JP2010205196A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve such a problem that an automatic transaction device is often made smaller for decreasing an installation space in recent years, and thereby, a space for implementing option mechanisms on an operation part of the automatic transaction device is limited. <P>SOLUTION: A transmission/reception part of a non-contact IC reader/writer is implemented between an input part and a display part constituting an input/display part. When a portable terminal having an IC chip is placed on the input/display part in transactions to use the portable terminal, the portable terminal is guided to a portable terminal installation area (in the vertical direction above the transmission/reception part of the non-contact IC reader/writer) in order to facilitate communications between the portable terminal and the transmission/reception part of the non-contact IC reader/writer. When a user is a healthy person, a portable terminal guide screen is displayed on the input/display part to guide the portable terminal. When the user is a visually handicapped person, the portable terminal is guided by a voice guidance. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution, and more particularly to an automatic transaction apparatus that performs data communication with a mobile terminal through short-range communication.

  In recent years, mobile terminals such as mobile phones are equipped with interfaces such as non-contact IC communication, infrared communication, and Bluetooth (registered trademark). In particular, IC chips used for non-contact IC communication are mounted on most portable terminals, and services targeting portable terminals equipped with such IC chips are increasing. For example, an increasing number of financial institutions employ automatic transaction apparatuses equipped with an IC reader / writer that performs non-contact IC communication (hereinafter referred to as “non-contact IC reader / writer”).

  As an example of the automatic transaction apparatus, there is an apparatus having an input display unit that serves as both a customer input and a transaction screen display in the center and an operation unit in which an optional mechanism is mounted in the left and right spaces. In addition to the non-contact IC reader / writer, the optional mechanism includes a handicapped response mechanism that improves the convenience of the handicapped person, a biometric authentication device for security enhancement, and the like.

  An apparatus in which a card reader is installed below the input display unit is described in Patent Document 1. In the case of the device described in the document, a camera is installed below the operation screen to identify the medium placed on the operation screen, and the position touched when the user touches the medium is identified. Processing according to the characteristics described in the position is performed.

JP 2008-110206 A

  In recent years, automatic transaction apparatuses tend to be downsized in order to reduce the installation space. Generally, the width of an automatic transaction apparatus for a financial institution sales store is 600 mm or less, and the width of an automatic transaction apparatus for a convenience store with a small installation space is 450 mm or less. The main display size for displaying the transaction screen is 15 inches (length: 228 mm × width: 304 mm). In the case of a 15-inch display, the mounting space for the optional mechanism is about 75 to 150 mm on the left and right. Therefore, the space in which the optional mechanism can be mounted on the operation unit of the automatic transaction apparatus is limited.

  In order to solve the above-described problems, the present invention is characterized in that a transmission / reception unit of a non-contact IC reader / writer is mounted between an input unit and a display unit constituting an input display unit.

  When communication is performed between a portable terminal equipped with an IC chip and a non-contact IC reader / writer, the portable terminal is placed on the input display unit. At this time, in order to facilitate communication with the non-contact IC reader / writer, the mobile terminal is in a vertically upward direction (hereinafter referred to as a “mobile terminal installation area”) of the transmission / reception unit of the non-contact IC reader / writer. Induce. When the user is a healthy person, the portable terminal is guided by displaying the portable terminal installation area on the input display unit. On the other hand, when the user is a visually impaired person, the portable terminal is guided to the portable terminal installation area by voice guidance. The contents of the voice guidance include, for example, the direction of the mobile terminal installation area based on the position of the mobile terminal and the distance between the position of the mobile terminal and the mobile terminal installation area. Furthermore, the volume of the voice guidance may be increased as the distance between the position of the mobile terminal and the mobile terminal installation area is closer.

  Whether the user is visually impaired is determined based on whether the handicapped person handling mechanism is used or whether the mobile terminal is placed at a position far away from the mobile terminal installation area.

  According to the present invention, by mounting the transmission / reception unit of the non-contact IC reader / writer between the input unit and the display unit, a space around the input display unit is made free and a new optional mechanism can be easily implemented.

  In addition, when the user is a healthy person, the positional relationship between the mobile terminal placed on the input unit and the mobile terminal installation area is obtained, and the mobile terminal is guided to the mobile terminal installation area by screen display or voice guidance. In addition, even if the user is a visually handicapped person, a transaction using a mobile terminal equipped with an IC chip is possible.

It is a figure which shows an automatic transaction apparatus and a portable terminal. It is an external view which shows an automatic transaction apparatus. It is a structural diagram of an input display part and a non-contact IC reader / writer. It is a figure which shows a transaction selection screen. It is a figure which shows a deposit / withdrawal selection screen. It is a figure which shows a portable terminal set guidance screen. It is the figure where the portable terminal was put correctly. It is a figure which shows a portable terminal guidance screen. It is a figure which shows an IC chip reading screen. It is a figure which shows an authentication failure screen. It is a figure which shows a portable terminal receipt screen. It is a figure which shows a PIN code input screen. It is a figure which shows an amount input screen. It is a figure which shows the screen during a process. It is a figure which shows a cash receipt screen. It is a figure which shows a portable terminal forget screen. It is the figure which showed the transaction flow in a 1st Example. It is the figure which showed the transaction flow in a 1st Example. It is the figure which showed the transaction flow in a 1st Example. It is the figure which showed the distance of a portable terminal and a portable terminal installation area. It is a correlation diagram with the distance of a portable terminal and a portable terminal installation area, and the magnitude | size of a sound volume. It is the figure which showed the transaction flow in a 2nd Example. It is the figure which showed the transaction flow in a 2nd Example. It is a figure which shows the portable terminal set guidance screen in which the cancellation key is arrange | positioned. It is a screen which guides that transaction is canceled. It is the figure which showed the transaction flow in a 3rd Example.

  The first embodiment of the present invention will be described below.

  FIG. 1 is a block diagram of a mobile terminal equipped with an IC chip and an automatic transaction apparatus, and FIG. 2 is an external view showing the periphery of an operation unit of the automatic transaction apparatus.

  The automatic transaction apparatus 101 includes an input display unit 102, an optional mechanism such as a non-contact IC reader / writer 103, a biometric authentication mechanism 104, and a handicapped person response mechanism 105, a speaker 106 that outputs voice guidance, a card reading mechanism 107, , A passbook printing mechanism 108, a bill depositing / dispensing mechanism 109, a coin depositing / dispensing mechanism 110, and a main control unit 111 for controlling each part.

  The input display unit 102 displays a screen for the user to perform transactions such as deposit and withdrawal, and inputs a password or money amount. The non-contact IC reader / writer 103 includes a transmission / reception unit 201 that performs communication and a reader / writer control unit 202 that controls the non-contact IC reader / writer. The biometric authentication mechanism 104 recognizes personal biometric information such as finger veins and compares the biometric information registered in advance with an IC card or the like to identify the individual. The handicapped person handling mechanism 105 assists the business of the visually handicapped person, and is, for example, a handset with a numeric keypad.

  A mobile terminal 301 equipped with an IC chip includes a terminal control unit 302 that controls the entire terminal, an IC control unit 303, a transmission / reception unit 304, an IC chip 305, and various functions specific to the terminal (if the mobile phone is a telephone And a function control unit 306 for controlling the various functions.

  The IC control unit 303 controls the control of the transmission / reception unit 304 and the reading / writing of the IC chip 305. The transmission / reception unit 304 communicates with the transmission / reception unit 201 of the non-contact IC reader / writer 103. The IC chip 305 stores customer information data of various media such as a cash card and a credit card.

  FIG. 3A and FIG. 3B are a top view and a side view of the structures of the input display unit 102 and the non-contact IC reader / writer 103, respectively.

  The input display unit 102 includes an input unit including a panel 401 having a substantially rectangular shape and a transparent structure at the upper part, and a display unit 404 for displaying various guidance screens and guidance when a user performs a transaction at the lower part. Prepare. An infrared light emitting unit 402 and an infrared light receiving unit 403 are provided on the outer periphery of the panel 401, and the infrared light irradiated from the infrared light emitting unit 402 in the direction of the arrow is detected by the infrared light receiving unit 403 arranged opposite to the panel 401. When a finger or a portable terminal is placed on the panel 401, the infrared light receiving unit 403 corresponding to the position of the finger or the portable terminal cannot detect infrared rays, so that the position of the finger or the portable terminal can be specified. When a finger is placed on the panel 401 and a key is displayed in the area of the display unit 404 corresponding to the position of the finger, a function corresponding to the key is exhibited. A method for determining whether a finger is placed on the panel 401 or a portable terminal is placed will be described later.

  An infrared light emitting unit 402 and an infrared light receiving unit 403 are disposed on the outer periphery of the panel 401, and the overall size of the input display unit 102 is, for example, about 50 mm larger than the panel 401. Therefore, the space where an optional mechanism can be implemented is limited.

  Hereinafter, “place on the input display unit 102” is placed on the panel 401, “display on the input display unit 102” is displayed on the display unit 404, and “touch a key” is displayed on the display unit 404. Assume that a finger is placed in the area of the panel 401 corresponding to the key display area.

  The transmission / reception unit 201 of the non-contact IC reader / writer 103 is mounted between the panel 401 and the display unit 404, and the reader / writer control unit 202 is mounted below the display unit 404. Since a user of an automatic transaction apparatus has a lot of right-handedness, it is desirable that the mounting position of the transmission / reception unit 201 is mounted in the lower right area in the panel 401.

  The transmission / reception unit 201 has the following characteristics. (1) Although the transmission / reception unit 201 includes a metal antenna and a cover for protecting the antenna, the cover has a transmissive structure so as not to disturb the display of the display unit 404. (2) The transmission / reception unit 201 is fixed to the back side of the panel 401 or the surface of the display unit 404. Desirably, the portable terminal 301 is fixed to the back surface of the panel 401 in order to facilitate communication by reducing the distance to the transmission / reception unit 304.

  The reader / writer control unit 202 is fixed to the back surface of the display unit 404 and is connected to the transmission / reception unit 201 by an I / F cable. In order to avoid the influence of noise, the I / F cable is mounted with the shortest length.

  Hereinafter, transaction processing in a withdrawal transaction using the mobile terminal 301 will be described. In this embodiment, (1) when a healthy person uses the automated transaction apparatus 101 alone, or (2) a relationship close to the visually impaired person (hereinafter referred to as the first user) (for example, a close relative) ) Is accompanied by a healthy person (hereinafter referred to as a second user) using the automatic transaction apparatus 101, and the second user who is a healthy person performs the operation of the input display unit 102 and the deposit and withdrawal of banknotes, Only the place where the portable terminal 301 is placed on the input display unit 102 is performed by the first user.

  4 (a) to 4 (m) show main transaction screens displayed on the input display unit 102. FIGS. 5 (a) to 5 (c) are examples of withdrawal transactions. The transaction flow is shown.

  First, the main control unit 111 causes the input display unit 102 to display a transaction selection screen for selecting a transaction (FIG. 4A, step S1). Transaction selection keys 501a to 501g are displayed on the transaction selection screen, and a transaction corresponding to each key is performed when the user touches the key.

  After detecting that the mobile terminal use transaction key 501e is touched (step S2), the main control unit 111 causes the input display unit 102 to display a deposit / withdrawal selection screen for selecting a deposit transaction or a withdrawal transaction (FIG. 4). (B) Step S3). On the deposit / withdrawal selection screen, a withdrawal transaction key 501h and a deposit transaction key 501i are displayed. After detecting that the withdrawal transaction key 501h has been touched (step S4), the mobile phone guides the user to place the mobile terminal. A terminal set guidance screen is displayed on the input display unit 102 (FIG. 4C, step S5). On the portable terminal set guide screen, a picture of the portable terminal and a portable terminal installation area 503 may be displayed together with the fact that the portable terminal is placed.

  When a healthy person is using the automatic transaction apparatus 101 alone, the mobile terminal 301 can be placed on the input display unit 102 by looking at the mobile terminal set guidance screen. On the other hand, when the first user who is visually impaired and the second user who is healthy are accompanied and using the automatic transaction apparatus 101, the second use which looks at the mobile terminal set guidance screen When the person instructs the first user, the first user can place the portable terminal 301 on the input display unit 102. Further, in order to allow the first user to place the portable terminal 301 on the input display unit 102 without receiving an instruction from the second user, the main control unit 111 displays a screen via the speaker 106. You may output the audio | voice guidance which instruct | indicates holding a portable terminal according to a display.

After detecting that the mobile terminal 301 is placed on the input display unit 102 (FIG. 4D, step S6), the main control unit 111 determines the center position 601 of the mobile terminal and the center position 602 of the mobile terminal installation area. Is calculated (step S7). The distance L can be obtained by the following calculation method (FIG. 6A). 6A shows a case where the mobile terminal 301 is placed at a position away from the mobile terminal installation area 503, but the mobile terminal 301 is located in the mobile terminal installation area 503 as shown in FIG. It is calculated in the same way when placed nearby.
(1) The coordinates of the position 601 of the mobile terminal are (x1, y1),
(2) The coordinates of the center position 602 of the mobile terminal installation area are (x, y),
^{(3) L 2 = {(} x1-x) 2 + (y1-y) 2} ( however, L> 0) to.

  Here, the coordinates (x1, y1) of the center position 601 of the portable terminal are specified by the panel 401. The coordinates (x, y) of the center position 602 of the portable terminal installation area (2) corresponds to the position of the mounted non-contact IC reader / writer. Therefore, the distance L is determined by the coordinate position of (1).

  The center position 601 of the portable terminal can be obtained by the calculation method described in FIG. First, the main control unit 111 obtains the position of the infrared light receiving unit 403 that cannot detect infrared rays. Specifically, the minimum and maximum values of the x coordinate that could not be detected are xmin and xmax, respectively, and the minimum and maximum values of the y coordinate that could not be detected are ymin and ymax, respectively.

  When a finger is placed on the input display unit 102, the tip of the finger is smaller than the portable terminal, so the number of infrared light receiving units 403 that could not detect infrared rays is the number of the portable terminal 301 placed on the input display unit 102. Smaller than the case. Therefore, the area S of the region where infrared rays could not be detected is defined as S = (xmax−xmin) × (ymax−ymin), and if S is less than a certain value, the main control unit 111 displays the input display unit 102. It is determined that a finger has been placed on. On the other hand, when the main control unit 111 determines that the mobile terminal is placed on the input display unit 102 (that is, S is a certain value or more), the coordinates of the center position 601 of the mobile terminal are (x1, y1) = {(xmax− xmin) / 2, (ymax−ymin) / 2}.

  Based on the distance calculated by the calculation method described in FIGS. 6A and 6B, the main control unit 111 determines whether or not the position where the mobile terminal is placed is correct (step S8). . The distance between the center position 601 of the mobile terminal and the center position 602 of the mobile terminal installation area is not necessarily zero, and a threshold value a (for example, 20 mm) is defined in consideration of a certain amount of deviation. When the distance L is compared with the threshold value a and L is larger than a, it is determined that the mobile terminal 301 is placed in an incorrect position. On the other hand, when L is a or less, it is determined that the mobile terminal 301 is placed in the correct position.

  If it is determined in step S8 that the mobile terminal 301 is placed in the wrong position, the main control unit 111 determines whether the person who placed the mobile terminal is a visually impaired person (step S9). If the person who placed the mobile terminal is a healthy person, the mobile terminal is in the mobile terminal installation area because the position of the mobile terminal installation area displayed on the mobile terminal set guidance screen (FIG. 4C) is grasped. Located near the center position. On the other hand, if the person who placed the mobile terminal is a visually handicapped person, the position of the mobile terminal installation area displayed on the input display unit 102 cannot be grasped, and therefore it can be placed far from the center position 602 of the mobile terminal installation area. There is sex. Therefore, in this embodiment, it is determined whether or not the person who installed the mobile terminal is a visually impaired person based on the value of the distance L.

  A threshold value b (where b> a, for example, 70 mm to 100 mm) for determining whether the person is visually impaired is defined. When the distance L is compared with the threshold value b and L is larger than b, it is determined that the person who placed the mobile terminal is visually impaired. On the other hand, when L is equal to or less than b, it is determined that the user is a healthy person, and the mobile terminal guidance screen for guiding the input display unit 102 and the mobile terminal 301 to the correct position is displayed (FIG. 4 (e)). ), Step S10).

  In step S9, when it is determined that the person who placed the mobile terminal is a visually impaired person, the main control unit 111 determines the center position 602 of the mobile terminal installation area based on the center position 601 of the mobile terminal equipped with the IC chip. Is determined (step S11). As for the direction, when the coordinates of the center position 601 of the mobile terminal are (x1, y1) and the coordinates of the center position 602 of the mobile terminal installation area are (x, y), the magnitude relationship between x and x1, and y and y1 It is required by the size relationship.

  Thereafter, the main control unit 111 outputs voice guidance for guiding the mobile terminal 301 to the correct position via the speaker 106 (step S12). The voice guidance includes a distance L and a moving direction, and the volume of the voice guidance is variable according to the size of the distance L. For example, as illustrated in FIG. 7, the volume of the voice guidance may be increased as L is smaller (that is, the center position 601 of the mobile terminal is closer to the center position 602 of the mobile terminal installation area).

  The voice guidance indicating the moving direction of the center position 602 of the mobile terminal installation area based on the center position 601 of the mobile terminal equipped with the IC chip is as follows. The coordinates of the center position 601 of the mobile terminal are (x1, y1) and the coordinates of the center position 602 of the mobile terminal installation area are (x, y). When (1) x> x1, “Please move to the right. "If x <x1, please move to the left", (2) If y> y1, move "up", if y <y1, "Move downward" Please show "in four directions (up, down, left and right).

  When the mobile terminal is placed again by the user, the distance L between the center position 601 of the mobile terminal and the center position 602 of the mobile terminal installation area is obtained (step S13), and whether the position where the mobile terminal 301 is placed is correct. It is determined again (step S14). When it is determined again that the distance L is larger than the threshold value a, the steps after step S11 are repeated until L becomes the threshold value a or less.

  If it is determined in step S8 or step S14 that the distance L is equal to or smaller than the threshold value a, the main control unit 111 reads customer information of the IC chip 305 built in the portable terminal 301 (step S15A). At this time, an IC chip reading screen for guiding the reading is displayed on the display unit 404 (FIG. 4F). In addition, when the person who placed the mobile terminal is a visually impaired person, the visually impaired person may want to grasp the transaction content, and therefore, the main control unit 111, as in step S15B and subsequent steps in FIG. Voice guidance may be output via the speaker 106 (FIG. 5C, Step S15B to Step S28B).

  When the customer information stored in the IC chip 305 cannot be read correctly (in the case of N in Step S16A and Step S16B), the processing after S15 is repeated. If the number of repetitions of step S15A and step S16A (or step S15B and step S16B) is specified in advance (step S17A, step S17B), and the data cannot be read correctly even after the specified number of times is reached, the main control unit 111 displays An authentication failure screen is displayed on 102 (FIG. 4 (g), step S18A), or along with the display of the authentication failure screen, guidance for authentication failure and transaction suspension is output via the speaker 106 (step S18B), and the transaction ends. .

  When the customer information stored in the IC chip 305 can be read correctly (in the case of Y in step S16A and step S16B), the main control unit 111 receives the IC chip reading success and the portable terminal in the input display unit 102 The mobile terminal receiving screen for guiding the mobile terminal is displayed (FIG. 4 (h), step S19A), or guidance indicating that the mobile terminal 301 is received together with the display of the mobile terminal receiving screen is output via the speaker 106 (step S19B). When a certain time has elapsed, it is determined whether or not the portable terminal 301 is placed on the input display unit 102 (step S20A, step S20B), and when it is determined that the portable terminal 301 is placed on the input display unit 102 The process of step S20A (or step S20B) is performed again. On the other hand, if it is determined that the portable terminal 301 is not placed on the input display unit 102, the process proceeds to the next step.

  When the reception of the portable terminal is completed, the main control unit 111 displays the password input screen for inputting the password on the input display unit 102 (FIG. 4 (i), step S21A), or the password is displayed together with the display of the password input screen. Guidance to input the number is output via the speaker 106 (step S21B). A numeric key 501j, a confirmation key 501k, and a correction key 501l are displayed on the personal identification number input screen, and a personal identification number is input by touching the numeric key 501j. If the input is wrong, it can be corrected by touching the correction key 501l, and the input is completed by touching the confirmation key 501k (step S22A, step S22B).

  After completing the input of the personal identification number, the main control unit 111 causes the display unit 404 to display an amount input screen for inputting the amount (FIG. 4 (j), step S23A), or to input the amount together with the display of the amount input screen. The guidance is output through the speaker 106 (step S23B). On the amount input screen, a numeric key 501j, a confirmation key 501k, a correction key 501l, and a denomination key 501m are displayed, and an amount is input by touching the number key 501j and the denomination key 501m. The functions of the correction key 501l and the confirmation key 501k are the same as those in the screen of FIG. 4 (i) (step S24A, step S24B).

  After the input of the personal identification number and the amount is completed, the main control unit 111 causes the input display unit 102 to display a processing screen for guiding that the withdrawal process is being performed (FIG. 4 (k), step S25A) or processing. A guidance indicating that the withdrawal process is in progress is output through the speaker 106 together with the display of the middle screen (step S25B).

  After the withdrawal process is completed, the main control unit displays a cash receipt screen for guiding the receipt of cash on the input display unit 102 (FIG. 4 (l), step S26), or a medium such as a banknote along with the cash receipt screen display. Guidance that has been released is output through the speaker 106 (step S26B). The transaction ends when the user receives the released medium.

  Since the mobile terminal 301 may be placed on the input display unit 102 after the transaction ends, it is determined again whether or not the mobile terminal 301 is placed on the input display unit 102 after a predetermined time has elapsed ( Step S27A, Step S27B). When it is determined that the mobile terminal 301 is placed on the input display unit 102, the main control unit 111 displays a mobile terminal forget screen for guiding that the mobile terminal 301 is forgotten (FIG. 4 (m)). In step S28), a guidance indicating that the portable terminal 301 has been forgotten is output via the speaker 106 together with the display of the portable terminal forgotten screen. Thereafter, the processing after step S27A (or step S27B) is performed again until it is determined that the portable terminal 301 is not placed on the input display unit 102.

  As described above, according to the automatic transaction apparatus described in the first embodiment, the transmission / reception unit of the non-contact IC reader / writer is mounted between the input unit and the display unit constituting the input display unit, thereby providing an input display. It becomes possible to make a space around the section. Furthermore, it becomes easy for not only healthy people but also visually handicapped people to guide the mobile terminal to the mobile terminal installation area in transactions using mobile terminals equipped with IC chips.

  As described above, when a visually impaired person performs a transaction using the automatic transaction apparatus described in the first embodiment, it is assumed that a person (for example, a close relative) who is close to the visually impaired person is accompanied. However, in an actual transaction, a visually impaired person may conduct the transaction alone.

  Furthermore, when distinguishing between a healthy person and a visually impaired person by the method described in the first embodiment, the value of the threshold value a for determining that the portable terminal 301 is placed at the correct position and the person who placed the portable terminal 301 are visually impaired persons. Even if the value of the threshold value b that is determined to be is significantly different, there is a possibility that a healthy person is mistaken as a visually impaired person, or a visually impaired person is mistaken as a healthy person.

  Therefore, in this embodiment, the means for distinguishing between a normal person and a visually handicapped person depends on whether or not the handicapped person handling mechanism 105 is used. In this case, the possibility of the above-mentioned misidentification is further lower than that in the first embodiment.

  FIG. 5B, FIG. 8A, and FIG. 8B show an example of a withdrawal transaction as a transaction flow in this embodiment.

  First, the main control unit 111 displays a transaction selection screen (FIG. 4A) on the input display unit 102 (step S101). If the user is a healthy person, he / she can conduct a transaction while looking at the transaction selection screen. However, the visually handicapped person cannot see the transaction selection screen, so the disabled person handling mechanism 105 is used instead. Therefore, it is determined whether or not the user is a healthy person depending on whether or not the handicapped person handling mechanism 105 is used (step S102).

(1) When the user is a healthy person When it is determined in step S102 that the user is a healthy person, the main control unit 111 detects that the mobile terminal use transaction key 501e has been touched (step S104A). The deposit / withdrawal selection screen is displayed on the display unit 404 (FIG. 4B, step S105A). Next, after detecting that the withdrawal transaction key 501h is touched (step S106A), a screen for guiding the mobile terminal set is displayed on the input display unit 102 (FIG. 4C, step S107A). After detecting that the mobile terminal 301 is placed on the input display unit 102 (FIG. 4 (d), step S108), the main control unit 111 sets the center position 601 of the mobile terminal and the center position 602 of the mobile terminal installation area. The distance L is calculated (step S109). The calculation method of the distance L is the same as in the first embodiment.

  Thereafter, in order to determine whether or not the mobile terminal is placed at the correct position, the distance L is compared with the threshold value a (step S110A). The main control unit 111 compares the distance L with the threshold value a. If L is larger than a, the main control unit 111 displays a portable terminal guidance screen on the input display unit 102 (step S111, FIG. 4 (e)), and L is a. The processes after step S108A are repeated until the following is obtained. On the other hand, if L is a or less, it is determined that the mobile terminal 301 is placed in the correct position, and the processing from step S15A shown in the flow shown in FIG.

(2) When a user is a visually handicapped person When it is judged in step S102 that a user is a visually handicapped person, the main control part 111 outputs the guidance of transaction selection via the handicapped person response mechanism 105 ( Step 103). After detecting that the mobile terminal use transaction has been selected when the user who has heard the guidance presses the numeric keypad (step S104B), the deposit / withdrawal selection guidance is output via the disabled person handling mechanism 105 (step S105B). ). Next, after detecting that the user who heard the guidance has selected the withdrawal transaction (step 106B), the main control unit 111 outputs the guidance for setting the mobile terminal via the handicapped person handling mechanism 105. (Step S107B). After detecting that the mobile terminal 301 is placed on the input display unit 102 (step S108B), the main control unit 111 calculates a distance L between the center position 601 of the mobile terminal and the center position 602 of the mobile terminal installation area ( Step S109B). The calculation method of the distance L is the same as in the first embodiment.

  Thereafter, in order to determine whether or not the mobile terminal is placed at the correct position, the distance L is compared with the threshold value a (step S110B). The main control unit 111 compares the distance L with the threshold value a. If L is larger than a, the main control unit 111 obtains the direction of the center position 602 of the mobile terminal installation area with reference to the center position 601 of the mobile terminal (step S112). . Thereafter, the main control unit 111 outputs voice guidance for guiding the mobile terminal 301 to the correct position via the speaker 106 (step S113). The voice guidance includes the distance L and the moving direction as in the case of the first embodiment, and the volume of the voice guidance is variable according to the size of the distance L. A distance L between the center position 601 of the mobile terminal placed again and the center position 602 of the mobile terminal installation area is obtained (step S114), and the processing after step 110B is repeated until the distance L becomes equal to or less than the threshold value a.

  When the distance L is less than or equal to the threshold value a, the processing is almost the same as in FIG. 5B or FIG. 5C, but the main control unit 111 does not display the screen on the input display unit 102 and handles disabled people. It differs from the case of FIG.5 (b) or FIG.5 (c) in the point which outputs the voice guidance via the mechanism 105 (refer step S15C-step S28C).

  As described above, according to the automatic transaction apparatus described in the second embodiment, when the transmission / reception unit of the non-contact IC reader / writer is mounted between the input unit and the display unit, the visually handicapped person alone is an IC chip. It is easy to guide to a mobile terminal mobile terminal installation area even in a transaction using an on-board mobile terminal.

  In the case of the automatic transaction apparatus described in the first embodiment or the second embodiment, for example, on the transaction selection screen (FIG. 4A) and the deposit / withdrawal selection screen (FIG. 4B), transaction selection keys 501a to 501g are displayed. Therefore, the user touches the input display unit 102 with a finger. On the other hand, since the mobile terminal set guidance screen (FIG. 4C) displays that the mobile terminal is placed, the user places the mobile terminal 301 on the input display unit 102. In the above case, placing the mobile terminal 301 when the transaction selection screen (FIG. 4A) and the deposit / withdrawal selection screen (FIG. 4B) are displayed, the mobile terminal set guidance screen (FIG. 4C )) Is not considered to touch with your finger when displayed.

  However, if it is desired to cancel the transaction when the mobile terminal set guidance screen is displayed, a cancel key is arranged on the screen. It is necessary to recognize that the cancel key area is pressed only when touched with a finger. This is to continue the transaction when the user who does not wish to cancel the transaction mistakenly places the mobile terminal in the cancel key area.

  In the present embodiment, an example in which a cancel key is arranged on the mobile terminal set guidance screen will be described as an example of processing when there is an area in the input display unit 102 that recognizes only touch with a finger.

  FIG. 9A shows a cancel key 504 arranged on a screen for guiding the user to guide the mobile terminal 301. The cancel key 504 is an area surrounded by four points (x2, y2), (x3, y2), (x3, y3), and (x2, y3). In order to prevent recognition that the cancel key 504 is touched even if the portable terminal is placed in the above area, the determination is made based on the flow shown in FIG.

  The flow from step S1 to step S4 or step S101 to step S106A is the same as that in the first embodiment or the second embodiment. In the flow from step S101 to step S1086, a visually impaired person who is a user performs a transaction through the handicapped person handling mechanism 105 without using the input display unit 102. The displayed cancel key 504 is not touched to cancel the transaction.

  When a withdrawal transaction that is cashing using a mobile phone is selected by the user (Step S4, Step S106A), the main control unit 111 guides the user to set the mobile terminal (FIG. 9A). Is displayed on the input display unit 102 (step S201). When the mobile terminal 301 is placed on the input display unit 102 by the user, the main control unit 111 detects the position where the mobile terminal 310 is placed by the input display unit 102 (step S202).

  Thereafter, the maximum value (xmax) and minimum value (xmin) of the x-coordinate and the maximum value (ymax) and minimum value of the y-coordinate of the infrared light receiving unit that could not detect infrared rays by the same method as described in Example (Ymin) is obtained and an area surrounded by four points (xmin, ymin), (xmax, ymin), (xmax, ymax), (xmin, ymax), and four points (x2, y2), (x3, It is determined whether there is an overlapping area between the area surrounded by y2), (x3, y3), and (x2, y3) (step S203).

  When determining that there is no overlapping area, the main control unit 111 calculates the distance L between the center position 601 of the mobile terminal and the center position 602 of the mobile terminal installation area (step S7, step S109A). After the distance L is calculated, the processing after step S8 (or step S110A) is performed.

  In step S203, when the main control unit 111 determines that there are overlapping regions, the size of the area S of the region in which infrared rays could not be detected as to whether or not the input to the input display unit 102 was continued by a finger. (Step S204). Assume that a finger is placed on the input display unit 102 if S is less than a certain value, and a portable terminal is placed on the input display unit 102 if S is greater than a certain value. When it is determined that the portable terminal is placed on the input display unit 102, the processing after step S7 (or step S109A) is performed. On the other hand, if it is determined that a finger is placed on the input display unit 102, the main control unit 111 displays a screen (FIG. 9B) to cancel the transaction on the display unit 404 (step S205), and the transaction ends. It becomes.

  As described above, according to the automatic transaction apparatus described in the third embodiment, when there is an area on the display screen of the input display unit 102 that is desired to be recognized only by touching with a finger such as a cancel key, infrared light reception is performed. Only when it is determined that the area has been touched with a finger from the size of the area where infrared rays could not be detected by the part, functions that occur when the area is touched, such as transaction suspension, can be exhibited.

DESCRIPTION OF SYMBOLS 101 Automatic transaction apparatus 102 Input display part 103 Non-contact IC reader / writer 104 Biological authentication mechanism 105 Handicapped person response mechanism 106 Speaker 107 Card reading mechanism 108 Passbook printing mechanism 109 Banknote depositing / withdrawing mechanism 110 Coin depositing / withdrawing mechanism 111 Main control part 201 Non-contact IC reader / writer transmission / reception unit 202 reader / writer control unit 301 IC chip-mounted mobile terminal 302 terminal control unit 303 IC control unit 304 transmission / reception unit 305 IC chip 306 function control unit 401 panel 402 infrared light emitting unit 403 infrared light receiving unit 404 display unit 501a ˜501g Transaction selection key 501h Deposit transaction key 501i Deposit transaction key 501j Numeric key 501k Confirm key 501l Correction key 501m Denomination key 502 Mobile terminal picture 503 Mobile terminal installation area 601 Center position 6 of mobile terminal Center position of the two mobile terminal installation area

Claims (7)

Input display section for displaying information related to transactions and transaction screens;
A banknote deposit and withdrawal mechanism for depositing and dispensing banknotes;
A non-contact IC reader / writer that includes a transmission / reception unit and communicates with a portable terminal equipped with an IC chip via the transmission / reception unit;
An automatic transaction apparatus comprising a control unit for controlling each part, and operated by a user at a financial institution to perform a transaction,
The input display section
An input section with a transparent panel for entering information about transactions;
Displaying a transaction screen, a display unit arranged vertically below the input unit so as to overlap the input unit;
With
The automatic transaction apparatus, wherein the transmission / reception unit is mounted between the input unit and the display unit. An automatic transaction apparatus according to claim 1, wherein
The transceiver unit is
An antenna for transmitting and receiving with the IC chip;
A cover that covers the antenna and has a transmission structure;
An automatic transaction apparatus comprising: An automatic transaction apparatus according to claim 1 or claim 2, wherein
The panel of the input unit is substantially rectangular,
A plurality of infrared light emitting units and infrared light receiving units arranged at equal intervals and opposite to the outer periphery of the panel,
According to the position of the infrared light receiving unit that was not able to receive infrared light emitted from the infrared light emitting unit, a first region including a region on the panel including a region where a finger or a portable terminal and the panel are in contact with each other An automatic transaction apparatus characterized by specifying. An automatic transaction apparatus according to claim 3, wherein
A plurality of the infrared light emitting units and the infrared light receiving units are arranged at equal intervals along a first axis and a second axis perpendicular to the first axis,
The controller is
The first length is determined according to the number of the infrared light receiving parts that could not receive the infrared light emitted from the infrared light emitting part arranged along the first axis,
The second length is determined according to the number of the infrared light receiving parts that could not receive the infrared light emitted from the infrared light emitting part arranged along the second axis,
Multiplying the first length and the second length to determine the area of the first region,
An automatic transaction apparatus characterized by that. An automatic transaction apparatus according to claim 4, wherein
The controller is
When the area of the first region is equal to or greater than a certain value, the distance between the center position of the first region and the center position of the second region on the panel and in the vertical upward direction of the transceiver unit is obtained. ,
When the distance between the center position of the first area and the center position of the second area is less than the first threshold value, information recorded on the IC chip mounted on the portable terminal is read. Automatic transaction equipment. An automatic transaction apparatus according to claim 5, wherein
It has a speaker that outputs transaction information by voice,
The controller is
The area of the first region is not less than a certain value, and the distance between the center position of the first region and the center position of the second region is not less than a second threshold value that is greater than the first threshold value. In this case, the relative position of the center position of the second region with respect to the center position of the first region is obtained,
The distance between the center position of the first area and the center position of the second area and the relative position of the center position of the second area are output by voice through the speaker. Automatic transaction device. An automatic transaction apparatus according to claim 6, wherein
The automatic transaction apparatus, wherein the control unit increases the volume of the speaker as the mobile terminal and the center position of the second region are closer to each other.

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