JP2012118758A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device capable of smoothly proceeding with transaction operations even in a transaction with a customer having luggage, without the need of attention to the luggage.SOLUTION: The automatic transaction device which performs transaction based on operations by a customer includes: an operation part for operation and guide display necessary for the transaction; and a control part comprising a luggage keeper with a luggage lock function for safekeeping of luggage brought to the transaction, which locks the luggage on the transaction start, unlocks the luggage on the transaction end, and displays the lock or unlock of the luggage on the operation part.

Description

  The present invention relates to an automatic transaction device, and in particular, a baggage in an automatic cash transaction device that is installed in a store such as a public institution, a financial institution, a convenience store, etc., and performs transaction processing such as cash deposits and withdrawals based on customer operations. Concerning theft prevention.

  When using an automatic transaction apparatus, there is no means for storing the baggage brought, and it is placed around the operation unit or on the floor around the apparatus. In such a case, the safety of the baggage is low, and it is stolen or the baggage is misplaced.

  With regard to misplaced baggage, Patent Document 1 discloses a technique for detecting a baggage misplacement message by detecting the baggage with a baggage storage device with an object detection mechanism after the transaction is completed.

Japanese Patent Laid-Open No. 1-147691

  When a customer with baggage makes a transaction with an automatic transaction apparatus, if the baggage is placed around the operation unit and operated, the baggage may interfere with the transaction operation or be erroneously operated.

  Also, if the baggage is placed on the floor around the device, the baggage may not be noticed during the transaction operation, or it may be stolen or the baggage may be forgotten.

  There are cases where the automatic transaction apparatus is provided with a baggage storage tool as in Document 1 and there is a case where a baggage storage table is provided around the apparatus, but none of them reduce or prevent baggage theft.

  An object of the present invention is to provide an automatic transaction apparatus that can smoothly perform a transaction operation without worrying about baggage even when there is baggage.

  In order to achieve the above-described object, the present invention provides an automatic transaction apparatus for performing a transaction based on a customer's operation, an operation unit for displaying an operation necessary for the transaction and guidance display, and a baggage lock for storing the baggage brought at the time of the transaction. Constructed as an automatic transaction apparatus comprising a function-equipped baggage storage device, having a control unit that locks the baggage at the start of the transaction, unlocks the baggage lock at the end of the transaction, and displays the lock and release of the baggage on the operation unit (Claim 1).

  With such a configuration, when a customer with baggage makes a transaction with an automatic transaction apparatus, the baggage is locked by the baggage storage device, so that the transaction operation can be performed without worrying about theft of baggage. .

  Further, the present invention is configured to display a baggage lock release key on the operation unit by the baggage lock, and to control to release the baggage lock by the key operation.

  With such a configuration, anxiety about the fact that the baggage is locked can be solved, and the transaction operation can be performed with peace of mind.

  Furthermore, the present invention provides a medium outlet for inserting or releasing each medium involved in the transaction, and a residual detection means for detecting the presence or absence of the medium in the medium outlet and detecting the residual medium Is configured to control so as not to release the baggage lock (claim 3).

  With such a configuration, it is possible to detect that there is no residual medium at the medium outlet and to release the baggage lock, thereby making it possible to notice that the medium has been forgotten.

  According to the present invention, it is possible to reduce theft of baggage in a transaction operation with baggage, perform an accurate transaction operation, reduce forgetting to remove the medium released from the device, and smoothly advance the customer's transaction operation. And the operating efficiency of the apparatus can be improved.

The external view of ATM in this embodiment. The internal block diagram of ATM in this embodiment. The figure which shows the state which hooked the baggage on the baggage storage tool in this embodiment. The figure which shows the state which locked the baggage in this embodiment. The transaction processing flow chart of ATM of this embodiment (the 1). The transaction processing flow figure of ATM of this embodiment (the 2). The transaction processing flow figure of ATM of this embodiment (the 3). ATM transaction processing flow diagram of the present embodiment (part 4) FIG. 6 is a flow chart of a “baggage lock release” key pressing process in the ATM of the present embodiment (part 1). Flowchart of a “baggage unlock” key pressing process in the ATM of the present embodiment (part 2). The figure which shows the customer guidance screen of ATM in this embodiment. The figure which similarly shows the customer guidance screen of ATM in this embodiment. The figure which shows the customer guidance screen of ATM in the same embodiment.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

  FIG. 1 is an external view of an ATM in this embodiment, and FIG. 2 is an internal configuration diagram of an automatic transaction apparatus.

  In FIG. 1 and FIG. 2, ATM 1 is a device that automatically executes various transactions requested by customers, such as cash deposits and withdrawals and transfers, and is a host computer (not shown) via a transceiver 10. ).

  The ATM 1 is a customer guidance display / input unit 2 that is an operation and display unit, a banknote processing unit 3 that performs banknote deposit / withdrawal processing, a coin processing unit 4 that performs coin deposit / withdrawal processing, and a customer's cash card (simply called a card). 13 card processing / description processing unit 5 for processing journal paper printed with transaction information and transaction information, bankbook processing unit 6 for processing customer's bankbook, detecting person who entered within a predetermined range around ATM1 A customer detection sensor 7, a baggage storage device 8, a main body power supply unit 9, a control unit 12 that controls each processing unit, and a storage unit 11 that stores programs executed by the control unit 12 and various data. Composed. The control unit 12 includes a hardware configuration such as a CPU and a memory and a software configuration such as a program and data, and performs various controls and data processing related to transactions by executing the program on the CPU.

  Next, the configuration and function of each processing unit will be described.

  The customer guidance display / input unit 2 has a screen display and key input detection function. When an ATM customer conducts a transaction, the customer guidance display / input unit 2 displays a guidance screen for a transaction operation or presses the customer's operation such as a personal identification number with a finger. This is the part that accepts key input. The customer guidance display / input unit 2 is preferably an operation / display unit configured by a touch panel using a liquid crystal display, displays various information on the display screen, and corresponds to a plurality of items included in the display screen. Detects customer press.

  The banknote processing unit 3 and the coin processing unit 4 have a cash deposit and withdrawal function, a cash discrimination and transport function, and a storage function.

  The card / detail processing unit 5 inserts or ejects a customer's card, reads or writes to a magnetic stripe in the case of a magnetic card, reads or writes to an IC chip in the case of an IC card, and a card It has a function to read the image of the embossed part. Further, the transaction contents are printed on the specification by the printing unit and discharged from the apparatus.

  The passbook processing unit 6 has a customer passbook insertion / discharge operation, a magnetic stripe read / write operation, a printing function by a printing unit for the passbook, and the like.

  The customer detection sensor 7 is a sensor that detects the presence of a customer in front of the ATM 1, sets a detection range, detects a person and an obstacle when they enter the set detection range, and detects a control unit. 12 is notified.

  The baggage storage 8 can hang and store baggage brought by customers. Further, the hook is moved by the instruction of the control unit to lock the baggage.

  The main body power supply unit 9 is a main body power supply unit of the automatic transaction apparatus 1 and supplies power to various processing units including the control unit 12 directly or to a sub power supply unit (not shown) of each processing unit. The transmission / reception unit 10 is connected to a host computer, and transmits / receives customer transaction information, customer personal information, control instruction information, and the like to / from the host computer.

  In ATM1, the storage unit 11 stores banknote denomination and accumulation pattern data corresponding to the withdrawal amount, customer transaction history, display screen data, and the like.

  FIG. 3 is a diagram showing a state in which baggage is hooked on the baggage storage device 8, and FIG. 4 is a diagram showing a state in which the baggage is locked.

  Next, an ATM transaction processing operation will be described with reference to FIGS.

  FIG. 5 shows a transaction processing flow from the start of transaction to the transition to various transaction processes. FIG. 6 shows a transaction processing flow using a withdrawal transaction as an example. 7 and 8 show a processing flow in the case of displaying a baggage unlock key during transaction processing. FIG. 9 shows a transaction processing flow when the “baggage unlock” key is pressed during transaction processing. FIG. 10 shows a processing flow when processing is performed by detecting presence / absence of residual medium when the “baggage unlock” key is pressed.

  First, with reference to FIG. 5, the transaction processing operation from the start of transaction to the transition to various transaction processes will be described.

  At the start of the transaction, the customer detection sensor 7 detects the customer when the customer approaches the approximate vicinity in front of the ATM 1. Thereby, the control part 12 returns from standby mode, and transfers to a transaction start possible state (S500).

  At that time, the standby screen shown in FIG. 11A is displayed on the display unit of the customer guidance display / input unit 2. The customer puts his / her baggage on the baggage storage 8, selects a desired transaction type from the transaction operation screen displayed on the display unit of the customer guidance display / input unit 2 of ATM 1, and presses the corresponding transaction type button. . Upon confirming that a certain transaction type button has been pressed, the control unit 12 locks the baggage (S501), and if the card 13 is necessary for the transaction, the control screen 12 indicates that the card possessed by the customer is inserted ( In FIG. 11B, a display 15 “Baggage hook is locked” is displayed on the display unit (S502).

  When the customer inserts the card 13 through the insertion slot according to the card insertion guide, the card is detected, and then a guidance screen for instructing the input of the customer's personal identification number is displayed on the display unit (S503). When the customer inputs the password according to the guidance screen, the control unit 12 checks whether or not the input password is correct (S504). As a result, if the entered password is not correct, the number of times of the next input is calculated (S505). If the number is within the predetermined number, the process flow for inputting the password again is performed. Then, a guidance screen for allowing the customer to re-enter the password is displayed (S506).

  If it is determined that the number of times is equal to or greater than the predetermined number, the control unit 12 determines that the operation is illegal and returns the card 13 to the customer (S507).

  The control unit 12 monitors removal of the returned card (S508). When the card is removed, the baggage lock is released (S509), the display 15 “The baggage hook is locked” is cleared (S510), and the transaction is terminated (S511).

  On the other hand, if the card is not removed, the card is collected after a predetermined time (S512), the baggage lock is released (S509), and the display 15 indicating that the baggage hook is locked is turned off. (S510), and the transaction is terminated (S511).

  If the password is correctly input in the password input process, the control unit 12 determines that the identity verification has been normally performed and shifts to a transaction process desired by the customer (for example, “withdrawal transaction”). (S513).

  Next, processing when a withdrawal transaction is selected as various transactions will be described with reference to FIG. After identity verification is carried out in the above processing flow, transaction processing according to the transaction content desired by the customer is started (S600).

  First, the customer inputs information necessary for the desired transaction, and the control unit 12 proceeds to a process of releasing a desired medium (here, card and various cash) according to the input information. Generally, in the case of a transaction in which the card 13 is inserted, the card 13 is first returned as a return medium (S601). The control unit 12 monitors removal of the returned card (S602). If the card 13 is not removed and the predetermined time has passed (S603), the card is collected (S604), the baggage lock is released (S605), and the display 15 indicating that the baggage hook is locked is turned off (S606). ), The transaction is terminated (S607).

  On the other hand, when it is confirmed that the card has been removed in the removal check of the card 13, the control unit 12 proceeds to a process for releasing various media (that is, cash) in the transaction (withdrawal transaction) selected by the customer (S608). ). When the amount of cash desired by the customer is released to the outlet, the control unit 12 checks whether all of the released medium (cash) has been extracted (S609). The detection of withdrawal of cash is easy by withdrawing cash by detecting the ON state when there is residual cash and detecting the OFF state when it is withdrawn by detection of a permeation sensor provided inside the outlet. Can be detected. When the control unit 12 detects that all the media have been removed, the baggage lock is released, the display 15 indicating “the baggage hook is locked” disappears (S606), and the transaction is terminated (S607). .

  As a result, if the user forgets to remove the medium, the baggage remains locked, and the baggage cannot be removed unless the medium is removed.

  On the other hand, if the remaining of the medium is confirmed by the medium removal check, after a predetermined time has elapsed (S610), the forgotten remaining medium is collected inside the apparatus and the process proceeds to a forgetting process (S611). ).

  Next, with reference to FIGS. 7, 8, and 9, a transaction processing operation for displaying the baggage lock release key on the operation unit during the transaction according to the embodiment of claim 2 and releasing the baggage lock by key operation will be described. .

  First, referring to FIG. 7, when the transaction start state is entered (S700), the standby screen of FIG. 11 (a) is displayed on the display unit of the customer guidance display / input unit 2. The customer selects a desired transaction type from the transaction operation screen displayed on the display unit of the customer guidance display / input unit 2 of ATM 1 and presses the corresponding transaction type button. Upon confirming that a certain transaction type button has been pressed, the control unit 12 locks the baggage (S701), and if the card 13 is necessary for the transaction, the control screen 12 indicates that the card possessed by the customer is inserted ( In FIG. 11C, a display 15 “Baggage hook is locked” and a “unlock baggage” key 16 are displayed on the display unit (S702).

  Next, monitoring of pressing of the “baggage unlocking” key 16 is started (S703), and monitoring of pressing of the “baggage unlocking” key 16 is continued until each medium is extracted and the baggage lock is released (S800).

  Next, referring to FIG. 9, when the “baggage unlock” key 16 is pressed for reasons such as a customer wanting to take out an item from the baggage while the “baggage unlock” key 16 is being monitored (S900). The baggage lock is released (S901), the display of “locking the baggage hook” 15 and the “baggage lock release” key 16 is turned off (S902), and the baggage can be removed. Return to the transaction process (S903).

  Next, in FIG. 10, the transaction process when the “baggage unlock” key is pressed during the transaction process according to the embodiment of claim 3 will be described.

  In the transaction process, when the “baggage unlock” key 16 is pressed (S1000), the control unit 12 checks the customer medium in the ATM (S1001). If there is a medium such as the card 13 in the apparatus, the fact that the baggage lock cannot be released during the transaction is displayed on the guidance screen (S1002), and the original transaction process is returned (S1003).

  On the other hand, if there is no customer medium in the ATM, the control unit 12 checks the remaining of the discharged medium such as cash (S1004). If there is a residual medium, a message indicating that the medium should be removed is displayed on the guidance screen (S1005), and the control unit 12 checks whether all of the released medium (cash) has been extracted (S1006). The detection of withdrawal of cash is easy by withdrawing cash by detecting the ON state when there is residual cash and detecting the OFF state when it is withdrawn by detection of a permeation sensor provided inside the outlet. Can be detected. When detecting that all the media have been extracted, the control unit 12 returns to the original transaction process (S1007).

  On the other hand, when it is confirmed by the medium removal check that the medium remains, after a predetermined time has elapsed (S1008), the process proceeds to the forgetting process (S1009).

  On the other hand, when there is no discharged medium such as cash, the baggage lock is released (S1010), and the display 15 of “locking the baggage hook” and the display of the “baggage lock release” key 16 are turned off ( S1011), returning to the original transaction process (S1012).

  As mentioned above, although embodiment of this invention was described, in the said embodiment, although ATM was demonstrated as an example as an automatic transaction apparatus, it is not restricted to this, For example, the money-changing machine which converts into the kind of cash which a customer desires, Furthermore, The configuration of the present invention can also be applied to information terminals, vending machines, and other automatic transaction apparatuses that perform transactions other than financial transactions.

DESCRIPTION OF SYMBOLS 1 ... ATM, 2 ... Customer guidance display / input part, 3 ... Banknote processing part, 4 ... Coin processing part, 5 ... Card / detail processing part, 6 ... Passbook processing part, 7 ... Customer detection sensor, 8 ... Baggage storage 9 ... Main body power supply unit, 10 ... Transmission / reception unit, 11 ... Storage unit, 12 ... Control unit, 13 ... Card, 14 ... Baggage,
15 ... Display indicating that the baggage hook is locked, 16 ... "Unlock baggage" key.

Claims (3)

  In an automatic transaction apparatus that conducts transactions based on customer operations, an operation unit that displays the necessary operations and guidance for the transactions, and a baggage storage device with a baggage lock function that stores the baggage brought at the time of the transaction, An automatic transaction apparatus comprising: a control unit that locks a baggage, releases the baggage lock at the end of the transaction, and displays the lock and release of the baggage on the operation unit.   2. The automatic transaction apparatus according to claim 1, wherein a baggage lock release key is displayed on the operation unit during transaction and the baggage lock can be released by key operation.   2. The automatic transaction apparatus according to claim 1, wherein a medium take-out port for inserting or releasing each medium involved in the transaction, and a residue detecting means for detecting whether or not the medium remains in the medium take-out port, An automatic transaction apparatus provided with a baggage lock release key, wherein the baggage lock is not released when there is a residual medium in the apparatus by pressing the lock release key.

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