JP2003256908A - Automatic teller machine and its program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To realize an automatic teller machine capable of processing much cash, especially processing both of reception of a large number of coins and a small number of coins. <P>SOLUTION: In the automatic teller machine provided with a card insertion part for reading out customer's information from a customer card, a bankbook entry part for reading out the customer's information from a bankbook, a paper money reception/payment part, and a coin reception/payment part and performing a transaction by the customer's information recorded in a transaction medium, the size of a coin reception/payment slit is increased, a shutter and a small-amount shutter are prepared, and in the case of receiving reception of a large number of coins, both the shutter and small-amount shutter are opened in the case of a large number coins on the basis of large amount permission information recorded in a transaction medium. In the case of reception of a small number of coins, only the shutter is opened. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine installed in a financial institution and its program.

[0002]

2. Description of the Related Art In a conventional automated teller machine, a depositing transaction, a withdrawal transaction, a transfer transaction, etc. are made by a transaction medium such as a card or a passbook for individual customers such as individual depositors as customers of financial institutions. The specifications etc. have been decided on the premise of carrying out, and the amount and the number of cash to be handled are limited to a relatively small amount.

Therefore, as a customer of a financial institution, a manager of an individual company or a store owner of a general store who deposits a relatively large amount of cash, when depositing a day's sales, etc. We deposit using a safe.

[0004]

However, when handling a large amount of coins at the transaction window of a financial institution, it is necessary for the person in charge to confirm the counted amount and enter the result in a passbook or the like. There is a problem that the burden on the person in charge increases depending on the work and time. Even in the case of using the night safe, it is necessary for the person in charge to count the cash at a later date and confirm the amount of money, and time is required.After that, a storage bag or other storage device for storing the deposited banknotes and coins is used by the user of the night safe. However, there is a problem that the burden on the person in charge is further increased because it must be returned to the customer.

Further, since confirmation of receipt of cash will be made at a later date, there is a problem that payment cannot be made at the time of depositing, and there is also a problem that a mismatch due to the deposit amount or the like occurs. On the other hand, along with the long-term operation of the automated teller machine in recent years, there is an increasing expectation that a large amount of cash can be deposited by the automated teller machine when the financial institution operates outside the business hours.

[0006] In this case, if a large amount of coins are admitted to general consumers, there is a concern that foreign matter such as clips and dust may be mixed. Therefore, it is an object of the present invention to realize an automatic teller machine that can handle a large amount of cash, especially large coins and small coins.

[0007]

In order to solve the above problems, the present invention has a transaction medium reading unit for reading a customer's transaction medium and a coin depositing / dispensing unit, and the customer information recorded in the transaction medium. Therefore, in the automatic teller machine for transactions, a large coin deposit / withdrawal port having a double shutter is provided in the coin deposit / withdrawal unit, and large deposit permission information is recorded in the transaction medium.

Further, in a program of an automated teller machine which has a transaction medium reading unit for reading a customer's transaction medium and a coin depositing / dispensing unit and conducts a transaction based on customer information recorded in the transaction medium, the automated teller machine is provided. Select the coin deposit / withdrawal port by the reading means for reading the large deposit permission information recorded on the transaction medium and the double shutter provided on the coin deposit / withdrawal port of the coin deposit / withdrawal unit based on the large deposit permission information. It is characterized by causing it to function as an opening / closing means for opening and closing.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of an automatic teller machine according to the present invention will be described below with reference to the drawings.
FIG. 1 is a sectional perspective view showing a coin depositing / dispensing port of the present embodiment, FIG. 2 is a block diagram showing the automatic teller machine, and FIG. 3 is a perspective view thereof.

In FIGS. 2 and 3, reference numeral 1 denotes a host computer as a host device installed in the center of a financial institution, which communicates with an automated teller machine 2 installed in a branch of a bank or the like by a telephone line. It is connected via a line and has a database 3 for storing customer's personal identification number, account number, customer file for managing deposit balance, and the like.

Reference numeral 4 is a control unit of the automatic teller machine 2,
The communication unit 5 is connected to the host computer 1 via a communication line and controls each unit in the automatic teller machine 2 to control transactions and also to control data communication. 6
Is a storage unit of the automatic teller machine 2, and stores programs executed by the control unit 4, processing results by the control unit 4, and the like.

Reference numeral 7 is a customer operation unit, which is a CRT or LC.
A display screen such as D and a touch panel are combined to display a screen for inquiring the customer's wishes, a screen for prompting the customer to take measures, and the touch panel receives input from the customer. Reference numeral 8 denotes a card insertion portion, which also has a printer for reading and writing the contents recorded on the magnetic stripe of the customer's card inserted from the card insertion port 8a and printing it on a transaction statement or the like.

A passbook entry unit 9 reads and writes the contents recorded in the magnetic stripe of the customer's passbook inserted from the passbook insertion slot 9a, and also writes transaction data such as transaction contents in the customer's passbook. The card insertion unit 8 and the passbook entry unit 9 constitute a transaction medium reading unit for reading a card or a passbook which is a transaction medium of a customer.

Reference numeral 10 denotes a bill depositing / dispensing unit, which accepts bills of a customer through the bill depositing / dispensing port 10a, discriminates, counts and accumulates the bills, and discharges the bills to be dispensed to the customer from the bill depositing / dispensing port 10a. Reference numeral 11 denotes a coin depositing / dispensing unit, which accepts a customer's coins through a coin depositing / dispensing port 11a which is set to be larger than usual so that the coins can be directly deposited from a storage bag or other storage device, and the coins are identified, counted, and accumulated. Then, the coins to be paid out to the customer are discharged from the coin deposit / withdrawal port 11a.

Further, the coin depositing / dispensing section 11 is provided with a coin return port 11b for returning foreign matters and the like put into the coin depositing / dispensing port 11a. FIG. 1 is a cross-sectional perspective view showing a coin deposit / withdrawal port 11a of the present embodiment. Reference numeral 21 denotes a shutter, which is slidably fitted in a groove 22 provided in a frame or the like of the cash transaction apparatus 2 and is driven by a driving device (not shown) to open and close the opening 23 of the coin deposit / withdrawal port 11. .

Reference numeral 24 denotes a shutter having a small edge (hereinafter referred to as a small edge shutter), which is provided inside the shutter 21 and is provided in a groove portion 2 provided in a frame or the like of the cash transaction apparatus 2.
A coin slot 26 is provided which is slidably fitted in 5 and is opened / closed by a drive device (not shown) and has a size approximately the same as a coin deposit / withdrawal slot of a normal cash transaction apparatus.

These shutter 21 and edge shutter 24
A double shutter is configured by the above. Reference numeral 27 denotes a coin insertion portion, which is formed larger than usual so that a large amount of coins inserted by a customer can be temporarily retained. Figure 4
FIG. 4 is an explanatory diagram showing a card according to the present embodiment.

Reference numeral 30 denotes a card as a transaction medium, and a customer's bank code, branch code, account number, etc., and a large deposit permission code, which is large deposit permission information, are recorded on the magnetic stripe as customer information. ing. The operation of the above configuration will be described. A special customer such as a store owner who wishes to make a large-scale deposit transaction makes a large-scale deposit contract with a financial institution and receives the card 30 and a passbook as a transaction medium from the financial institution when the contract is established.

Further, in the case of a special customer who is permitted to make a large deposit transaction, if the cash automatic transaction apparatus 2 is within the operating hours, the cash automatic transaction apparatus 2 can be used even if it is outside the business hours of the financial institution. A contract is made to enable the deposit transaction used. Further, in the card 30 and the passbook, a large deposit permission code shown in FIG. 4 is recorded on the magnetic stripe as customer information.

The transaction medium is not limited to the card 30 and the passbook described above, and may be an information recording medium such as an IC card or a smart card. In this case, the large deposit permission information or the like is recorded in the recording section of the information recording medium. Figure 5
3 is a flowchart showing a deposit transaction according to this embodiment. An example of the case where the customer makes a deposit transaction using the card 30 according to the step shown by S in FIG. 5 will be described below.

In step S1, a transaction selection screen is displayed on the screen of the customer operation unit of the automatic teller machine 2. In the case of the present embodiment, the customer selects “deposit” on the touch panel of the customer operation unit 7. S2, the control unit 4 receiving this signal displays a screen prompting the insertion of the card 30 or the passbook as the transaction medium, and the customer follows the instruction to insert the card 30 and / or the passbook into the card insertion slot 8a of the card insertion unit 8 or It is inserted into the passbook insertion slot 9a of the passbook entry unit 9.

At this time, the control section 4 causes the card insertion section 8 to read the customer information recorded on the magnetic stripe of the card 30. If a passbook is inserted, the passbook entry unit 9 also reads customer information recorded on the magnetic stripe of the passbook. In step S3, the control unit 4 confirms whether or not the large transaction authorization code is included in the customer information, and the coin deposit / withdrawal port 11a.
Is selectively opened and closed by the double shutter, the process proceeds to step S4 when the large transaction permission code is included, and to step S5 when the large transaction permission code is not included.

In step S4, the control unit 4 displays a large deposit screen on the screen of the customer operation unit 7 that prompts the user to deposit cash and displays a large deposit limit amount, and at the same time opens the banknote deposit / withdrawal port 10a. A double shutter provided at the coin depositing / dispensing port 11a by a driving device (not shown), that is, both the shutter 21 and the small-edge shutter 24 are pulled in the direction of arrow A shown in FIG. 1 to be opened, and the respective depositing / dispensing ports are opened. .

The customer deposits banknotes into the banknote deposit / withdrawal port 10a.
The coin is loaded into the coin deposit / withdrawal port 11a by opening a storage bag or the like. In step S5, the control unit 4 displays a petition deposit screen on the screen of the customer operation unit 7 that prompts the user to deposit cash and displays the petition deposit limit amount, etc., and at the same time opens the bill deposit / withdrawal port 10a and performs a drive (not shown). With the device, only the shutter 21 of the coin deposit / withdrawal port 11a is pulled in the direction of the arrow A to open it,
Open each deposit / withdrawal port.

The customer deposits banknotes into the banknote deposit / withdrawal port 10a.
The coin is inserted into the coin insertion opening 26 provided in the small edge shutter 24 of the coin deposit / withdrawal opening 11a. At this time, if it is desired to collect coins that have been inserted due to mistakes in the coins to be deposited, etc., insert a hand through the coin insertion slot 26 and take out the wrong coins. In this case, if the workability of the customer is poor due to the fact that the coin slot 27 is deep, etc., the coin is temporarily retained in the coin slot 27 by pressing the "return" button provided on the small deposit screen. The inserted coins may be conveyed to the coin return port 11b and discharged.

At step S6, when the cash has been inserted, the control unit 4 closes the banknote deposit / withdrawal port 10a and the coin deposit / withdrawal port 11a to remove the bills and coins temporarily retained in the banknote deposit / withdrawal port 10a and the coin depositing unit 27. The banknote deposit / withdrawal unit 10 and the coin deposit / withdrawal unit 11 discriminate, count, and store in the temporary storage unit. In S7, when the cash counting is completed, the control unit 4 displays a deposit amount confirmation screen displaying a message prompting confirmation of the amount and deposit on the screen of the customer operation unit 7.

The customer presses the "confirmation" button or the "return" button displayed on the deposit amount confirmation screen on the touch panel of the customer operation unit 7. S8, the control unit 4 determines the content of the pressed button,
If the "confirm" button is pressed, go to step S9,
If the "return" button is pressed, the process proceeds to step S12.

In step S9, the control unit 4 which receives the signal indicating that the "confirm" button has been pressed performs the deposit transaction processing with the host computer 1. That is, the control unit 4 draws out the customer's cash stored in the temporary storage unit and stores it in the storage unit for bills and coins, and at the same time, attaches the deposit amount to the customer information read from the card to create a telegram, and communicates it. It is transmitted to the host computer 1 via the communication line by the unit 5.

The host computer 1 that receives the electronic message
From the customer information of the electronic statement, the customer file stored in the database 3 is referenced to identify the customer, the deposit balance of the account number is updated, and when the processing is completed, the automatic transaction apparatus 2 is controlled as a message to that effect. Send to part 4. S10, the control unit 4 receiving this sends the content to be printed on the transaction statement to the card insertion unit 8 and prints the content on the transaction statement. Alternatively, if a passbook is inserted, the contents of the passbook are entered in the passbook by the passbook entry unit 9.

In step S11, the control unit 4 displays a screen prompting the user to receive the card and the transaction statement, or the card and the passbook, and discharges them through the card insertion slot 8a or the passbook insertion slot 9a so that the customer receives them. The deposit transaction ends. In step S12, the control unit 4 that has received the signal indicating that the "return" button has been pressed performs cash return processing.

That is, the customer's cash stored in the temporary holding section is taken out, conveyed to the banknote deposit / withdrawal port 10a and coin deposit / withdrawal port 11a, and the respective deposit / withdrawal ports are opened in the same manner as in step S4. At the same time, the card or passbook is discharged through the card insertion port 8a or the passbook insertion port 9a. In addition, a screen for prompting the receipt of these is displayed on the screen of the customer operation unit 7, and the customer receives them and the cash return processing ends.

In this case, the bill deposit / withdrawal port 10a and the coin deposit / withdrawal port 11a are released for both the large deposit and the small deposit as in step S4. At the end of the deposit transaction or the cash return process, the control unit 4 confirms the receipt of the customer and returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 7, and enters the standby state.

As a result, it is possible to realize an automatic teller machine which can handle both large deposits and small deposits, and to improve the efficiency of the installation place. In addition, a special customer such as a shop owner can deposit a large amount of cash even at night and can immediately make a payment. Also,
As a result, it is possible to prevent the occurrence of troubles due to the disagreement of deposit amounts.

Further, the transaction statement and the entry in the passbook are automatically carried out, and it is not necessary to return the storage device thrown into the night safe, and the time spent by the person in charge for a large deposit transaction is reduced. Therefore, it is possible to reduce the burden on the person in charge and improve the work efficiency of transaction processing. It should be noted that coins may be stored in a coin storage box by storing all denominations in a mixed manner, but by sorting and storing each denomination, later sorting work can be omitted, The work efficiency can be further improved.

FIG. 6 is a sectional perspective view showing another mode of the coin deposit / withdrawal port 11a. The same parts as those in FIG. 1 are designated by the same reference numerals and the description thereof will be omitted. Reference numeral 40 denotes a coin insertion slot provided in the small edge shutter 24, and is formed in a size such that a coin can be inserted. In the case of the small edge shutter 24 provided with the coin insertion opening 40, both double shutters are opened when it is necessary to eject the coin due to an error in the insertion of the coin, a return processing of the deposited coin, or the like.

Alternatively, in the case of mistaken insertion of a small deposit coin, by pushing the "return" button provided on the small deposit screen, the coin temporarily retained in the coin insertion portion 27 is transferred to the coin return port 11b. Transport and discharge.
As a result, it is possible to call a general individual's attention when a coin is inserted, and it is possible to prevent foreign matter from being inserted.

In the example shown in FIG. 6, two coin insertion ports 40 are provided in order to efficiently insert small coins, but they may be one or three or more. Also,
Although the coin insertion slot 40 is illustrated as being integrally formed with the small edge shutter 24, it may be formed in a similar shape by providing a partition by another member at the center of the large opening.

[0038]

As described above, according to the present invention, the automatic teller machine is provided with the large coin deposit / withdrawal port having the double shutter and the large transaction permission information is recorded in the transaction medium. It is possible to realize an automatic teller machine that can handle both deposits and small deposits.

[Brief description of drawings]

FIG. 1 is a sectional perspective view showing a coin depositing / dispensing port according to an embodiment.

FIG. 2 is a block diagram showing an automated teller machine according to an embodiment.

FIG. 3 is a perspective view showing an automated teller machine according to an embodiment.

FIG. 4 is an explanatory diagram showing a card according to an embodiment.

FIG. 5 is a flowchart showing a deposit transaction according to an embodiment.

FIG. 6 is a sectional perspective view showing another aspect of the coin depositing / dispensing port.

[Explanation of symbols]

1 Host computer 2 cash automatic transaction device 3 database 4 control unit 5 Communication unit 6 memory 7 Customer operation section 8 Card insertion part 8a Card insertion slot 9 Passbook entry section 9a Passbook insertion slot 10 Banknote deposit / withdrawal unit 10a Banknote deposit / withdrawal port 11 coin deposit and withdrawal department 11a coin deposit / withdrawal port 11b Coin return slot 21 shutter 22, 25 groove 23 opening 24 small shutter 26,40 coin slot 27 coin insertion section 30 cards

Claims (3)

[Claims] 1. A cash automatic transaction apparatus comprising a transaction medium reading unit for reading a customer's transaction medium and a coin depositing / dispensing unit, wherein the transaction is performed based on customer information recorded in the transaction medium. An automatic teller machine, characterized in that a large coin deposit / withdrawal port having a double shutter is provided in and a large deposit acceptance information is recorded in the transaction medium. 2. The double shutter according to claim 1, wherein the double shutter is a shutter and a shutter having a small opening, and in the case of a large deposit, the shutter and the small opening are opened based on the large deposit permission information. An automatic teller machine that opens the shutter only for small deposits. 3. A cash automatic transaction apparatus program comprising a transaction medium reading unit for reading a transaction medium of a customer and a coin depositing / dispensing unit, and performing a transaction based on customer information recorded in the transaction medium. The control unit of the device, the reading means for reading the large deposit permission information recorded on the transaction medium, and the coin by the double shutter provided in the coin deposit / withdrawal port of the coin deposit / withdrawal unit based on the large deposit permission information. A program for an automatic teller machine, which functions as an opening / closing means for selectively opening / closing a deposit / withdrawal port.