JP2008140262A - Paper sheet transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To stably operate a paper sheet transaction device without stopping the operation of the paper sheet transaction device by easily taking measures related to a false ticket or a true ticket having a risk of false identification. <P>SOLUTION: This paper sheet transaction system has: an identification part 112 acquiring information about a transacted paper sheet, deciding whether a peculiar characteristic of the paper sheet is present within a prescribed range or not, and deciding genuineness and the certainty of the genuineness of the paper sheet; a storage means storing specific information related to the paper sheet suspected that it is decided as the false ticket; and a management part generating the specific information stored in the storage means and performing the update processing of the specific information. When it is decided that the paper sheet is the true ticket or suspected of the false ticket as the result of the decision in the identification part 112, a pattern of the paper sheet of a transaction target is collated with a pattern of the paper sheet of the related specific information in reference to the storage means, and the management part stores the pattern of the paper sheet of the transaction target in the storage means as the specific information according to its result. The identification part 112 identifies the transacted bill by the use of the specific information stored in the storage means. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a paper sheet transaction system, and more particularly to processing related to authenticity determination of transaction banknotes such as banknotes or securities.

An automatic cash transaction apparatus (ATM (Automated Teller Machine)) that automatically performs transactions such as deposit and withdrawal of banknotes identifies the authenticity of banknotes that are deposited and withdrawn. In order to determine the authenticity of a banknote, it is usually determined in the identification unit including a plurality of types of sensors using the characteristic information of the banknote detected by each sensor. That is, the information acquired from the sensor is compared with the characteristic information of a genuine note serving as a reference that is set in advance, and if the two match as a result, the bill is determined to be true (hereinafter referred to as a genuine note), If they do not match, it is determined to be fake (hereinafter referred to as a fake ticket).
About the authenticity determination of the banknote in ATM, patent document 1 (Unexamined-Japanese-Patent No. 2003-281603) and patent document 2 (Unexamined-Japanese-Patent No. 2004-157624) are disclosed, for example.

  However, in general, ATM can easily deal with a large amount of cash at a time, so it is likely to be a suitable target for counterfeiters. Moreover, even if it is a genuine note, there is a possibility that it will eventually have false characteristics due to its use period or deterioration due to circumstances. For example, if such a problem occurs in a certain area, the ATM development and manufacturing company collects and analyzes data on banknotes distributed in that area, creates a program for solving the problem, and applies it to the system. You must take measures. Therefore, during the countermeasure period, the bank must stop the cash transaction system and suffer a disadvantage.

  As a countermeasure, for example, in Patent Document 3 (Japanese Patent Application Laid-Open No. 2005-208955), a threshold value setting program sets and changes a determination value serving as a reference for discrimination according to sensor variations and temperature / humidity environments. It is disclosed that the upper limit value and the lower limit value of the determination value are directly input and changed while referring to the frequency distribution of the determination value.

  However, in this prior art, in order to set the upper limit value and the lower limit value in the authenticity determination of banknotes, it is necessary to make a judgment with knowledge of parts and features related to each authenticity, A person with special knowledge must perform maintenance work, and measures are limited.

JP 2003-281603 A JP 2004-157624 A JP 2005-208955 A

In the determination of the authenticity of a bill, for example, in the case of a fake note that is elaborately manufactured to match the characteristic information of a reference genuine note, the bill is erroneously determined to be true in the authenticity determination. End up. On the other hand, even if it is a genuine note, if it does not match the characteristic information of the reference genuine note due to deterioration due to the period of use or usage situation, it is erroneous that the bill is false in the authenticity determination Make a decision.
In addition to the above factors, such a situation can be caused by various internal factors such as variations in the transport of banknotes, fluctuations in the output of sensors for collecting data used for identification, and environmental factors such as temperature and humidity. External factors are considered to be affected.

  An object of the present invention is to easily take measures against a counterfeit note or a genuine note that may be misidentified, and to operate it stably without stopping the operation of the paper sheet transaction apparatus.

The present invention is preferably a paper sheet trading system that automatically trades paper sheets according to a user's operation, acquires information on the paper sheets to be traded, and has unique characteristics of the paper sheets. To determine whether the sheet is within a predetermined range, and to determine the authenticity of the paper sheet and the authenticity of the paper sheet, and information on the paper sheet that is suspected of being determined to be a fake ticket by the identifying part. A storage unit that stores the specific information, and a management unit that creates specific information stored in the storage unit and updates the specific information. If it is determined that the paper is suspected of the ticket, refer to the storage means to check the pattern of the relevant specific information and the pattern of the paper to be traded. The management unit stores the specific information including the pattern of the paper sheet to be traded in the storage means. Configured as a paper sheet trading system to be.
In a preferred example, the management unit divides banknotes suspected of being counterfeit into one or a plurality of groups according to the denomination of the banknotes to be traded, and removes banknotes classified into groups. Specific information (hereinafter referred to as a template) including the part of the feature to be determined, the authenticity determination, and the pattern of the bill to be traded is automatically created, and the created template is stored in the storage means.

Preferably, the transaction state determination processing means for determining whether or not the transaction is normally performed from the processing result of the determination factor of the banknote, and if the identification unit detects an unauthorized banknote, the banknote is determined from the determination factor. Group determination processing means (referred to as group determination) for classifying into groups to which the above features belong.
Preferably, regarding the banknotes traded by the user, banknote patterns are accumulated and stored in the storage unit for each group classified by the group determination processing unit.
Preferably, according to the transaction up to the previous time, the information stored in the storage unit for each group classified by the group determination processing unit and the banknotes classified into the same group by the group determination processing unit in the current transaction The information on the banknotes is stored in the storage means according to the result of the processing by the group-by-group accumulation processing means.

Preferably, the group-by-group accumulating processing means collates for eliminating or accepting the banknotes classified into the group from the accumulated data of the banknotes according to characteristics for each group classified by the group determination processing means. The template to be subjected to the above is automatically created and stored in the storage means.
Preferably, the paper sheet transaction system includes an ATM that performs banknote transactions with a user, and a host computer connected to the ATM via a communication unit and having the storage unit and the management unit. Then, the ATM transmits information regarding the template to the host computer via the communication means.

Further, preferably, the storage means is a part of a feature to be subjected to authenticity determination, information indicating whether it is a genuine note determined to be a genuine note by authenticity determination and / or a genuine note determined to be a false ticket, And the information containing the pattern of the bill to be traded is memorized as the template.
In addition, preferably, the identification unit compares the feature acquired from the banknote that is the object of the user's transaction with the pattern stored as a template in the storage unit, so that it is determined to be a genuine note. It is determined whether it is a genuine ticket that is determined to be a ticket and / or a fake ticket.

According to the present invention, by automatically creating a template for eliminating counterfeit bills and applying it, it is possible to prevent counterfeit bill transactions in the automatic teller machine.
In addition, when a genuine note having the characteristics of a counterfeit note is circulated in a specific authenticity judgment for various reasons, and the return rate of the true note is increased by inserting the bill into an automatic teller machine. By applying a template for receiving the genuine note, the return rate of the genuine note can be improved. Thereby, it is possible to operate stably without stopping the operation of the paper sheet transaction apparatus.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 shows a configuration of a cash transaction system according to an embodiment.
A cash transaction system is a system that manages transactions such as deposits and withdrawals of money such as banknotes and transfers managed by a financial institution, and an automatic cash transaction apparatus such as ATM1 is a host computer (hereinafter simply referred to as a host) via a network 3. 2 is configured. Although FIG. 1 shows one ATM, a large number of ATMs 1 are actually connected to the host 1.

In this cash transaction system, when a counterfeit ticket that is mistakenly determined to be a genuine note is deposited, in order to eliminate the counterfeit note, information on a banknote suspected of being a counterfeit note is set as a template. Prevent deposit of fake tickets. In addition, even if the return rate of genuine bills increases due to the introduction of genuine bills with the characteristics of false bills in a specific authenticity judgment, a template for accepting the genuine bills is applied to The return rate can be improved.
In the following example, an example in which a template is applied to a deposit transaction will be described. However, it will be easily understood that the present invention can be applied not only to a deposit transaction but also to a withdrawal or transfer transaction.

The ATM 1 includes a main control unit 102, a communication unit 104, a time management unit 106, an operation unit 108, a bill handling unit 110, an identification unit 112, a card / passbook handling unit 114, and a storage unit 116.
Here, as shown in FIG. 2, the bill handling unit 110 includes a bill insertion unit 103 that accepts bills, a transport path 107 that transports bills, a temporary stacker unit 109 that temporarily stores bills, and bill storage that stores bills. It has each mechanism part of the storage 118-122.

  1 and 2, an operation unit 108 has a display unit such as a touch panel and an input unit, for example, displays guidance for transactions, guides the user's operation, and inputs the user for transactions. Accept the operation. The banknote handling part 110 performs conveyance of the banknote in ATM1, and deposit / withdrawal of a banknote. The identification unit 112 detects the authenticity of the inserted bill and the factor that is the basis for the determination. That is, the identification unit 110 includes a plurality of identification sensors 105, and each sensor reads and acquires characteristic information necessary for identifying a banknote.

The card / passbook handling unit 114 is a mechanism unit that handles cash cards and bankbooks, and includes a printing unit and a magnetic read / write mechanism. Information necessary for the cash card or passbook is printed by the printing unit, and information recorded on the magnetic stripe affixed to the cash card or passbook, such as an account number, is read by a magnetic read / write mechanism. The storage unit 116 stores various files and programs necessary for transactions.
The communication unit 104 performs communication such as transactions and data transmission with the host 2. The time management unit 106 has a timekeeping function and manages the current date and time.

  The main control unit 102 has a function of controlling each part of the ATM 1. Regarding the control of the operation unit 108, the main control unit 102 controls the display of transaction guidance and the input operation by the user, and acquires the user's name and contact information as user information. Moreover, it can also be controlled to display confirmation items regarding a transaction previously performed by the user.

  Here, the identification unit 112 receives a command from the main control unit 102 and performs a determination factor count process and a transaction state determination process. Although these processing operations will be described later, the determination factor counting process refers to a process of classifying and determining the determination factor for each part of the banknote or the type of authenticity determination as a result of the banknote determination in the identification unit 112. . Further, the transaction state determination process refers to a process for determining whether or not a transaction is normally performed from the result of the determination factor counting process.

The configuration of the host 2 will be described. The host 2 includes a main control unit 202, a communication unit 204, a transaction execution unit 206, a transaction information DB 208, a transaction history management unit 210, a template DB 212, and a template management unit 214.
The transaction execution unit 206 performs management and information processing related to transactions such as user deposits and withdrawals. For example, when depositing by operating ATM1, the update request from ATM1 is received, the account balance of transaction information DB208 is updated, and a deposit transaction is executed. The transaction information DB 208 stores transaction information regarding user information, financial institution number, account number, transaction date and time, balance, and the like. User information is personal information such as a user's name, address, and date of birth.
The transaction information management unit 210 manages the transaction information DB 208 and updates the transaction information DB 208.

The template DB 212 stores countermeasure templates. The template management unit 214 manages the template DB 212 and updates the template DB 212. Here, the countermeasure template refers to a template for excluding or accepting a transaction banknote classified into a pattern belonging to a certain group from the characteristic-specific transaction banknote accumulation data for each pattern classified by the banknote determination process. In addition, the group determination process refers to a process of classifying a pattern to which a characteristic of the banknote belongs from the determination factor when it is detected that an illegal transaction banknote is used. As will be described later with reference to FIG. 4, the determination of the denomination number “1” includes three groups of patterns 1 to 3 and is classified into one of the three groups by the group determination process.
The main control unit 202 performs overall control of each unit configured in the host 2. The communication unit 204 performs communication such as transactions and data transmission with the ATM 1 via the network 3.

FIG. 3 is a diagram showing a part for discriminating and discriminating bills.
In this example, seven parts (true / false 1 to true / false 7) indicating the characteristics of the banknote acquired by the sensor are determined in advance for identification of the banknote.
In determining the banknote, a pattern serving as a template is set by combining a plurality of parts selected from true / false 1 to true / false 7. A plurality of types of patterns can be set and pattern numbers 1 to n can be assigned to one amount of banknotes. FIG. 4 shows a set pattern number and a plurality of authenticity h, j, k, etc. as constituent elements belonging to each pattern number.
The authenticity of the banknote is determined by selectively using a plurality of different patterns (different pattern numbers) consisting of a plurality of parts set as described above, and verifying the genuine parts included in each pattern. To do.

FIG. 4 shows an example of the storage format of the template DB 212.
The template DB is a DB that stores in advance information on banknotes suspected of fake bills as template DB information (hereinafter simply referred to as a template). As shown in the figure, the template includes a denomination number, a pattern number, the number of transactions of the banknote having the pattern, the authenticity of the banknote on which the template is created, the constituent elements in the determination factor counting process, and cumulative data.

  Here, the denomination means a plurality of denominations, for example, banknote types such as 1,000 yen, 5,000 yen, and 10,000 yen. The denomination number “1” is, for example, 1,000 yen. In this example, only a template with a denomination of 1,000 yen is shown, but actually, a plurality of types of templates such as 5,000 yen and 10,000 yen are stored in the template DB 212. The pattern number is a number that is set for each denomination and that identifies the type of pattern that is a combination of parts as shown in FIG.

The number of transactions refers to the number of transactions of banknotes having each pattern. True or false indicates, for example, whether the number of transactions of pattern number 1, 2, 3 of denomination number 1 is true, false, or all 13 times. A component is a component of a pattern, and specifically shows the site | part of FIG. 3 which comprises a pattern. Accumulated data refers to data obtained by accumulating the characteristics of banknotes classified into corresponding patterns, specifically, image patterns of banknotes. The accumulated data may be a representative banknote pattern for each pattern number, or a plurality of banknote patterns.
When a counterfeit ticket that is erroneously determined to be a genuine note is traded, or when a genuine note having the characteristics of a false note is traded in a certain authenticity determination, this template is processed by a processing operation (FIG. 6) described later. The template information stored in the DB 212 is updated.

FIG. 5 shows a distribution map of the authenticity determination results.
In FIG. 5, a region A is a distribution region where it is determined that the traded banknote is a genuine note with no suspicion of a fake note. In the region B, the banknotes that are traded belong to the distribution area of genuine bills, but the distribution is determined to be a banknote that remains suspected of being counterfeit because it shows a distribution close to the threshold for authenticity determination. It is an area. Here, the region B is classified into B (H) and B (L). B (H) is a value distributed near the maximum value of the threshold, and B (L) is a value distributed near the minimum value of the threshold. For this reason, the banknotes distributed in the regions B (H) and B (L) are managed separately as banknotes that may have different characteristics although they are in the allowable range A.

In addition, the region C is further outside the region B and belongs to a fake note distribution region, but shows a distribution close to the threshold for authenticity determination, so that the bill is suspected of being a genuine note. This is a distribution area to be determined. The region C is also classified into C (H) and C (L). C (H) is a value distributed near the maximum value of the threshold, and C (L) is a value distributed near the minimum value of the threshold. Therefore, banknotes distributed in these areas are distinguished and managed as banknotes that may have different characteristics.
Area D is an area belonging to the distribution area of counterfeit bills. Since this area shows a distribution far from the threshold value, it is determined that the area is completely counterfeit.

Note that FIG. 5 shows a distribution of determination results in one true / false determination, and in fact, a plurality of true / false determinations have independent determination result distributions.
In the banknote identification process, out of each authenticity determination, all the elements are genuine bills, that is, all bills are genuine bills that obtain a determination value distributed in the A or B region. The other is determined to be a fake ticket.

What is characteristic in the present embodiment is that the banknote data is accumulated to automatically create a template for countermeasures, and the determination values distributed in the regions B and C among a plurality of authenticity determinations as the target. The information of the banknote having “” is registered in advance and it is updated.
The reason is that, when a template for accepting a bill that shows a characteristic that is too far away from a genuine note is created and applied, the possibility of erroneous discrimination for accepting a fake note may increase. On the other hand, if a template for eliminating banknotes with no suspicion of counterfeit bills is created and applied, the possibility of misclassification that eliminates true bills may increase.

Here, the setting of each area in FIG. 5 is performed by setting the value of the result of investigating and analyzing the characteristics of banknotes in advance. As a result of a certain authenticity determination for a banknote, when it is distributed to B (H) / B (L), C (H) / C (L), a discrimination process is performed by a command from the main control unit 102 as a determination factor count process In this case, the authenticity determination element that is the basis for each banknote is counted and managed.
Then, as the group determination process, when the banknote is a genuine note or a counterfeit note, the most relevant group (FIG. 4) is divided into patterns from the components of the true / false determination cited in the determination factor counting process. Pattern number group).

  Here, the components of the group to be classified are pre-existing when banknotes having the same components as the pattern are traded by presetting the pattern of the counterfeit ticket expected to be traded. Classify as a pattern. Moreover, when the banknote of the pattern which is not preset is traded, it memorize | stores in template DB212 as a new pattern after that.

Next, the group determination process will be conceptually described with reference to examples shown in FIGS.
For example, in denomination 1, seven types of authenticity determination shown in FIG. The template DB 212 stores accumulated data of patterns 1 to 3 as a template of denomination 1. Here, the banknote classified into the pattern 1 was traded 10 times in the past. It is the data of a genuine note that is suspected of being a fake ticket, and the constituent elements of the authenticity determination that became the determination factor are the determination result distributed in B (H) of true / false 1 and B ( L) and a determination result distributed to B (L) of true or false 3. The other constituent elements, that is, the determination values of true / false 4 to true / false 7, are banknotes distributed in the area A.

  Similarly, the banknote classified into the pattern 2 has been traded seven times in the past, which is data of a genuine note suspected of being a fake ticket. The components of the true / false determination that are the determination factors have a determination result distributed to B (L) of true / false 5 and a determination result distributed to B (L) of true / false 7 and other The authenticity determination value is a banknote distributed in the area A.

  Moreover, the banknote classified into the pattern 3 is the data of the fake note suspected to be a genuine note that has been traded 13 times in the past. The constituent elements of the true / false determination that are the determination factors have a determination result distributed to C (H) of true / false 2 and a determination result distributed to C (H) of true / false 6 and true / false 7 has a determination result distributed in B (L), and other authenticity determination values are banknotes distributed in the region A.

Next, a transaction operation in the cash transaction system will be described with reference to FIG.
The processing operation of this transaction system is executed by the cooperation of the ATM1 processing operation and the host 2 processing operation.
First, the user of ATM1 inserts a cash card or bankbook into the card / passbook handling unit 114 of ATM1 at the time of transaction for depositing, for example (S10). The card / passbook handling unit 114 reads the account number recorded on the magnetic stripe of the passbook or cash card, and confirms the identity of the user based on the read account number (S20). Here, as a method of identity verification, there are a method of collating a personal identification number input from the operation unit 108 with a personal identification number set in advance, a method of detecting a user's biometric information, and a method of authenticating the individual. . As a result of the identity verification, if the identity is confirmed (S20 / Yes), the read account number is transmitted to the host 2 via the communication unit 104, and the transmission of user information is requested (S30). .
When the host 2 receives the request for user information, the transaction information management unit 210 searches the transaction information DB, reads the user information corresponding to the account number, and transmits it to ATM 1 (S40).

  When the ATM 1 receives the user information transmitted from the host 2, the ATM 1 displays transaction guidance on the operation unit 108 and prompts the user to insert a bill from the bill insertion unit 103 (S 50). The inserted banknote is conveyed through the conveyance path of the banknote handling unit 110 to the identification unit 112, where it is subjected to identification processing (S60). In the identification process, a plurality of true / false determinations are performed in accordance with detection data from a plurality of sensors. The bill is judged as a genuine note or a fake note (S70) by summing up all the results in the plurality of authenticity determinations.

  Here, in order to be determined to be a genuine note (S70 / Yes), in all authenticity determinations, results distributed in the region A indicated by the allowable range in FIG. 5 must be obtained. Further, it is determined that the ticket is a fake ticket (S70 / No) when at least one of the authenticity determinations is obtained as a result distributed in the reject areas B to D of FIG.

  When it is determined that the bill is a genuine note (S70 / Yes), a determination factor counting process is performed, and it is counted whether there is anything distributed in the region B among the respective authenticity determinations (S80). Here, when the determination result is distributed in the region A as a result of all the authenticity determinations (S80 / Yes), the bill is stored in the storage unit 116 as an unquestionable genuine note. The banknote is stored in any of the banknote storage boxes 120 to 124 by denomination (S150-1).

  On the other hand, in the authenticity determination (S70), if there is even one determination result distributed in the region B (S80 / No), the authenticity determination that is to be distributed in the region B is made a feature of the banknote. Then, a group determination process is performed (S90). The ATM 1 requests the host 2 from the result of the group determination process (S90) and refers to the template DB 212 to check whether accumulated data classified into the same pattern is stored (S100). This is performed by collating the pattern of the banknote to be determined with the pattern as accumulated data.

  When the host 2 stores the accumulated data of the same group, the host 2 transmits the accumulated data to the ATM 1 (S110). If there is no accumulated data of the same pattern, it is not transmitted. In this case, the accumulated data to be transmitted may be one banknote pattern or a plurality of patterns.

  The accumulated data received by ATM1 is temporarily stored in the storage unit 116. After receiving the accumulated data from the host 2, the ATM 1 performs a process for accumulating the banknote patterns classified into the same group newly traded this time in the accumulated data. If there is no data with the same pattern in the template DB 212, processing for accumulating the banknote pattern as new accumulated data is performed (S130). Therefore, new data to be accumulated (accumulated data) is temporarily stored in the storage unit 116 of the ATM 1 and transmitted to the host 2 when a series of processing is completed (S140).

In the host 2, under the processing of the template management unit 214, the received accumulated data is stored as accumulated data of corresponding pattern numbers in the template DB 212. Regarding storage of accumulated data, if accumulated data of the same pattern already exists in the template DB 212, the number of transactions and the accumulated data are updated. That is, the received new pattern is registered as accumulated data. If the same accumulated data as the received banknote pattern does not exist in the template DB 212, the banknote pattern is created and stored as a new template (S220). The accumulated data may be for each authenticity determination element constituting the pattern, or a plurality of authenticity determination elements may be accumulated simultaneously.
When the above process is completed, the transaction amount of the banknote determined to be a genuine note is stored in the storage unit 116, and the banknote is stored in the banknote storage 120 to 124 according to the denomination (S150).

  In the authenticity determination (S70), when it is determined that the banknote is a fake note (S70 / No), a determination factor counting process is performed to determine whether any of the authenticity determinations is distributed in the region C. Count (S160). At this time, if at least one result of authenticity determination is distributed in the region D (S160 / No), the bill is transported and inserted into the bill in order to be processed as an unsuspecting fake bill. Return to section 103.

  On the other hand, in each authenticity determination, when there is no determination result distributed in the region D and the determination result distributed in the region C is determined to be a fake ticket (S160 / Yes), the determination value is in the region C. If there is a distributed authenticity determination and a true / false determination in which the determination value is distributed in the region B, group determination processing is performed using these as constituent elements of the pattern (S170). The ATM 1 requests the host 2 based on the result of the group determination process (S170) to check whether accumulated data classified into the same pattern is stored in the template DB 212 (S180). That is, when the accumulated data of the same group is stored with reference to the template DB 212 under the control of the template management unit 214, the accumulated data is transmitted to ATM1 (S110). If there is no accumulated data of the same pattern, it is not transmitted.

  The accumulated data received by ATM1 is temporarily stored in the storage unit 116. In ATM1, the accumulated data received from the host 2 is newly accumulated with the data of banknotes newly classified this time and classified into the same group, and the accumulated data is updated. On the other hand, if there is no data of the same pattern in the template DB 212, a process of storing the pattern as new accumulated data is performed (S190). That is, the new accumulated data is temporarily stored in the storage unit 116, and is transmitted to the host 2 when all the accumulated processes are completed (S200).

  The accumulated data received by the host 2 updates the number of transactions and the accumulated data when accumulated data of the same pattern already exists in the template DB. If there is no accumulated data of the same pattern in the template DB, a new template is created from the received data, and the pattern is stored as accumulated data (S220).

  When the above process is completed, the banknote determined to be a fake ticket in ATM 1 is returned to the banknote insertion unit 103. Here, when a large number of counterfeit bills having the same pattern and suspected to be genuine bills are traded in a large amount, it is preferable that the ATM trade can be stopped. For example, in a single denomination, when counterfeit bills with the same pattern suspected to occupy 30% or more of the total number of transactions, the main control unit 102 issues a transaction stop command to the operation unit 108. A message to that effect is displayed and the transaction is stopped.

When the above transaction is completed, the ATM 1 counts the amount handled in the current transaction in order to update the transaction information (S230). Then, the transaction information including the total amount information is transmitted from the ATM 1 to the host 2 (S240). When receiving the transaction information, the host 2 performs a process of updating the transaction information DB 208 for the user under the control of the transaction information management unit 210 (S250). For example, the user's account balance is updated and, for example, processing such as storing payment transaction information as a log is performed.
In ATM1, while returning a cash card and a passbook to a user, the personal information for identity verification memorize | stored in the memory | storage part 116 is erase | eliminated, and a series of transactions are complete | finished (S260).

  By the transaction process based on FIG. 6 described above, the template DB 212 can be constructed by automatically creating a template using the characteristic pattern of the banknote traded as accumulated data. This template can be used to take measures against banknotes having specific characteristics. For example, a staff member of a financial institution may operate the operation unit 108 to switch the ATM from the operation mode to the maintenance mode, select a pattern having the characteristics of the target banknote, and set the exclusion or acceptance at the ATM. Is possible. In that case, it is possible to control the template to be applied using the number of transactions that represents how many times a bill having a certain characteristic has been traded in the past from the templates stored in the template DB 212.

  For example, when a banknote having a certain characteristic is traded 100 times or more, the banknote pattern in the template is stored in the storage unit 116 in the ATM by applying the banknote template to the target ATM. The identification part 112 of ATM1 collates the pattern of the banknote of the template memorize | stored in the memory | storage part 116, and the characteristic pattern of the banknote to be traded, The banknote with suspicion which is made object according to the collation result is shown. Can be eliminated. The upper limit value of the number of transactions can be arbitrarily set.

  In addition, you may set the process which sets such a template for every ATM as the application range. Further, when a plurality of ATMs are respectively connected to a plurality of servers connected to the host, it can be set for each branch or region for each server. Furthermore, all ATMs may be set as targets. As a setting method, it may be performed by operating the operation unit 108 of the ATM 1 as described above, or may be applied to an ATM connected to the system via the communication unit by controlling the host 2. good.

  As another alternative, the above embodiment is an example in which the host 2 has the template DB 212. However, the template DB 212 and its management unit 214 may be installed for each ATM or for each local server. . Even with such a configuration, the substantial processing of the present invention will not change.

The figure which shows the cash transaction system by one Example. The side view which shows the structural example of ATM in one Example. The figure which shows the site | part of the discrimination | determination determination of the banknote in one Example. The figure which shows the example of the storage format of template DB210 in one Example. The figure which shows distribution of the authenticity determination result in one Example. The flowchart which shows the transaction processing operation | movement of the banknote in one Example.

Explanation of symbols

1: ATM 102: Main control unit 103: Input unit 104: Communication unit 105: Discriminator sensor 106: Time management unit 107: Transport path 108: Operation unit 109: Temporary stacker unit 110: Bill handling unit 112: Discrimination unit 114: Card / passbook handling unit 116: storage unit 118-122: banknote storage 2: host computer 202: main control unit 204: communication unit 206: transaction execution unit 208: transaction information DB 210: transaction information management unit 212: template DB 214 : Template management

Claims (11)

In a paper sheet trading system that automatically trades paper sheets according to user operations,
Obtain information about the paper sheets to be traded, determine whether the unique characteristics of the paper sheets are within a predetermined range, and verify the authenticity and authenticity of the paper sheets. An identification unit to be determined; storage means for storing, as specific information, information relating to a paper sheet suspected of being a fake ticket by the identification unit; creation of the specific information stored in the storage means and the specific information A management unit that performs update processing of
As a result of the determination of the paper sheet in the identification unit, when it is determined that the paper sheet is suspected to be a genuine note or a counterfeit, the sheet pattern of the specific information related with reference to the storage means The pattern of the paper sheet to be traded is collated, and according to the result of the collation, the management unit stores the specific information including the pattern of the paper sheet to be traded in the storage means. Paper sheet trading system. The management unit divides banknotes suspected of fake bills into one or more groups according to the denominations of the banknotes to be traded, and excludes banknotes classified into the groups. And automatically generating specific information (hereinafter referred to as a template) including the part of the feature, authenticity determination, and the pattern of the bill to be traded, and storing the created template in the storage means The paper sheet trading system of claim 1 The transaction state determination processing means for determining whether or not the transaction is normally performed from the processing result of the determination factor of the banknote, and when the illegal bill is detected by the identification unit, the banknote is characterized by the determination factor. 3. The paper sheet transaction system according to claim 2, further comprising group determination processing means for classifying the group into groups (referred to as group determination). The identification unit has a plurality of sensors for detecting features including symbols and amounts of banknotes to be traded, and stores information on paper scraps acquired by the sensors in the storage means. 2 or 3 trading systems. The paper sheets according to claim 3 or 4, wherein the banknotes traded by a user are accumulated in the storage means for storing the pattern of the banknotes for each group classified by the group determination processing means. Trading system. According to the transaction up to the previous time, the information stored in the storage unit for each group classified by the group determination processing unit and the information of the banknotes classified into the same group by the group determination processing unit in the current transaction are grouped. 6. The method according to claim 3, further comprising a group-by-group accumulation processing unit that separately performs accumulation processing, and storing banknote information in the storage unit according to a result of processing by the group-by-group accumulation processing unit. Paper sheet trading system. By the group-by-group cumulative processing means, the bank data classified by the group classified by the group determination processing means is excluded from the banknotes classified into the group or the target of verification for accepting the banknotes. The paper sheet trading system according to claim 6, wherein a template is automatically created and stored in the storage means. A paper sheet transaction system comprising: an ATM for trading banknotes to a user; and a host computer connected to the ATM via a communication means and having the storage means and the management unit. 7. The paper sheet trading system according to claim 2, wherein information relating to the template is transmitted to the host computer via the communication means. The storage means is a part of a feature to be subjected to authenticity determination, information indicating whether it is a genuine note that is determined to be a genuine note by authenticity determination, and / or a genuine note that is determined to be a false note, and a banknote to be traded The paper sheet trading system according to claim 1, wherein information including the pattern is stored as the template. The identification unit is a counterfeit note that is determined to be a genuine note by collating a feature acquired from a bill to be traded by a user with a pattern stored in the storage unit as the template, and / or The paper sheet transaction system according to any one of claims 2 to 9, wherein it is determined whether it is a genuine ticket that is determined to be a fake ticket. In a paper sheet trading apparatus that automatically trades paper sheets according to user operations,
Obtain information about the paper sheets to be traded, determine whether the unique characteristics of the paper sheets are within a predetermined range, and verify the authenticity and authenticity of the paper sheets. An identification unit to be determined; storage means for storing, as specific information, information relating to a paper sheet suspected of being a fake ticket by the identification unit; creation of the specific information stored in the storage means and the specific information A management unit that performs update processing of
As a result of the determination of the paper sheet in the identification unit, when it is determined that the paper sheet is suspected to be a genuine note or a counterfeit, the sheet pattern of the specific information related with reference to the storage means The pattern of the paper sheet to be traded is collated, and according to the result of the collation, the management unit stores the specific information including the pattern of the paper sheet to be traded in the storage means. Paper sheet trading device.

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