JP2008197979A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic teller machine, which can be continuously operated even if a cassette is attached/detached due to a cash accident or the like while attaining reduction in size and cost of the device by deleting a recognition function. <P>SOLUTION: When a payment cassette is installed to a device body (S200: Yes), a control part does not clear the amount in hand set in an amount-in-hand counter (S260) when the same identification code (serial ID) is determined (S240: No), and sets (S250) a predetermined amount in hand to the counter when it is determined that the identification code is differed (S240: Yes). <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic teller machine installed in various places such as a 24-hour store.

  Conventionally, an automatic cash transaction apparatus uses a cassette to store transaction reserves from the outside of the apparatus into the apparatus for each cassette, and has a recognition / counting function that the apparatus is equipped with for money existing inside the cassette. It is generally performed to determine the amount of cash in the apparatus and prepare for transaction operation by discriminating and counting one by one.

In addition, such an automatic teller machine has a function of counting cash in a cassette loaded in the apparatus at any time using an equipped recognition / counting function (referred to as an automatic review function). There is provided means for performing re-counting and matching the amount of money that the control unit holds in operation with the amount actually present in the apparatus. By providing this means, for example, some cash accident occurs during the transaction, and when attaching and detaching the cassette to the device, even if a cassette different from the cassette used before the accident was attached, By carrying out automatic scrutiny at the time of loading the cassette, the amount of money in the apparatus can be recounted to determine the amount, and the operation can be continued (see Patent Document 1).
JP 7-1229819 A (paragraph 0005)

  However, in recent years, there are increasing cases of installing automated teller machines in confined spaces such as convenience stores, so there is a demand for miniaturization and cost reduction while maintaining conventional functions and performance for automated teller machines. Is growing.

  Therefore, it has been proposed to achieve space saving and cost reduction by limiting the function only to withdrawal and deleting the recognition function for identifying the deposited money. If it is for withdrawal only, it is only necessary to withdraw from the cash that has been counted and loaded in advance before operation, and it is only necessary to withdraw the denomination instructed by the control unit, making the recognition function unnecessary be able to.

  However, if the recognition function is deleted as described above, it does not have an automatic scrutiny function, so it cannot be recounted to determine the cash balance. Therefore, in consideration of once removing the cassette when a cash accident occurs, it is decided in advance whether the cassette used for the subsequent operation is a cassette used before the accident or a newly prepared counted cassette. It became necessary to keep it. In other words, if continuous use of cassettes is a precondition, it is necessary not to change the amount of cash. If countered cassette use is a precondition, the counter is always cleared when the cassette is loaded. However, there is a problem that it is necessary to set a predetermined cash amount.

  For example, if the content of the accident is due to the inside of the cassette, it is necessary to replace the cassette for restoration, so there is a possibility that a discrepancy may occur with the operation that has been determined in advance, If the cause is not a cassette but outside the cassette, if the operation requires the use of a count-loaded cassette, a cassette must be prepared for accident handling. It was expected that the operation would be heavy.

  The present invention solves the above-described conventional problems, and even if the withdrawal cassette is removed and attached in a cash accident or the like while realizing the downsizing and cost reduction of the apparatus by deleting the recognition function, it continues. The purpose is to provide an automatic teller machine that can be operated in the future.

  The present invention comprises a dispensing cassette that accommodates money by denomination and stores a predetermined number of coins, and a height counter that sets the height stored in the dispensing cassette. When a specified amount of money is paid out from the withdrawal cassette, a control for subtracting the amount corresponding to the amount from the amount counter and setting a new amount in the amount counter The withdrawal cassette is further provided with an authentication unit to which at least an identification code for identifying the withdrawal cassette is assigned in advance, and the control unit is for the withdrawal When it is determined that the identification code is the same when the cassette is loaded in the apparatus main body, it is not cleared the height set in the height counter, and if it is determined that the identification code is different, The height counter is set in advance. And sets the Aridaka that is.

  According to the present invention, it is possible to confirm the identity of the dispensing cassette before and after the exchange by giving an identification code for identifying the individual to each dispensing cassette. It becomes possible to determine whether or not to continue to use. Furthermore, by arranging in advance that the withdrawal cassettes to be exchanged have already been counted, operation by detaching the withdrawal cassette due to a cash accident even if the device itself is not equipped with a recognition function. Interruption can be prevented.

(First embodiment)
FIG. 1 is a perspective view showing an appearance of the automatic teller machine according to the first embodiment, FIG. 2 is a block diagram showing the automatic teller machine according to the first embodiment, and FIG. 3 is an output in the automatic teller machine according to the first embodiment. The flowchart which shows the control at the time of money, FIG. 4 is a flowchart which shows the control at the time of the cassette change for withdrawal in the automatic teller machine of 1st Embodiment. In addition, 1 A of automatic teller machines in this embodiment are installed in a convenience store, a supermarket, a station, an unmanned store of a financial institution, etc., and are used only for withdrawal.

  As shown in FIG. 1, the automatic teller machine 1A of this embodiment is provided with a display input unit 3, a withdrawal port 4, a card information reading unit 5, a printing unit 6 and the like in an apparatus body 2 as a casing. In the apparatus main body 2, a plurality of dispensing cassettes 10A and 10B are provided so as to be detachable. In the following description, two types of dispensing cassettes 10A and 10B are illustrated and described. However, the present invention is not limited to this, and there may be one type or three or more types. Further, the denomination of money stored in the dispensing cassettes 10A and 10B may be only coins such as 500 yen and hundred yen, or may be only banknotes such as 1,000 yen and 10,000 yen. Or, it may be a mixture of coins and banknotes. In the following description, the case of 500 yen and 100 yen coins will be described as an example.

  The display input unit 3 is, for example, a touch panel type, and performs a withdrawal operation by proceeding with an input operation while touching the screen according to a menu screen on which a user (a person who makes withdrawal) is displayed. Be able to.

  The dispensing port 4 has an opening 4a for taking out the paid money, and a shutter 4b that is opened and closed by being driven by an actuator (not shown) or the like is provided in the opening 4a. In addition, a sensor (not shown) for confirming that the user has taken out money is provided inside the withdrawal port 4. In addition, when handling the banknote and the coin, the withdrawal port 4 of the present embodiment takes out the banknote and the coin from the same opening 4a via a partition plate (not shown) provided inside. Alternatively, banknotes and coins may be provided separately and taken out from the respective outlets.

  The card information reading unit 5 has a slit-shaped insertion unit 5a for receiving or discharging a transaction card on which customer information or the like is recorded, and reads and writes data recorded on the inserted transaction card. It has become.

  The printing unit 6 has a slit-like discharge unit 6a for taking out a statement slip on which transaction details such as a withdrawal amount are printed, and prints with a thermal transfer printer using a statement slip made of thermal paper. It is configured. In this embodiment, the insertion part 5a of the card information reading part 5 and the discharge part 6a of the printing part 6 are arranged with a gap in the width direction, but the insertion part 5a and the discharge part 6a are close to each other in the vertical direction. The arrangement may be such that the user can extract the transaction card and the statement slip that have been discharged together.

  The dispensing cassettes 10A and 10B have box-shaped storage portions 10a and 10b that can store a predetermined number of coins and opening / closing doors 10a1 and 10b1 that are opened and closed when the coins are stored. Authentication units 11a and 11b are provided at the positions. In the authentication units 11a and 11b, serial IDs (identification codes) and denominations (500 yen and 100 yen) for individually identifying the respective dispensing cassettes 10A and 10B are written by electrical means. Yes. Note that the authentication units 11a and 11b are composed of a type of memory that cannot be rewritten for security reasons.

  Further, when the dispensing cassettes 10A and 10B are loaded into predetermined stockers 12a and 12b provided in the apparatus main body 2, the reading units 13a and 12b provided in the vicinity of the stockers 12a and 12b in the apparatus main body 2 are provided. 13b is connected to the authentication units 11a and 11b of the withdrawal cassettes 10A and 10B so that the serial ID and denomination of each of the withdrawal cassettes 10A and 10B are read.

  As shown in FIG. 2, 1 A of automatic teller machines have the control part 20, and this control part 20 is the above-mentioned display input part 3, the card information reading part 5, the printing part 6, and reading part 13a, 13b. In addition to being connected, the type recording unit 14, the height counter 15, and the terminal communication unit 16 are configured to be connected.

  The control unit 20 is configured to function by a computer and a program including a CPU (Central Processing Unit), a memory, and the like.

  The type recording unit 14 is composed of a rewritable memory or the like, and has a serial ID (identification code) and gold recorded in the authentication units 11a and 11b of the dispensing cassettes 10A and 10B loaded in the apparatus main body 2. The seed is recorded. That is, the type recording unit 14 stores the serial ID and denomination (500 yen) set in the withdrawal cassette 10A accommodated in the stocker 12a and the withdrawal cassette 10B accommodated in the stocker 12b. The set serial ID and denomination (100 yen) are recorded. The serial ID is a unique identifier (identification code) set individually for each of the dispensing cassettes 10A and 10B.

  The bank counter 15 is constituted by a rewritable memory or the like, and records the number and amount of coins stored in the dispensing cassettes 10A and 10B loaded in the apparatus main body 2. In other words, the cash counter 15 records the number and amount of coins stored in the withdrawal cassette 10A, and the number and amount of coins stored in the withdrawal cassette 10B. For example, when one 500 yen is withdrawn from the withdrawal cassette 10A, and one hundred yen is withdrawn from the withdrawal cassette 10B, the current 500 yen recorded in the high-paid counter 15 is recorded. The number obtained by subtracting one from the number of sheets is newly recorded, and the number obtained by subtracting one from the number of hundred yen recorded in the high / low counter 15 is newly recorded. The total amount of coins stored in the withdrawal cassette 10A and the withdrawal cassette 10B may also be recorded.

  The terminal communication unit 16 has a function for communicating with the management center 40 via the network 30. For example, when the number of coins stored in the withdrawal cassettes 10A and 10B reaches the near-end number, the management center 40 is notified, and the clerk promptly replaces the withdrawal cassettes 10A and 10B that are already loaded with counting. The system is configured to do so. The near-end number is a number set before reaching the end number. For example, before the staff arrives at the store where the device is installed, the end number is reached and the user cannot continue the withdrawal transaction. It is set to the number that does not become.

Next, control at the time of a withdrawal operation in the automatic teller machine 1A of the present embodiment will be described with reference to FIG. 3 (refer to FIGS. 1 and 2 as appropriate).
First, when a user inserts a transaction card into the insertion unit 5a of the card information reading unit 5 of the automatic teller machine 1A, the control unit 20 reads the customer information inserted into the transaction card, and enters the password into the display input unit 3. Following the input screen, the amount input screen is displayed. Then, when the user inputs the personal identification number and the withdrawal amount via the display input unit 3, the control unit 20 determines that there has been a withdrawal instruction (S100, Yes), and proceeds to step S110. Pay out the specified withdrawal amount. If it is determined that there is no withdrawal instruction (S100, No), the process of step S100 is repeated.

  In step S110, the control unit 20 determines the number of coins (500 yen) accommodated in the withdrawal cassette 10A, the number of coins required for withdrawal based on the designated withdrawal amount, and the withdrawal cassette. The number of coins (one hundred yen) accommodated in 10B is calculated, and a conveying means (not shown) is driven to pay out coins one by one to the dispensing port 4.

  Then, the process proceeds to step S120, where the control unit 20 subtracts the number and amount paid out from the stock counter 15. That is, the control unit 20 subtracts the number of coins paid out from the number set in the stock counter 15 and subtracts the amount paid out from the amount set in the stock counter 15.

  Then, the process proceeds to step S130, and the control unit 20 determines whether or not the withdrawal is completed. In step S130, if the control unit 20 determines that the designated withdrawal amount has not been reached with reference to the stock counter 15 (No), the control unit 20 returns to step S110 and continues the payout. In addition, when the control unit 20 determines that the calculated number and amount have been reached with reference to the stock counter 15 (S130, Yes), the control unit 20 determines that the withdrawal has been completed and proceeds to step S140. move on. When the withdrawal is completed, the control unit 20 opens the shutter 4b of the withdrawal port 4, and when the user removes the coin from the withdrawal port 4, the removal is detected by a detection means (not shown), and the shutter Close 4b.

  In step S140, the control unit 20 determines whether or not the number of coins stored in the withdrawal cassettes 10A and 10B after the completion of withdrawal (S130, YES) has reached the near-end number. In this case, if the control unit 20 determines that the number after withdrawal has not reached the near-end number (No at S140), the control unit 20 returns to step S100 to prepare for the next withdrawal process. If the control unit 20 determines that the number after withdrawal has reached the near-end number (S140, Yes), the control unit 20 proceeds to step S150, and the coins stored in the withdrawal cassettes 10A and 10B are insufficient. Then, the management center 40 is notified of a signal indicating that the withdrawal transaction may not be continued. At this time, the control unit 20 converts the signal into a predetermined protocol by the terminal communication unit 16 and transmits the signal to the management center 40 via the network 30. In the management center 40 that has received this signal, the position of the store and the dispensing cassettes 10A and 10B with insufficient coins are specified, and the staff immediately rushes to the installed store.

  Next, control at the time of replacement of the dispensing cassettes 10A and 10B in the automatic teller machine 1A of the present embodiment will be described with reference to FIG. In the following, an example will be described in which a dispensing cassette 10A containing 500-yen coins is removed and a new dispensing cassette 10A (hereinafter referred to as 10A1) is loaded. The withdrawal cassette 10A before exchange and the withdrawal cassette 10A1 after exchange have the same denomination of 500 yen, but have different serial IDs. In addition, it is assumed that a new withdrawal cassette 10A1 contains coins of a denomination of 500 yen having a predetermined number and amount in operation.

  First, in step S200, when the control unit 20 determines that the withdrawal cassette 10A is removed from the stocker 12a and the withdrawal cassette 10A1 is newly loaded in the empty stocker 12a (Yes). In step S210, the serial ID and denomination (500 yen) set in the withdrawal cassette 10A1 are read from the authentication unit 11a of the withdrawal cassette 10A1 through the reading unit 13a. Whether or not a new dispensing cassette 10A1 has been loaded is detected via a detection means (not shown). In step S200, when it is determined that the new dispensing cassette 10A1 is not loaded (No), the control unit 20 repeats the process of step S200.

  In step S220, the control unit 20 determines whether or not the denomination of the withdrawal cassette 10A before the exchange and the denomination of the withdrawal cassette 10A1 after the exchange are different. At this time, if the control unit 20 determines that the denominations are different (S220, Yes), the control unit 20 proceeds to step S230, and notifies the staff of the error so that it can be recognized. The error notification means can be configured using various known means such as voice and lamp. Then, the control unit 20 returns and returns to the original routine.

  If the control unit 20 determines in step S220 that the denominations are the same (No), the process proceeds to step S240, where the serial ID of the withdrawal cassette 10A before the exchange and the withdrawal for the withdrawal after the exchange are obtained. It is determined whether or not the serial ID of the cassette 10A1 is different. In this case, if the control unit 20 determines that the serial IDs are different (S240, Yes), the control unit 20 determines that a new counted dispensing cassette 10A1 has been loaded, and proceeds to step S250. A predetermined number and amount are set in the high counter 15. The prescribed number is a predetermined number for operation stored in the new dispensing cassette 10A1, and the prescribed amount is a predetermined amount for operation according to the number. That is, when a new dispensing cassette 10A1 having a different serial ID is loaded, a predetermined number and amount of money are set in the amount counter 15.

  In step S240, when the control unit 20 determines that the serial IDs are the same (No), the control unit 20 determines that the withdrawal cassette 10A is removed but the same withdrawal cassette 10A is loaded again. Then, the process proceeds to step S260, and the high / low counter 15 is operated as it is without clearing the high / low value of the number of sheets and the amount set at that time. The case where the serial IDs are the same is, for example, not the replacement of the withdrawal cassettes 10A and 10A1 due to a shortage of coins, but a problem has occurred in the withdrawal cassette 10A, etc., and the clerk has performed a process to remove the failure. Is the case.

  As described above, the serial ID for identifying the individual and the denomination are individually written in the withdrawal cassettes 10A and 10A1, and this is used as an authentication key, whereby the sameness of the withdrawal cassettes 10A and 10A1 before and after the attachment / detachment. Can be confirmed. As a result, it is possible to determine whether to clear the height counter 15 or to continue operation without clearing the height counter 15. Furthermore, by arranging that the operation of the new withdrawal cassette 10A1 has been counted in advance, even if the cash automatic transaction apparatus 1A is not equipped with a function for performing recounting, a cash accident It is possible to prevent interruption of operation due to the attachment / detachment of the dispensing cassettes 10A and 10A1. This eliminates the need to transport the dispensing cassette 10A1 that has been counted each time the attendant is dispatched. Further, when the dispensing cassettes 10A, 10B, and 10A1 have exactly the same shape and cannot be distinguished from the outside, it is conceivable that the dispensing cassettes 10A once removed during operation are mixed. However, in this embodiment, assuming that the mixed withdrawal cassette 10A cannot be distinguished from the removed withdrawal cassette 10B or the like, the operation is continued by loading a new counted withdrawal cassette 10A1. Will be able to.

  In addition, according to the automatic teller machine 1A of the first embodiment, the withdrawal cassettes 10A, 10A1, 10B are provided with authentication units 11a, 11b in which serial IDs for individual identification are written and new withdrawals are made. When the cassette 10A1 is loaded, it is possible to delete the identification function such as the automatic scrutiny function by using the condition that the amount of money and the amount of money decided in advance are set in the height counter 15. It is possible to reduce the size and cost of the apparatus.

(Second Embodiment)
FIG. 5 is a perspective view showing the appearance of the automatic teller machine according to the second embodiment, FIG. 6 is a block diagram showing the automatic teller machine according to the second embodiment, and FIG. 7 is a cassette in the automatic teller machine according to the second embodiment. It is a flowchart which shows the control at the time of replacement | exchange. In addition, about the structure similar to 1st Embodiment, the same code | symbol is attached | subjected and the description is abbreviate | omitted. Further, since the processing at the time of withdrawal is the same as the processing in the first embodiment (see FIG. 3), description thereof is omitted.

  As shown in FIG. 5, the automatic teller machine 1B of the second embodiment is provided with opening / closing doors 10a1, 10b1 in which coins are put in and out of the dispensing cassettes 10A, 10B, and the opening / closing doors 10a1, 10b1. Door opening / closing detectors 17a and 17b for detecting an opening / closing operation (that has been opened / closed) are provided. The opening / closing doors 10a1 and 10b1 are opened when coins are stored in the storage portions 10a and 10b of the dispensing cassettes 10A and 10B, and are closed after the storage.

  The door opening / closing detectors 17a and 17b are not particularly limited in configuration as long as they can detect that the doors 10a1 and 10b1 are opened and closed, and can be configured using, for example, a latching relay. . This latching relay is a relay having two stable states. When the dispensing cassettes 10A and 10B are accommodated in the apparatus main body 2, one stable state is obtained when the opening and closing doors 10a1 and 10b1 are opened and closed. From one to the other stable state. In the following description, the state when the doors 10a1 and 10b1 have never been opened and closed is the first state, and the state when the doors 10a1 and 10b1 have been opened and closed is the second state. .

  The apparatus body 2 is provided with reading units 14a and 14b connected to the door open / close detection units 17a and 17b in the stockers 12a and 12b. The reading units 14a and 14b can detect whether the door opening / closing detection units 17a and 17b are in the first state or the second state.

  As shown in FIG. 6, in the automatic teller machine 1 </ b> B of the second embodiment, the control unit 20 is connected to the door opening / closing history unit 18. The door opening / closing history unit 18 is composed of a rewritable memory or the like, and whether the door opening / closing detection units 17a, 17b are in the first state (a state where the door opening / closing detection unit 17 has not been opened / closed) via the reading units 14a, 14b. , It is recorded whether it is in the second state (a state in which it has been opened or closed).

  Next, in the automatic teller machine 1B of 2nd Embodiment, the replacement | exchange process of 10 A of cassettes for withdrawal when the notification to the management center 40 is received is demonstrated, referring FIG. The replacement process of the withdrawal cassette 10A in the second embodiment is obtained by adding only step S245 to the replacement process (see FIG. 4) in the first embodiment. Hereinafter, only steps after step S240 will be described.

  That is, in step S240, the control unit 20 determines that the serial ID set in the withdrawal cassette 10A before the exchange and the serial ID set in the withdrawal cassette 10A1 after the exchange are the same. In the case (No), the process proceeds to step S245, and it is determined whether or not there is any evidence of opening and closing on the doors 10a1 and 10b1. The presence / absence of this opening / closing trace is determined based on whether the information recorded in the door opening / closing history unit 18 is in the first state or the second state.

  In step S245, when the control unit 20 determines that the first state is recorded in the door opening / closing history unit 18 and there is no evidence of opening / closing in the opening / closing doors 10a1 and 10b1 (No), the process proceeds to step S260. Then, the high / low value set in the high / low counter 15 is not cleared, and the operation is continued as it is. If the control unit 20 determines that the second state is recorded in the door opening / closing history unit 18 and the opening / closing doors 10a1 and 10b1 have an opening / closing evidence (Yes), the control unit 20 proceeds to step S250, A predetermined number and amount are set in the high counter 15.

  By the way, the clerk is in a position capable of taking out all or part of the coins in the withdrawal cassettes 10A, 10B by operation. As described above, by providing the processing of step S245, if a counting mismatch occurs later, whether or not the dispensing cassettes 10A and 10B are operated (whether or not at least the opening and closing doors 10a1 and 10b1 are opened and closed = coins ( It becomes possible to track whether or not it was possible to touch money). If the control unit 20 determines that there is a trace of opening and closing (S245, Yes), the operation is continued without clearing the height counter 15, and if the height matches, the coin is converted into a coin. In spite of being able to touch it, there is a problem that the trace of opening and closing is overlooked, or even if the evidence of opening and closing is found, it takes time to find out. When it is determined that there is an evidence of opening and closing as in the present embodiment (S245, Yes), the actual height is separated by clearing the height counter 15 and setting the prescribed number and amount. As a result, the discrepancy in the count is found sooner, and the presence / absence of the operation of the dispensing cassettes 10A and 10B can be traced. Therefore, the subsequent quick response becomes possible.

  In each of the above-described embodiments, an example in which a serial ID that is electrically written is read and authenticated is described as an example. However, the present invention is not limited to this example. Then, it may be replaced with a visual one such as a bar code and read by an optical means such as an infrared bar code reader provided in the apparatus main body 2 for authentication.

It is a perspective view which shows the external appearance of the automatic teller machine of 1st Embodiment. It is a block diagram which shows the automatic teller machine of 1st Embodiment. It is a flowchart which shows the control at the time of payment in the automatic teller machine of 1st Embodiment. It is a flowchart which shows the control at the time of the cassette exchange for payment in the automatic teller machine of 1st Embodiment. It is a perspective view which shows the external appearance of the automatic teller machine of 2nd Embodiment. It is a block diagram which shows the automatic teller machine of 2nd Embodiment. It is a flowchart which shows the control at the time of cassette replacement | exchange in the automatic teller machine of 2nd Embodiment.

Explanation of symbols

1A, 1B Automatic cash transaction device 2 Device body 10A, 10B Withdrawal cassette 10a1, 10b1 Open / close door 11a, 11b Authentication unit 15 Height counter 17a, 17b Door open / close detection unit 20 Control unit

Claims (2)

Withdrawing cassettes for storing money in denominations and storing a predetermined number of coins;
A height counter that sets the height stored in the withdrawal cassette;
When the designated amount of money is paid out from the withdrawal cassette, the control unit subtracts the amount corresponding to the amount from the amount counter and sets a new amount to the amount counter An automatic teller machine having
The withdrawal cassette further includes at least an authentication unit to which an identification code for individually identifying the withdrawal cassette is provided,
When the control unit determines that the identification code is the same when the dispensing cassette is loaded in the apparatus main body, the control unit does not clear the height set in the height counter, and the identification code If it is determined that the two are different, a predetermined amount is set in the amount counter. The dispensing cassette is provided with an open / close door for taking in and out of money, and a door open / close detecting unit for detecting that the open / close door has been opened and closed,
When the control unit determines that the identification code is the same, and the door opening / closing detection unit determines that there is an evidence that the door is opened / closed, the identification code is the same. 2. The automatic cash transaction apparatus according to claim 1, wherein a predetermined amount is set in the amount counter.

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