JP2006313398A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent an illicit transaction which can be caused when a shutter for a service port is not opened in cash payment transaction. <P>SOLUTION: The automatic teller machine for paying cash according to a customer's operation comprises a cash storage storing cash, a carrying passage carrying the cash delivered from the storage; the service port temporarily setting the cash carried by the carrying passage for paying the cash to the customer; the movable shutter covering the service port; a shutter driving motor moving the shutter; a first sensor detecting that the shutter is in an open state; a cash taking mechanism feeding cash present in the service port to the carrying passage; and a control part controlling at least the cash taking mechanism based on a detection signal from the first sensor. The control part drives the cash taking mechanism according to the detection signal from the first sensor and feeds back the cash present in the service port to the carrying passage. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic teller machine, and more particularly, to handling control of banknotes resulting from opening and closing of a shutter at a cash reception port of a cash dispenser having a mechanism for dispensing banknotes.

  When a customer operates an automatic cash payment deposit apparatus (ATM) or an automatic cash dispenser (CD) using a card, banknotes are deposited and paid. Normally, banknotes for payment are stored in storages in ATMs according to denominations, and banknotes are drawn from the related storages to the transport path according to the amount of payment, and are provided on the customer's operation surface. It is discharged to (also called a discharge port). Then, the customer service shutter is opened, and the customer can get cash of the payment amount specified by the customer.

  By the way, cash discharged to the customer service may be illegally received due to a malfunction of the shutter at the customer service or an intentional unauthorized operation. Measures are taken to prevent this situation.

  For example, in Japanese Patent Laid-Open No. 2000-293726 (Patent Document 1), in an automatic transaction apparatus that performs a preceding counting transaction, that is, a bill feeding operation and a person's confirmation process at the same time, the shutter of the customer service port is illegally opened. A technique for preventing a situation in which a banknote discharged to a customer service opening is pulled out regardless of the result of the person's confirmation is disclosed. That is, a sensor for detecting the closed state of the shutter and an alarm sound generator are provided, and an alarm is generated by the alarm sound generator when the sensor detects the open state of the shutter before the payment transaction is permitted.

  Japanese Patent Laid-Open No. 8-44935 (Patent Document 2) provides a shutter with a sensor for detecting when an external force exceeding a predetermined external force is applied to the shutter. A technique is disclosed in which when a breakage is detected, a bill sent to the customer service port is taken and stored in a denomination cassette (paragraphs 0019 and 0057).

JP 2000-293726 A JP-A-8-44935 (paragraphs 0019 and 0057)

  By the way, recently, there has been an accident in which an unauthorized person illegally withdraws cash by tampering with a shutter at the customer service door with adhesive to prevent the shutter from being opened. In this accident, a legitimate customer who does not know the situation that the shutter was not opened opened a series of payment transactions, and as a result, the shutter was not opened at the stage of getting cash. For example, while going away from the ATM location to the bank branch counter, for example, the fraudster uses a tool to pry the shutter open and illegally steal banknotes that are discharged and held at the customer service entrance. is there.

  However, since the technique of the above-mentioned patent document 1 is based on the premise of detecting the open state of the shutter, it is not a countermeasure against this type of accident. Moreover, since the technique of the said patent document 2 has detected that the shutter itself was destroyed by the external force with the sensor, it cannot cope with the said accident example in which there is no abnormality in the shutter itself.

  An object of the present invention is to provide an automatic cash transaction apparatus capable of preventing an unauthorized transaction that may occur when a customer service shutter is not opened during a cash payment transaction.

  In the present invention, when the customer service shutter is not opened at the time of cash payment, the cash fed to the customer service is taken into the apparatus.

The automatic cash transaction apparatus according to the present invention is preferably a cash automatic transaction apparatus that pays cash according to a customer's operation, and a cash storage that stores cash, and a conveyance path that conveys the cash fed out from the cash storage In order to pay the customer cash, a customer service port for temporarily setting the cash transported from the transport path, a movable shutter that covers the customer service port, a shutter drive motor that moves the shutter, and a shutter A first sensor for detecting the closed state, a cash take-in mechanism for sending cash in the customer service port to the transport path, and a control unit for controlling at least the cash take-in mechanism based on a detection signal from the first sensor The control unit is a cash automatic transaction apparatus that drives the cash taking-in mechanism in accordance with the detection signal of the first sensor and sends the cash present at the customer service port to the transport path.
In a preferred example, the cash take-in mechanism is configured to include a feed roller that sends cash at a customer service opening and a roller drive motor that drives the feed roller, and is connected to a conveyance path for temporarily holding cash. The cash stored in the temporary storage and fed by the feed roller is transported through the transport path and held in the temporary storage.
Preferably, the control unit recognizes that the cash payment permission message sent from the host computer is received, controls the shutter drive motor, and controls the drive so as to open the shutter.
In one example, the control unit further includes a second sensor that detects that the shutter is in an open state, and a third sensor that detects that the cash at the customer service port has been withdrawn by the customer. Recognizes that the cash has been paid according to the detection signals from the second and third sensors.
In one example, the first sensor and the second sensor are arranged at positions where the shutters face each other.

  This invention is also grasped | ascertained as the handling method of the banknote in an automatic teller machine. That is, a bill handling method in an automatic teller machine that pays bills according to customer operations, and at the time of payment transaction, bills drawn from a bill storage where bills are stored are sent to a customer service port and temporarily held After receiving the payment permission information from the host computer, controlling the shutter to open the shutter installed at the customer service, and opening the shutter in spite of the control to open the shutter. A method of handling banknotes, comprising: a step of detecting that there is no sensor; and a step of transporting a banknote temporarily held in the customer service port from the customer service port through a transport path and holding it in a predetermined place according to a detection signal of the sensor It is.

  ADVANTAGE OF THE INVENTION According to this invention, when the shutter of a customer service opening does not open at the time of cash payment, an illegal transaction can be prevented by taking in the cash in a customer service account inside the apparatus.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a side view showing the configuration of an ATM, and shows the configuration of a bill handling mechanism (referred to as BRM) that mainly handles bills.
The right side of this figure hits the front side of the ATM and faces the user side. A customer service port 10 is arranged at the upper part of the front surface of the ATM. In the case of ATM, the customer service port 10 has functions of a bill depositing and dispensing unit. A shutter 101 is attached to the upper mouth of the service opening 10 so as to be openable and closable, and a push plate 102 is movably provided therein. A sensor for detecting the closed state of the shutter is disposed at the end of the mouth of the customer service port 10. The customer service port 10 is provided with a mechanism for depositing / withdrawing bills and various sensors. These detailed configurations will be described later with reference to FIG.

  In the ATM banknote handling mechanism, a transport path 11 is connected to the customer service port 10, and the other end of the transport path 11 stores a banknote storage 14 for storing a plurality of types of banknotes consisting of denominations of thousand yen bills and 10,000 yen bills. Are connected. In the illustrated example, the banknote storage 14 is a detachable cassette 141 for replenishing and collecting banknotes by an attendant, a thousand-yen box 142 for collecting thousand-yen bills used for depositing / withdrawing, and one used for depositing / withdrawing. 10,000 yen bill 143 that collects 10,000 yen bills and 5,000 yen bills and 2,000 yen bills that cannot be used for withdrawal, and thousand yen bills and 10,000 yen bills that are not suitable for recirculation due to dirt etc. A non-refluxing chamber 144 is provided.

The banknotes sent out from the banknote storage 14 are transported on the transport path 11 and sent to the customer service port 10. The banknotes deposited from the customer service port 10 are transported on the transport path 11 and stored in any one of the banknote storage boxes 14. The arrows in the figure indicate the conveyance direction of banknotes associated with deposit / withdrawal transactions.
On the transport path 11, the discrimination unit 12 that discriminates and discriminates denominations and authenticity such as a thousand yen bill and 10,000 yen bill, and the discrimination unit 12 is passed until the customer approves the deposit amount. A temporary storage 13 for temporarily storing banknotes is arranged.

FIG. 2 is a control block diagram of ATM.
In ATM20, the control part 21 controls the whole ATM20, transfers the data regarding transaction with the host computer 29, and performs various data processing regarding cash transaction. Therefore, although not shown, the control unit 21 includes a processor (CPU) and a memory.

  The control unit 21 includes a card / detail slip processing mechanism 22, a bill handling mechanism 23, an operation unit 241 having a touch input mechanism, a customer operation unit 24 having a display unit 242 such as a liquid crystal display, an interface unit 25, a staff operation unit. 26, units such as a hard disk device (HDD), an external storage unit 27, and a power supply 28 are connected, and data and control information relating to transactions are transferred between them.

  The card / detail slip processing mechanism 22 is a mechanism that accepts a customer's card, reads and writes information in the recording section of the card, and prints and discharges information associated with the transaction on a statement slip. The banknote handling mechanism 23 transports banknotes for deposit / withdrawal processing of banknotes, and stores and sets them in a required place. The customer operation unit 24 displays guidance regarding the transaction on the display unit 242, and inputs customer instructions and selections from the operation unit 214. The clerk operation unit 26 is a dedicated operation unit that is operated by a clerk when, for example, a failure occurs in an ATM. The external storage unit 27 stores a program for controlling the ATM and stores data related to transactions. The interface unit 9 is connected to a host computer 29 in a calculation center of a financial institution and exchanges necessary data with the ATM 20.

FIG. 3 is a side view showing details of the configuration of the customer service port 101.
The shutter 101 is mounted so as to be movable in the direction of the arrow a above the service port 10, and is in the position of the shutter 101 when it is in the closed state and at the position of the shutter 101 ′ (indicated by a broken line) when it is in the open state. is there.

  The pressing plate 102 is configured to be movable in the direction of the arrow b, and is a member that presses the banknote set in the customer service port and presses the banknote against the transport roller. At the time of depositing, it is in the illustrated push plate position 102, but at the time of withdrawal, it moves to the position of the push plate 1021 and opens the stacker port for the banknote for withdrawal. Further, when the banknote is collected, the banknote is moved to the position of the push plate 1022 and moved to the collection position.

  The sheet roller 311 is a roller for feeding the banknote into the customer service port 10 from the conveyance path 11 when the banknote is withdrawn, and the feed roller 312 is a roller for feeding the banknote to the conveyance path 11 when depositing and collecting the banknote. . The motor 32 is a motor for opening and closing the shutter 101 provided at the customer service port. Further, a motor for driving the pressing plate 102 and a motor for driving the sheet roller 311 and the feed roller are provided, but the illustration is omitted.

A plurality of sensors and switches are arranged at the customer service port 10 in order to detect movement of various mechanisms.
Each of the sensors 340 to 352 is an optical sensor, and is disposed at various places as a sensor having a light emitting unit and a light receiving unit. The sensor 340 is a sensor (shutter opening sensor) that detects that the shutter is completely opened, and detects that the shutter 101 has moved and is at the position of the shutter 101 ′. The sensor 341 is a sensor that detects that the shutter is locked. The sensor 342 is a sensor (shutter closing sensor) that detects that the shutter is closed, and detects that the shutter 101 is at the position of the shutter 101 without moving. In this embodiment, the shutter open sensor 340 and the shutter close sensor 342 are arranged at the end portions of the shutter 101 facing each other, and the detection signals of these sensors 340 and 342 are used meaningfully.

  Sensors 343 to 345 are sensors that detect bills remaining in the customer service port 10, the sensor 343 detects the upper portion of the bill, the sensor 344 detects the middle portion of the bill, and the sensor 345 detects the lower portion of the bill. To do. It is determined whether or not the banknote in the customer service opening 10 has been removed by the customer according to the detection signals of these sensors 343 to 345. Further, it is determined that the banknotes in the customer service port 10 are collected in the ATM, for example, transported through the transport path 11 from the service customer port 10 and sent to the primary storage 13 according to the detection signals of these sensors 343 to 345.

  Sensor 346 is a sensor that detects that push plate 102 is in the dispensing position, sensor 348 is a sensor that detects the presence or absence of a banking separation outlet biting part, and sensor 349 is an abnormally separated banknote, for example, a banknote with skew. The sensor 350 is a sensor that detects abnormally separated banknotes, for example, a sensor that detects shifts, and the sensor 351 is a sensor that detects the residual of abnormally separated banknotes. The sensor 352 is a sensor that detects that a banknote has passed through the stacker inlet when the banknotes are stacked, and the sensor 347 is a sensor that detects the presence or absence of banknotes remaining at the stacker inlet. The shutter lock switch 361 is a mechanical switch that releases the shutter lock. The shutter lock switch 361 automatically locks the shutter 101 when the shutter 101 is completely closed.

Next, with reference to FIG. 4, the transaction processing operation in ATM is demonstrated.
When a customer selects a payment transaction from the operation unit 241 of the customer operation unit 24 in an ATM transaction (401), the control unit 21 detects this and prompts the user to insert a card and to input a password. The screen is displayed on the display unit 242. The customer inserts the card into the card / detail processing mechanism 22 (402), and inputs the password from the operation unit 241 (403). Subsequently, the payment amount is input from the operation unit 241 in accordance with the guidance to input the input amount (404).

  The control unit 21 collects the customer's card information (including account information) read by the card / detail processing mechanism 22 and the information related to the PIN number and the payment amount input from the operation unit 241. A request message is transmitted from the interface unit 25 to the host computer 29 (4051), and communication processing with the center is performed (405).

  The center host computer 29 checks the transaction contents (payment transaction), card information (account number information, etc.), PIN number, and payment amount sent from the ATM. If the result is correct, a transaction permission message is sent to the ATM. If it is not correct, a rejection message is sent to ATM. If it is correct, the customer's account balance is updated.

  When the ATM receives a response message from the center (4052), the control unit 21 determines whether the center response is permitted (406). If the result of this determination is that the transaction is rejected, the processing proceeds to transaction cancellation processing (421), the control unit 21 drives the card / detail slip processing mechanism 22, returns the card (4211), and further via the interface unit 25. Then, a cancel message is transmitted to the host computer 29 (4212). By receiving the cancellation message, the host computer 29 recognizes that the transaction by the customer has been canceled and ended.

  On the other hand, if the result of the determination of the response message from the center (406) is that the transaction is permitted, the control unit 21 controls the bill handling mechanism 23 to transfer the bill of the amount specified from the selected bill storage 14 to the transport path 11. (407). Then, the banknote is sent on the conveyance path 11 and sent from the sheet roller 311 to the customer service port 10 and set there.

Then, the control unit 21 issues a command to the shutter drive motor 32 to open the shutter 101 (408). The shutter drive motor 32 drives and moves the shutter 101. At this time, the control unit 21 determines whether or not the shutter 101 has been opened based on detection signals from the shutter open sensor 340 and the shutter close sensor 342 (409).
If an open state detection signal is received from the shutter open sensor 340, the control unit 21 recognizes “shutter open”. Thereafter, based on the detection signals from the sensors 345, 344, 343, it is detected that the banknote has been extracted from the customer service port 10 (410). When the withdrawal of the banknote is detected, the control unit 21 issues a command to the shutter drive motor 32 to drive the shutter 101 to close. When the shutter closing sensor 342 detects the closing of the shutter 101, it sends a detection signal to the control unit 21.
In parallel with the control for closing the shutter 101, the control unit 21 drives the card / detail slip processing mechanism 22 to eject the card and statement slip (411). This completes a series of payment transactions.

  On the other hand, in the determination of the opening of the shutter (409), when the control unit 21 receives the detection signal of the closed state from the shutter close sensor 342 without the detection signal indicating the open state from the shutter open sensor 340, the shutter 21 It is determined that a failure has occurred in the bill handling mechanism 23 due to the closed state, and the operation proceeds to the retreat operation of the remaining bill (431). The retreating operation of the remaining banknote is a control operation for taking in and holding the banknote temporarily set in the service port 10 from the service port 10 into the ATM. That is, the sheet roller 312 is driven, and the bill is fed out from the customer service port 10 to the conveyance path 11. And it is conveyed to the temporary storage 13 and hold | maintained there.

  Subsequently, the control unit 21 moves to a transaction cancellation process (432), and puts the ATM into a state where the handling is stopped. This canceling process is the same as the canceling process 421 described above, and the control unit 21 drives the card / detail slip processing mechanism 22 to return the card (4321) and further via the interface unit 25 to the host computer. A cancel message is transmitted to 29 (4322).

The retraction operation of the remaining banknote is an operation at the time of failure, and a signal indicating the occurrence of failure is transmitted to an ATM operation monitoring destination, for example, a monitoring PC (personal computer). The staff member who knows that the failure has occurred, for example, opens the front panel of the ATM that has been suspended, and collects the banknotes held in the temporary storage 13.
It will be understood that the above-described control operation can prevent an unexpected situation caused by the state where the shutter 101 is not opened despite the payment mode.

  As mentioned above, although one Example which applied this invention to ATM was described, this invention is not limited to an above-described Example, It can implement variously. For example, in the embodiment shown in FIG. 3, the place where various sensors are arranged is an example, and is not limited to the above. If each sensor can achieve its intended purpose, the place where the sensors are arranged can be changed to a place where they can be easily mounted.

  Moreover, this invention is applicable not only to ATM like the said Example but another cash transaction apparatus which has a cash payment function, for example, a cash dispenser. Of course, the cash can be applied not only to banknotes but also to a cash transaction apparatus having a payment port for handling coins.

The side view which shows the structure of ATM. The block diagram which shows the structure about control of ATM. The side view which shows the structure of the customer service port. The flowchart which shows the flow of the payment transaction process in ATM.

Explanation of symbols

10: Service entrance 11: Transport path 12: Identification part 13: Temporary storage 14: Bill storage
21: Control unit 23: Bill handling mechanism 29: Host computer 101: Shutter 102: Push plate
311: Sheet roller 312: Feed roller 32: Shutter drive motor
340: Shutter open sensor 342: Shutter close sensor

Claims (10)

In an automatic teller machine that pays cash according to customer operations,
A cash storage for storing cash, a transport path for transporting cash delivered from the cash storage, and a customer service for temporarily setting the cash transported from the transport path to pay the customer cash A mouth, a movable shutter that covers the service opening, a shutter drive motor that moves the shutter, a first sensor that detects that the shutter is in a closed state, and transports cash at the service opening A cash take-in mechanism that feeds into the road, and a control unit that controls at least the cash take-in mechanism based on a detection signal from the first sensor;
The automatic cash transaction apparatus, wherein the control unit drives the cash taking-in mechanism according to a detection signal of the first sensor, and sends the cash present in the customer service port to the transport path. The cash take-in mechanism is configured to include a feed roller that sends cash at the customer service port, and a roller drive motor that drives the feed roller, and
A temporary storage unit connected to the transport path for temporarily holding cash is provided, and the cash sent by the feed roller is transported through the transport path and held in the temporary storage unit. The automatic teller machine of Claim 1 to do. The control unit recognizes that a cash payment permission message sent from a host computer has been received, controls the shutter drive motor, and controls the drive to open the shutter. 2 automatic teller machines. And a second sensor for detecting that the shutter is in an open state, and a third sensor for detecting that the cash at the customer service outlet has been withdrawn by a customer. The cash automatic transaction apparatus according to any one of claims 1 to 3, wherein it recognizes that cash has been paid in accordance with detection signals from the second and third sensors. 5. The automatic teller machine according to claim 4, wherein the first sensor and the second sensor are arranged at positions where the shutters face each other. A method of handling banknotes in an automatic teller machine that pays banknotes according to customer operations,
At the time of payment transaction, sending the banknotes drawn out from the banknote storage where the banknotes are stored to the customer service port and temporarily holding them,
After receiving payment permission information from the host computer, controlling and driving to open a shutter installed at the customer service opening; and
A step of detecting by a sensor that the shutter does not open despite the control of opening the shutter; and
In accordance with the detection signal of the sensor, the banknote temporarily held in the customer service port is transported from the customer service port through a transport path and held in a predetermined place;
A bill handling method characterized by comprising: When the bill is allowed to be paid, the sensor issues a detection signal for detecting that the shutter is in a closed state, and the control unit drives and controls the feed roller in accordance with the detection signal so that the bill at the customer service port is The bill handling method according to claim 6, wherein the bill is fed into a transport path. The second sensor detects that the shutter is in the open state, the third sensor detects that the cash at the customer service port has been withdrawn by the customer, and the detection signals from the second and third The control part recognizes that the payment operation | movement of the banknote was performed according to this, The handling method of the banknote of Claim 6 or 7 characterized by the above-mentioned. 9. The bill handling method according to claim 6, wherein a detection signal from the sensor is determined after the shutter is driven by a shutter drive motor. The banknote handling method according to claim 6, wherein when the banknote is stored in a predetermined place, a message indicating that the payment transaction has been canceled is transmitted to the host computer.

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