JP2011113194A - Automated teller system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automated teller system for easily returning a medium even when the medium is left behind. <P>SOLUTION: An automated teller device is provided with: an operation part for receiving an instruction to exchange a medium from a user; an acceptance part for accepting a first medium to be exchanged; an output part for detecting that a second medium to be provided is left behind, and for outputting the second medium; a communication part for transmitting information on the medium left behind and state information showing the state of transaction to a center, or for receiving an instruction for a transaction when the medium is left behind, from the center; and a control part for determining whether the user has forgotten to pick up the second medium, and for returning the second medium to the output part according to the instruction received by the communication part, and for continuing the transaction. When receiving the information on the medium left behind and the state information from the automated teller device, the center starts processing for returning the second medium left behind, and determines whether to continue the transaction based on the state information, and transmits an instruction for the transaction including the result of determination. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an automatic transaction system provided with an automatic transaction apparatus for exchanging media such as money.

  Conventionally, in an automatic transaction apparatus such as a money changer for exchanging media such as money, when a user forgets to change the medium, the forgotten medium is collected and stored inside the automatic transaction apparatus. is there.

  For example, in Patent Document 1, when a user of an automatic teller machine forgets to take a medium, it is left in each unit by providing a medium recovery means inside each unit that deposits and withdraws banknotes and coins. The medium is automatically collected inside the automatic teller machine, and the collected medium is stored.

Japanese Patent Laid-Open No. 4-182891

  However, with the technique described in Patent Document 1, media that the user forgets to pick up can be automatically collected but cannot be returned. Therefore, in order to have the user return the media that they have forgotten to remove, for example, after contacting a financial institution or store, the user must go to the financial institution or store where the automatic transaction apparatus is installed again. It was. In addition, a staff member of the financial institution or store had to handle the customer service to return the medium to the user. Therefore, the automatic transaction apparatus must be stopped until the medium is collected, and there is a problem that the user cannot continue the transaction.

  In this way, there is another case where the medium is left in the automatic transaction apparatus. In addition, although the user tries to take out the medium, it takes time to perform the operation, and the shutter is released during the transaction. In some cases, the shutter is closed, or the shutter is closed in the middle of the transaction even though the user is performing the transaction correctly due to a failure of the automatic transaction apparatus. In this case, as in the case where the user forgets to remove the medium, the user must go to pick up the medium that he / she has forgotten, and the staff must handle the customer service to return the medium he / she has forgotten. Had a problem that the transaction could not be continued.

  The present invention has been made in view of the above, and it is an automatic transaction system that can easily return a forgotten medium by continuing the transaction even if the user forgets to remove the medium. The purpose is to provide.

  In order to achieve the above-described object, an automatic transaction system according to the present invention is an automatic transaction system including an automatic transaction apparatus for exchanging media, and the automatic transaction apparatus accepts an instruction to exchange the medium from a user. An operation unit, a receiving unit that receives a first medium to be exchanged, a forgetting to remove a second medium that is a medium after changing the first medium, and outputting the second medium To the center that manages the automatic transaction apparatus, or from the center, the output unit that performs, the forgetting information that the user has forgotten to take the second medium, and the state information that indicates the state of the transaction A communication unit that receives an instruction regarding the transaction when the user forgets to take the second medium, and whether or not the user forgets to take the second medium output by the output unit And a control unit that returns the second medium to the output unit and continues the transaction in accordance with the instruction related to the transaction received by the communication unit, and the center from the automatic transaction apparatus When the forgetting information and the state information are received, a process for returning the second medium forgotten by the user is started, and the transaction is continued based on the received state information. And a center control unit that transmits an instruction regarding the transaction including the determined result.

  According to the present invention, even if a user forgets to remove a medium, the medium forgotten can be easily returned by continuing the transaction.

It is a figure which shows the physical structure of the automatic transaction system concerning this embodiment. It is a block diagram which shows the functional structure of the control unit and monitoring center of a change machine. It is a flowchart which shows the process sequence in case a change machine usually performs various processes. It is a flowchart which shows the process sequence at the time of forgetting to take money in the transaction unsettled state. It is a flowchart which shows the process sequence of the process which a currency exchange machine performs after a user forgets to take a banknote. It is a flowchart which shows the process sequence at the time of forgetting to take money in the transaction completion state. It is a flowchart which shows the process sequence of the process which a currency exchange machine performs after a user forgets to take a banknote. It is a figure which shows the example of the transaction status screen which shows that the failure which an operation part displays occurred. It is a figure which shows the example of the receipt confirmation screen which an operation part displays. It is a figure which shows the example of the operation screen on which the button which can be received for every medium which an operation part displays is displayed. It is a figure which shows the example of the instruction | indication screen which showed that the statement slip which an operation part displays was held over an imaging part. It is a timing chart of the processing performed between the money changer and the monitoring center when the user forgets to take the exchanged medium.

  Embodiments of an automatic transaction system according to the present invention will be described below in detail with reference to the accompanying drawings. Below, although the automatic transaction system which applied the automatic transaction apparatus to the change machine is demonstrated to the example, it is not restricted to this. For example, predetermined ones with users, such as those that handle money such as automated-teller machines (ATM), those that handle coins used in gaming machines, or those that issue certificates at public institutions The present invention can be applied to various transaction apparatuses that perform transactions.

  FIG. 1 is a diagram showing a physical configuration of an automatic transaction system 1 according to the present embodiment. As shown in FIG. 1, the automatic transaction system 1 includes a money changer 1000, a monitoring center 800, and a network N. The network N is a general communication line network such as a WAN (Wide Area Network). First, the money changer 1000 will be described.

  The money changer 1000 is installed in a financial institution or the like, and performs a transaction (exchange) such as replacing a denomination of money with another denomination by user operation. The money handled by the money changer 1000 is referred to as a deposit medium, a withdrawal medium, or simply a medium. Moreover, although the following demonstrates on the assumption that a user exchanges a banknote or a coin into a wrapping coin, of course, it is applicable also when the currency is simply changed into a coin.

  As shown in FIG. 1, the money changer 1000 includes an operation screen 100, a card / detail slip entrance / exit 110, a bill insertion slot 120, a wrapping coin entry / exit 130, a coin insertion slot 140, and a fee insertion slot 150. The change receiving port 160, the handphone 170, the imaging unit 180, the control unit 200, the statement slip collection unit 500, the packaged coin collection unit 600, and the bill collection unit 700 are configured. As will be described later, the operation of each of these units is controlled by a control unit 200 provided inside the money changer 1000. In addition, although description is abbreviate | omitted below, the unit etc. which discriminate | determine a coin and a banknote are provided in the inside of the money-changing machine 1000, and when a transaction is received from a user, a coin and a banknote are discriminated. Suppose you are.

  The operation unit 100 is composed of, for example, an LCD (Liquid Crystal Display), and in response to an instruction from the control unit 200 described later, various operation instructions (guidance) related to transactions and various instructions (selections for performing transactions related to exchange) ), The transaction status screen showing the status of the transaction, the denomination and number of money to be exchanged, the deposit screen for instructing the deposit of fees, the withdrawal screen showing that the exchange has been completed, etc. Display the screen.

  In the following description, the operation unit 100 is described as a so-called touch panel screen that receives a touch operation from a user and performs a process according to the received operation. Any device that accepts an instruction from the user may be used. Further, by providing an audio device such as a speaker, various guidance may be given to the user by voice.

  The card / detail slip entry / exit 110 accepts insertion of a cash card used when a user makes a transaction with the money changer 1000 in accordance with an instruction from the control unit 200 described later. In addition, the card / detail slip entry / exit 110 indicates that the transaction performed between the inserted cash card and the user with the money changer 1000 in accordance with an instruction from the control unit 200 when the transaction ends. The printed statement is ejected. The card / detail slip entrance / exit 110 is provided with an infrared sensor or the like so that it can be detected whether or not a received card or a discharged card remains.

  In response to an instruction from the control unit 200 to be described later, the coin insertion slot 120 accepts the insertion of the coin from the user when the medium to be exchanged is a coin. Specifically, the shutter is opened and closed in accordance with an instruction from the control unit 200. In addition, the coin insertion slot 120 is provided with an infrared sensor or the like in the same manner as the card / detail slip insertion / exit 110, and can detect whether or not the inserted coins remain.

  The wrapping coin outlet 130 dispenses wrapping coins as a dispensing medium after the user has exchanged money according to an instruction from the control unit 200 described later. Specifically, the shutter of the wrapping coin outlet 130 is opened or closed in accordance with an instruction from the control unit 200. The wrapping coin outlet 130 is provided with an infrared sensor or the like in the same manner as the card / detail slip entrance / exit 110, and the wrapping coins are withdrawn to the wrapping coin outlet 130, and the wrapping coins are withdrawn. It shall be possible to detect whether or not it remains.

  When the medium to be exchanged is a banknote, the banknote entry / exit 140 accepts insertion of the banknote or accepts a banknote paid as a fee from the user in response to an instruction from the control unit 200 described later. Moreover, the banknote entrance / exit 140 withdraws the change with respect to the banknote paid as a commission from the user. Specifically, the shutter of the banknote entrance / exit 120 is opened or closed in accordance with an instruction from the control unit 200. Note that the banknote entry / exit 140 is provided with an infrared sensor or the like, similar to the card / detail slip entry / exit 110, and can detect whether or not the inserted banknote remains.

  The fee insertion port 150 accepts an input of a fee when the user uses the money changer 1000 in accordance with an instruction from the control unit 200 described later.

  The change receiving port 160 withdraws change for the fee inserted from the fee insertion port 150 in accordance with an instruction from the control unit 200 described later.

  The handphone 170 is, for example, a telephone for a user to make a call with the monitoring center 800. The handphone 170 is connected to the monitoring center 800 via the communication network N in response to an instruction from the communication unit 203 of the control unit 200 described later.

  The imaging unit 180 is, for example, a CCD (Charge Coupled Device) camera, and images a user located in front of the money changer 1000.

  The control unit 200 includes a processor such as a CPU (Central Processing Unit), and includes a memory (not shown) therein. The control unit 200 operates each unit described above or controls the operation of each unit provided in the control unit 200 and performs various calculations necessary for exchange.

  FIG. 2 is a block diagram illustrating a functional configuration of the control unit 200 and the monitoring center 800 of the money changer 1000. As shown in FIG. 2, the control unit 200 includes a transaction withdrawal processing unit 201, a transaction deposit processing unit 202, a communication unit 203, and a main control unit 204.

  The transaction withdrawal processing unit 201 calculates the amount of wrapping coins to be withdrawn from the storage according to the deposit transaction amount received by the operation unit 100. Further, the transaction withdrawal processing unit 201 instructs the packaging coin outlet 130 to withdraw the calculated amount of packaging coins from a storage (not shown).

  Further, the transaction withdrawal processing unit 201 determines whether or not there is any wrapping coin in which the wrapping coin outlet 130 remains, that is, whether or not all exchange money has been received. When it is determined that all exchange money has been received, it is determined whether or not there is change for the fee. If it is determined that there is change for the fee, the amount is calculated, and the calculated amount for the change receiving port 160 is calculated. Instructs to withdraw changes.

  Further, when the transaction withdrawal processing unit 201 determines that all exchange money has not been received, the transaction withdrawal processing unit 201 determines whether it is timed out by a timer (not shown). Instruct 600 to collect the money.

  The transaction deposit processing unit 202 counts the coins received by the coin slot 120 or the bills received by the bill slot 140 when the operation unit 100 receives a deposit instruction for money to be exchanged from the user, Calculate the amount.

  Further, when the operation unit 100 receives a fee deposit instruction from the user, the transaction deposit processing unit 202 counts the coins received by the fee slot 150 and calculates the amount. Further, the transaction deposit processing unit 202 determines whether or not the calculated amount matches the amount received by the operation unit 100.

  The communication unit 203 includes, for example, a NIC (Network Interface Card) and mediates communication with the monitoring center 800. Specifically, the communication unit 203 instructs the operation unit 100 to display from the monitoring center 800 an instruction to cancel the transaction that is being executed, stop the transaction that is being executed, and that the money changer 1000 has failed. A state display instruction or a failure state cancellation instruction for canceling the failure of the money changer 1000 and continuing the transaction is received.

  Further, the communication unit 203 receives from the monitoring center 800 a notification that the identity of the user of the money changer 1000 has been confirmed (confirmation notification) or a notification that the identity has been confirmed (unconfirmed notification).

  Further, when the withdrawal processing unit 201 determines that the exchange money has not been received, the communication unit 203 transmits to the monitoring center forgotten failure information indicating that the exchange money has been forgotten.

  The main control unit 204 controls the operation of each unit of the control unit 200 and monitors the state of transactions. Next, returning to FIG. 1, the statement slip collection unit 500 will be described.

  In accordance with an instruction from the control unit 200, the statement slip collection unit 500 ejects the card / detail slip entry / exit 110 and collects the remaining statement slips in a box (not shown).

  In accordance with an instruction from the control unit 200, the packaging coin collecting unit 600 dispenses the packaging coin outlet 130 and collects the remaining packaging coins in a box (not shown).

  In accordance with an instruction from the control unit 200, the banknote collection unit 700 withdraws the banknote entry / exit 140 and collects the remaining banknotes in a box (not shown). Next, the monitoring center 800 will be described.

  As shown in FIG. 2, the monitoring center 800 includes a communication unit 801, a center control unit 802, and an input receiving unit 803.

  The communication unit 801 is composed of, for example, a NIC (Network Interface Card) and mediates communication with the money changer 1000. The communication unit 801 receives forgotten failure information from the money changer 1000. When this forgotten failure information is received, a notifying device (for example, a speaker) (not shown) notifies the attendant of the monitoring center 800 that the forgotten failure has occurred in the money changer 1000.

  The center control unit 802 is constituted by a processor such as a CPU (Central Processing Unit), for example, and an input indicating that a later-described input receiving unit 803 executes a failure state display instruction or a failure state release instruction from a staff member of the monitoring center. These instructions are transmitted via the communication unit 801.

  Further, the center control unit 802 confirms the identity of the user when the input accepting unit 803 accepts an instruction to confirm the identity of the user of the money changer 1000, and receives the confirmation notification or the unconfirmed notification described above. It transmits via the communication part 801. The identity verification of the user is performed by using personal information such as a personal identification number, address or name, and personal information stored in a storage device (not shown) such as a disk in advance, and a staff member via the handy phone 170. This is done by determining whether the personal information received from the user matches the input personal information.

  The input reception unit 803 is, for example, a keyboard or a mouse, and receives an input of a transaction cancellation instruction, a failure state display instruction, or a failure state cancellation instruction from a staff member of the monitoring center 800.

  The input receiving unit 803 receives an instruction to confirm the identity of the user of the money changer 1000 from a staff member of the monitoring center 800. These instructions are given, for example, by a staff member of the monitoring center 800 when the user notifies the monitoring center 800 that the banknote has been forgotten, via the handy phone 170 of the money changer 1000.

  Next, processing that is normally performed in the above-described money changer 1000 will be described. FIG. 3 is a flowchart illustrating a processing procedure when the money changer 1000 performs various processes described above. In the following, it is assumed that a menu screen for performing a currency exchange transaction is displayed on the operation unit 100. On the transaction menu screen, for example, buttons for selecting exchange, deposit, withdrawal, transfer, loan and the like are displayed.

  As shown in FIG. 3, when the operation unit 100 accepts a transaction selection from the user (step S301), the operation unit 100 accepts a selection of the denomination and number of money to be exchanged from the user (step S301). S302).

  Thereafter, the banknote entrance / exit 140 or the coin entrance / exit 120 opens the shutter according to an instruction from the control unit 200 and accepts the insertion of money to be exchanged (step S303), and further, according to the instruction from the control unit 200, a fee The input port 150 accepts input of a fee (step S304).

  Thereafter, the transaction deposit processing unit 202 counts the inserted money and calculates the amount of money, and according to an instruction from the control unit 200, the card / detail slip entry / exit 110 outputs a detail slip on which transaction details are printed. (Step S305).

  The packaging coin outlet 130 then withdraws the wrapping coin of the amount calculated by the transaction deposit processing unit 202 in accordance with an instruction from the transaction withdrawal processing unit 201 (step S306), and the packaging coin outlet 130 remains. The transaction withdrawal processing unit 201 determines whether or not there is any exchange money remaining in the packaging coin outlet 130 (that is, whether or not all exchange money has been received). (Step S308).

  When transaction withdrawal processing unit 201 determines that all exchange money has not been received (step S308; No), it determines whether or not a timeout has occurred (step S309) and determines that the timeout has not occurred. In the case (step S309; No), it returns to step S308 and waits as it is.

  On the other hand, when the transaction withdrawal processing unit 201 determines that the time-out has occurred (step S309; Yes), the transaction withdrawal processing unit 201 causes the packaging coin collection unit 600 to collect the remaining packaging coins ( Step S310), the process is terminated.

  On the other hand, when the transaction withdrawal processing unit 201 determines in step S308 that all exchange money has been received (step S308; Yes), it further determines whether or not there is a change for the fee (step S311).

  If the transaction withdrawal processing unit 201 determines that there is a change for the fee (step S311; Yes), the change receiving port 160 makes a change (step S312), and the process is terminated.

  On the other hand, when the transaction withdrawal processing unit 201 determines that there is no change for the fee (step S311; No), the processing is ended as it is. As described above, when any one of the processes in steps S310 to S312 is completed, all the processes illustrated in FIG. 3 are completed. In the above-described flowchart, after the statement slip is output, the exchange money is withdrawn and the change of the fee is withdrawn. However, the order of these processes can be changed as appropriate.

  In the process from step S301 to S305 described above, since the money after the exchange is not dispensed, the state from step S301 to S305 is referred to as a transaction unsuccessful state. Moreover, in the process from step S306 to S312 described above, since the money after the exchange has already been withdrawn, the state from step S306 to S312 is referred to as a transaction establishment state. In the following, the processing performed by the money changer 1000 is different between when a medium is forgotten when the transaction is not established and when the medium is forgotten when the transaction is established. The case where the money changer 1000 performs processing in two states is described.

  First, when the process is performed by the money changer 1000, a process when the user forgets to take the money of the denomination to be exchanged when the transaction is not established will be specifically described.

  FIG. 4 is a flowchart showing a processing procedure when money is forgotten in a transaction unsettled state. In the following, it is assumed that a menu screen for performing a currency exchange transaction is displayed on the operation unit 100 as in the case illustrated in FIG. 3, and the user has started the exchange of banknotes.

  As shown in FIG. 4, the bill entry / exit 140 accepts a bill to be exchanged from the user (step S401), and then the operation unit 100 accepts selection of the denomination and number to exchange (step S402), and thereafter. A confirmation operation is accepted (step S403).

  When the confirmation operation is accepted, the transaction deposit processing unit 202 counts the deposited banknotes (step S404), and whether or not the deposited banknotes matches the denomination and number accepted in step S403 (ie, Then, it is determined whether or not the money to be exchanged matches the exchange money (step S405).

  If the transaction deposit processing unit 202 determines that the amount to be exchanged matches the exchange money (step S405; Yes), the transaction is continued (step S406), and the process proceeds to step S304 shown in FIG. .

  On the other hand, when the transaction deposit processing unit 202 determines that the amount to be exchanged and the exchange deposit do not match (step S405; No), the transaction withdrawal processing unit 201 opens the shutter of the banknote deposit / exit 140 and deposits. Withdrawn (refunded) the bills made (step S407).

  Thereafter, the transaction withdrawal processing unit 201 determines whether or not banknotes remain in the banknote entrance / exit 140 (that is, whether or not all banknotes have been refunded) (step S408) and can refund all banknotes. When it determines with having carried out (step S408; Yes), subsequent transaction is continued (step S409), it returns to step S401, and the subsequent processing is performed.

  On the other hand, if the transaction withdrawal processing unit 201 determines that all banknotes have not been refunded (step S408; No), it determines whether or not a timeout has occurred (step S410), and if no timeout has occurred. When it determines (step S410; No), it waits as it is.

  On the other hand, when it determines with the transaction withdrawal processing part 201 having timed out (step S410; Yes), the shutter of the banknote entrance / exit 140 is closed (step S411). At the stage where step S411 is completed, the user has forgotten to remove the inserted banknote for some reason.

  In this state, the operation unit 100 displays, for example, a transaction status screen indicating that a failure has occurred as shown in FIG. 8, and the user talks with a staff member of the monitoring center 200 via the handy phone 170, Alternatively, the forgetting information indicating that the medium has been forgotten is transmitted to the monitoring center 800, and then, according to the instructions (transaction cancellation instruction, fault status display instruction, fault status release instruction) received by the money changer 1000 from the monitoring center 800. continue processing. Then, the process after a user forgets to take a banknote is demonstrated.

  FIG. 5 is a flowchart showing a processing procedure of processing performed by the money changer 1000 after the user forgets to remove the banknote.

  As shown in FIG. 5, when step S411 in FIG. 4 is completed, the transaction withdrawal processing unit 201 determines whether or not a banknote is forgotten (step S501), and a banknote is forgotten. If it is determined that it has not (step S501; No), the failure state is canceled and the subsequent transaction is continued (step S502), and the process proceeds to step S304 shown in FIG.

  On the other hand, when the transaction withdrawal processing unit 201 determines that the banknote has been forgotten (step S501; Yes), whether or not the user's identity has been confirmed (the communication unit 203 sends a confirmation notification). It is determined whether or not it has been received (step S503).

  If transaction withdrawal processing unit 201 determines that the identity of the user has not been confirmed (step S503; No), operation unit 100 performs transaction according to the failure state display instruction transmitted from monitoring center 800. A screen showing a failure state is displayed as a transaction state screen showing the state (step S504), and the process is terminated.

  On the other hand, when the transaction withdrawal processing unit 201 determines that the identity of the user has been confirmed (step S503; Yes), the shutter of the banknote entrance / exit 140 is opened (step S505), and the banknote forgotten is returned (step S505). Step S506). Thereafter, the transaction withdrawal processing unit 201 cancels the processing of the exchange transaction performed so far in accordance with the cancellation instruction transmitted from the monitoring center 800 (step S506), returns to step S401 shown in FIG. 4, and performs the subsequent processing. Do.

  Next, when the process is performed by the money changer 1000, a process when the user forgets to take the money of the denomination to be exchanged when the transaction is established will be described in detail.

  FIG. 6 is a flowchart showing a processing procedure when money is forgotten in the transaction establishment state. In the following, it is assumed that the menu screen for performing the exchange transaction is displayed on the operation unit 100 as in the case shown in FIG. 3 and FIG.

  As shown in FIG. 6, the bill entry / exit 140 accepts a bill to be exchanged from the user (step S601), and then the operation unit 100 accepts selection of the denomination and number to exchange (step S602), and then A confirmation operation is accepted (step S603).

  When the confirmation operation is accepted, the transaction deposit processing unit 202 counts the deposited banknotes (step S604).

  Thereafter, as in the case shown in FIG. 4, the transaction deposit processing unit 202 determines whether or not the amount to be exchanged matches the exchange money. Will be explained.

  Then, the transaction deposit processing unit 202 causes the commission input port 150 to accept the deposit of the fee (step S605), and the transaction withdrawal processing unit 201 displays a statement slip on which the transaction details are printed on the card / detail slip entry / exit 110. It is discharged (step S606).

  Thereafter, the transaction withdrawal processing unit 201 opens the shutter of the banknote entry / exit 140, and withdraws (refunds) the deposited banknote (step S607).

  Then, the transaction withdrawal processing unit 201 determines whether or not banknotes remain in the banknote entrance / exit 140 (that is, whether or not all banknotes have been refunded) (step S608), and all banknotes can be refunded. When it determines with having carried out (step S608; Yes), subsequent transaction is continued (step S609), and it progresses to step S311 shown in FIG.

  On the other hand, if the transaction withdrawal processing unit 201 determines that all banknotes have not been refunded (step S608; No), the transaction withdrawal processing unit 201 determines whether or not a timeout has occurred (step S610). When it determines (step S610; No), it waits as it is.

  On the other hand, when it determines with the transaction withdrawal processing part 201 having timed out (step S610; Yes), the shutter of the banknote entrance / exit 140 is closed (step S611). At the stage where step S611 is completed, as in the case shown in FIG. 4, the user has forgotten to remove the inserted banknote for some reason. Then, the process after forgetting to take a banknote is demonstrated.

  FIG. 7 is a flowchart illustrating a processing procedure of processing performed by the money changer 1000 after the user forgets to remove the banknote.

  As shown in FIG. 7, when step S611 in FIG. 6 is completed, the transaction withdrawal processing unit 201 determines whether or not a banknote is forgotten (step S701), and the banknote is forgotten. If it is determined that it is not present (step S701; No), the process proceeds to step S311 shown in FIG.

  On the other hand, when the transaction withdrawal processing unit 201 determines that the banknote has been forgotten (step S701; Yes), whether or not the user's identity is confirmed (for example, the communication unit 203 notifies the identity confirmation). (Step S702).

  If transaction withdrawal processing unit 201 determines that the identity of the user has not been confirmed (step S702; No), operation unit 100 performs transaction according to the failure state display instruction transmitted from monitoring center 800. A screen showing a failure state is displayed as a transaction state screen showing the state (step S703), and the process is terminated.

  On the other hand, when the transaction withdrawal processing unit 201 determines that the identity of the user is confirmed (step S702; Yes), the shutter of the banknote entrance / exit 140 is opened (step S704), and the exchanged denomination banknote ( The banknote forgotten to be taken out is withdrawn (step S705). And the process of step S701-S705 is repeated until the banknote of the denomination exchanged is withdrawn without forgetting it by the user.

  Although not particularly shown in the above-described flowchart, for example, when the identity of the user is obtained in step S702 shown in FIG. 7, the operation unit 100 displays the receipt confirmation screen shown in FIG. It is good as well. Further, when there are a plurality of media that the user forgets to take (for example, in addition to the withdrawal medium, a statement slip or change), the operation unit 100 can receive each medium as shown in FIG. The operation screen on which the button (B) is displayed is displayed and the user presses the button (B) to confirm the media that the user forgot to pick up and the media that the user should receive thereafter. It is also possible to make it.

  For example, if the user receives a part of the wrapping coins from the plurality of wrapping coins after the exchange, but the shutter is closed due to some reason, the remaining one is received by an instruction from the monitoring center 800. After dispensing the wrapping coins, the user may accept a press of a button (detailed slip button) from the user so that the detailed slip to be received by the user is discharged.

  In this case, as an instruction from the monitoring center 800, in addition to the case where a staff member gives a user to the user via the handphone 170, for example, the center control unit 802 of the monitoring center 800 executes the processing state of the money changer 1000. Is obtained via the communication unit 801, and according to the obtained information indicating the execution state, the medium that has not yet been withdrawn or ejected is determined, and the determination result is sent to the money changer 1000 together with the failure state cancellation instruction. Then, the money changer 1000 may sequentially withdraw or discharge with reference to the determination result.

  At that time, when a button for the medium to be withdrawn or ejected displayed on the operation unit 100 is displayed and blinked or the like, and a medium that the user has forgotten and a medium that the user should receive afterwards is received. By pressing the button, it is possible to confirm receipt of the medium. At this time, when the user presses the above-described button, the operation unit 100 deletes the display of the pressed button, so that when there are a plurality of media to be received, the remaining media to be received are used. It is good also as making a person confirm and preventing omission.

  It should be noted that the order in which the media that the user forgets to remove and the media that should be received by the user after that is dispensed or discharged may be performed collectively. Furthermore, when the center control unit 802 withdraws or discharges the medium that has already been withdrawn and there are a plurality of media that have not yet been withdrawn, the center control unit 802 separates the medium that has already been withdrawn, It is also possible to collect or discharge all at once.

  Further, in the above-described flowchart, personal identification is performed using personal information. For example, an instruction screen indicating that the operation unit 100 holds a statement slip as shown in FIG. 11 over the imaging unit 180 is displayed. Then, the imaging unit 180 transmits the image obtained by capturing the statement slip to the monitoring center 800 via the communication unit 203, and the monitoring center 800 confirms the received image or stores it in advance on a disk or the like (not shown). It is also possible to perform identity verification by determining whether or not the images match.

  FIG. 12 is a timing chart of processing performed between the money changer 1000 and the monitoring center 800 when a user forgets to take a medium that has been changed.

  As shown in FIG. 12, when the transaction withdrawal processing unit 201 of the money changer 1000 determines that the medium has been forgotten (step S1201), the communication unit 203 transmits the forgotten failure information to the monitoring center 800, and the monitoring center The communication unit 801 800 receives the information (step S1202). Thereafter, a notifying device (not shown) (for example, a speaker) informs the attendant of the monitoring center 800 that the failure to leave the money changer 1000 has occurred.

  Then, the money changer 1000 stops handling the temporary exchange transaction (step S1202), and the user talks to the staff of the monitoring center 800 using the attached handphone 170 (step S1205). The staff of the monitoring center 800 is the user. Is accepted (step S1206).

  Thereafter, the person in charge of the monitoring center 800 confirms the identity of the user, and if the identity is confirmed (step S1208; Yes), further confirms whether or not the transaction has been completed (step S1209). Is not completed (step S1209; Yes), the input reception unit 803 receives a cancellation instruction (step S1210), and the center control unit 802 transmits the cancellation instruction to the money changer 1000 via the communication unit 801 ( Step S1211).

  On the other hand, when the transaction is completed (step S1209; No), the input receiving unit 803 receives a failure state release instruction (step S1212), and the center control unit 802 issues a failure state release instruction via the communication unit 801. It transmits to the money changer 1000 (step S1213).

  Also, in step S1209, when the user identity cannot be confirmed (step S1209; No), the input receiving unit 803 receives a failure state display instruction (step S1214), and the center control unit 802 receives a failure via the communication unit 801. A state display instruction is transmitted to the money changer 1000 (step S1215).

  If a cancel instruction is received in step S1211, or if a failure state release instruction is received in step S1213, the money changer 1000 continues the subsequent processing (step S1216).

  In the example shown in FIG. 12, the user is talking to the staff of the monitoring center 800 using the handy phone 170, but the money changer 1000 detects that the user has forgotten to take it without the user talking. In such a case, forgetting to remove information about the medium may be automatically transmitted, and the center control unit 802 of the monitoring center 800 may confirm the identity according to the received information.

  In the example of the timing chart shown in FIG. 12, conventionally, in step S <b> 1206, it was necessary for the monitoring center to talk to the user using the handphone 170, and then arrange an attendant to go to the site ( In the present embodiment, such a procedure is not necessary.

  As described above, in the automatic transaction system 1 including the money changer 1000 that changes the medium, the money changer 1000 accepts an instruction for changing the medium from the user by the operation unit 100, and receives a receiving part (a coin insertion slot 120, a bill). The entry / exit 140) receives the medium to be exchanged, and the output unit (the card / detail slip entry / exit 110, the wrapping coin take-out / outlet 130) detects the forgetting to remove the medium after changing the medium, and the medium , And the communication unit 203 transmits to the monitoring center 800 that manages the money changer 1000 the forgetting information that the user has forgotten to remove the medium and the status information indicating the state of the transaction, or the monitoring center 800 When the user forgets to remove the medium, the control unit (transaction withdrawal processing unit 201) receives the instruction regarding the transaction, and the user takes the medium output by the output unit. It is determined whether or not it has been forgotten, the medium is returned to the output unit in accordance with the transaction instruction received by the communication unit 203, the transaction is continued, and the monitoring center 800 has the center control unit 802 forgotten to remove it from the money changer 1000. When information and status information are received, processing for returning the medium that the user has forgotten to start is started, and it is determined whether or not to continue the transaction based on the received status information. Since the instruction about the transaction including the transaction is transmitted, even if the user forgets to remove the medium, the transaction can be continued and the forgotten medium can be easily returned.

  For example, the user forgets to go to the bank where the money changer 1000 is handled to pick up the forgotten media or contact the contact and go to the branch where the money changer 1000 is installed again. Media can be received. Therefore, it is possible to operate the money changer 1000 without stopping for a long time due to the user forgetting to remove the medium.

  Even if the user forgets to remove the medium, after confirming the identity, the user returns the medium forgotten or returns to the state of the transaction before the user forgets to remove the medium. For example, the user can receive the medium forgotten while continuing the transaction in progress. Furthermore, since it is not necessary for the staff to go to the money changer 1000, the cost at that time can be reduced.

  It should be noted that the present invention is not limited to the above-described embodiment as it is, and can be embodied by modifying the constituent elements without departing from the scope of the invention in the implementation stage. In addition, various inventions can be formed by appropriately combining a plurality of constituent elements disclosed in the above embodiments. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, constituent elements over different embodiments may be appropriately combined.

1: automatic transaction system 1, 1000: money changer, 800: monitoring center, N: network, 100: operation screen, 110: card / detail slip entry / exit, 120: bill input / outlet, 130: packing coin take-out, 140: Coin slot, 150: Commission slot, 160: Change counter, 170: Handphone, 180: Imaging unit, 200: Control unit, 201: Transaction withdrawal processing unit, 202: Transaction deposit processing unit, 203: Communication unit 204: main control unit, 500: statement slip collection unit, 600: wrapping coin collection unit, 700: bill collection unit, 801: communication unit, 802: center control unit, 803: input reception unit.

Claims (10)

In an automatic transaction system equipped with an automatic transaction apparatus for exchanging media,
The automatic transaction apparatus is
An operation unit for receiving an instruction to change the medium from a user;
A receiving unit for receiving the first medium to be exchanged;
An output unit for detecting forgetting to remove the second medium, which is a medium after changing the first medium, and outputting the second medium;
Sending the forgotten information that the user has forgotten to take the second medium and the status information indicating the status of the transaction to the center that manages the automatic transaction apparatus, or the user from the center A communication unit for receiving an instruction regarding the transaction in the case of forgetting to take the second medium;
It is determined whether or not the user has forgotten to take the second medium output by the output unit, and the second medium is returned to the output unit in accordance with the instruction regarding the transaction received by the communication unit. A control unit for continuing the transaction,
The center is
When the forgetting information and the status information are received from the automatic transaction apparatus, the process for returning the second medium that the user forgets to take is started, and based on the received status information. A center control unit that determines whether or not to continue the transaction and transmits an instruction related to the transaction including the determined result;
An automatic transaction system characterized by comprising: The automatic transaction apparatus is
The output unit includes a shutter for outputting the second medium;
When the communication unit determines that the control unit has forgotten to remove the second medium and the predetermined time has elapsed since the shutter was closed, the state information and the forgotten information are stored in the center. Send
The center is
The center control unit determines whether or not to continue the transaction according to the status information received from the automatic transaction apparatus, and at least as an instruction related to the transaction, a failure release instruction or a transaction indicating that the transaction is continued Send one of the cancellation instructions to cancel
The automatic transaction system according to claim 1. The automatic transaction apparatus is
It further comprises an imaging unit for imaging the user,
The communication unit transmits an image of the user captured by the imaging unit to the center;
The center is
The center control unit confirms the identity of the user based on the image of the user received from the automatic transaction apparatus, and transmits the result of the identity confirmation of the user.
The control unit of the automatic transaction apparatus, when the result of the identity confirmation received from the center is a result of confirmation that the identity of the user has been obtained, the second medium to the output unit. To return and continue the transaction,
The automatic transaction system according to claim 1 or 2, wherein The center is
In accordance with the status information received from the automatic transaction apparatus, the center control unit determines whether there is a medium that has not been output yet, and when there is the second medium that has not yet been output, Sending an instruction relating to the transaction including outputting the second medium;
The automatic transaction apparatus is
The control unit sequentially returns the second medium to the output unit according to the instruction related to the transaction received from the center, and continues the transaction.
The automatic transaction system according to any one of claims 1 to 3. The center is
When the center control unit determines whether there is the second medium that has not been output yet, according to the state information received from the automatic transaction apparatus, and there is the second medium that has not yet been output To send an instruction regarding the transaction including outputting the second medium in a batch,
The automatic transaction apparatus is
The control unit collectively returns the second medium to the output unit according to the instruction related to the transaction received from the center, and continues the transaction.
The automatic transaction system according to any one of claims 1 to 3. The center is
The center control unit determines whether or not there is a medium that has not yet been output according to the status information received from the automatic transaction apparatus. If there is the second medium that has not yet been output, the center control unit has already output The instruction relating to the transaction including the fact that the second medium is output in a batch, separately from the second medium,
The automatic transaction apparatus is
In accordance with the instruction about the transaction received from the center, the control unit returns only the second medium that has not yet been output to the withdrawal unit, and continues the transaction.
The automatic transaction system according to any one of claims 1 to 3. The automatic transaction apparatus is
When the control unit determines that the second medium has been forgotten in a state in which no transaction has been established with the user, the control unit communicates with the user according to the instruction regarding the transaction transmitted from the center. After canceling the transaction that is being executed in the middle, a new transaction is executed from the beginning.
The automatic transaction system according to claim 1, wherein: The automatic transaction apparatus is
The operation unit displays a screen for confirming that the user has received the second medium determined to have been forgotten;
The automatic transaction system according to any one of claims 1 to 7. The automatic transaction apparatus is
When the imaging unit outputs a statement slip indicating the content of the transaction as the second medium, the imaging unit images the output statement slip,
The communication unit transmits an image of the statement slip captured by the imaging unit to the center;
The center is
The center control unit performs identity verification of the user based on the image of the statement slip received from the automatic transaction apparatus.
The automatic transaction system according to any one of claims 3 to 8, characterized in that: The automatic transaction apparatus is
The operation unit displays only the second medium that has not been returned as a screen for confirming that the user has received the second medium that the user has determined to have forgotten.
The automatic transaction system according to claim 8 or 9, wherein

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