JP2007065849A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent generation of a jam by making a processing speed low when the transaction number of bills is not more than a prescribed number, making the processing speed low in a night transaction, and also making the processing speed low about a device having little operation frequency. <P>SOLUTION: This automatic transaction device 1 allowing a reception transaction, a payment transaction, and a transfer transaction or the like of cash by operation of a customer has a processing speed setting means. In the automatic transaction device, the processing speed can be set to a low speed on the basis of data inputted by the processing speed setting means. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus capable of changing the processing speed depending on the number of processed bills, transaction time, installation location, and the like.

The banknote transport speed in automatic transaction equipment has been greatly increased, which depends on the discrimination speed of the discrimination section that determines authenticity, but speeding up is the switching of the transport speed, transport length, and switching blade of the transport path. Speed influences (for example, refer patent document 1).
Japanese Patent Laid-Open No. 5-319682

However, the increase in the conveyance speed in the above-described conventional technology has a problem that the occurrence rate of jam increases with the increase in the switching speed of the conveyance path and the switching blade.
When such an accident occurs, it is sufficient that a staff member is in the vicinity, but if the person is not present, the operation of the apparatus is stopped, and further, the customer is kept waiting in that state.

An object of the present invention is to solve such a problem.
Therefore, the present invention pays attention to the fact that the probability of a jam increases as the speed of the apparatus increases, and when the number of bills is less than a predetermined number, the processing speed is slowed down, and nighttime trading is also slowed down. Another object of the present invention is to prevent the occurrence of a jam by reducing the processing speed even for an apparatus with a low operating frequency.

  Therefore, the present invention has a processing speed setting means in an automatic transaction apparatus capable of performing a cash deposit transaction, a withdrawal transaction, a transfer transaction, etc. by a customer's operation, and based on data input by the processing speed setting means. The processing speed can be set to a low speed.

  In the present invention as described above, attention is paid to the fact that the rate of occurrence of jam is higher as the processing speed is higher. For example, when low speed operation is possible depending on the handling amount (number of sheets), handling time, installation location, etc. In addition, by setting the low-speed mode at a processing speed slower than the normal processing speed, an effect that the occurrence of jam can be reduced is obtained, and as a result, the reduction in the operation rate due to the suspension of the apparatus is reduced. Is obtained.

  Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a control block diagram showing the first embodiment, and FIG. 2 is an explanatory diagram of an apparatus example.
In the figure, reference numeral 1 denotes an automatic transaction apparatus, which can perform cash deposit transactions, withdrawal transactions, transfer transactions, and the like by customer operations.
Reference numeral 2 denotes a card insertion / discharge port which accepts insertion of a card by a customer's operation and discharges the inserted card for return to the customer. Further, there may be a case where a statement slip on which transaction details are printed is also discharged from the card insertion / discharge opening.

Reference numeral 3 denotes a banknote deposit / withdrawal port which accepts banknotes inserted by customers and delivers banknotes to be dispensed to customers.
Reference numeral 4 denotes a coin deposit / withdrawal port, which accepts coins input by customers and also delivers coins to be dispensed to customers.
Reference numeral 5 denotes a passbook insertion / discharge port which accepts insertion of a passbook by a customer's operation and discharges the inserted passbook to return it to the customer.

  Reference numeral 6 denotes a customer operation display unit, which is a transaction selection screen for guiding a customer's input operation and the like by arranging a touch panel or the like for receiving input by a customer's operation on a display panel such as a CRT (Cathode Ray Tube) or a liquid crystal display. The input information is displayed. Further, the customer operation display unit can detect an input operation performed by the customer with a touch panel and output a predetermined signal.

On the transaction selection screen, when a transaction button such as "withdraw", "deposit", or "transfer" is pressed, the press is detected and a predetermined signal is output to execute the transaction desired by the customer. can do.
Reference numeral 7 denotes a host computer, which is installed in an office center of a financial institution such as a bank, and has arithmetic and control means such as a CPU (Central Processing Unit) and MPU (Micro Processing Unit), a storage means such as a magnetic disk and a semiconductor memory, and The communication means is connected to the automatic transaction apparatus 1 via the communication line 8 so as to be able to communicate with each other, and exchanges transaction messages such as deposits, withdrawals, transfers, etc. with the automatic transaction apparatus 1. It is determined whether or not the transaction is to be closed. Moreover, the personal identification which confirms that the customer who receives the account number and the personal identification number and operates the automatic transaction apparatus 1 is the person is performed.

Reference numeral 9 denotes a card reading / printing unit which reads account information such as an account number from a magnetic stripe or IC chip of a card inserted by the customer through the card insertion / ejection slot 2 and details the transaction performed by the customer. And the card and statement slip are discharged from the card insertion / ejection slot 2.
Reference numeral 10 denotes a banknote deposit / withdrawal machine, which stores the banknotes inside the apparatus and deposits / withdraws the banknotes specified by the touch panel after verifying the authenticity of the banknotes inserted from the banknote deposit / withdrawal port 3 and denomination. Drain into the mouth 3. Therefore, money type safes such as the banknote discriminating section, temporary holding section, “thousand yen”, “5,000 yen”, and “10,000 yen” are connected by a transport path, and each of them is sorted or fed out by a switching blade. Or

Reference numeral 11 denotes a bankbook unit, which prints transaction details on a bankbook inserted by the customer through the bankbook insertion / extraction port 5, discharges the bankbook from the bankbook insertion / discharge port 5, and returns it to the customer.
Numeral 12 is an clerk operation display unit, on which a touch panel or the like for receiving input by a customer's operation is arranged on a display panel such as a CRT (Cathode Ray Tube) or a liquid crystal display, and an operation screen and an input for guiding the customer's input operation and the like The displayed information and the like are displayed, and an input operation performed by an attendant can be detected by a touch panel and a predetermined signal can be output.

  In addition, as shown in FIG. 3, operation buttons such as “Numeric keypad”, “Limit amount setting”, “Time setting”, “Low speed”, “Normal speed”, “End setting” are displayed on the operation screen. When the button is selected and pressed, the pressing is detected and a predetermined signal is output, so that an operator can perform an operation desired, and the processing speed can be set based on the input data. Means.

Reference numeral 13 denotes a control unit, and the operation of the entire automatic transaction apparatus including the customer operation display unit 6, the card reading / printing unit 9, the banknote depositing / dispensing machine 10, the bankbook unit 11 and the clerk operation display unit 12 is stored in the storage unit 14. Control based on software.
The storage unit 14 stores, for example, a control program, determination data such as a limit set number of sheets and a set time, and the like.

Therefore, for example, when the customer inputs the withdrawal amount, the control unit 13 transmits the card information, the password, and the amount to the host computer 7, and the control unit 13 returns from the storage unit 14 by returning a transaction permission from the host computer 7. The transaction is executed by reading and judging the data.
The operation of the above configuration will be described.

The operation of each unit described below is controlled by the control unit 13 based on software (program) stored in the storage unit 14 as described above.
An explanation will be given by taking an example of speed reduction by the limit set number of sheets.
The clerk sets a low speed by the clerk operation display unit 12. This is done by displaying an operation screen on the clerk operation display unit 12 and inputting the set number. The setting process will be described with reference to the flowchart of FIG.

A1. “Limit amount setting” displayed on the touch panel is pressed, a set amount (for example, 500,000 yen) is input using the “numeric keypad”, and then “low speed” is input.
A2. When the input is completed, the limit set amount (500,000 yen) is saved in the control program of the storage unit 14, and the setting is completed.
When the limit is set in this way, when the number of processed sheets is less than the set amount (number of sheets), the bill conveyance speed becomes “low speed”. This low speed is a predetermined speed.

When returning to the normal operating speed, the normal operating speed is restored by pressing “normal speed”.
A case where the customer performs a withdrawal transaction in the apparatus in which the limit set number of sheets is set in this way will be described.
If the customer inputs an amount of money of 300,000 yen, the bill conveyance speed is processed at a low speed because it is less than the limit set amount of money. If the customer inputs 1 million yen, the processing time becomes longer. It will be processed at normal speed.

Taking such a withdrawal transaction as an example, the transaction will be described below using the flowchart of FIG.
The customer operates according to the procedure displayed on the customer operation display unit in the same manner as in the conventional automatic transaction apparatus, and the operation procedure is exactly the same as in the past.
S1. Select a withdrawal transaction.
S2. A card is inserted into the card insertion / ejection slot 2.
S3. Enter your PIN.
S4. Enter the withdrawal amount.
S5. It is determined whether or not the input amount is equal to or less than the set amount stored in the storage unit 14. If the amount is less than the limit set amount, the process proceeds to S6.
S6. The bill conveyance speed is set to operate in the low speed mode.
S7. The bill transport speed is set to the normal speed mode.
S8. Communicate transaction details such as password and withdrawal amount to the host computer 7.
S9. Bills are counted and conveyed in the speed mode set in S6 or S7.
S10. The counted withdrawal amount is discharged to the banknote deposit / withdrawal port 3 and the card (with the transaction statement if necessary) is discharged to the card insertion / discharge port 2.

The customer retrieves the banknote, card and transaction statement and ends.
As described above, in this embodiment, the case where processing is performed at a low speed based on the transaction amount (number) has been described. However, for example, the processing may be set so as to be performed at a low speed depending on the transaction time.
It is possible to perform stable operation of the device by switching to a low-speed mode in which jamming is unlikely to occur because there is a case where an attendant is absent when a failure due to jam occurs at night. Because.

The setting in that case can also be performed by pressing “set time” on the operation screen of the clerk operation display unit, inputting the mode start time and end time using the “numeric keypad”, and subsequently inputting “low speed”. .
Furthermore, in the case of an unmanned store or a device with a small number of installations or a low frequency of use, it is possible to operate at a low speed by previously setting the processing speed mode of the device to “low speed”.

In addition, although the above description demonstrated the payment | withdrawal process, it can carry out similarly also about a payment process.
According to the present invention as described above, attention is paid to the fact that the higher the processing speed is, the higher the occurrence rate of the jam is. For example, when low speed operation is possible depending on the handling amount (number of sheets), handling time, installation location, etc. In addition, the effect of reducing the occurrence of jam can be obtained by setting the low-speed mode at a processing speed slower than the normal processing speed. As a result, the reduction in the operation rate due to the suspension of the apparatus is reduced.

Control block diagram showing an embodiment Illustration of device example Explanatory drawing showing an example of the operation screen on the staff operation display Flow chart explaining speed setting Flowchart explaining withdrawal transaction

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Card insertion discharge port 3 Banknote deposit / withdrawal port 4 Coin deposit / withdrawal port 5 Passbook insertion / discharge port 6 Customer operation display part 7 Host computer 8 Communication line 9 Card reading / printing part 10 Banknote depositing / withdrawing machine 11 Passbook part 12 Person in charge Operation display unit 13 Control unit 14 Storage unit

Claims (4)

In automatic transaction equipment that can perform cash deposit transactions, withdrawal transactions and transfer transactions by customer operation,
An automatic transaction apparatus comprising a processing speed setting means and capable of setting a processing speed to a low speed based on data input by the processing speed setting means. 2. The automatic transaction apparatus according to claim 1, wherein the processing speed setting condition is a processing amount. 2. The automatic transaction apparatus according to claim 1, wherein the processing speed setting condition is a time zone. 2. The automatic transaction apparatus according to claim 1, wherein a setting condition of a processing speed is set as an installation location.