of management account number of each account and remaining sum and manages the transaction history data storehouse 220 of the trade date time, type of transaction, dealing money etc. of each account.And,, carry out request renewal account information database 210 according to this transaction and carry out transaction when principal computer 200 receives above-mentioned transaction when carrying out request from ATM100.
In addition, the execution result that principal computer 200 will be concluded the business is recorded in transaction history data storehouse 220, and the execution result and the information such as remaining sum of transaction is sent to ATM100.
In addition, in ATM100, when master control part 150 via Department of Communication Force 102 when principal computer 200 receives information such as the execution result of transaction and remaining sum, then according to this information that receives, the execution result and the remaining sum of transaction are presented at display part 104, and make card/bankbook handling part 116 carry out the bankbook book keeping operation.
As mentioned above, in ATM100, carrying out the result that Currency Type is judged and coin is judged at coin judging part 112, is can conclude the business under the situation of coin at the coin that is judged as input, carries out transaction according to this coin.
Here, in above-mentioned coin was judged, coin judging part 112 was done the judged result that makes mistake sometimes.
This is to result from inhomogeneous that the coin of coin delivery section 108 carries, and the coin of input departs from configuration a little from the precalculated position that is used to read the surface, and coin reading part 110 can not read the surface of coin exactly.Therefore, coin judging part 112 carries out coin according to the view data that is not read exactly to be judged, is the situation of coin of can concluding the business so may take place that the genuine coin mistake that breakage is less is judged as the situation of the coin that is not to conclude the business or the counterfeit money mistake is judged as.
And, coin judging part 112 with counterfeit money erroneous judgement disconnected work can conclude the business under the situation of coin, as mentioned above, can carry out transaction according to this coin (counterfeit money).So the counterfeit money relative will consider once many counterfeit moneys is put among the ATM100, expect that it is the coin of can concluding the business that a part in these counterfeit moneys is judged as by mistake, attempt to the credit transaction of the account of counterfeit money relative or to the money transfer transactions of conspirator's account.
In ATM100, can suppress the execution of such transaction that utilizes counterfeit money.For the execution that suppresses this transaction, lifting credit transaction is that example describes.
A2, credit transaction are handled:
As the prerequisite of the credit transaction of counterfeit money relative, the counterfeit money relative is inserted into cash card and bankbook among the ATM100 shown in Figure 1, and operation display part 104, has specified the credit transaction to the account of oneself.And the counterfeit money relative will include a plurality of coins of a part of counterfeit money to be put in the coin throw-in part 106, and operation display part 104, and the Amount in Total of all coins of dropping into is appointed as amount deposited.
In addition, for convenience of explanation, suppose that the input coin of counterfeit money relative all is a bank note, suppose that these all bank note are piled up once input.
Fig. 2 is the key diagram of expression by the bank note of counterfeit money relative input.As shown in Figure 2, in the bank note of overlapping input, the 1st and the 6th~8 is 1,000 Japanese yen in notes, and the 2nd~5 and the 9th~10 is 10,000 Japanese yen in notes.In these bank note, the 3rd~6 and the 9th~10 is counterfeit money.
Under above prerequisite,, then in ATM100, carry out credit transaction and handle if specified amount deposited by the counterfeit money relative.
Fig. 3 is the process flow diagram that is illustrated in the order of the credit transaction processing of carrying out among the ATM100.
When credit transaction shown in Figure 3 is handled beginning, coin delivery section 108 shown in Figure 1 is transported to coin reading part 110 (step S302) with the coin that drops into, coin reading part 110 reads the surface respectively for each coin that is transferred and obtains view data, stores storage part 114 (step S304) into.
Then, coin judging part 112 reads each view data that obtained by coin reading part 110 and the view data of benchmark image from storage part 114, according to these view data each coin that drops into is carried out Currency Type judgement and coin judgement, store judged result into storage part 114 (step S306).
In this Currency Type was judged, coin judging part 112 was for each coin that drops into, the image of the benchmark image of each Currency Type and this coin relatively, and the Currency Type that benchmark image like is recently represented is judged as the Currency Type of this coin.
In addition, in coin was judged, coin judging part 112 carried out following processing.At first, for each coin that drops into, according to the view data of the benchmark image of the Currency Type of judging and the view data of this coin, for the grade point (Bands Tone value in the view data of this coin every each pixel of 4), calculate residual quantity with the grade point of the pixel of the same position of the view data of benchmark image.Then, the residual quantity that for these each pixels every 4, differentiation is pixel (approximate pixel) in predetermined scope of the residual quantity that calculates, still calculate is the pixel (difference pixel) in predetermined scope not.Then, coin judging part 112 is a predetermined zone with the image division of this coin, to each should zone calculated difference pixel total number, and judge it is the zone (approximate region) that the total number of the difference pixel that calculates is the above zone (difference zone) of predetermined number, the total number of the difference pixel that still calculates lacks than predetermined number.And, in that wantonly 1 region decision is to be under the situation in difference zone to the major general, this coin is judged as the coin that is not to conclude the business (below be called " refusal "), and is being to be under the situation of approximate region with all region decision, being judged as is the coin of can concluding the business.
Fig. 4 is the key diagram that is illustrated in the zone of dividing in the image of coin.
As shown in Figure 4, the image of coin is divided into 6 zones of regional A~regional F.And coin judging part 112 is for each region decision approximate region/difference zone of regional A~regional F, and refusing or be judged as for each coin is the coin of can concluding the business.
Fig. 5 is that expression is judged the Currency Type of each bank note shown in Figure 2 and the result's that coin is judged key diagram.
In Fig. 5, the Currency Type that is documented in the left side of bank note is represented the result that Currency Type is judged, band in bank note * region representation difference zone, the result that coin is judged is represented on the right side of bank note.In addition, in the coin judged result, the order (for example " the 3rd 10,000 Japanese yen in notes " of the 4th bank note) of record is represented the order of this Currency Type in " refusal ", rather than is illustrated in the order (being the 4th in the case) in the bank note integral body of input.
As shown in Figure 5, the Currency Type of judging by Currency Type is identical with Currency Type shown in Figure 2, and coin judging part 112 has correctly carried out the Currency Type judgement.
On the other hand, judge that coin judging part 112 is that refuse in the difference zone with i.e. the 6th the bank note of the counterfeit money of 1,000 Japanese yen in notes with the zone C for coin.In addition, in the counterfeit money of 10,000 Japanese yen in notes, for the 4th, 5,9 bank note with regional A as the difference zone, region D is refused as difference zone for the 10th bank note.But coin judging part 112 is for the 3rd bank note in the counterfeit money of 10,000 Japanese yen in notes, though be counterfeit money but be judged as the coin of can concluding the business.
Fig. 6 is illustrated in the key diagram that is stored in the judged result in the storage part 114 under the situation that has obtained Currency Type judged result shown in Figure 5 and coin judged result.
As shown in Figure 6, as judged result,, will add up to the information stores in number, rejection number, relevant difference zone at storage part 114 to each Currency Type.Among them, add up to number to represent to be judged as the total number of the coin that is this Currency Type, rejection number is represented the total number of the unaccepted coin in each Currency Type.And, the details of the information representation rejection number in relevant difference zone, represent which zone is judged as being difference zone and is rejected, and total number (A_Cnt by unaccepted coin, B_Cnt, F_Cnt) and the order in its Currency Type of unaccepted each coin (A_No, B_No ... F_No) constitute.
Particularly, for example for 10,000 Japanese yen in notes, as shown in Figure 5, regional A is judged as being the difference zone and unaccepted 10,000 Japanese yen in notes are the 4th, 5,9 bank note, and the order of these bank note in the Currency Type of 10,000 Japanese yen in notes as shown in Figure 5, is respectively 3,4,5.So, as shown in Figure 6, store " 3,4,5 " as " A_No " in 10,000 Japanese yen in notes, and the total number " 3 " of these bank note is stored as " A_Cnt ".
Equally, region D is judged as being difference zone and unaccepted 10,000 Japanese yen in notes are the 10th bank note, and the order in the Currency Type of 10,000 Japanese yen in notes of this bank note is the 6th, so, store " 6 " respectively as " D_No ", store " 1 " as " D_Cnt ".
In addition, zone C is judged as difference zone and unaccepted 1,000 Japanese yen in notes are the 6th bank note, and the order of this bank note in the Currency Type of 1,000 Japanese yen in notes is the 2nd, so, store " 2 " respectively as " C_No ", store " 1 " as " C_Cnt ".
Get back to Fig. 3, master control part 150 reads judged result from storage part 114, and whether according to this judged result, judging has unaccepted coin (step S308) in certain Currency Type.
As described above, be stored in judged result shown in Figure 6 under the situation of storage part 114, master control part 150 is judged as in 10,000 Japanese yen in notes and 1,000 Japanese yen in notes unaccepted coin.
Then, in the case, master control part 150 judges whether to satisfy wantonly at least 1 condition (step S310) in following 3 conditions again according to the judged result that is read.
1) for any zone of any Currency Type, this zone is judged as being the difference zone and the total number of unaccepted coin is more than 20% with respect to the ratio of the total number of this Currency Type (below be called " reject rate ").
2) for any zone of any Currency Type, this zone is judged as the difference zone and the number of unaccepted coin (below be called " rejection number ") is more than 10.
3) for any zone of any Currency Type, this zone is judged as the difference zone and the number of continuous unaccepted coin (below be called " rejection number continuously ") is more than 3.
As the prerequisite that meets these conditions, estimated following situation about the manufacturing of counterfeit money.That is, when making counterfeit money, it is more to make a plurality of situations simultaneously, in the case, can make a plurality of counterfeit moneys with same characteristic features for certain Currency Type.In addition, because the counterfeit money of a plurality of such manufacturings is put into ATM100, so, be to be that the regional possibility of refusing a plurality of coins of difference is higher with identical region decision for certain Currency Type.
Thereby, in the coin that drops into,, higher if reject rate for more than the predetermined ratio, then estimates to include the possibility of counterfeit money in not having unaccepted coin (being judged as the coin of the coin of can concluding the business) for any zone of any Currency Type.Therefore, by meeting above-mentioned 1) condition (condition of relevant reject rate), judge whether the possibility that includes counterfeit money in being judged as the coin of can concluding the business higher.
In addition, the situation that has for example dropped into 99 coins that comprise 10 counterfeit moneys is such, lower at the more reject rate of number because of the coin that drops into, even but under the more such situation of the absolute number of counterfeit money, the possibility of estimating to include counterfeit money in the coin that is judged as the coin of can concluding the business is also higher.Therefore, by meeting above-mentioned 2) condition (condition of relevant rejection number), judge whether the possibility that includes counterfeit money in being judged as the coin of can concluding the business higher.
And then, even under and the situation that rejection number is less lower, be difference zone and under the unaccepted situation, also estimate it is to attempt carrying out the transaction of counterfeit money to a certain extent continuously with identical region decision by the counterfeit money relative at reject rate.Therefore, by meeting above-mentioned 3) condition (the relevant condition of rejection number continuously), judge whether the possibility that includes counterfeit money in being judged as the coin of can concluding the business higher.
In addition, each numerical value of " 10 " of the condition of " 20% " of the condition of above-mentioned relevant reject rate, above-mentioned relevant rejection number, above-mentioned relevant " 3 " of the condition of rejection number continuously and ratio be in advance rule of thumb rule etc. set.
And, as mentioned above, under the situation that has obtained judged result shown in Figure 6, if consider the condition of relevant above-mentioned reject rate, then because the input number of 10,000 Japanese yen in notes is to add up to 6, thus each regional reject rate of 10,000 Japanese yen in notes is 50% in regional A (in 6 3), be about 17% (in 6 1) in region D, in other zones, be 0%.In addition, because the input number of 1,000 Japanese yen in notes is to add up to 4, so each regional reject rate of 1,000 Japanese yen in notes is 25% in zone C (in 4 1), be 0% in other zones.Thereby for the zone C of the regional A and 1,000 Japanese yen in notes of 10,000 Japanese yen in notes, reject rate is more than 20%, satisfies the condition of relevant reject rate.
Then, if consider the condition of relevant rejection number, then as shown in Figure 6, each the regional rejection number in 10,000 Japanese yen in notes is 3 in regional A, is 1 in region D, so all lack than 10.In addition, each the regional rejection number in 1,000 Japanese yen in notes is 1 in zone C, lack than 10, thereby, do not satisfy the condition of relevant rejection number.
Then, if consider the relevant condition of rejection number continuously, then as shown in Figure 6, for 1,000 Japanese yen in notes, rejection number is 1 continuously in zone C.And for 10,000 Japanese yen in notes, in regional A, the 3rd, 4,53 are rejected continuously.Thereby, satisfy the relevant condition of rejection number continuously.
Like this, under the situation of at least 1 condition in having satisfied above-mentioned 3 conditions, master control part 150 shown in Figure 1 is concluded the business and is stopped to handle (step S312).As mentioned above, this is because in this case, is that can the conclude the business possibility that includes counterfeit money in the coin of coin is higher being judged as.
In this transaction stopped to handle, all coins that master control part 150 will drop into were returned to the user via coin throw-in part 106, and cash card and bankbook are returned to the user via card/bankbook handling part 116.And then in this transaction stopped to handle, master control part 150 was notified to principal computer 200 via Department of Communication Force 102 with the judged result and the account number of coin judging part 112.In addition, in principal computer 200,, record transaction history data storehouse 220 with the transactions history of notified judged result as the account shown in the notified account number.
Then, master control part 150 is carried out inappropriate transaction countermeasure processing (step S314).In this inappropriate countermeasure was handled, master control part 150 will " can not be concluded the business.Sorry, please seek advice to window " the guide display that stops of transaction at display part 104.In addition, handle, also the processing that can light for the lamp of the monitoring arrangement (not shown) circulating a notice of to make processing that not shown alarm pipes or the staff is monitored etc. to the staff of financial institution as inappropriate transaction countermeasure.
As mentioned above, in the coin of coin judging part 112 is judged, obtained under the situation of judged result shown in Figure 5, in the processing of step S310, be judged as and satisfy wantonly at least 1 condition in above-mentioned 3 conditions and shut the book.Thereby, for the 3rd bank note that drops into, though, also suppressed the execution of transaction being counterfeit money and being judged as under the situation of the coin of can concluding the business.
On the other hand, master control part 150 is judged as in the processing of step S310 under the situation that does not satisfy any condition in above-mentioned 3 conditions, unaccepted coin is returned to the user via coin throw-in part 106, and display reminding carries out the guide (step S316) of dropping into again of coin on display part 104.
Then, if coin is put into coin throw-in part 106 again, then 112 pairs of coins that drop into again of coin judging part carry out above-mentioned Currency Type judgement and coin judgement (step S318), the result that this coin is judged, and master control part 150 has judged whether unaccepted coin (step S320).
Have in the processing of step S320 under the situation of unaccepted coin, master control part 150 is carried out the processing (transaction stops to handle) of above-mentioned step S312 and the processing (inappropriate transaction countermeasure is handled) of step S314.This is because the possibility of counterfeit money relative overlapping investment counterfeit money is higher, so do not carry out transaction.
On the other hand, in the processing of step S320, be judged as under the situation that does not have unaccepted coin, master control part 150 sends to principal computer 200 (step S322) via the transaction execution request that Department of Communication Force 102 will include account number, amount deposited, type of transaction.
Then, when master control part 150 receives information such as the execution result of transaction and remaining sum via Department of Communication Force 102 from principal computer 200, then show the execution result and the remaining sum of transaction, and make card/bankbook handling part 116 carry out bankbook book keeping operation (step S324) at display part 104.In addition, master control part 150 has under the situation of difference in the Amount in Total of the coin that drops into and the amount deposited of appointment, via coin throw-in part 106 coin of difference amount is returned to the user.
In addition, in the processing of above-mentioned step S308, be judged as under the situation that does not have unaccepted coin, carry out the processing of above-mentioned step S322 and step S324.
The effect of A3, embodiment:
As described above, in ATM100, as the result that Currency Type is judged and coin is judged, for each Currency Type, except adding up to number and refusal number, also as the information in relevant difference zone and respectively will the total number of unaccepted each coin, the sequential storage of unaccepted each coin in this Currency Type arrive storage part 114.
Thereby master control part 150 is according to the judged result that is stored in this storage part 114, can judge whether to satisfy wantonly at least 1 condition in 3 conditions of the condition of the condition of relevant reject rate, relevant rejection number, the relevant condition of rejection number continuously.
In addition, in ATM100, make following structure: under being judged as the situation that satisfies wantonly at least 1 condition in above-mentioned 3 conditions, not carrying out transaction and conclude the business and stop to handle.Here, when making counterfeit money, it is more to make a plurality of situations simultaneously, and the result has made a plurality of counterfeit moneys with same feature for certain Currency Type.And, because like this a plurality of counterfeit moneys of making are put to ATM100, so in the coin of coin judging part 112 was judged, for certain Currency Type, it is higher that identical region decision is that the possibility of a plurality of coins is refused in the difference zone.Thereby, under the reject rate condition with higher, estimate that being judged as by coin judging part 112 be that can the conclude the business possibility that includes counterfeit money in the coin of coin is also higher.
So by making above-mentioned structure, concluding the business under the situation of the condition that satisfies " reject rate is more than 20% " stops to handle, so even obtained under the situation of wrong judged result the also execution that can suppress to conclude the business in coin is judged.
In addition, the height of reject rate no matter, under the more situation of the absolute number of the counterfeit money that comprises in the coin that drops into, the possibility of estimating to include counterfeit money in the coin that is judged as the coin of can concluding the business is also higher.So by making above-mentioned structure, concluding the business under the situation of the condition that satisfies " rejection number is more than 10 " stops to handle, so even obtaining under the situation of wrong judged result the also execution that can suppress to conclude the business by the coin judgement.
In addition, even under and the situation that rejection number is less lower at reject rate, to a certain degree continuously with identical zone when wanting thereby being rejected, also estimate it is to attempt carrying out the transaction of counterfeit money by the counterfeit money relative.So, by making above-mentioned structure, under the situation of the condition that satisfies " rejection number is more than 3 continuously ", stop to handle owing to carried out transaction, even so obtaining under the situation of wrong judged result the also execution that can suppress to conclude the business by the coin judgement.
In addition, in ATM100, under the situation of any that does not satisfy above-mentioned 3 conditions, only return unaccepted coin.And then, for example dropped under the situation of bank note of a plurality of (more than 6) of the bank note that only includes 1 badly broken the user of good will, only the bank note of this badly broken is returned, and all bank note that will not drop into are returned and make to conclude the business and stop.Thereby, can not damage well-meaning user's convenience terrifically.
B, variation:
In addition, the present invention is not limited to the above embodiments and embodiment, can implement in various embodiments in the scope that does not break away from its purport, for example can also do following such distortion.
B1, variation 1:
In the above-described embodiment, be judged as in the processing of above-mentioned step S310 under the situation that satisfies wantonly at least 1 condition, master control part 150 is carried out transaction and is stopped to handle (step S312), but the present invention is not limited to this.Also can be judged as in the processing of above-mentioned steps S310 under the situation that satisfies wantonly at least 1 condition, at first the coin that drops into be carried out coin once more and judge, the result who judges according to this coin that carries out once more concludes the business and stops to handle.
Particularly, as shown in Figure 1, ATM100 is made the structure that possesses again judging part 130, in the processing of step S310, be judged as under the situation that satisfies wantonly 1 condition, this again judging part 130 read the view data of benchmark image and the view data that obtains by coin reading part 110 from storage part 114, carry out judging same judgement according to these view data with the coin of above-mentioned coin judging part 112.
But, judge in (step S306) at the coin of above-mentioned coin judging part 112, be the calculating that object carries out the residual quantity of grade point with pixel, but during the coin of judging part 130 is judged again, be that object carries out with all pixels at this every 4.In addition, in the coin of coin judging part 112 is judged, all regional A~regional F is carried out the calculating of the residual quantity of grade point, and in the coin of judging part 130 is judged again, only the zone that is judged as the difference zone in the coin of coin judging part 112 is judged is carried out.
And master control part 150 judges whether the result that the coin once more of judging part 130 is judged has unaccepted coin in any Currency Type again.And, be judged as under the situation of unaccepted coin, for other coins except this unaccepted coin, not that can the conclude the business possibility of coin is also higher, above-mentioned transaction stops to handle and inappropriate transaction countermeasure is handled just passable so master control part 150 is as long as carry out.
By making such structure, judging part 130 is the residual quantity of calculation and object grade point by comparing with more pixel with coin judging part 112 again, can carry out coin according to more information and judge.As a result, in the coin that is judged as the coin of to conclude the business by coin judging part 112, include under the situation of counterfeit money, can improve the possibility of this counterfeit money of refusal.On the other hand, in the coin of coin judging part 112 is judged, be the situation that genuine coin also is judged as counterfeit money although also have.In this case, also can improve the possibility that will this genuine coin be judged as the coin of to conclude the business.
In addition, because judging part 130 only carries out the comparison of grade point to the zone that is judged as the difference zone in the coin of coin judging part 112 is judged again, so be that the situation that object carries out the comparison of grade point is compared with all zones, can carry out coin at high speed and judge.
In addition, also can be before the coin of judging part 130 be judged again at this, to each coin that drops into, again obtain view data by coin reading part 110, judging part 130 utilizes this view data that obtains again again, is substituted in the view data that is stored in storage part 114 in the processing of above-mentioned step S304 and carries out coin and judge.
In addition, like this, when obtaining view data once more, the transporting velocity of coin that also can be when coin reading part 110 is read coin is made as the slow speed of transporting velocity when reading coin at first, obtains more images data (more high-resolution view data).
In addition, the coin of judging part 130 judges can be not object with all coins that drop into also again, but is that object carries out with the part of the coin that drops into.Particularly, in the coin of coin judging part 112 is judged, can be that object carries out only also for example with the coin that is judged as the coin of to conclude the business.Perhaps, also can be being that object carries out corresponding to the coin of the number of predefined ratio (for example 50% of the coin of Tou Ruing) or the coin of predefined number in the coin that drops into.In addition, being under the situation of object corresponding to the coin of the number of predefined ratio or the coin of predefined number in the coin that drops into, also can set the number and the ratio of these predefined coins according to the reject rate of the judged result of coin judging part 112, to become different numbers or ratio.
B2, variation 2:
In the above-described embodiment, in the processing of step S310, judge whether to satisfy wantonly at least 1 condition in above-mentioned 3 conditions, but also can judge whether only to satisfy 1 condition in above-mentioned 3 conditions for it.Particularly, for example, " for any zone of any Currency Type, whether reject rate is more than 20% " also can be only judged in the processing of step of replacing 310.
B3, variation 3:
In the above-described embodiment, stop the back in transaction and carry out inappropriate transaction countermeasure processing, handle, stop to handle and only conclude the business but also can not carry out this inappropriate transaction countermeasure.
B4, variation 4:
In the above-described embodiment, the coin of establishing input all is a bank note, even but a part be coin or all be that coin is also passable.In the case, for each Currency Type of coin, the image data storage of benchmark image in storage part 114, is carried out similarly with the above embodiments that Currency Type is judged and coin is judged just passable.
B5, variation 5:
In the above-described embodiment, be 6 zones of regional A~regional F with the image division of coin, but the present invention is not limited to this.For example, also can as 4 zones or 8 zones, be divided into 6 zones in addition.In addition, also zoning on the single face of coin but on the two sides not only.
B6, variation 6:
In the above-described embodiment, in the processing of step S310, in the condition of relevant reject rate, be made as " more than 20% ", but be not limited to 20%, also can be made as 10% or 30% and wait other ratios.In addition, in the condition of relevant rejection number, be made as " more than 10 ", but be not limited to 10, also can be made as 8 or 15 and wait other quantity.In addition, in the condition of relevant rejection number continuously, be made as " more than 3 ", but be not limited to 3, also can be made as 2 or 4 and wait other quantity.In addition, these ratios and quantity also can according to during and time band change.
B7, variation 7:
In the above-described embodiment, in transaction stopped to handle, master control part 150 was returned to the user with cash card and bankbook, but also can not return cash card and bankbook.And, in the case, also can discharge cash card and bankbook by staff's operation A TM100, return to the user.
B8, variation 8:
In the above-described embodiments, be that example is illustrated with the credit transaction, but the present invention is not limited to credit transaction, also is applicable to other transaction such as money transfer transactions.In addition, as cash transaction device, with ATM is that example is illustrated, but the present invention is not limited to ATM, can be applied to ticket machine of ATM machine (CD:Cash Dispenser), monthly ticket etc., can make in the various devices of transaction in cash.
B9, variation 9:
In the above-described embodiments, judged result is stored in the storage part 114 that ATM100 possesses, but except this storage part 114, also can stores in the user's who is inserted in ATM100 the cash card and bankbook.By like this, because the judged result when utilizing counterfeit money to attempt transaction is stored in cash card and the bankbook, so under the situation that the counterfeit money relative is wanted to attempt concluding the business next time, for example also can from cash card and bankbook, read this judged result, judge could carrying out of transaction with reference to this judged result.

Claims (3)

1. a cash transaction device is used for carrying out transaction by cash, it is characterized in that this cash transaction device possesses:
The throw-in part of coin;
The coin reading part is put into the surface that the coin of above-mentioned throw-in part reads this coin to each, obtains the coin image of this coin;
Approximation judging part, each is put into the coin of above-mentioned throw-in part, predefined benchmark image and the above-mentioned coin image of obtaining are compared, and, according to this comparative result, to each presumptive area of above-mentioned coin image, judge whether this presumptive area is at above-mentioned coin image of this presumptive area and the akin approximate region of said reference image;
Storage part, storage is by the judged result of above-mentioned each presumptive area of above-mentioned approximation judging part judgement;
Add up to the number calculating part;
Add up to the number judging part; And
Predetermined process execution portion carries out the predetermined processing relevant with transaction;
For at least 1 Currency Type in the Currency Type of the coin of putting into above-mentioned throw-in part in order to carry out 1 transaction,
Above-mentioned total number calculating part calculates the total number that is judged as the coin that is not above-mentioned approximate region according to the above-mentioned judged result that is stored in above-mentioned storage part by above-mentioned each presumptive area;
Wantonly at least 1 adds up to whether number is more than the number of being scheduled in the total number that above-mentioned total number judgement section judges aforementioned calculation goes out;
In above-mentioned total number judgement section judges is to be under the situation more than the number of being scheduled to, above-mentioned predetermined process execution portion carry out transaction stop to handle,
Above-mentioned predetermined process execution portion is under the situation that stops to handle of carrying out above-mentioned transaction, with wantonly at least 1 coin in the above-mentioned coin that is dropped into is object, said reference image and the above-mentioned coin image of obtaining are compared again, and, according to the above-mentioned result who compares again, for being judged as by above-mentioned approximation judging part at least in the above-mentioned presumptive area is the zone of above-mentioned approximate region, judges whether it is above-mentioned approximate region again;
The result of above-mentioned judgment processing again is judged as under the situation that is not above-mentioned approximate region for wantonly at least 1 zone in the coin that becomes the above-mentioned object that compares again, above-mentioned predetermined process execution portion carry out above-mentioned transaction stop to handle,
Above-mentioned approximation judging part is utilized at least a portion data in the benchmark image data of representing the said reference image and is represented that at least a portion data in the coin view data of above-mentioned coin image compare under the situation of said reference image relatively and above-mentioned coin image;
Above-mentioned predetermined process execution portion is carrying out under the above-mentioned situation about comparing again, and the data more data of utilizing data more data that the above-mentioned approximation judging part of ratio in the said reference view data uses and the above-mentioned approximation judging part of the ratio in the above-mentioned coin view data to use carries out above-mentionedly comparing again.
2. cash transaction device as claimed in claim 1 is characterized in that,
Above-mentioned predetermined process execution portion carries out predefined inappropriate transaction countermeasure in the lump and handles under the situation that stops to handle of carrying out above-mentioned transaction.
3. cash transaction device as claimed in claim 1 is characterized in that,
Above-mentioned cash transaction device is the cash ATM (Automatic Teller Machine).
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