JP2010181987A - Paper money transaction device and paper money transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent the deliberate use of counterfeit paper money while maintaining the convenience of a general user. <P>SOLUTION: In the paper money transaction system 10, a depositor is specified (steps S110 to 120), and received paper money is scanned by a paper money reading part 160 (step S150). Then, the content determination of specific counterfeit paper money determination reference data (step S170) and authentic paper money determination (step S180) is performed, and when it is determined that the received paper money is authentic paper money, processing corresponding to the reception operation of the depositor is performed (step S190). On the contrary, when it seems suspicious that the received paper money is the counterfeit paper money, further authenticity determination (step S210) and reception situation data creation and storage (step S220) is performed, and when the past reception history of the counterfeit paper money is present, and there is the prescribed number of this time received paper money, it is determined that this time paper money reception is malicious or intentional counterfeit paper money deposition, and the depositor is notified that the received paper money is the counterfeit paper money. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a banknote transaction apparatus such as an automatic cash transaction apparatus or a money changer, and more particularly to a technique for dealing with intentional deposit of non-regular banknotes that are not regular banknotes.

  In a banknote transaction apparatus such as an automatic cash transaction apparatus or a money changer, the authenticity of a deposited banknote is determined. Such authenticity determination is indispensable because it assumes the handling of regular banknotes (hereinafter referred to as true banknotes), and various determination methods have been proposed (for example, Patent Document 1).

JP 2008-140262 A Republished WO97 / 22090

  According to the techniques described in these publications, it is possible to increase the accuracy of determining non-genuine banknotes (hereinafter referred to as fake banknotes) that are not regular banknotes. However, those who intend to use fake banknotes maliciously or deliberately are trying to elaborate fake banknotes in order to make fake banknotes determined to be true banknotes even in banknote transaction devices with improved determination accuracy. It is. For this reason, apart from a technique for increasing the accuracy of bill judgment, it has been desired to suppress malicious or intentional use of fake bills. On the other hand, in the case of true banknotes, depending on the usage situation, the surface of the banknotes may become dirty or frayed, etc. There can be. Users of these used true banknotes (hereinafter referred to as general users) may be restricted from handling banknotes in banknote transaction devices, regardless of their malicious intentions or intentions. Improvement has been required from the viewpoint of sex.

  In view of the above-described problems, an object of the present invention is to prevent deliberate use of fake banknotes while maintaining convenience for general users.

  In order to achieve at least a part of the above object, the present invention adopts the following configuration.

[Application 1: Banknote transaction equipment]
A depositor banknote transaction apparatus that performs transactions related to banknote deposit,
A depositing unit that accepts deposits from bankers who want to deposit banknotes,
A deposit operation unit that accepts a deposit operation performed by the depositor along with deposit;
A depositor identification unit that identifies a depositor who has performed banknote deposit to the deposit unit and deposit operation in the deposit operation unit;
A scanning unit that scans the deposited banknotes deposited in the deposited unit and creates deposited banknote data;
A banknote data storage unit for storing banknote determination data including non-regular reference data indicating that the banknote is not a regular banknote;
The authenticity determination unit for verifying the authenticity of the deposited banknote by comparing the deposited banknote data created by the scan unit with the banknote determination data of the banknote data storage unit;
A depositor data creation unit for creating and storing the deposit status data for the depositor in association with the depositor identification data of the depositor identified by the deposit identification unit and the result of the authenticity determination by the authenticity determination unit When,
If the authenticity determination unit makes an irregular determination that the deposited banknote is the irregular banknote, the depositor identified with reference to the deposit status data created and accumulated by the depositor data creation unit A non-regular deposit processing unit that determines whether or not the non-regular determination has occurred in the past, and executes different notification processing for the identified depositor depending on the presence or absence of the non-regular determination history in the past. The gist.

  In the banknote transaction apparatus having the above-described configuration, a depositor who wants to deposit banknotes deposits banknotes in the depositing unit, and performs a depositing operation accompanying the depositing in the depositing operation unit. In the banknote transaction apparatus, the deposit specifying unit identifies the depositor who has performed the depositing of money into the depositing unit and the depositing operation in the depositing operation unit. When specifying the depositor, it is possible to use depositor specifying data that is determined in advance in association with the deposit operation and the deposit operation performed by the depositing company itself. For example, since data unique to the user (payer) is recorded in the card or passbook, the depositer can be specified by an operation such as insertion of the card or passbook. In this case, the depositor can be specified by using the input of the password. Then, the deposit status for the identified depositor is created and accumulated as deposit status data as will be described later.

  The scanning unit scans the deposited banknote deposited in the depositing unit to create deposited banknote data, and this deposited banknote data is used for authenticity determination of the deposited banknote by the authenticity determination unit. The authenticity determination unit compares the deposited banknote data with banknote determination data stored in the banknote data storage unit (the data includes non-normal reference data indicating that the banknote is not a regular banknote). The authenticity of the deposited banknote is determined. The depositor data creation unit creates and accumulates the deposit status data for the depositor by associating the result of the authenticity determination with the depositor identification data of the depositor identified by the deposit identification unit. As a result, the deposit status data for each individual depositor is created and stored by associating the result of authenticity determination with the depositor identification data every time a deposit is made into the deposit section and a deposit operation is performed at the deposit operation section. Is done.

  The banknote transaction apparatus having the above configuration operates as follows according to the result of the authenticity determination in the authenticity determination unit. If a non-regular determination is made that the deposited banknote is an irregular banknote (fake banknote), the unauthorized deposit processing unit refers to the deposit status data created and accumulated by the depositor data creating unit and identifies the above-identified depositor. It is determined whether or not there is a past non-regular determination for. When the deposited banknote is a regular banknote (true banknote), it is sufficient to perform a depositing process according to the depositing operation performed by the depositing operation unit. This depositing process is, for example, depositing into a deposit destination account according to a depositing operation, exchange payment to a small amount bill corresponding to a deposited bill, or both of them may be performed. Therefore, as long as the deposited banknote is determined to be a true banknote, the process suitable for the request of the depositor who actually deposited the banknote is performed regardless of the past deposit status data of the depositor. There is no loss of convenience.

  On the other hand, when an irregular determination is made, the subsequent notification process is executed differently depending on whether or not there is an irregular determination history in the payment status data for the specified depositor in the past. . For example, if there is no non-regular determination history in the payment status data for the specified depositor, notification that the deposited banknote is determined to be an irregular banknote (fake banknote) is not performed, and the specified depositor is not identified. If there is a non-regular determination history in the payment status data, the fact that the deposit banknote is determined to be an irregular banknote (fake banknote) is notified to the identified depositor (non-regular determination).

  A general user who does not have malicious intention or intention at the time of depositing deposits a banknote with the recognition that his / her banknote is a true banknote, regardless of whether it is a new bill or a used banknote. Therefore, normally, the history of irregular determination does not remain in the payment status data for such general users. Even if there is a non-regular judgment history in the payment status data for general users, this is limited to cases where a fully used true banknote is judged non-genuine as a true banknote in the true / false judgment. The frequency with which the history of regular judgment remains is extremely low. In such a case, by making the non-regular reference data, which is a non-normal determination reference that is a fake banknote, different from the data that is the reference for authenticity determination for the used banknote, the general user can Even if fully used true banknotes are used, it is possible to prevent a non-regular judgment history from remaining. However, the number of times that a non-regular judgment is made in a true / false judgment when depositing banknotes is for a user (payment person) who knows that the banknote to be used is a fake banknote. Of course, the determination frequency is high in each stage.

  In view of the above-described notification processing when an irregular determination is made in such a background, a general user who does not intend to use fake banknotes maliciously or intentionally responds to the request of the user. It is possible to execute banknote transactions, specifically depositing into an account and / or exchange payment according to the depositing operation performed by the depositing operation unit, so as not to impair the convenience of these general users. However, users who use fake banknotes with malicious intentions or intentions are aware that they have malicious intentions or intentions to use false banknotes. By recognizing that the banknotes actually handled are non-genuine banknotes, it is possible to exert a deterrent effect that reminds the use of fake banknotes. And for these malicious users, the effect of deterring the use of fake banknotes can be further enhanced by restricting banknote deposits from the next time onward or collecting deposited banknotes. Various measures can be taken with respect to banknote deposit restrictions after the next time. For example, it is possible to deal with collection of cards used for deposit operations, freezing of deposits and withdrawals of accounts specified by deposit operations, and the like. Collecting the deposited banknotes received in the depositing department allows further analysis of banknotes (fake banknotes) that have been determined to be non-regular, as well as banknotes for users who request the counter to return the collected banknotes. It is possible to inquire about the intention of use (malicious intention). The analysis of recovered banknotes is used to improve the accuracy of authenticity determination by further updating the non-regular reference data. If the user who asks for the return of banknotes is a malicious user, there is a possibility that the user's use of fake banknotes can be more reliably prevented by an inquiry at the counter.

  The banknote transaction apparatus described above can be configured as follows. For example, the non-regular reference data included in the banknote determination data can be created as characteristic data for the non-normal banknote. A fake banknote is created to resemble a true banknote, and usually a characteristic mark is left on the fake banknote in the process of creation. Therefore, if the data suitable for such a characteristic trace is used as the non-regular reference data, the determination accuracy of the non-genuine banknote is increased. And if the non-regular reference data is data in which a characteristic mark is reflected on the fake banknote, even if it is a fully used banknote, it should match the non-regular reference data as long as the banknote is a true banknote. Therefore, the accuracy of determining that a fully used true banknote is a fake banknote is extremely low.

  Further, the depositor data creation unit creates the deposit status data including the number of non-regular deposit banknotes that are the targets of the determination when the authenticity determination unit makes the irregular determination. In addition, when the number of the non-regular deposit banknotes in the deposit status data created by the depositor data creation unit exceeds a predetermined number, the non-regular deposit processing unit identifies the specified deposit. The presence or absence of the past non-regular determination about a person can be determined. Users who use fake banknotes with malicious intentions or intentions usually use multiple fake banknotes, so if you determine the presence or absence of past irregular determination taking into account the number of deposited banknotes as described above, The deterrent effect of the use of fake banknotes by the above notification is enhanced.

  In addition, the non-regular payment processing unit may be configured to variably set the predetermined number in the case of determining the presence / absence of the non-regular determination in the past for the specified depositor. Rise.

  Furthermore, after providing the display part which provides an image with respect to the said depositor, the said non-regular payment process part alert | reports that the deposited banknote deposited to the said deposit part was made the said non-regular determination. The image to be displayed can be displayed on the display unit. At the time of such image notification, the scan unit displays a scan image created for the non-regular deposit banknote on the display unit, or the display unit displays the image of the serial number acquired by the scan unit scanning the non-regular deposit banknote. Can be displayed on the screen. In this way, it is possible to make a malicious user recognize not only that the deposited banknote actually deposited is an irregular fake banknote, but also that the scanned image / serial number of the fake banknote has been recorded. As a result, the deterrent effect of the use of fake banknotes by malicious users is enhanced.

[Application 2: Banknote transaction system]
A banknote transaction system,
The above-described banknote transaction apparatus and management apparatus are provided so as to be able to transmit and receive data,
The management device
A management-side banknote data storage unit that stores banknote determination data including true banknote reference data indicating that it is a regular banknote and non-regular reference data indicating that it is a non-regular banknote that is not a regular banknote; ,
A transmission unit that transmits the banknote determination data stored in the management-side banknote data storage unit to the banknote transaction apparatus;
The banknote transaction apparatus
In storing the banknote determination data in the banknote data storage unit, the gist is to receive transmission of the banknote determination data from the transmission unit.

  In the banknote transaction system having the above-described configuration, the banknote transaction apparatus that actually performs the authenticity determination on the updated banknote determination data while updating the banknote determination data serving as a reference for determining the authenticity of the deposited banknote on the management apparatus side. Send to the side. For this reason, the authenticity determination in each banknote transaction apparatus can be accurately performed based on the latest banknote determination data.

  And the said banknote transaction apparatus transmits the said payment status data created in the said depositor data preparation part to the said management apparatus, The said management apparatus receives the said payment status data which received the said transmission for another banknote transaction. It can also be transmitted to the device. If it carries out like this, since the payment status data created with a certain banknote transaction apparatus can be shared by several banknote transaction apparatuses, the deterrent effect of the use of the fake banknote with respect to a malicious user increases.

It is explanatory drawing which shows roughly the whole image of the banknote transaction system 10 as an Example of this invention. It is a block diagram which shows the electrical schematic structure of the automatic teller machine 100 as an Example of the banknote transaction apparatus which comprises the banknote transaction system 10. FIG. It is a block diagram which shows mechanically the mode of banknote conveyance in the automatic teller machine 100. FIG. It is a flowchart which shows the procedure of a money_receiving | payment process. It is explanatory drawing which shows typically the mode of the authenticity determination data used when performing authenticity determination of the deposited banknote for every money type. It is explanatory drawing explaining the property of the authenticity criterion data of FIG. It is explanatory drawing which shows the example of a display in the case of the deposit banknote return in the case of not including specific false banknote determination reference | standard data. It is explanatory drawing which shows the example of a display alert | report in case there are many deposits of a fake banknote, even if it exists in this deposit | payment after there existed the deposit | payment history of a fake banknote in the past.

  Hereinafter, embodiments of the present invention will be described based on examples. FIG. 1 is an explanatory diagram schematically showing an overall image of a banknote transaction system 10 as an embodiment of the present invention, and FIG. 2 shows the electricity of an automatic cash transaction apparatus 100 as an embodiment of a banknote transaction apparatus constituting the banknote transaction system 10. It is a block diagram which shows a general schematic structure.

  The banknote transaction system 10 according to the present embodiment is configured to correspond to banknote transactions in an automatic teller machine 100 installed at a main branch of a bank. As shown in FIG. The HC and the automated teller machine 100 of each branch bank are provided so that data can be transmitted and received via the Internet NW, and in the head office, the host computer HC can transmit and receive data to and from the automated teller machine 100 via a dedicated line. . The host computer HC functions as a server that comprehensively manages the automatic teller machine 100 in each branch office including the head office, and creates and manages data for determining fake banknotes at the bank head office.

  The host computer HC is connected to the banknote reader NSC in addition to the automatic teller machine 100, and inputs characteristic data created by reading the banknote reader NSC with respect to the fake banknote NS, data about the true banknote, etc. Receive. Data about the fake banknote NS is used for authenticity determination of the deposited banknote, and corresponds to non-regular reference data in the present application. The data about the fake banknote NS (hereinafter referred to as non-regular reference data) indicates that the banknote is a non-regular banknote that is not a regular banknote. It is created through reading by the bill reader NSC and image analysis by a data analyzer NSA described later, and is updated and input to the host computer HC each time. Even in the data about the true banknote, it is used for authenticity determination of the deposited banknote. The data about the true banknote (hereinafter referred to as the true banknote reference data) indicates that the banknote is a regular banknote. In addition to the data itself which the banknote reader NSC has read and created for the true banknote, it is a public institution. Data of true banknotes provided by the In this case, the true banknote reference data includes data about the true banknote of the new bill, and even if the true banknote is used to some extent (old banknote), it is determined to be a true banknote in the automatic teller machine 100 described later. Data about the old banknotes is also included so that it can be done. Both reference data about the above-mentioned true banknotes / fake banknotes are prepared for each denomination. In the false banknote reference data, a plurality of types are prepared for each denomination.

  The bill reader NSC incorporates multiple types of sensors, including optical line photo sensors, and bill transport equipment, and acquires bill type data, serial number data, image data, etc. while transporting bills. The data is output to the data analyzer NSA. The data analyzer NSA is a device capable of data input / output and data processing, such as a personal computer. The data analyzer NSA analyzes data received from the banknote reader NSC and outputs data characteristic of the counterfeit banknote NS, which will be described later. Create as reference data and send the data to the host computer HC. The bill reader NSC and the data analyzer NSA can be installed in the data center.

  The host computer HC, in cooperation with the CPU, RAM / ROM, program, etc., constructs the communication unit HCT and the data storage unit HCM, and the fake bill standard for various fake bills NS input from the data analyzer NSA described above. Data and true banknote reference data for true banknotes are stored in the data storage unit HCM for each denomination. The reference data of the true bill / fake bill stored in this way is used as the true / false judgment data for making the true / false judgment of the deposited bill, and the cash automatic transaction apparatus 100 is periodically or irregularly passed through the communication unit HCT. Sent to. The fake banknote reference data is updated and accumulated in the data storage unit HCM every time it is updated by the data analyzer NSA, and transmitted each time.

  As shown in FIG. 1, the automatic teller machine 100 includes a bill depositing / dispensing mechanism unit 110, a display operation unit 120, a card receiving unit 130, and a passbook receiving unit 140 in an apparatus housing unit. These are devices involved in the operation of a depositor who wants to deposit banknotes, display to the depositor, and delivery of banknotes / passbooks, and the banknote deposit / withdrawal mechanism 110 opens and closes a shutter 111 installed on the front of the apparatus. Then, it accepts banknote deposits from the depositor and pays out the returned banknotes to the depositor. The display operation unit 120 includes a liquid crystal display functioning as a touch panel, displays various character information / image information on the liquid crystal display, and accepts a deposit operation performed by the depositor along with deposit. Further, the display operation unit 120 is used for setting the number of counterfeit bills to be described later for maintenance personnel of the automatic teller machine 100. The card receiving unit 130 includes a card transport device and a card reading device, receives a magnetic stripe card or IC built-in card inserted by the depositor when depositing, and returns the card after deposit processing. The card accepting unit 130 is also provided with a statement issuing device that fills in the deposit / withdrawal items in the statement form and discharges the form. The passbook accepting unit 140 includes a passbook transfer device, a passbook reading device, and a passbook printing device, accepts a passbook inserted by the depositor instead of the card or together with the card, and enters the deposit process details after the deposit process. To return. The shutter opening / closing in the banknote deposit / withdrawal mechanism 110, the display on the display operation unit 120, the card reception / return in the card reception unit 130, and the passbook reception / printing / return in the passbook reception unit 140 are from the control unit 200 described later. Based on the control signal.

  The identification of the depositor in this embodiment is to use a card or passbook inserted by the depositor himself. Therefore, the card accepting unit 130 reads the depositor information from the card, and the passbook accepting unit 140 is based on the magnetic stripe of the passbook. Read creditor information. The read depositor information is output to the control unit 200 together with a signal corresponding to the deposit operation actually performed by the depositor in the display operation unit 120, and is used for identifying the depositor in the control unit 200. This depositor information is information created after confirming the identity of the depositor as data unique to the depositor, and is read from the inserted card or passbook. (For example, input of a personal identification number, biometric identification data such as a fingerprint or a vein pattern).

  As shown in FIG. 2, the automatic teller machine 100 includes a banknote transport unit 150, a banknote reading unit 160, and a storage unit 170, in addition to the control unit 200 responsible for overall control of the device, in addition to the above-described devices related to the depositor. Is provided. While transmitting data to and from these devices, the control unit 200 controls not only depositing banknotes but also accepting / dispensing cards and bankbooks associated with banknote deposits, and determining the authenticity of banknotes described below. The control unit 200 is configured using a computer, and in cooperation with the CPU, RAM / ROM, program, and the like, the communication unit 202, the authenticity determination unit 204, the storage unit 206, the depositor identification unit 208, and the data processing unit 210. And the deposit / withdrawal processing unit 212. The communication unit 202 is connected to the Internet NW, and transmits to the host computer HC data such as a later-described authenticity determination result performed by the authenticity determination unit 204 and receives authenticity determination data from the host computer HC. concern. The authenticity determination unit 204 collates the data read by the banknote reading unit 160 as will be described later, and executes authenticity determination of the deposited banknote based on the result of the collation. The storage unit 206 updates and stores the above-described authenticity determination data received from the host computer HC.

  The depositor specifying unit 208 is based on the depositor information input from the card accepting unit 130 or the passbook accepting unit 140, or based on the depositor information and the deposit operation actually performed by the depositor in the display operation unit 120. , Identify the depositor. When the depositor deposits money into his / her account, the depositor information can be specified by the depositor information input from the card accepting unit 130 or the passbook accepting unit 140, and the depositor deposits into another person's account. Can identify the depositor based on the depositor information input from the card reception unit 130 or the passbook reception unit 140 and the deposit operation (such as password input) actually performed by the depositor in the display operation unit 120. desirable.

  The data processing unit 210 creates the payment status data for the depositor who performed the deposit operation, including the result of the authenticity determination. The deposit / withdrawal processing unit 212 performs processing related to receipt and withdrawal of deposited banknotes by driving and controlling the banknote transport unit 150 and the banknote deposit / withdrawal mechanism unit 110.

  Next, the banknote conveyance by the banknote conveyance part 150 and the storage part 170 and its storage are demonstrated. FIG. 3 is a block diagram mechanically showing a state of banknote conveyance in the automatic teller machine 100. As shown in FIG. 3, banknote conveyance is performed between a banknote deposit / withdrawal mechanism unit 110 that receives banknote deposits and a storage unit 170 that stores banknotes, and the banknote deposit / withdrawal mechanism unit 110 is located below the shutter 111. A bill insertion hopper 112, a reject stacker 114, and a temporary storage 116 are provided. The banknote insertion hopper 112 receives the deposited banknotes inserted by the depositor, and the reject banknotes 114 are conveyed with the returned banknotes to the depositor. The temporary storage 116 temporarily stores bills that have been made into true bills as described later as a result of bill reading by the bill reading unit 160.

  The storage unit 170 is partitioned into the reject store 172 and the storage stores 173 to 175, and the reject store 172 temporarily stores returned banknotes. The storages 173 to 175 are prepared for each denomination of banknotes that can be handled by the automatic teller machine 100, and store and store the received banknotes for each denomination. In this embodiment, since it is assumed that banknotes of three kinds of denominations are handled, three storage boxes 173 to 175 are prepared. A banknote currency sensor 155 that detects passage of banknotes and a switching gate 156 that switches the conveyance direction of banknotes are installed at the banknote entrances and exits of the reject store 172 and the storage stores 173 to 175, respectively. The detection signal of the banknote currency sensor 155 and the denomination determination signal read by the banknote reading unit 160 are output to the deposit / withdrawal processing unit 212 (see FIG. 2) described above, and the deposit / withdrawal processing unit 212 is based on these signals. Each switching gate 156 is driven. Thereby, the deposited banknote is transported to the reject store 172 or the storage stores 173 to 175 and stored.

  The banknote transport unit 150 transports banknotes between the above-described banknote depositing / dispensing mechanism unit 110 and the storage unit 170 along the depositing path 152 and the dispensing path 154 described below. The depositing path 152 includes a first-half depositing path from the banknote insertion hopper 112 of the banknote depositing / dispensing mechanism unit 110 to the temporary storage unit 116 via the banknote reading unit 160, and the banknote reading unit 160 from the temporary storage unit 116. It is comprised by the latter half payment path | route until it reaches the rejection store | warehouse | chamber 172 and storage 173-175 of the storage part 170 via. The payout path 154 is a path from the reject box 172 and the storage boxes 173 to 175 of the storage unit 170 to the reject stacker 114 of the banknote depositing / dispensing mechanism unit 110 via the banknote reading unit 160. The banknote transport unit 150 receives a control command from the control unit 200, more specifically, the deposit / withdrawal processing unit 212, drives a drive motor (not shown), and transports the banknote as follows.

  When the depositor inserts banknotes into the banknote insertion hopper 112 of the banknote depositing / dispensing mechanism section 110, the banknote transport section 150 receives a control signal from the depositing / dispensing processing section 212, and deposits banknotes one by one from the banknote insertion hopper 112. The separated deposited banknotes are sent one by one to the first half deposit path of the deposit path 152. The deposited banknote sent out in this way reaches the banknote reader 160 after the banknote currency is detected by the banknote currency sensor 155 in front of the banknote reader 160. The banknote reading unit 160 reads and scans the deposited banknote and outputs the scan result to the authenticity determination unit 204, the data processing unit 210, and the deposit / withdrawal processing unit 212 of the control unit 200. Since the denomination of the banknote, the authenticity of the banknote, or the usage status of the banknote such as tearing is determined by the scan data in the banknote reading unit 160, the deposited banknote is continuously transported by the banknote transport unit 150 according to the determination result. The The deposited banknote determined to be a true banknote in the authenticity determination described later is transported to the temporary storage 116 and prepared for transport for storage in the storage unit 170. When the bills are conveyed to the temporary storage 116, the switching gate 156 at the branch point with the payout path 154 before the reject stacker 114 is driven and controlled. On the other hand, banknotes whose denominations cannot be determined, banknotes that have been determined to be false banknotes as described later, and banknotes having abnormal dimensions, etc., are rejected by the stacking path 154 via the reject stacker 114 via the switching gate 156. It is returned and conveyed. Thereby, the banknote is returned to the depositor.

  The deposited banknotes transported to the temporary storage 116 are transported to the storage unit 170 along the latter half of the deposit path 152. That is, the deposited banknote transported to the temporary storage 116 is returned to the banknote reading unit 160 by the switching gate 156 after the banknote currency is detected by the banknote currency sensor 155 in front of the switching gate 156, and this banknote is renewed. Scanned by the reading unit 160. By this scan, the denomination of the banknote being conveyed toward the storage unit 170 side and the state of use of the banknote are known, so that the switching gate 156 is driven according to the result and the banknote is being conveyed to the temporary storage 116. Deposited banknotes are conveyed to the reject store 172 and storage stores 173 to 175 of the storage unit 170 along the above-described second half deposit path of the deposit path 152. In this case, a banknote that cannot be withdrawn again because the banknote is dirty or torn is determined as a reject ticket, and the banknote is conveyed to the reject box 172 and stored. Bills for each denomination are conveyed to the storages 173 to 175.

  Next, the authenticity determination of a banknote performed by the control unit 200 in cooperation with the banknote reading unit 160 while using the authenticity determination unit 204, the storage unit 206, and the like, and a deposit process associated therewith will be described. FIG. 4 is a flowchart showing the procedure of the deposit process.

  As shown in FIG. 4, in the depositing process of the present embodiment, first, the process waits until there is a deposit transaction of the depositor itself (step S100). The presence / absence of the deposit transaction is determined by inserting a card into the card receiving unit 130 (see FIGS. 1 and 2), inserting a passbook by the depositor into the passbook receiving unit 140 (see FIGS. 1 and 2), and a display operation unit. This is determined by an operation by the depositor of the deposit acceptance operation unit displayed at 120 (see FIGS. 1 and 2). When there is a deposit transaction by the depositor, the control unit 200 interprets the deposit operation by the depositor (step S110), and specifies the depositor based on the interpretation result (step S120). In general, banknote depositing is performed on a banker who wants to deposit banknotes to his / her bank account or a bank account to which he / she desires. For example, since a personal identification number is individually assigned to the depositor in advance, a creditor who wants a deposit transaction of banknotes is required to input the personal identification number. Therefore, the control unit 200 reads the depositor's operation input on the password display operation unit 120 and identifies the depositor with the determined match of the password. For this identification, the depositor identification data stored in the storage unit 206 of the control unit 200, that is, the individual depositor data for each depositor added to the card or passbook, and the password data predetermined for each depositor, Is referred to. In this case, if you pay to your own account, you can omit the PIN and insert a card or passbook. If the entered password and the individual creditor data of the card or passbook do not match, a message such as an incorrect input of the password is displayed on the display screen of the display operation unit 120.

  The individual depositor data added to the card or passbook is allocated as data unique to the depositor. This individual depositor data is stored in the automatic teller machine 100 in which the depositor is performing the deposit operation. Not necessarily. For example, if the depositor opens an account at the bank head office, the individual data of the depositor is stored in the automated teller machine 100 of the bank head office, but is not stored in the automated teller machine 100 of another branch. Absent. Therefore, if the individual depositor data added to the card or passbook is not stored in the automatic teller machine 100 in which the depositor has performed the deposit operation, more specifically, the storage unit 206 of the control unit 200, the control unit 200. In the identification of the depositor in step S120, the individual cashier transaction data is introduced to the automatic teller machine 100 at the head office or another branch, and the individual depositor data received and the depositor's deposit operation (for example, Specify the depositor by entering the PIN.

  Following the identification of the depositor, the control unit 200 performs release control of the shutter 111 (see FIG. 3) in the bill deposit / dispensing mechanism unit 110 and receives the deposited bill in order to accept bill deposit (step S130). Next, the received banknotes received with the shutter 111 closed are received one by one in the deposit path 152 (see FIG. 3) and conveyed to the banknote reading unit 160 (deposited banknote transport) (step S140). The banknote reading unit 160 scans the deposited banknotes being conveyed one by one with various sensors (step S150), and outputs the scan result to the authenticity determination unit 204. The authenticity determination unit 204 collates the scan result of the received deposited banknote with the authenticity determination data stored in the storage unit 206 (step S160), and performs the authenticity determination of the deposited banknote in the subsequent steps. . Prior to the description of the authenticity determination performed by the automatic teller machine 100 according to the present embodiment, data verification will be described. FIG. 5 is an explanatory view schematically showing the state of authenticity determination data used when determining the authenticity of a deposited banknote for each denomination, and FIG. 6 is an explanatory view for explaining the nature of the authenticity determination reference data of FIG. It is.

  The authenticity determination data shown in FIG. 5 is prepared for each denomination that is assumed to be handled by the automatic teller machine 100, and authentic bill determination reference data indicating that it is a regular bill (true bill), Non-regular banknotes (false banknotes) that are not normal banknotes. The true banknote determination reference data includes data sufficient to specify the true banknote if it is a true banknote even if it is a banknote (old banknote) that is used even if it is close to the state of a new bill. It is configured to include data that does not hinder even if it is determined that the bill is a true banknote in consideration of fraying, fouling, and the like. When this state is described with reference to FIG. 6, the range surrounded by the first true bill determination boundary KF indicated by the dotted line in the drawing is a data range sufficient to specify the true bill for the new bill and the old bill. Even if it determines with the range enclosed by the 2nd true banknote determination boundary KS and the 1st true banknote determination boundary KF being a true banknote, it is a data range without trouble. And the range outside the second true banknote determination boundary KS is a data range in which it can be determined that the banknote is a fake banknote or an unusable banknote (denomination banknote other than assumed transaction, such as a foreign banknote). It is.

  Normally, fake banknotes are created to resemble true banknotes, but the creation process (fake banknote creation process) is different from the creation process at a public institution for banknote management, so fake banknotes go through a fake banknote creation process. It has unique characteristics. For example, there are features that are different from true bills in the vicinity of a person image of a bill, and there are features that are different from true bills in a watermark area of a bill. The characteristics peculiar to such fake banknotes are grasped and converted into data by data analysis by the banknote reader NSC and the data analyzer NSA at the bank head office having the host computer HC. The data specific to the fake banknote is updated and stored in the host computer HC as the specific fake banknote determination reference data A, data B, data C... Shown in FIG. Then, the host computer HC transmits the specific fake banknote determination reference data A, data B, data C,... To the automatic teller machine 100 of each branch bank periodically or every time update storage is performed. 100 memorize | stores the specific false banknote determination reference data which received the transmission in the memory | storage part 206 with true banknote determination reference data. Thereby, the authenticity determination data including the true banknote determination reference data and the specific fake banknote determination reference data is stored in the storage unit 206 of the control unit 200 in advance.

  The specific fake banknote determination reference data A, data B, data C,... Peculiar to the fake banknote are data having a property located outside the second true banknote determination boundary KS as shown in FIG. If the banknote creation process becomes more precise, it may be data having a property located between the first true banknote determination boundary KF and the second true banknote determination boundary KS. In consideration of these points, in the first step S170 of the authenticity determination of the present embodiment, the scanned data of the deposited banknote obtained from the banknote reading unit 160 in step S150 and the authenticity determination reference data (true banknote in FIG. 5). Whether or not specific false banknote determination reference data A, data B, data C,... Are included in the scan data of the deposited banknote after collation (determination standard data and specific false banknote determination reference data) (step S160). Determine. Here, if a negative determination is made that the specific banknote determination reference data is not included in the scan data of the deposited banknote, the boundary of true / false determination is set to the second true banknote determination boundary KS, and the scan data of the deposited banknote is It is determined whether or not it is included in the area inside the second true banknote determination boundary KS (step S180). If the determination is affirmative, it is determined that the deposited banknote is a true banknote and the depositing operation performed by the depositor is performed. A deposit process is executed (step S190), and this routine ends.

  In the case where the scan data of the deposited banknote does not include the specific counterfeit banknote determination reference data, the true / false judgment boundary is set to the second true banknote judgment boundary KS. The range expands. Usually, since a general user uses such old banknotes without any malicious intentions, there is no loss of convenience by expanding the range of true bill determination of old banknotes.

  As the depositing process in step S190, for example, it corresponds to the amount specified by the depositing operation in addition to the deposit corresponding to the deposit banknote to the own account specified by the depositor in the display operation unit 120 or the account of another person. The amount of money to be paid or money exchange can be exemplified. If the deposit is to the account, the control unit 200 transmits the deposit processing data to the main branch having the designated account or another affiliated bank main branch using the communication unit 202. In this case, the control unit 200 controls the banknote transport unit 150 to transport and store the deposited banknotes in the storage boxes 173 to 175 of the storage unit 170 for each denomination, and rejects banknotes that are not suitable for reuse. Carry and store in storage 172. If the deposit operation is exchange, the control unit 200 controls the banknote transport unit 150 to transport and store the deposited banknotes in the storage unit 170 for each denomination, and then the amount corresponding to the deposited banknote is small. A banknote is conveyed to the reject stacker 114 of the banknote depositing / dispensing mechanism part 110 via the banknote conveyance part 150, and the exchanged banknote is returned to a depositor. When returning, the control unit 200 performs opening / closing control of the shutter 111. Further, in step S190 described above, the control unit 200 returns the card or passbook inserted by the depositor, the deposit record record to the passbook in the passbook accepting unit 140, and the receipt of the deposit statement in the card accepting unit 130. Also do.

  In step S180 described above, if the scanned data of the deposited banknote is included in the area outside the second true banknote determination boundary KS, the control unit 200 controls the banknote transport unit 150 to reject the deposited banknote. It is conveyed to 114 and returned to the depositor, and the card and passbook are also returned (step S200). Since this deposit banknote return is after the determination that the specific banknote determination standard data peculiar to the counterfeit banknote is not included in step S170 prior to step S180, the depositor is notified that the banknote cannot be handled. . FIG. 7 is an explanatory diagram showing a display example when returning the deposited banknote when the specific fake banknote determination reference data is not included. Since the control unit 200 displays the image shown in FIG. 7 on the image display unit of the display operation unit 120, the depositor in contact with the display receives the card, the passbook, and the returned banknote, and then inserts and deposits the received banknote again. Perform the operation.

  If an affirmative determination is made in step S170 that the scanned data of the deposited banknote includes the specified fake banknote determination reference data A, data B, data C,..., The deposit corresponding to the specific fake banknote determination reference data is received. It is determined whether or not the scan data of the banknotes matches a specific counterfeit banknote determination criterion sufficient to determine that the banknotes are fake banknotes (step S210). This is because, as described schematically in FIG. 5, there are respective data ranges even in the specific fake banknote determination reference data, and therefore when belonging to the periphery of such a data range and when belonging to the inner side of the data range. This is to make a distinction. If a negative determination is made in step S210, the process proceeds to the above-described step S180, and a match determination based on the true banknote determination criterion and a process corresponding to the result are performed.

  On the other hand, since an affirmative determination that the specific fake banknote determination criterion is met in step S210 means that the received banknote is determined to be a fake banknote, in this case, the payment specified in step S120. The payment status data for the person is created, and the data is stored in the storage unit 206 (step S220). This deposit status data includes the depositor's data specified with the deposit operation, for example, individual depositor data such as the depositor's name and account number added to the card and passbook, and the date and time when the deposit operation was performed. The data, the determination result that it is determined that the deposited banknote is a fake banknote, the denomination data of the deposited banknote and the number-of-sheets data are created in correspondence with each other, and are stored in the storage unit 206 each time the creation is made. 206 is accumulated. The control unit 200 accumulates and stores the deposit status data including the determination result of the false banknote in the storage unit 206, and also transmits the deposit status data to the host computer HC. Then, the host computer HC stores the payment status data received from each branch line in its own data storage unit HCM, and in response to a request from the automatic teller machine 100 of each branch line, or Send deposit status data regularly. For this reason, said payment status data including the determination result of the false banknote created by the automatic teller machine 100 of a certain branch is shared and used by each automatic teller machine 100 of the main branch.

  Subsequent to step S220, using the above-described past deposit status data accumulated in the storage unit 206, the history of the deposit status of the identified depositor is collated (step S230). The determination of whether or not there is a deposit history of fake banknotes (step S240) and the determination of the excessive number of deposits of fake banknotes in this deposit (step S250) are continued. The determination that there is a deposit history of fake banknotes in step S240 is the deposit history with the same specified fake banknote determination reference data as the specific fake banknote determination reference data A, data B, data C, etc. included in step S170. In addition to the case where the specified depositor has already been identified, the deposit history with the specified fake banknote determination reference data different from the specified fake banknote determination reference data A, data B, data C... Can also be issued if it exists for a specified depositor. The number of deposits used in the determination in step S250 is set through the operation of the display operation unit 120 by maintenance personnel.

  When it is determined negative in step S240 that there is no fake banknote deposit history, and when it is determined negative in step S250 that the number of fake banknotes deposited is small (for example, 1 to 2), the process proceeds to step S200. Return the deposited banknote and display that it cannot be handled (see FIG. 7). This is due to the following reason. Step S240 and step S250 have undergone the use determination (authenticity determination) of the fake banknote in step S210, but this authenticity determination uses the scanned result of the deposited banknote by the banknote reading unit 160. This is different from the true / false judgment of a specialist who performs the true / false judgment of banknotes belonging to public institutions and banks. Therefore, in view of such circumstances, when there is no deposit history of fake banknotes in the past and when there are a small number of deposited banknotes (in this case, fake bills), Since it is not appropriate to impose a transaction restriction as described later on the assumption that the use of the banknote is permanent or malicious or intentional to use fake banknotes, the process proceeds to step S200, and the returned banknotes cannot be returned or handled. It is displayed on the display. Therefore, the convenience of transactions can be prevented from being greatly impaired.

  On the other hand, if it is determined in step S240 that there is a deposit history of fake banknotes, and if the number of fake banknotes deposited is large in step S250, the use of fake banknotes is permanent or malicious or intentional fake banknotes. Assuming that there was an intention of use, notification of the use of a fake banknote and return of the deposited banknote are performed (step S260). In this case, the card or bankbook is not returned directly to the depositor as a temporary deposit in the automatic teller machine 100, and is returned at the window. FIG. 8 is an explanatory view showing a display notification example in the case where there is a deposit history of fake banknotes in the past and there are a large number of deposits of fake bills even in the current deposit. Since the control unit 200 displays the image shown in FIG. 8 on the image display unit of the display operation unit 120, the depositor is forced to go to the counter by the display of FIG. In addition, the depositor can be informed of information about banknotes that cannot be deposited after being actually deposited by the automatic teller machine 100 (in the present embodiment, serial numbers). Usually, a depositor who has a history of depositing fake banknotes in the past and intends to deposit a large number of fake banknotes has a permanent use of fake banknotes, or the use of malicious or deliberate fake banknotes. Since it is presumed that there was an intention, by performing the display notification in FIG. 8 to such a depositor, the automatic teller machine 100 indicates that the use of fake banknotes is permanent, or the intention of malicious or intentional use of fake banknotes is Can be made known to

  In returning the banknote in step S260, it is also possible to return all the banknotes deposited in addition to the return of only the deposited banknotes that have been determined to be fake banknotes as described above. Further, when temporarily keeping a card or a passbook, the receipt can be printed and issued by a statement issuing device provided in the card reception unit 130. In this way, user distrust associated with temporary storage of cards and bankbooks can be reduced.

  As described above, in the banknote transaction system 10 of the present embodiment, after specifying a depositor who wants to deposit a banknote in the automatic teller machine 100 (steps S110 to S120), the deposited banknote is transferred to the banknote reading unit 160. (Step S150), and the verification (step S160) of the scan data and the authenticity judgment reference data (see FIG. 5: true bill judgment reference data and specific fake bill judgment reference data) stored in the storage unit 206 is performed. Then, it is determined whether the scan data of the deposited banknote includes the specific fake banknote determination reference data A, data B, data C,... (Step S170). Here, if it does not include fake banknote determination reference data, true banknote determination (step S180) is performed, and if it is determined to be a true banknote, processing according to the depositing operation of the depositor is performed (step S190). Usually, since a general user is premised on depositing a true banknote, the user's convenience is not impaired.

  On the other hand, if it is determined in step S170 that the deposited banknote is suspected of being a fake banknote, further authenticity determination (step S210) is performed. The deposit status data reflecting the deposit status of the creditor is created and accumulated by associating the result of the authenticity determination (false bill determination result) with the depositor specifying data of the depositor (step S220). Then, through the history check of the deposit status of the identified depositor (step S230), it is determined whether or not there is a deposit history of fake banknotes in the past (step S240), and the determination of the excessive number of deposits of fake bills in this deposit (Step S250) is continuously performed. As a result of both of these determinations, if there is a past deposit history of fake banknotes and the current deposit banknote (payment counterfeit banknote) is a predetermined number, the current banknote deposit uses malicious bills with malicious or deliberate intentions. It is possible to exert a deterrent effect that keeps the use of fake banknotes by recognizing that a malicious user has received a deposit of a fake banknote as being by a user. And since the banknote deposit | payment after the next time is restrict | limited to these malicious users by temporary storage of a card | curd or a bankbook, the deterrent effect which reminds the use of a fake banknote increases more. Moreover, in addition to the temporary storage of the card passbook, it is urged to bring returned banknotes (fake banknotes) to the counter, so that the effect of inhibiting the use of fake banknotes is enhanced from this point. In addition to enabling further analysis of fake banknotes by returning banknotes (fake banknotes) to the counter, it is possible to inquire about the intention of using banknotes (malicious intention) at the counter. The analysis of the collected banknotes contributes to improving the accuracy of authenticity determination by further updating the specific counterfeit banknote determination reference data for determining the counterfeit banknotes. There is a possibility that the use of a counterfeit bill by the user can be more reliably prevented by an inquiry at the window.

  Moreover, in the automatic teller machine 100 of a present Example, since the reference data which determines a fake banknote was made into the specific fake banknote determination reference data created as data characteristic of a fake banknote, the characteristic which remained in the banknote preparation process The determination of the presence or absence of a trace increases the determination accuracy of fake banknotes.

  Further, as shown in FIG. 8, since the display operation unit 120 informs the malicious depositor that the deposit of the fake banknote has been received, the display operation unit 120 displays the use of the fake banknote by the malicious user. The effectiveness of the deterrence effect increases.

  As mentioned above, although the Example of this invention was described, this invention is not restricted to above-described embodiment, In the range which does not deviate from the summary, it is possible to implement in various aspects. For example, in the above-described embodiment, the deposited banknote determined to be a fake banknote is returned. However, the deposited banknote (fake banknote) can be collected and returned at the window. In this way, the effect of suppressing the use of fake banknotes for a depositor who is aware of malicious intentions or intentions is further enhanced. When collecting deposited banknotes (fake banknotes), a receipt is printed and issued by a statement issuing device attached to the card receiving unit 130.

  In addition, a malicious user of a fake banknote is notified by the display of the serial number that the display operation unit 120 has received a fake paper sheet, but the display operation of the scanned image scanned by the bill reading unit 160 is performed. It can also be displayed on the section 120. In this way, it is possible to make a malicious user recognize not only that the deposited banknote actually deposited is an irregular fake banknote but also that the scanned image of the fake banknote has been recorded. As a result, the deterrent effect of the use of fake banknotes by malicious users is enhanced.

DESCRIPTION OF SYMBOLS 10 ... Banknote transaction system 100 ... Automatic cash transaction apparatus 110 ... Banknote deposit-withdrawal mechanism part 111 ... Shutter 112 ... Banknote insertion hopper 114 ... Reject stacker 116 ... Temporary storage 120 ... Display operation part 130 ... Card reception part 140 ... Passbook reception part DESCRIPTION OF SYMBOLS 150 ... Banknote conveyance part 152 ... Deposit path 154 ... Discharge path 155 ... Bill currency sensor 156 ... Switching gate 160 ... Bill reading part 170 ... Storage part 172 ... Reject warehouse 173-175 ... Storage container 200 ... Control part 202 ... Communication part 204 Authenticity determination unit 206 ... Storage unit 208 ... Depositor identification unit 210 ... Data processing unit 212 ... Deposit / withdrawal processing unit HC ... Host computer HCT ... Communication unit HCM ... Data storage unit NS ... Fake banknote NW ... Internet NSA ... Data analysis Machine NSC ... bill reader

Claims (12)

A depositor banknote transaction apparatus that performs transactions related to banknote deposit,
A depositing unit that accepts deposits from bankers who want to deposit banknotes,
A deposit operation unit that accepts a deposit operation performed by the depositor along with deposit;
A depositor identification unit that identifies a depositor who has performed banknote deposit to the deposit unit and deposit operation in the deposit operation unit;
A scanning unit that scans the deposited banknotes deposited in the deposited unit and creates deposited banknote data;
A banknote data storage unit for storing banknote determination data including non-regular reference data indicating that the banknote is not a regular banknote;
The authenticity determination unit for verifying the authenticity of the deposited banknote by comparing the deposited banknote data created by the scan unit with the banknote determination data of the banknote data storage unit;
A depositor data creation unit for creating and storing the deposit status data for the depositor in association with the depositor identification data of the depositor identified by the deposit identification unit and the result of the authenticity determination by the authenticity determination unit When,
If the authenticity determination unit makes an irregular determination that the deposited banknote is the irregular banknote, the depositor identified with reference to the deposit status data created and accumulated by the depositor data creation unit A non-regular deposit processing unit that determines whether or not there is an irregular determination in the past and executes different notification processing for the identified depositor depending on the presence or absence of the irregular determination history in the past apparatus.   The non-regular payment processing unit, for the identified depositor who has a history of the irregular determination in the past, as the notification process, the notification that the irregular determination has been made, and the specified depositor The banknote transaction apparatus according to claim 1, wherein the banknote depositing restriction is executed after the next time.   The banknote transaction apparatus according to claim 1, wherein the irregular deposit processing unit collects deposited banknotes received by the deposit unit in addition to the notification process.   The banknote transaction apparatus according to any one of claims 1 to 3, wherein the irregular reference data included in the banknote determination data is created as characteristic data for the irregular banknote. The banknote transaction apparatus according to any one of claims 1 to 4,
The depositor data creation unit creates the deposit status data including the number of non-regular deposit banknotes that are the targets of the determination when the authenticity determination unit makes the irregular determination,
If the number of the non-regular deposit banknotes in the deposit status data created by the depositor data creation unit exceeds a predetermined number, the non-regular deposit processing unit A banknote transaction apparatus for determining the presence or absence of regular determination.   The banknote transaction apparatus according to claim 5, wherein the predetermined number when the non-regular deposit processing unit determines whether or not the past non-regular determination is made for the specified depositor is variably set.   The said regular payment process part performs the payment and / or exchange payment to the account according to the deposit operation made in the said deposit operation part as the said regular deposit process. Banknote transaction device. It is a banknote transaction apparatus in any one of Claim 1 thru | or 7, Comprising:
Furthermore,
A display unit for providing an image to the depositor;
The non-regular deposit processing part is
The banknote transaction apparatus which displays the image which alert | reports that the deposited banknote received | paid by the said deposit part was made the said non-regular determination on the said display part.   The banknote transaction apparatus according to claim 8, wherein the non-regular deposit processing unit displays a scan image created by the scan unit with respect to the non-regular deposit banknote on the display unit.   The banknote transaction apparatus according to claim 8 or 9, wherein the non-regular deposit processing unit displays an image of a serial number acquired by the scan unit scanning the irregular deposit banknote on the display unit. A banknote transaction system,
The banknote transaction device according to any one of claims 1 to 10 and the management device are provided so as to be able to transmit and receive data,
The management device
A management-side banknote data storage unit that stores banknote determination data including non-regular reference data indicating non-regular banknotes that are not regular banknotes;
A transmission unit that transmits the banknote determination data stored in the management-side banknote data storage unit to the banknote transaction apparatus;
The banknote transaction apparatus
In storing the banknote determination data in the banknote data storage unit, the banknote transaction system receives transmission of the banknote determination data from the transmission unit. The banknote transaction system according to claim 11,
The banknote transaction device transmits the deposit status data created by the depositor data creation unit to the management device,
The said management apparatus transmits the said payment status data which received the said transmission to another banknote transaction apparatus.

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