JP2001202552A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent a medium such as the magnetic card of a customer and a bankbook, and cash from being carried away by someone else even though the customer leaves the device during transactions. SOLUTION: When a customer detection sensor 1 detects that the customer leaves a paper money receiving and paying machine during its restoring processing owing to a cash processing failure in the machine, the information is stored in a storing part 9. When the information showing that the customer leaves the machine is stored in the part 9 after cash processing finished, an image urging to input a personal identification number is displayed on a customer operation displaying part 2, and when an inputted personal identification number is confirmed as correct, the magnetic card of the customer and cash are ejected.

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 for conducting a transaction by the operation of a customer, and is provided with an automatic transaction apparatus having a function of automatically recovering from a certain cash processing failure occurring in a deposit / withdrawal transaction. It is about.

[0002]

2. Description of the Related Art In a bank, an automatic transaction device installed in a store and a host computer are connected by a communication network.
2. Description of the Related Art Automatic transaction systems that perform financial-related transactions by communicating between an automatic transaction device and a host computer while allowing a customer to operate the automatic transaction device have become widespread.

[0003] In such a system, when a customer operates an automatic transaction apparatus and makes a payment transaction, for example, the automatic transaction apparatus takes in a magnetic card or passbook inserted by the customer,
While reading information such as an account number that identifies the customer from the magnetic stripe, having the customer enter a PIN, sending this information to the host computer, the host computer confirms the PIN and account, etc. When the notification to the effect is returned to the automated teller machine, cash is taken out from the denomination cassette in the cash-receipt-and-disbursement device, the cash is discriminated and counted (counting the number of bills to be paid), and then a magnetic card or a bankbook Is returned and the counted cash is paid to the customer.

In the case of a deposit transaction, a magnetic card or passbook inserted by a customer is taken in, information such as an account number for identifying the customer is read from the magnetic stripe and sent to a host computer, and the account and the like are confirmed by the host computer. Then, when the notification that the transaction is possible is returned to the automated teller machine, the cash is inserted into the cash-receipt-and-disbursement device, the inserted cash is discriminated and counted, and then stored in the denomination cassette. Is returned.

[0005] In such an automatic transaction apparatus, when a cash processing failure that can be automatically recovered at the time of deposit / withdrawal transaction occurs, for example, when a bill is abnormally taken out or conveyed, the operation of the apparatus is not immediately stopped. Some devices have a function to automatically remove the banknote that caused the abnormality and perform automatic recovery, and then continue to process transactions.The device is displayed on the customer operation display during this automatic recovery. The display indicates that the transaction is being processed.

[0006]

However, the above-mentioned prior art has the following problems. In other words, if a cash processing failure occurs, the time required for the transaction due to the automatic recovery process is considerably longer than the time required for the normal transaction, but the return of the magnetic card or passbook and the payment of cash are the same as the normal transaction. Done in

[0007] In such a case, if the customer is operating assuming a normal transaction time, the transaction time will be considerably longer than that, so even if a message indicating that the transaction is being processed is displayed, the apparatus is operated. If the person in charge misunderstands that an abnormality has occurred and there is no person in the vicinity, the person may leave the apparatus to call the person in charge. Therefore, if the magnetic card or passbook is returned and cash is paid after recovery while the device is away from the device, there is a problem that these magnetic cards, passbook and cash are taken away by a third party. Depending on the situation, there is a risk of trouble between customers and financial institutions.

[0008] Therefore, the present invention prevents a situation in which a customer's magnetic card, a passbook medium and cash are taken away by a third party when a cash processing failure that can be automatically recovered during a transaction occurs. It is an object of the present invention to realize an automatic transaction device capable of performing the above.

[0009]

SUMMARY OF THE INVENTION Therefore, the present invention provides a method for inserting a medium such as a magnetic card or a passbook, performing a transaction by a customer operation, and when a cash processing failure that can be automatically recovered during cash processing occurs. In the automatic transaction device having the function of performing the automatic recovery process, when the customer detection sensor detects that the customer has left the device during the recovery process for the cash processing failure, the information is stored in the storage unit, and the cash After the end of the processing, when information indicating that the customer has left the device is stored in the storage unit, a screen prompting the input of information for personal identification is displayed on the customer operation display unit,
The medium or the medium and cash are released when it is confirmed from the input information that the customer is a trading customer.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing an embodiment.
The system includes a customer detection sensor 1, a customer operation display unit 2, a card reading and printing unit 3, a banknote pay-in / pay-out unit 4, a coin pay-in / pay-out unit 5, a passbook entry machine 6, a control unit 7, and the like.

Here, the customer detection sensor 1 detects a customer who makes a transaction with the device. The customer operation display unit 2 has a touch panel functioning as keys for inputting information arranged on a display unit such as a CRT or an LCD. The display that defines the contents of the key is performed, so that the customer can select the desired transaction, input the password and the transaction amount, etc., and the display unit displays the input information etc. Also do.

The card reading and printing section 3 reads a magnetic card or the like inserted by the customer and reads information such as the customer's name and account number recorded on the magnetic stripe. It has a card reader / writer that performs writing for updating, and a printing unit that prints out transaction contents on a receipt and emits them. The banknote pay-in / pay-out device 4 performs a banknote pay-in / pay-out process associated with a transaction, and similarly, the coin pay-in / pay-out device 5 performs a coin deposit / withdrawal process in accordance with a transaction.

The passbook entry machine 6 is used for depositing and paying cash,
Alternatively, at the time of the bookkeeping transaction, the customer inserts the passbook inserted, reads the information such as the customer's name and account number recorded on the magnetic stripe of this passbook, and reads the current transaction information and the unregistered records in past transactions. The transaction information is printed on the passbook. The control unit 7 includes an arithmetic processing unit 8 and a storage unit 9
The arithmetic processing unit 8 reads program software such as a basic operating system, various driver software, or application software as needed,
The processing according to the contents is executed.

The storage unit 9 has an activation area for software for operating the above-mentioned various types of program software and an information holding area for holding information necessary for control.
These areas include those that can hold information only when power is supplied and those that can hold information even when power is not supplied, and are used as needed.

The control unit 7 controls the customer detection sensor 1, customer operation display unit 2, card reading / printing unit 3, banknote depositing / dispensing machine 4, coin depositing / dispensing machine 5, passbook entry machine 6, etc. by a program called driver software. And executes transactions in accordance with communication with a host computer provided in a center of a financial institution.

FIG. 2 is a perspective view showing the external appearance of the automatic transaction apparatus according to the present embodiment. As shown in FIG. 2, a customer detection sensor 1 is provided near the center of the front of the apparatus.
The upper part of the front of the device is set as a substantially L-shaped customer service unit, and a screen of the customer operation display unit 2 is provided on the horizontal plane.
A deposit / withdrawal port 4a of the banknote depositing / dispensing machine 4 and a deposit / withdrawal port 5a of the coin depositing / dispensing machine 5 are respectively provided. On a vertical surface, a card insertion / ejection port 3a of the card reading / printing unit 3, and a passbook insertion of the passbook entry machine 6 are provided. An outlet 6a is provided. Note that the card insertion / ejection port 3a also functions as a receipt ejection port.

Next, the operation of the above configuration will be described. Here, a case of a payment transaction using a card will be described as an example. First, a general procedure of a payment transaction will be described with reference to FIG. FIG. 3 is a flowchart of a payment transaction showing the operation of the embodiment having the above-described configuration, and S in the figure is a processing step.

At the time of a transaction, an initial screen is displayed on the customer operation display section 2 and a selection of a transaction is awaited (S1). The customer sees this screen and selects the desired transaction by pressing a key.
Here, it is assumed that the payment transaction is selected (S2). still,
At this time, a customer who makes a transaction is detected by the customer detection sensor 1, and a detection signal is sent to the control unit 7.

When the customer selects a payment transaction, the control unit 7
Displays a screen prompting the user to insert a card or passbook on the customer operation display unit 2 so that the customer can use the card insertion / ejection port 3a.
When a magnetic card is inserted into the card (S3), the magnetic card is taken into the card reading and printing unit 3, and information on a magnetic stripe provided on the magnetic card is read. This information is transferred to the control unit 7 and stored in the storage unit 9.

Subsequently, the control unit 7 displays a screen for prompting the input of a personal identification number on the customer operation display unit 2 and sees this and presses a numeric key on the screen and inputs the personal identification number ( S4) The control unit 7 stores the password in the storage unit 9 in association with the information of the magnetic stripe. Next, the control unit 7 causes the customer operation display unit 2 to display a screen for prompting the user to input a desired payment amount, and when the customer inputs the desired payment amount by pressing a numeric key in the screen (S5). ,
The control unit 7 stores the information on the amount input by the customer and the storage unit 9
Is transmitted to the host computer (inquiry processing) (S6).

Thereafter, when a reply indicating that the transaction is possible is received from the host computer, the storage unit 9 stores the bill depositing / dispensing machine 4.
And the coin depositing / dispensing machine 5 to execute cash withdrawal processing, and the card reading / printing unit 3 to update the balance in the magnetic stripe of the magnetic card and to print the transaction details on the receipt (S7). The details of the cash removal process will be described later with reference to the flowchart of FIG.

The processing in S7 can be performed in parallel with the inquiry processing to the host computer. When these processes are completed normally, the ejection of the magnetic card and receipt and the ejection of cash are performed (S8).
The details of this process will be described later with reference to the flowchart of FIG.

When the customer receives bills and coins, the control unit 7 displays a screen notifying the end of the transaction on the customer operation display unit 2, notifies the host computer of the transaction result, and further displays the screen on the customer operation display unit 2. Display the initial screen and return to the transaction waiting state. Thus, the normal payment processing ends. FIG. 4 is a subroutine of the process of S7 in the flowchart of FIG. 3, and a description will be given of a response including an automatic recovery process for a cash processing failure with reference to FIG.

First, the automatic recovery processing flag and the customer detection sensor off flag, which are flags, are cleared (S7-).
1). The automatic recovery processing flag and the customer detection sensor off flag can be set in, for example, the storage unit 9 in FIG. Next, the value of the cash take-out counter provided in the banknote pay-in / pay-out device 4 is reset to 0 (S7-
2) Subsequently, a banknote of a denomination corresponding to the amount input by the customer is taken out of the denomination cassette and transported to the discrimination unit,
Further, after the discrimination, the sheet is conveyed to the deposit / withdrawal port 4a and is accumulated (S7-3).

It is monitored whether or not an abnormal state in which automatic recovery processing can be performed during the removal or transfer, that is, whether or not a cash processing failure has occurred (S7-4). The determination is made by the determination unit of the machine 4 (S7-5). If it is determined that the automatic recovery is possible, the control unit 7 sets the automatic recovery flag (S7-
6) The banknote depositing / dispensing machine 4 performs an automatic restoration process (S7).
-7). For example, in this kind of banknote pay-in / pay-out machine 4,
Sensors are arranged at the banknote take-out position of the denomination cassette and the banknote transport path, and when the banknotes being transported do not reach the original length due to bending or the like based on the detection signal of this sensor, banknote deposit / withdrawal. When the determination unit of the machine 4 determines, the transport is stopped instantaneously as a cash processing abnormality, and the information is notified to the control unit 7 to set the automatic recovery flag as described above.

The banknote pay-in / pay-out device 4 adjusts the banknote by moving the banknote in the forward or reverse direction, and then transports the banknote to a reject box or the like at a lower speed than a normal transport speed, and transports the banknote to the reject box. Eliminate banknotes. By doing so, it is possible to avoid a situation in which a jam occurs due to an abnormal banknote such as a bend and the like and there is no help for it and the processing cannot be continued.

Thereafter, the flow returns to the processing from S7-3. If it is determined in S7-5 that automatic recovery is not possible, the control unit 7 sends a predetermined notification to the host computer and a staff member provided inside the customer operation display unit 2 or the back door of the apparatus. A predetermined display is performed on the operation display unit, and the system waits for the operator to perform a recovery process according to the failure status (S7).
-8).

Since this processing is not related to the present invention, it will not be described in detail, but it will be briefly described that if a medium such as a card or a passbook can be returned to the customer, it depends on the trouble situation. Returning and correcting or canceling the data to ensure consistency with the host computer, displaying a transaction stoppage screen to the customer on the customer operation display unit 2, and a staff member provided on the inner surface of the rear door of the apparatus. It performs a screen display of the occurrence of the failure on the display unit, prints the details of the failure, notifies the device status monitoring system, and performs a failure recovery process by a dedicated staff.

If no trouble occurs and the cash is normally taken out and transported, the take-out counter is counted up by one (S7-9), and the count value is set to the number N corresponding to the amount entered by the customer. Is determined (S7-10). If the count value does not reach the number N, the process returns to S7-3 and the process is repeated.
When the count value reaches the number N, the extraction of the bill ends.

The feeding, transporting, discrimination and counting of bills are performed for each denomination. Next, the control unit 7 determines whether or not the customer detection sensor has been turned off during the above-described series of processes (the processes of S7-2 to S7-10). If not, the process of S8 in FIG. When the detection is performed, that is, when the customer has left the apparatus, the customer detection sensor off flag is set to store the off information, and then the processing shown in FIG.
The process proceeds to S8.

The same processing as the series of processing shown in FIG. 4 is performed on coins. FIG. 5 is a subroutine of the processing of S8 in the flowchart of FIG. 3, and the processing of discharging cash, a magnetic card, and the like will be described with reference to FIG. First,
The control unit 7 checks whether the automatic recovery processing flag and the customer detection sensor off flag are set (S8-
1).

If both flags are not set, it means that no cash processing failure has occurred in the processing of S7 and the customer has not left the apparatus, so that the magnetic card and receipt are released (S8-4). Discharging of cash (S8-5) is sequentially performed. On the other hand, if both flags are set, it means that a cash processing failure has occurred in the processing of S7 and that the customer has also left the apparatus. Causes the customer operation display unit 2 to display a screen for prompting the input of a personal identification number (S8-2).

FIG. 6 shows an example of a display screen at this time.
A message stating that the user has been away from the device during cash processing, and confirming the identity, a numeric keypad, a confirmation key, and a correction key are displayed, and a message informing the user to press the confirmation key after entering the security code is displayed. Is done. When the customer inputs a personal identification number in accordance with this screen, the control unit 7 compares the personal identification number stored in the storage unit 9, that is, the personal identification number inputted in S4 of FIG. It is determined whether or not the password input this time is correct based on whether or not they match (S8-3). If the password is correct, the control unit 7 prompts the customer operation display unit 2 to receive the card and the receipt. Is displayed, and at the same time, the customer's magnetic card is ejected from the card insertion / ejection port 3a together with the receipt (S8-4).

When the customer receives the magnetic card and the receipt, the controller 7 causes the customer operation display section 2 to display a screen for prompting the receipt of cash, and at the same time, the bill depositing / dispensing machine 4 and the coin depositing / dispensing machine 5. By opening the shutters of the deposit and withdrawal ports 4a, 5a, these media are discharged (S8-
5) When the customer receives this, the process ends. If it is determined in step S8-3 that the passwords do not match and the passwords are not correct, a screen for inputting the password is displayed again.

The number of times that a password is allowed to be input is determined based on the system operation specifications. Generally, when a correct password is not input within the permitted number of times, A series of operations is canceled and the cancellation is notified to the host computer. In the above-described embodiment, the release of a medium such as a magnetic card, a receipt, and cash after automatic recovery when a cash processing failure occurs in a payment transaction has been described as an example. It is also applicable to payment transactions using passbooks in some regions.

In the case of a processing failure that can be automatically recovered during the processing of storing cash inserted by a customer, it is possible to cope with the payment processing by performing the same processing as in the above-described embodiment. However, since the PIN is not normally entered in the deposit transaction, when receiving the PIN of the corresponding account from the host computer during the inquiry process to the host computer and the customer leaves the device during the transaction,
Before returning the failed cash or passbook, ask the customer to enter a password to confirm the identity, or use the account number recorded on the magnetic stripe of the passbook to verify the identity etc. Method is adopted.

In addition, ICF (Custom)
It is also possible to use customer-specific information in a mer Information File (customer information file).
Further, in the above-described embodiment, when the customer leaves the device during the transaction, the customer operation display unit allows the user to input a personal identification number, confirms the identity, and discharges a medium such as a magnetic card or a passbook and cash. However, as another method, processing by a staff of a financial institution is also possible.

Generally, in this kind of automatic transaction apparatus,
A staff operation display section is provided inside the back door of the apparatus or the like, and this staff operation display section displays information for each customer operation step of the current transaction, or has a medium collection / discharge button in the event of a failure. . Therefore, in the process of S8-2 in FIG. 5, that is, when the screen prompting the input of the personal identification number shown in FIG. 6 is displayed on the customer operation display unit 2, the staff operation display provided inside the rear door of the apparatus or the like is displayed. Section displays a screen indicating the status of the device, and a release button for releasing the current state is provided in this screen, and the clerk confirms the identity of the customer and presses the release button to confirm the identity. It is conceivable that a medium such as a magnetic card or a passbook and cash are released as the information.

FIG. 7 is a view showing a display screen of the attendant operation display unit in this case, and has a release button 10. The name and account number of the customer are displayed on this screen, and the clerk uses the information to ask the customer for the name and account number of the customer. When the user presses the key, the control unit 7 recognizes this as information that has been verified.

[0040]

As described above, according to the present invention, when the customer detection sensor detects that the customer has left the apparatus during the recovery processing for the cash processing failure, the information is stored in the storage unit, When the information indicating that the customer has left the device is stored in the storage unit after the processing of the above, a screen for prompting input of information for identifying the user is displayed on the customer operation display unit, and the input information is displayed. The medium or the medium and cash are released when it is confirmed that the customer is a transaction customer.

Therefore, even if a customer leaves the device during a transaction, it is possible to prevent a situation in which the customer's medium such as a magnetic card or passbook and cash are taken away by a third party. The effect is obtained that the institution can also avoid unnecessary trouble with the customer.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating an embodiment;

FIG. 2 is a perspective view illustrating an appearance of the embodiment.

FIG. 3 is a flowchart of a payment transaction showing the operation of the embodiment.

FIG. 4 is a subroutine showing details of a process of S7 in FIG. 3;

FIG. 5 is a subroutine showing details of a process of S8 in FIG. 3;

FIG. 6 is a diagram showing an example of a display screen for inputting a password in the embodiment.

FIG. 7 is a diagram showing a display screen example of a staff operation display unit according to the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer detection sensor 2 Customer operation display part 3 Card reading and printing part 4 Banknote depositing / dispensing machine 5 Coin depositing / dispensing machine 6 Passbook bookkeeping machine 7 Control part 8 Operation processing part 9 Storage part 10 Release button

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 15/30 330

Claims (2)

[Claims] 1. A function of inserting a medium such as a magnetic card or a passbook, performing a transaction by a customer operation, and performing an automatic recovery process when a cash processing failure that can be automatically recovered during cash processing occurs. In the automatic transaction device, when the customer detection sensor detects that the customer has left the device during the recovery process for the cash processing failure,
When the information is stored in the storage unit, and after the cash processing is completed, information indicating that the customer has left the device is stored in the storage unit, a screen prompting the customer to input information for identifying the user is displayed. An automatic transaction apparatus which displays on an operation display unit and releases the medium or the medium and cash when it is confirmed from the input information that the customer is a trading customer. 2. A clerk operation display section provided inside a door of the apparatus according to claim 1, wherein a screen prompting input of information for personal identification is displayed on a customer operation display section. Is displayed, and when the state release button provided in this screen is pressed,
An automatic transaction apparatus characterized in that this is information that has been verified.