JP2004334600A - Apparatus for automatic transaction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an apparatus for automatic transaction which enables a customer riding on a wheel chair to take out a coin easily from the outlet of a coin changer without suffering from any difficulty to use a normal coin changer. <P>SOLUTION: The apparatus for automatic transaction comprises the outlet of the coin changer and an outlet of a rejector for rejecting an uncountable foreign matter which is installed at the front side of the apparatus, and enables the direction of an outlet for the coin to be selected in the direction of either the outlet of the coin changer or the outlet of the rejector for rejecting the foreign matters. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an automatic transaction apparatus that automatically performs transactions with customers, such as an automatic transaction apparatus installed in a financial institution or the like.
[0002]
[Prior art]
In a conventional automatic transaction device, a coin receiving / dispensing port having a box-shaped recess capable of inserting and discharging a plurality of coins collectively at the top is provided, and regular coins inserted into the coin receiving / dispensing port are discriminated by a discriminating unit or the like. The trader discriminates, counts, conducts transactions, and guides foreign substances such as rings and the like other than regular coins inserted into the coin deposit and withdrawal port and coins inserted into the banknote deposit and withdrawal port to the foreign substance return port by the discharge chute to the customer. (See, for example, Patent Document 1).
[0003]
[Patent Document 1]
JP-A-11-272912 (mainly on page 4)
FIG. 1)
[0004]
[Problems to be solved by the invention]
However, in the above-described conventional technology, the operability of the automatic transaction apparatus is set on the basis of a healthy person. For example, when a customer using a wheelchair such as a physically handicapped receives cash, a bill deposit and withdrawal port is required. And the coin deposit and withdrawal slot are located at a relatively high position in the back of the device, so it is necessary to receive cash almost in a groping state. Is time consuming.
[0005]
In addition, in the case of such a customer, there is a problem that coins are easily left behind from a coin-in / pay-out port having a box-shaped concave portion because it is difficult to recognize the customer. The present invention has been made in order to solve the above problems, and it is easy to take out coins even for a customer who has difficulty in taking out coins from a normal coin depositing / dispensing port such as a customer using a wheelchair. An object is to provide an automatic transaction device.
[0006]
[Means for Solving the Problems]
The present invention, in order to solve the above problems, in an automatic transaction device having a coin deposit and withdrawal port, and a foreign substance return port for returning foreign substances that cannot be counted to the customer, the foreign substance return port is disposed on the front side. The coins to be discharged to the customer can be discharged to one of the coin depositing / dispensing port and the foreign substance return port.
[0007]
BEST MODE FOR CARRYING OUT THE INVENTION
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 flowchart showing a coin discharging process according to an embodiment of the present invention, FIG. 2 is a perspective view showing an automatic teller machine of the embodiment, FIG. 3 is a block diagram thereof, and FIG. FIG. 5 is a schematic front view showing the machine.
[0008]
2 and 3, reference numeral 1 denotes a cash automatic transaction device as an automatic transaction device installed at a bank branch or the like of a financial institution, which is installed at a center of a financial institution and has a customer account number, its password, It is connected via a communication line to a host computer (not shown) that manages the customer's account based on customer information such as account balance.
Reference numeral 2 denotes a main controller of the automatic teller machine 1, which controls each unit in the automatic teller machine 1 and also controls data communication with a host computer (not shown).
[0009]
Reference numeral 3 denotes a storage unit such as a hard disk device, which stores a program executed by the main control unit 2, a processing result by the main control unit 2, and the like.
Reference numeral 4 denotes a timer unit that measures a time and the like used by the main control unit 2 for control.
Reference numeral 5 denotes a main power supply unit, which is supplied with electric power from the outside of the automatic teller machine 1, and supplies power to the main control unit 2 of the automatic teller machine and each component device.
[0010]
Reference numeral 6 denotes a customer operation unit, which is composed of a combination of a display screen such as a CRT or an LCD and a touch panel or the like, and displays a transaction selection screen, a screen for inquiring of a customer's request, a screen for prompting a customer's treatment, and the like. On the other hand, an input from a customer is received by a touch panel or the like.
Reference numeral 7 denotes a clerk operation unit, which is provided on the back side of the automatic teller machine 1 and is composed of a combination of a display screen such as a CRT or LCD and a touch panel or the like. And turning on and off the power supply, and setting of a transaction mode of the automatic teller machine 1, and display of trouble information when a trouble such as a jam occurs.
[0011]
Reference numeral 8 denotes a card handling machine, which reads and writes card information such as account information recorded on a magnetic stripe of a transaction card such as a customer's cash card inserted from the card insertion slot 8a and prints a transaction statement. And is operated by electric power supplied from the main power supply unit 5 to the power supply unit 8b.
Reference numeral 9 denotes a passbook handling machine which reads and writes passbook information such as account information recorded on a magnetic stripe of the customer's passbook as a transaction medium inserted from the passbook insertion slot 9a, and records transaction contents and the like in the customer's passbook. It is operated by the power supplied from the main power supply unit 5 to the power supply unit 9b.
[0012]
Reference numeral 10 denotes a banknote pay-in / pay-out device, which has a function of receiving bills input by a customer through a banknote pay-in / pay-out port 10a, discriminating, counting and storing the bills, and discharging bills to be paid out to the customer through the banknote pay-in / payout port 10a. It is operated by the power supplied from the main power supply unit 5 to the power supply unit 10b.
Reference numeral 11 denotes a coin depositing and dispensing machine, which has a function of receiving coins inserted by a customer through a coin depositing and dispensing port 11a, identifying, counting, storing, and discharging coins to be dispensed to the customer from the coin depositing and dispensing port 11a. The operation is performed by the power supplied from the main power supply unit 5 to the power supply unit 11b.
[0013]
Reference numeral 12 denotes a foreign object return port, which is disposed on the side (referred to as the front surface) closest to the customer on the side operated by the customer of the automatic teller machine 1, and has deformed coins, foreign coins, and clips inserted into the coin deposit / withdrawal port 11a. In addition, foreign substances such as rings that cannot be counted are returned to the customer.
The position where the foreign object return port is arranged is such that the right wheel of the wheelchair contacts the front of the automatic teller machine 1 in order to operate the automatic teller machine 1 with the right hand if the customer using the wheelchair is, for example, right-handed. In the case of a left-handed customer, in consideration of the case of a left-handed customer, the cash automatic transaction apparatus 1 can be disposed at a position slightly higher than the height of the wheelchair wheel at the substantially central portion in the width direction of the front surface. desirable.
[0014]
Reference numeral 13 denotes a customer detection unit, which includes an optical type customer detection sensor 13a, detects the approach of the customer to the automatic teller machine 1, and transfers a customer detection signal to the main control unit 2.
Power for operating the storage unit 3, the timer unit 4, the customer operation unit 6, the staff operation unit 7, and the customer detection unit 13 is supplied from the main control unit 2.
4 and 5, reference numeral 14 denotes a receiving tray for the coin receiving / dispensing port 11a, which is formed in a shape having a substantially semi-cylindrical concave portion capable of accommodating a plurality of coins. The coin is detected and received by the insertion detection sensor 16, and the coins to be paid out to the customer are temporarily held.
[0015]
Reference numeral 17 denotes an opening / closing door, which is installed at a lower portion of the pan 14 and opens two substantially arc-shaped plates on both sides to open a hole provided at a lowermost portion of the pan 14, and connects the two plates to a central portion. The hole of the saucer 14 is closed by contacting the same, and usually the hole of the saucer 14 is closed.
Reference numeral 18 denotes a payout unit, which has a function of opening the opening / closing door 17 from the tray 14 to receive the dropped coins, and paying out the coins to the discriminating unit 19 for discrimination and counting, and paying out foreign substances and desired customers. A discharge door 20 for discharging coins such as change to the foreign matter return port 12 is provided.
[0016]
Reference numeral 21 denotes a coin storage, which has a function of storing coins discriminated and counted by the discriminating unit 19 and conveyed by the coin conveyance path 22 by denomination, and feeding coins to be paid out to the customer to the coin conveyance path 22. are doing.
Reference numeral 23 denotes a discharge passage, which is a passage that leads to a collection box 24 forgetting foreign matter and the like discharged from the discharge door 20 of the feeding section 18.
[0017]
Reference numeral 25 denotes a switching blade, which is provided in the middle of the discharge passage 23, and is configured to switch to the collection box 24 or the discharge shooter 26 while forgetting foreign matter or the like falling in the discharge passage 23.
Reference numeral 27 denotes a lifter, which conveys foreign substances and the like detected by the discharge detection sensor 28 and conveyed to the discharge shooter 26 to the foreign substance return port 12 and discharges them.
[0018]
The input detection sensor 16 and the discharge detection sensor 28 are arranged, for example, with a light emitting unit and a light receiving unit facing each other, and detect that a coin or a hand as a detection target blocks light from the light emitting unit with the light receiving unit. This is an optical detection sensor.
Note that a similar return detection sensor 29 is also installed in the foreign matter return port 12, and detects that the customer has received a foreign matter or the like.
[0019]
The operation of the above configuration will be described.
Hereinafter, an example of a case where a customer such as a physically handicapped person or a sick person using a wheelchair uses a flow chart shown in FIG.
Note that the automatic teller machine 1 of the present embodiment is not specially installed for a customer who uses a wheelchair, but is similar to a normal automatic teller machine 1 installed for use by healthy persons. belongs to.
[0020]
At the start of the financial institution or the like, the staff of the financial institution turns on the power to the automatic power transaction apparatus 1 to the main power supply unit 5 by the attendant operation unit 7, and supplies power to the main control unit 2 and the power supply units 8b, 9b, 10b, Power is supplied to 11b.
As a result, a business execution program for executing various transaction processes stored in the storage unit 3 of the automatic teller machine 1 is automatically started.
[0021]
S1, when the business execution program is started, the main control unit 2 starts waiting in a customer waiting state waiting for the customer detection sensor 13a of the customer detection unit 13 to detect a customer, and a customer detection signal is transmitted from the customer detection unit. Then, the process proceeds to step S2.
S <b> 2, the main control unit 1 having detected the visit of the customer displays a transaction selection screen on the screen of the customer operation unit 6.
[0022]
On the transaction selection screen, the words to prompt the user to press the transaction button and a "withdraw" button for withdrawal transaction, a "deposit" button for deposit transaction, a "transfer" button for transfer transaction, etc. A transaction button for selecting a transaction is displayed.
In the present embodiment, the customer selects a withdrawal transaction from the screen of the customer operation unit 6 and presses a “transfer” button on the touch panel.
[0023]
S3, the main control unit 2 detecting this by a position signal or the like from the touch panel displays a “card transfer” button for selecting a transfer by a transaction card on the screen of the customer operation unit 6, and a “card transfer” button for selecting a transfer by cash. A payment method selection screen displaying a "cash transfer" button is displayed.
In the present embodiment, the customer presses a “cash transfer” button to make a cash transfer.
[0024]
S4, the main control unit 2 recognizing the transfer method executes a transfer transaction process.
In the present embodiment, since the "cash transfer" button is pressed, the following describes the cash transfer transaction processing. However, when the "card transfer" button is pressed, the normal transaction card transfer processing is performed. Is executed.
The main control unit 2 recognizing the cash transfer transaction displays a transfer destination input screen for inputting a transfer destination on the screen of the customer operation unit 6, and the customer follows the screen, and the name of the financial institution or the name of the branch, Enter the payee information such as the payee account number and payer information such as the payer name and its contact information, and press the "confirm" button.
[0025]
The main control unit 2 that has recognized the input of the transfer destination displays a screen for prompting the input of the transfer amount on the screen of the customer operation unit 6, and when the customer inputs the transfer amount, the main control unit 2 executes the operation of the customer operation unit 6. A confirmation screen of the input contents is displayed on the screen, and the customer confirms the displayed contents and presses a “confirm” button.
When the main control unit 2 detects that the “confirmation” button is pressed, the main control unit 2 displays on the screen of the customer operation unit 6 a message that prompts the user to input a transfer amount and a transfer fee, as well as the shutter 15 of the coin receiving / dispensing port 11 a and the bill receiving / dispensing port. Release 10a.
[0026]
When a customer inserts a bill or a coin into the tray 14 of the bill depositing / dispensing port 10a or the coin depositing / dispensing port 11a, respectively, the main control unit 2, which detects this by the insertion detecting sensor 16, sets the shutter 15 of the coin depositing / dispensing port 11a and the bill. The deposit / withdrawal port 10a is closed, the bill depositing / dispensing machine 10 discriminates and counts the bill by the discriminating unit, calculates the deposit amount of the bill, and opens and closes the opening / closing door 17 in the coin depositing / dispensing machine 11. The coin inserted into the receiving tray 16 is dropped into the payout unit 18, sent out to the discriminating unit 19, the coins are discriminated and counted by the discriminating unit 19, the coin deposit amount is calculated, and the total amount and the like are calculated by the customer operation unit 6. Display on the screen.
[0027]
When the user confirms the displayed amount or the like and presses the “confirm” button, the main control unit 2 that detects this confirms the deposited bills and coins in the respective storages such as the coin storage 21.
After storing the cash, the main control unit 2 displays a standby request screen for prompting the user to wait for a while on the screen of the customer operation unit 6, while paying the transferred money amount, transferee information, payer information, and transfer fee. A transaction message is created by attaching such information, and transmitted to the host computer.
[0028]
The host computer that has received the transaction message requests the financial institution of the transfer destination information included in the transaction message to transfer the transfer amount, and the host computer that has completed the transfer reports that the transfer transaction has been completed as a transaction result message. It transmits to the automatic teller machine 1.
S5, the main control unit 2 of the automatic teller machine 1 that has received the transaction result message confirms that the transfer transaction has been completed based on the transaction result message, and prints the contents of the transfer transaction on a transaction statement using the card handling machine 8. On the other hand, when change is required, the banknotes of the change are accumulated in the banknote pay-in / pay-out port 10a by the banknote pay-in / pay-out device 10 and temporarily stored.
[0029]
When coins are required as change, the main control unit 2 counts the coins from the coin storage 21 by the coin depositing / dispensing machine 11 and feeds out the coins to the coin transport path 22, and accumulates them in the tray 14 of the coin depositing and dispensing port 11a. To suspend.
S6, the control unit 2 that has temporarily held the change proceeds to step S8 when coins need to be ejected, and proceeds to step S7 when coins do not need to be ejected.
[0030]
S7, the main control unit 2 displays a screen for prompting receipt of the change and the transaction statement on the screen of the customer operation unit 6, and opens the banknote deposit / withdrawal port 10a to deliver the temporarily held change banknote to the customer. At the same time, the transaction statement is discharged by the card handling machine 8, and it is confirmed that the customer has received the transaction slip, the transfer transaction is completed, and the process returns to step S1 to wait in a customer waiting state.
[0031]
S8, the main control unit 2 which determines that coins need to be discharged displays a discharge destination selection screen shown in FIG.
On the discharge destination selection screen, a word such as that a discharge destination for discharging coins can be selected and a “front discharge” button for front discharging the coin to the foreign substance return port 12 on the front of the automatic teller machine 1 as a selection button In addition, a “normal discharge” button for discharging and discharging the coins to and from the normal coin depositing / dispensing port 11a is displayed.
[0032]
The customer presses the "front discharge" button when he wants to discharge the coin to the foreign matter return port 12, and presses the "normal discharge" button when he wants to discharge the coin to the normal coin deposit and withdrawal port 11a.
If the main control unit 2 recognizes that the selection button has not been pressed even after a certain period of time has passed by the timer unit 4, the main control unit 2 determines that “normal discharge” has been pressed and proceeds to step S9. Transition.
[0033]
S9, the main control unit 2 proceeds to step S11 when the "front discharge" button is pressed, and proceeds to step S10 when the "normal discharge" button is pressed.
S10, the main control unit 2 recognizing the normal discharge of coins displays a screen prompting receipt of the change and the transaction statement on the screen of the customer operation unit 6, and hands over the temporarily held change bills and coins to the customer. For this purpose, the shutter 15 of the coin receiving / dispensing port 11a and the bill receiving / dispensing port 10a are opened, and the transaction card is discharged by the card handling machine 8.
[0034]
After that, the main control unit 2 confirms that the customer has received them by the input detection sensor 16 or the like, ends the transfer transaction, returns to step S1, and stands by in a customer waiting state.
S11, the main control unit 2 recognizing the front discharge of the coin displays a screen for prompting receipt of the change and the transaction statement on the screen of the customer operation unit 6, and delivers the temporarily held change bill to the customer. The banknote pay-in / pay-out port 10a is opened, and the transaction statement is discharged by the card handling machine 8.
[0035]
In parallel with this, the main control unit 2 opens the opening / closing door 17 of the change coins temporarily held in the receiving tray 14 of the coin depositing / dispensing machine 11 to discharge the coins to the front side, and drops the coins into the feeding unit 18. The switching blade 25 is switched to the discharge chute 26 to open the discharge door 20 and discharge coins to the discharge passage 23.
The coin discharged to the discharge passage 23 is guided to the discharge shooter 26 by the switching blade 25, and the main control unit 2 confirms that all the coins have passed by the discharge detection sensor 28, and reaches the lower part of the lifter 27. Are sequentially transported by the lifter 27 and discharged to the foreign matter return port 12.
[0036]
As a result, coins to be discharged to the customer can be discharged from the foreign substance return port 12.
Thereafter, the main control unit 2 confirms that the customer has received the change or the transaction statement by the return detection sensor 29 or the like, ends the transfer transaction, returns to step S1, and stands by in a customer waiting state.
[0037]
In this case, the customer may be notified by voice that the change coin has been discharged to the foreign matter return port 12.
In step S4, when the customer inserts a coin into the receiving tray 14 and simultaneously inserts a deformed coin or the like as a foreign object or a clip, if the inserted foreign object is a deformed coin or the like, the feeding unit 18 The deformed coins dropped into the discriminating section 19 are discriminated by the discriminating section 19 and conveyed to the tray 14 by the coin conveying path 22, and after all the deformed coins are accumulated, dropped again to the feeding section 18. I do.
[0038]
When the input foreign matter is a clip or the like, the clip or the like dropped to the feeding section 18 stays in the feeding section 18 without being fed.
Then, the main control unit 2 confirming that the foreign substances have been accumulated in the feeding unit 18 discharges the foreign substances to the foreign substance return port 12 and returns them to the customer in the same manner as in step S11.
In the normal discharging operation in step S10, when the customer forgets to take the coins accumulated in the tray 14 of the coin depositing / dispensing port 11, that is, even if a certain time has elapsed by the insertion detecting sensor 16, the customer can receive the coins. If it cannot be confirmed, the main control unit 2 drops the coins staying in the tray 14 to the feeding unit 18, forgets the switching blade 25, switches to the collection box 24, opens the discharge door 20, and opens the discharge passage 23. The forgotten coins are ejected, and the forgotten coins are collected and stored in the forgotten collection box 24.
[0039]
Further, in step S8, it has been described that the discharge destination selection screen is displayed to allow the customer to select the discharge destination of coins to be discharged to the customer. However, a customer detection sensor 13a and a camera (not shown) are provided as customer recognition means, and the customer It is also possible to automatically select a coin discharge destination by recognizing the customer's condition such as the height of the user and being a wheelchair user. Thereby, the convenience of the customer can be further improved.
[0040]
In this case, the display of the discharge destination selection screen in step S8 may be omitted.
Furthermore, the foreign matter return port 12 of the present embodiment has been described as returning to the customer the uncountable foreign matter inserted into the coin deposit and withdrawal port 11a. The foreign substance return port 12 which also serves to return foreign substances that cannot be counted to the customer may be used.
[0041]
As described above, in the present embodiment, coins are discharged to the foreign matter return port arranged on the front of the automatic transaction device by the customer's selection, so that coins can be transferred from the coin deposit and withdrawal port of a customer using a wheelchair. Even if a customer has difficulty in picking up coins, it is possible to improve the operability of picking up coins in a normal automatic transaction device, improve the operation efficiency of a normal automatic transaction device, and improve visibility. It is possible to improve and prevent forgetting to take coins.
[0042]
In addition, since the selection of the coin discharge destination can be selected on the screen of the customer operation unit, the selection of the discharge port is facilitated, and the convenience of the customer can be improved.
In the above embodiment, the case of the transfer transaction has been described as an example, but the same applies to the case where coins need to be discharged in the case of a withdrawal transaction or a currency exchange transaction.
In this case, the fact that the person is physically handicapped is additionally recorded in the card information of the transaction card, and the state of the customer is recognized by reading the card information as the customer recognition means, and the coins are rejected in the same manner as described above. The discharge destination may be selected.
[0043]
Further, the automatic transaction apparatus to which the present invention is applied has been described as a cash automatic transaction apparatus. However, the automatic transaction apparatus is not limited to the cash automatic transaction apparatus, and is operated by customers such as unmanned contract machines, automatic ticketing machines, vending machines, and the like. The present invention can be applied to any automatic transaction apparatus that performs transactions unattended.
[0044]
【The invention's effect】
As described above, according to the present invention, coins are discharged from a coin depositing / dispensing port of a customer using a wheelchair by discharging coins to a foreign substance return port arranged in front of the automatic transaction apparatus according to customer's selection. It is possible to obtain an effect that even a customer who has difficulty in taking out coins can easily take out coins from an ordinary automatic transaction apparatus.
[Brief description of the drawings]
FIG. 1 is a flowchart illustrating a coin discharging process according to an embodiment of the present invention. FIG. 2 is a perspective view illustrating an automatic teller machine according to an embodiment. FIG. 3 is a block diagram illustrating an automatic teller machine according to an embodiment. FIG. 4 is a schematic side view showing a coin depositing and dispensing machine according to an embodiment; FIG. 5 is a schematic front view showing a coin depositing and dispensing machine according to an embodiment; FIG. 6 is a display example of a discharge destination selection screen according to the embodiment; Description】
DESCRIPTION OF SYMBOLS 1 Automatic teller machine 2 Main control part 3 Storage part 4 Timer part 5 Main power supply part 6 Customer operation part 7 Staff operation part 8 Card handling machine 8a Card insertion slot 8b, 9b, 10b, 11b Power supply part 9 Passbook handling machine 9a Passbook Insertion slot 10 Banknote depositing / dispensing machine 10a Banknote depositing / dispensing slot 11 Coin depositing / dispensing machine 11a Coin depositing / dispensing port 12 Foreign matter return port 13 Customer detection unit 13a Customer detection sensor 14 Receiving tray 15 Shutter 16 Insertion detection sensor 17 Opening / closing door 18 Feeding unit 19 Identification Unit 20 discharge door 21 coin storage 22 coin transport path 23 discharge passage 24 forgetful collection box 25 switching blade 26 discharge shooter 27 lifter 28 discharge detection sensor 29 return detection sensor

Claims (3)

In an automatic transaction device with a coin deposit and withdrawal port and a foreign substance return port for returning foreign substances that cannot be counted to the customer,
The automatic transaction device, wherein the foreign matter return port is disposed on the front side, and a coin to be discharged to the customer can be discharged to one of the coin deposit and withdrawal port and the foreign substance return port. In claim 1,
An automatic transaction apparatus comprising a customer operation unit, wherein the discharge destination is selectably displayed on a screen of the customer operation unit. In claim 1 or claim 2,
An automatic transaction apparatus, comprising: customer recognition means for recognizing a state of a customer, wherein the customer recognition means automatically selects the discharge destination.

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