JP2000293726A - Automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent bank notes to be dispensed from being stolen by a customer when the notes are accumulated in a customer servicing port before the customer is authenticates. SOLUTION: An automatic transaction machine is provided with a shutter close detecting sensor 12 which detects the closed state of an openable/closable shutter which is installed to a customer servicing unit in which bank notes to be dispensed to a customer are accumulated and an alarm producing unit 15 which issues an alarm. The alarm producing unit 15 is constituted to issue the alarm when the sensor 12 detects the opened state of the shutter before the dispense of the notes to the customer is permitted in a payment transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus used in financial institutions and the like, and more particularly to an automatic transaction apparatus excellent in crime prevention.

[0002]

2. Description of the Related Art In a conventional automatic transaction apparatus, when a customer conducts a transaction, first, a card is inserted into the apparatus, the password information stored in the card is read, and then the password entered by the customer and the read password are read. The numbers were compared, and if the two matched, the customer was determined to be the legitimate owner of the card. In an automatic transaction device, a transaction is executed after an identity verification is performed.For example, in the case of a payment transaction, after the identity verification is normally performed, a designated number of banknotes are paid out from a banknote storage safe in the device, and customer service is performed. They are transported to the mouth and paid out to customers.

However, in recent years, there has been a request from a financial institution to shorten the waiting time of a customer, and in order to respond to this, for example, a leading transaction is performed in a payment transaction. In the advance counting transaction, the operation of dispensing banknotes is performed in parallel with the process of identity verification, and the banknotes can be extracted from the device when the identity verification is normally performed and payment to the customer is permitted. .

[0004] More specifically, when a card is inserted into the device and a customer inputs a personal identification number and an amount to be paid out, a specified amount of banknotes is immediately dispensed from a banknote safe and conveyed to a customer service opening. You. During that time, the data read from the card and the input data are sent to the host computer to determine whether to authorize the payment transaction. When the payment transaction is permitted, the shutter of the customer service port to which the designated number of bills has been sent is opened, and the customer can take out the bill. If the payment is not permitted as a result of the identity verification after the bill is conveyed to the service entrance, the bill in the service entrance is returned to the banknote safe.

[0005]

However, in the leading counting transaction, although the time of the payment transaction is shortened, if the malicious customer attempts to perform the payment transaction using a cash card which has been illegally acquired, the bill is not counted. Risk of being stolen.
That is, in the preceding counting transaction, the bill is conveyed to the customer service port at the stage when the payment amount is input, so when the customer tears the shutter of the customer service port when the bill is conveyed to the customer service port, the result of identity verification is Irrespective of, the bill can be extracted.

[0006]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides an automatic transaction apparatus for paying bills to a customer by opening a shutter openably and closably provided in a storage section for storing bills to be paid to a customer. , A shutter close detecting means for detecting an open state of a shutter, and an alarm generating means for issuing an alarm, wherein the shutter close detecting means is provided before the dispensing of the bill to the customer is permitted in the transaction for paying the bill to the customer. When the open state of the shutter is detected, the alarm generating means issues an alarm.

According to the present invention, when the customer opens the shutter of the payment storage unit and tries to extract the bill, the shutter closing detecting means detects the opening of the shutter and the alarm means issues an alarm. This makes it possible to prevent theft of banknotes.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a control block diagram showing an automatic transaction device according to a first embodiment of the present invention, FIG. 2 is an external view showing the automatic transaction device, and FIG. 3 is a perspective view showing a customer service unit provided in the automatic transaction device. is there. In FIG. 2, the automatic transaction apparatus 1 is provided with a card reader unit 2, a passbook unit 3, a bill deposit / withdrawal port 4, and a touch panel 5.

The card reader unit 2 reads the magnetic data of the cash card inserted by the customer and updates the magnetic data after the transaction. Passbook unit 3
Prints the transaction details on the passbook inserted by the customer.
The banknote pay-in / pay-out port 4 pays out the banknote to the customer, and takes in the banknote received from the customer into the apparatus. The touch panel 5 displays an operation guide while the customer inputs a password, a payment amount, and the like.

In FIG. 3, a customer service unit 6 is provided inside the bill receiving / dispensing port 4 of FIG. 1 and constitutes a part of a bill receiving / dispensing unit described later. The customer service unit 6 includes a pool unit 7 on which bills are accumulated, and a shutter 8 slidably provided on the upper portion of the pool unit 6. In the pool section 7, bills to be paid out to customers and bills received from customers are accumulated. The shutter 8 opens and closes with respect to the pool section 7 by moving in the direction of the arrow by a drive source (not shown). A post 9 is formed on the side of the shutter 8, and this post 9
Is engaged with a latch 10 provided in the pool portion 7. The latch 10 is provided rotatably about a fulcrum 11, and holds the shutter 8 in a closed state by engaging with the post 9. Below the latch 10, a shutter closing detection sensor 12 for detecting that the shutter 8 is closed is disposed.

FIG. 1 shows a state where a plurality of automatic transaction apparatuses 1 are provided. Each automatic transaction device 1 includes a card reader unit 2, a passbook unit 3, and a banknote deposit / withdrawal unit 13.
Are provided, and each of the units 2, 3, and 13 has a control unit 2a, 3a, and 13a, respectively. Each control unit 2a, 3
a, 13a are connected to the main controller 1a of the automatic transaction apparatus 1. It has the same configuration as the other automatic transaction apparatuses 1, and each main controller 1 a is connected to the centralized monitoring controller 14. The centralized monitoring controller 14 monitors the operation state of each automatic transaction device 1 and controls the operation. An alarm sound generator 15 and a host computer 16 are connected to the centralized monitoring controller 14. Alarm sound generator 1
Reference numeral 5 is provided at an automatic machine corner of a bank store where the automatic transaction apparatus 1 is installed.

Next, the operation of the first embodiment will be described with reference to the flowchart shown in FIG. FIG. 4 is a flowchart showing the operation of the first embodiment. Here, the operation in the case where the payment transaction processing is performed by the advance counting transaction will be described. First, the customer inserts a cash card into the card reader unit 2 according to the guidance on the touch panel 5 (step 1). Subsequently, the customer inputs the personal identification number from the touch panel 5 (step 2), and inputs the amount to be withdrawn (step 3).

In the automatic transaction apparatus 1, when the payout amount is input, the banknote deposit / withdrawal unit 13 draws out the banknote from the storage safe and accumulates it in the pool section 7 of the customer service unit 6 (step 4). It monitors whether the shutter 8 of the customer service unit 6 is closed (step 5). This monitoring is continued until the customer identification is completed. Here, when it is confirmed that the shutter 8 is closed, the data of the inserted cash card is read by the card reader unit 2 (step 6). The read data is transferred to the host computer 16 (Step 7).

The entered personal identification number and the data of the cash card are collated, and the collation result is sent from the host computer 16 to determine whether or not to permit the payment transaction (step 8). When the payment transaction is permitted in this determination, the shutter 8 of the customer service unit 6 is opened, and the bill is paid out (step 9). As a result of the collation, if the payment transaction is not permitted, the cash card is returned to the customer (step 11), and the banknotes accumulated in the customer service unit 6 are taken into the safe (step 12).

In step 5, at least before the transaction is authorized in step 8, the customer service unit 6
When the shutter 8 is opened, the shutter closing detection sensor 1
2 detects this, and the centralized monitoring control unit 14 activates the alarm sound generator 15 based on this detection signal to emit an alarm sound (step 10). Thereafter, the cash card is returned to the customer (step 11), and the banknotes accumulated in the customer service unit 6 are taken into a safe (step 12).

As described above, when the customer tries to open the shutter 8 of the service unit 6, an alarm is sounded, so that the theft of the customer can be interrupted.

Next, a second embodiment will be described. FIG. 5 is a control block diagram showing the automatic transaction apparatus according to the second embodiment. In FIG. 5, a warning light 17 is connected to the centralized monitoring control unit 14. The warning light 17 is installed in an easily visible place outside the bank store. Other configurations are the same as those of the first embodiment.

Next, the operation of the second embodiment will be described.
As in the first embodiment, the operation in the case where the payment transaction processing is performed by the advance counting transaction will be described with reference to the flowchart of FIG. First, the customer inserts a cash card into the card reader unit 2 according to the guidance on the touch panel 5 (step 21). Subsequently, the customer inputs the personal identification number from the touch panel 5 (step 22), and inputs the amount to be withdrawn (step 23).

In the automatic transaction apparatus 1, when the payout amount is input, the banknote pay-in / pay-out unit 13 draws out the banknote from the storage safe and accumulates it in the pool section 7 of the customer service unit 6 (step 24). It monitors whether or not the shutter 8 of the customer service unit 6 is closed (step 25). This monitoring is continued until the customer identification is completed. Here, when it is confirmed that the shutter 8 is closed, the data of the inserted cash card is read by the card reader unit 2 (step 26). The read data is transferred to the host computer 16 (Step 2)
7).

The entered personal identification number and the data of the cash card are collated, and the collation result is sent from the host computer 16 to determine whether or not to permit the payment transaction (step 28). When the payment transaction is permitted in this determination, the shutter 8 of the customer service unit 6 is opened, and the bill is paid out (step 29). As a result of the collation, if the payment transaction is not permitted, the cash card is returned to the customer (step 31), and the banknotes accumulated in the customer service unit 6 are taken into the safe (step 32).

In step 25, when the shutter 8 of the customer service unit 6 is opened at least before the transaction is permitted in step 28, the shutter closing detection sensor 12 detects this, and the centralized monitoring control unit 14 detects this. The warning light 17 is turned on based on the signal (step 3
0). Thereafter, the cash card is returned to the customer (step 31), and the banknotes accumulated in the customer service unit 6 are taken into a safe (step 32).

As described above, when the customer tries to open the shutter 8 of the customer service unit 6, the warning light 17 installed in an easily-viewable place outside the store is turned on, and criminal acts occur to passers-by and the like. Can be notified and the theft can be interrupted.

Next, a third embodiment will be described. FIG. 7 is a control block diagram showing an automatic transaction apparatus according to the third embodiment. In FIG. 7, a voice guidance unit 22 is provided together with a shutter closing detection sensor 12 in the depositing / dispensing unit 13 of the automatic transaction apparatus 21 according to the third embodiment. The voice guidance unit 22 can guide the operation of the customer and emit an alarm sound. The voice guidance unit 22 is a control unit 21a of the automatic transaction device 21.
Is controlled by The structure of the bill receiving / dispensing unit 13 is the same as that of the first embodiment.

Next, the operation of the third embodiment will be described with reference to FIG. First, the customer inserts a cash card into the card reader unit 2 according to the guidance on the touch panel 5 (step 1). Subsequently, the customer inputs the personal identification number from the touch panel 5 (step 2), and inputs the amount to be withdrawn (step 3).

In the automatic transaction apparatus 21, when the payout amount is inputted, the banknote pay-in / pay-out unit 13 draws out the banknote from the storage safe and accumulates it in the pool section 7 of the customer service unit 6 (step 4). It monitors whether the shutter 8 of the customer service unit 6 is closed (step 5). This monitoring is continued until the customer identification is completed. Here, when it is confirmed that the shutter 8 is closed, the data of the inserted cash card is read by the card reader unit 2 (step 6). The read data is transferred to the host computer 16 (Step 7).

The entered personal identification number and the data of the cash card are collated, and the collation result is sent from the host computer 16 to determine whether or not to permit the payment transaction (step 8). When the payment transaction is permitted in this determination, the shutter 8 of the customer service unit 6 is opened, and the bill is paid out (step 9). As a result of the collation, if the payment transaction is not permitted, the cash card is returned to the customer (step 11), and the banknotes accumulated in the customer service unit 6 are taken into the safe (step 12).

In step 5, at least before the transaction is authorized in step 8, the customer service unit 6
When the shutter 8 is opened, the shutter closing detection sensor 1
2 detects this, and the control section 21a activates the voice guidance unit 22 based on the detection signal to emit an alarm sound (step 10). Thereafter, the cash card is returned to the customer (step 11), and the banknotes accumulated in the customer service unit 6 are taken into a safe (step 12).

As described above, when the customer tries to open the shutter 8 of the service unit 6, the voice guidance unit 22 emits an alarm sound. Therefore, an alarm device or the like for preventing theft is newly installed. Without having to do so, it is possible to suspend customer theft.

Next, a fourth embodiment will be described. FIG. 8 is a control block diagram showing the automatic transaction apparatus according to the fourth embodiment. In FIG. 8, the deposit / withdrawal unit 13 of the automatic transaction apparatus 31 according to the fourth embodiment is provided with a volume control unit 32 together with the shutter close detection sensor 12 and the voice guidance unit 22. The volume control unit 32 controls the volume of the voice guidance unit 22.
It is controlled by the control unit 31a of the automatic transaction device 31. The structure of the bill receiving / dispensing unit 13 is the same as that of the first embodiment.

Next, the operation of the fourth embodiment will be described with reference to FIG. FIG. 9 is a flowchart showing the operation of the fourth embodiment. First, the customer inserts a cash card into the card reader unit 2 according to the guidance on the touch panel 5 (step 41). Subsequently, the customer inputs the personal identification number from the touch panel 5 (step 4).
2) Input the amount to be withdrawn (step 43).

In the automatic transaction apparatus 31, when the payout amount is input, the banknote pay-in / pay-out unit 13 draws out the banknotes from the storage safe and accumulates them in the pool section 7 of the customer service unit 6 (step 44). It monitors whether the shutter 8 of the customer service unit 6 is closed (step 45). This monitoring is continued until the customer identification is completed. Here, when it is confirmed that the shutter 8 is closed, the data of the inserted cash card is read by the card reader unit 2 (step 46). The read data is transferred to the host computer 16 (Step 47).

The entered personal identification number and the data of the cash card are collated, and the collation result is sent from the host computer 16 to determine whether or not to permit the payment transaction (step 48). When the payment transaction is permitted in this determination, the shutter 8 of the customer service unit 6 is opened and the bill is paid out (step 49). As a result of the verification, if the payment transaction is not permitted, the cash card is returned to the customer (step 52), and the banknotes accumulated in the customer service unit 6 are taken into the safe (step 53).

In step 45, if the shutter 8 of the customer service unit 6 is opened at least before the transaction is permitted in step 48, the shutter closing detection sensor 12 detects this and the control unit 31a responds to this detection signal. Based on this, the volume control unit 32 is controlled to increase the volume of the voice guidance unit 22 (step 50), and the voice guidance 22 is activated to emit an alarm sound (step 51). Thereafter, the cash card is returned to the customer (step 52), and the banknotes accumulated in the customer service unit 6 are taken into a safe (step 53).

As described above, when the customer tries to open the shutter 8 of the customer service unit 6, the voice guidance unit 22 emits an alarm sound. Therefore, an alarm device or the like for preventing theft is newly installed. Although the customer's theft can be interrupted without any problem, the volume is particularly increased when the voice guidance unit 22 emits an alarm sound, so that the customer's theft can be further prevented.

Next, a fifth embodiment will be described. The configuration of the fifth embodiment is similar to the configuration of the third embodiment shown in FIG. Here, the operation of the fifth embodiment will be described with reference to FIG. FIG. 10 shows the fifth
9 is a flowchart showing the operation of the embodiment.

First, the customer inserts a cash card into the card reader unit 2 according to the guidance on the touch panel 5 (step 61). Subsequently, the customer inputs the personal identification number from the touch panel 5 (step 62), and inputs the amount to be withdrawn (step 63).

In the automatic transaction apparatus 21, when the payout amount is input, the banknote deposit / withdrawal unit 13 draws out the banknotes from the storage safe and accumulates them in the pool section 7 of the customer service unit 6 (step 64). It monitors whether the shutter 8 of the service unit 6 is closed (step 65). This monitoring is continued until the customer identification is completed. If it is confirmed that the shutter 8 is closed, the data of the inserted cash card is read by the card reader unit 2 (step 66). The read data is transferred to the host computer 16 (Step 67).

The entered personal identification number and the data of the cash card are collated, and the collation result is sent from the host computer 16 to determine whether or not to permit the payment transaction (step 68). If the payment transaction is permitted in this judgment, the shutter 8 of the customer service unit 6 is opened and the bill is paid out (step 69). As a result of the verification, if the payment transaction is not permitted, the cash card is returned to the customer (step 71), and the banknotes accumulated in the customer service unit 6 are taken into the safe (step 72).

In step 65, if the shutter 8 of the customer service unit 6 is opened before the transaction is permitted at least in step 68, the shutter closing detection sensor 12 detects this and the control unit 21a responds to this detection signal. Based on this, the voice guidance unit 22 is activated to emit an alarm sound (step 70). Thereafter, the cash card is taken into a predetermined place in the device without returning it to the customer (step 71). The banknotes accumulated in the customer service unit 6 are taken into a safe (step 72).

As described above, when the customer tries to open the shutter 8 of the customer service unit 6, the voice guidance unit 22 emits an alarm sound and the cash card is taken into the device. It is possible to prevent theft using the same card again.

[0041]

As described above in detail, according to the present invention, when a customer tries to open the shutter of the service unit, an alarm is issued, so that the theft can be interrupted by the customer. Become.

[Brief description of the drawings]

FIG. 1 is a control block diagram illustrating an automatic transaction device according to a first embodiment.

FIG. 2 is an external view showing an automatic transaction apparatus.

FIG. 3 is a perspective view showing a customer service unit.

FIG. 4 is a flowchart showing a payment transaction according to the first embodiment.

FIG. 5 is a control block diagram illustrating an automatic transaction apparatus according to a second embodiment.

FIG. 6 is a flowchart illustrating a payment transaction according to the second embodiment.

FIG. 7 is a control block diagram illustrating an automatic transaction device according to a third embodiment.

FIG. 8 is a control block diagram illustrating an automatic transaction device according to a fourth embodiment.

FIG. 9 is a flowchart illustrating a payment transaction according to a fourth embodiment.

FIG. 10 is a flowchart showing a payment transaction according to a fifth embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1, 21, 31 Automatic transaction device 6 Customer service unit 8 Shutter 12 Shutter closing detection sensor 15 Alarm sound generator 17 Warning light 22 Voice guidance 32 Volume control unit

 ──────────────────────────────────────────────────続 き Continuing on the front page F term (reference) 3E040 AA01 AA04 AA07 BA07 CA02 CB04 DA01 DA03 FA03 FA04 FA05 FF03 FF07 FH04 FJ06 FJ09 FL04 5B055 BB03 CB01 GG20 HA11 JJ05 KK00 NA13 5C084 AA03 CC40 CC04 DDCC FF03 FF27 GG12 GG20 HH01 HH07

Claims (5)

[Claims] 1. An automatic transaction device that opens a shutter openably and closably provided in a storage portion for storing bills to be paid out to a customer and pays out bills to a customer, comprising: shutter closing detection means for detecting a closed state of the shutter; Alarm generating means for issuing an alarm, wherein the shutter closing detecting means detects the open state of the shutter before the dispensing of the bill to the customer in the transaction of bill payment to the customer, the alarm generating means An automatic transaction apparatus, wherein an alarm is issued. 2. The alarm generating means is connected to a plurality of automatic transaction devices, and detects the open state of the shutter by the shutter close detection device before any one of the automatic transaction devices is allowed to pay out a bill to a customer. 2. The automatic transaction apparatus system according to claim 1, wherein said alarm generating means issues an alarm when said alarm is issued. 3. The automatic transaction apparatus according to claim 1, wherein said alarm generating means is a voice guidance unit. 4. The automatic transaction apparatus according to claim 3, further comprising a volume control unit for controlling a volume of the voice guidance unit. 5. The method according to claim 1, wherein when the shutter close detecting means detects an open state of the shutter before payment of a bill to the customer is permitted, the card inserted into the apparatus is taken in.
Automatic transaction device as described.