JP2013020586A - Transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic teller machine in which a personal identification number input unit is mounted at a proper position without increasing the size of outer frame of the machine.SOLUTION: The invention relates to an automatic teller machine that performs transaction including processing for authentication by checking a personal identification number received from a customer through a personal identification number input unit against a preregistered referential personal identification number. The personal identification number input unit is retractably provided below an operation surface of the automatic teller machine so as to change between a projected state and a stored state, and a drive mechanism is provided to drive a state change of the personal identification number input unit.

Description

  The present invention relates to a transaction apparatus, and in particular, an improved method for mounting an authentication input unit in an automatic transaction apparatus (ATM) or the like.

  In the automatic transaction apparatus, the customer is authenticated depending on the transaction (withdrawal transaction, transfer transaction, etc.) selected by the customer. Moreover, in the automatic transaction apparatus only for withdrawal, the customer is authenticated for each transaction. As one of such authentication methods, there is a method of causing a customer to input a password and collating it with a password managed by the financial institution.

  Conventionally, there is an automatic transaction apparatus in which a customer inputs a personal identification number to a touch panel that is a display / input unit (see, for example, Patent Document 1). However, the touch panel has a large screen configuration in consideration of operation by many customers, such as men and women of all ages, and is provided with a slope that is deeper at the back than the front for easy operation. There is also a high possibility that the entered password is seen by a third party.

  Therefore, in addition to the touch panel, an automatic transaction apparatus including a password number input unit having a numeric keypad for inputting a password has already been proposed (for example, see Patent Document 2). Such an input part for a PIN number is provided with a screen, provided in a recessed part in which a part of the apparatus housing is recessed, or disposed in the center of the front side of the operation surface and is applied to the customer's body. The password input part is hidden (see Non-Patent Document 1 and Non-Patent Document 2), so that it is difficult to see the operation contents for the password input part from the outside.

JP 2010-079596 A JP 2007-172582 A

Description of product number ATM-CP21X of Oki Electric Industry Co., Ltd. “http://www.oki.com/jp/mecatro/products/atm/cp21x.html/” Description of Fujitsu Frontech Co., Ltd. product number FACT-Vmodel20 “http://www.frontech.fujitsu.com/services/products/financial/factv/merit/”

  However, if the PIN code input unit is provided in addition to the touch panel, the configuration for allowing the customer to operate and input the number increases, and the area and space that is divided on the operation surface increases. Nowadays, for example, a booth is provided outside a financial institution store and an automatic transaction apparatus is installed, and an outline of the automatic transaction apparatus may be designed in consideration of installation in the booth. In such a design, the PIN code input unit makes the design difficult. As described in Japanese Patent Laid-Open No. 2004-228620, when the password input unit is provided on the right side of the apparatus, the left-handed customer feels inconvenience. In order to avoid inconvenience for both dominant customers, as described in Non-Patent Document 1 and Non-Patent Document 2, if an input part for a PIN number is provided at the center in the left-right direction, it is visually recognized by a third party. In order to make the performance worse, an input part for a personal identification number must be provided on the near side of the touch panel. If the PIN code input unit is provided on the front side of the touch panel, the length of the device in the depth direction will be longer, and it will not fit in the booth of the specified size, or the booth must be made larger. Don't be. Of course, it is desirable that the automatic transaction apparatus set in the store of a financial institution is not only small, but also small.

  Therefore, there is a demand for a transaction apparatus in which an authentication input unit is mounted at an appropriate position without increasing the size of the apparatus.

  The present invention provides a transaction apparatus for performing a transaction including a process of authenticating by comparing authentication information acquired from a customer via an authentication input unit with reference information registered in advance. A drive mechanism is provided below the operation surface of the transaction apparatus so as to be movable in and out so as to change between the protruding state and the accommodated state, and driving the state change of the authentication input unit.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction apparatus which mounted the input part for authentication in the appropriate position can be provided, without enlarging the outline of an apparatus.

It is a perspective view showing the appearance of automatic transaction device 1 concerning a 1st embodiment. It is explanatory drawing which shows the drive mechanism which makes the PIN code input part in and out of 1st Embodiment show, Comprising: PIN code input part is drawing of the accommodation state. It is explanatory drawing which shows the drive mechanism which makes the PIN code input part in and out of 1st Embodiment show, Comprising: PIN code input part is drawing of a protrusion state. It is explanatory drawing which shows the locking mechanism with respect to the PIN code input part of 1st Embodiment, Comprising: PIN code input part is drawing of an accommodation state. It is explanatory drawing which shows the locking mechanism with respect to the PIN code input part of 1st Embodiment, Comprising: It is drawing where the PIN code input part protrudes. It is a block diagram which shows the structure of the control system in the automatic transaction apparatus of 1st Embodiment. It is a flowchart which shows the flow of the payment transaction which emphasized the characteristic process in the automatic transaction apparatus of 1st Embodiment. It is drawing (the 1) for demonstrating the effect of the automatic transaction apparatus in 1st Embodiment. It is drawing (the 2) for demonstrating the effect of the automatic transaction apparatus in 1st Embodiment. It is drawing (the 3) for demonstrating the effect of the automatic transaction apparatus in 1st Embodiment. It is explanatory drawing which shows the drive mechanism which makes the PIN code input part in and out in 2nd Embodiment show, Comprising: PIN code input part is drawing of an accommodation state. It is explanatory drawing which shows the drive mechanism which makes the PIN code input part in and out in 2nd Embodiment, Comprising: It is drawing of the PIN code input part in the protrusion state. It is a perspective view which shows the external appearance of the automatic transaction apparatus which concerns on deformation | transformation embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment which applied the transaction apparatus by this invention to an automatic transaction apparatus (ATM) is described, referring drawings.

(A-1) Configuration of First Embodiment FIG. 1 is a perspective view showing an appearance of an automatic transaction apparatus 1 according to the first embodiment. FIG. 1 shows a case where a personal identification number input unit 8, which will be described later, is in a protruding state.

  The automatic transaction apparatus 1 according to the first embodiment includes a display / input unit 2, a banknote deposit / withdrawal port 3, a coin deposit / withdrawal port 4, a card entrance / exit 5, a passbook entrance / exit 6, a biometric reading unit 7, a PIN number input unit 8, and the like. Have.

  The front face of the automatic transaction apparatus 1 facing the customer is generally stepped. An intermediate front surface (operation surface) is provided with a display / input unit 2, a banknote deposit / withdrawal port 3, a coin deposit / withdrawal port 4, and a living body reading unit 7, and an upper front surface standing above the back side of the horizontal plane A card entry / exit 5 and a passbook entry / exit 6 are provided, and a code number input portion 8 is provided on a lower front surface 9 facing downward from the front side of the horizontal plane.

  The display / input unit 2 includes a display unit and a touch panel type input unit. The display / input unit 2 performs various inputs according to customer operations and displays operation guidance and the like. In the case of the first embodiment, the display / input unit 2 is not used for inputting the personal identification number.

  The bill deposit / withdrawal port 3 is an opening through which bills are inserted and bills are discharged. The bill deposit / withdrawal port 3 is provided with a shutter, and the bill deposit / withdrawal port 3 is opened and closed by driving the shutter.

  The coin deposit / withdrawal port 4 is an opening through which coins are inserted and coins are discharged. The coin deposit / withdrawal port 4 is also provided with a shutter, and the coin deposit / withdrawal port 4 is opened and closed by driving the shutter.

  Card entry / exit 5 inserts a card used for transactions (regardless of recording method such as magnetic card, IC card, etc .; regardless of issuer such as cash card, credit card, etc.). It is a doorway to be discharged. In addition, the statement slip describing the transaction content may be discharged from the card entrance / exit 5.

  The bankbook entrance / exit 6 is an entrance / exit from which a bankbook used in the transaction is inserted and from which the bankbook is discharged when the transaction ends.

  The biometric reading unit 7 reads biometric information of a customer who applies a biometric authentication method as an authentication method. The type of biometric authentication is not questioned.

  The personal identification number input unit 8 is for allowing a customer to apply a personal identification number verification method as an authentication method to input a personal identification number. In the case of the first embodiment, the password input portion 8 is provided on the lower front surface 9 so as to be able to appear and disappear. The personal identification number input unit 8 takes either a protruding state protruding from the lower front surface 9 or an accommodation state in which the personal identification number input unit 8 is accommodated in the housing of the automatic transaction apparatus 1 and is flush with the lower front surface 9. . The lower front surface 9 has a window portion 9 a for allowing the password input portion 8 to appear and appear. Here, the lower front surface 9 may be fixed and non-movable, and is a door that can be rotated around the right end or the left end to be able to confirm the inside during maintenance. Also good.

  The code number input unit 8 is, for example, provided at the center in the left-right direction of the lower front surface 9 and at the top in the vertical direction of the lower front surface 9. If it is provided in the center in the left-right direction, the PIN number input unit 8 is hidden by the body of the customer (operator) so that the third party cannot see the entered PIN number, and it is easy for both right-handed and left-handed customers. You can enter your PIN. When provided at the top in the vertical direction, the height of the display / input unit 2 provided on the operation surface and the operation unit 11 described later of the code number input unit 8 are the same, and the customer who has entered the code number However, there is no need to take an unreasonable posture.

  The personal identification number input unit 8 includes a rotating body 10 and an operation unit 11. The outer surface of the rotating body 10 has a substantially quadrangular prism shape. The first side surface 10a is a surface that is flush with the lower front surface 9 in the accommodated state, the third side surface 10c is a surface on which the operation unit 11 is provided, and the second side surface 10b is the first side surface 10a and the third side surface 10c. The fourth side surface (see 10d in FIGS. 2 and 3 to be described later) that is not shown in FIG. 1 is the same as a part of the side surface of the cylinder that connects the first side surface 10a and the third side surface. 10c is a surface on the opposite side to the second side surface 10b, which connects 10c.

  FIG. 2 and FIG. 3 are explanatory views showing a drive mechanism for moving the password input unit 8 in and out. 2 and FIG. 3 are drawings (side views) of the personal identification number input unit 8 and its surroundings as seen from the direction of line AA in FIG. 1, and FIG. 2 is a drawing of the personal identification number input unit 8 in the accommodated state. FIG. 3 is a drawing in which the code number input unit 8 is in a protruding state.

  As shown in FIG. 3, the third side surface 10 c of the rotating body 10 in which the operation unit 11 is provided has a front side higher than a back side in the protruding state. This also makes it difficult for a third party to see the operation unit 11.

  A rotating shaft member 20 serving as a rotation center of the rotating body 10 is provided in the vicinity of the connecting portion between the first side surface 10 a and the fourth side surface 10 d of the rotating body 10 and inside the lower front surface 9. . The rotating body 10 is fixed to the rotating shaft member 20. The rotary shaft member 20 can be rotated forward and backward by a bearing member (not shown). 2 and 3, the intersection of two one-dot chain lines represents the rotation center of the rotating body 10. A two-dot chain line represents a circle including the rotation locus of the second side surface 10b of the rotating body 10 that is farthest from the rotation center. The second side surface 10b has a curved surface obtained by cutting out a part of the side surface of the cylindrical body having an outer periphery having the same diameter as the circle. Thereby, both the clockwise rotation and the counterclockwise rotation of the rotating body 10 can be smoothly executed without contacting the outside.

  The rotating shaft member 20 is formed of, for example, a cylindrical body, and an opening (not shown) is provided on a part of the outer periphery of the rotating shaft member 20. The signal line connected to the operation unit 11 and passing through the rotating body 10 rotates. The shaft member 20 enters the cylindrical body. Both ends or one end of the rotating shaft member 20 is open, and a signal line extending from the open end to the inside of the cylindrical body is exposed to the outside, whereby the signal line is connected to a main control unit 40 (described later). (See FIG. 6). As the above-described bearing member, one having a configuration that does not disturb the signal line from the open end to the outside is applied. The rotating shaft member 20 generates a change from the projecting state to the housed state of the rotating body 10 (and hence the password input unit 8), or a clockwise direction or a counterclockwise direction only by creating a change from the housed state to the projecting state. Since the rotation angle is small and the clockwise rotation and the counterclockwise rotation are alternately generated, the signal line is arranged in the cylindrical body of the rotary shaft member 20. Even if it is made to pass, it is possible to prevent the signal line from being disconnected.

  Note that wireless (including optical communication) may be used for signal exchange between the operation unit 11 and the main control unit 40 (see FIG. 6).

  A fan-shaped gear 21 as viewed from the direction of the AA line is fixed to the rotating shaft member 20, and the rotating shaft member 20 is rotated by the rotation of the gear 21, and the rotating shaft member 20 is rotated. Thus, the rotating body 10 is rotated. The gear 21 may be circular, but since the rotation angle is small, a sector shape is sufficient as described above. The rotating body 10 is rotated by the rotation of the rotating shaft member 20, but in addition to this, one radial side of the sector of the gear 21 is fixed to the fourth side surface 10 d of the rotating body 20 and directly from the gear 21. Rotational power may be applied to the rotating body 10.

  A motor 22 is generated in which the driving force for rotating the rotating body 10 is fixed in the housing of the automatic transaction apparatus 1. The motor 22 can rotate forward and backward, and a main control unit 40 (see FIG. 6) described later can easily control the rotation amount, for example, a stepping motor can be applied. A gear 23 is provided on the rotating shaft of the motor 22. In addition, it is preferable to apply a motor 22 that prevents the rotation of the rotation shaft by a built-in brake when not rotating.

  In the case of the first embodiment, the gear 23 is not directly meshed with the gear 21, and a configuration for reducing the speed is provided between the gears 23 and 21. Deceleration slows the change from the protruding state of the rotating body 10 (and hence the password input unit 8) to the accommodated state or the change from the accommodated state to the protruded state, surprises the customer or changes the position of the rotating body 10 to the customer. This is a technique for eliminating the risk of injury. Even when the gear 23 and the gear 21 are directly meshed with each other, the speed can be reduced by making the diameter of the gear 23 smaller than the diameter of the gear 21, but in the case of the first embodiment, in order to further reduce the speed, The structure for this is provided.

  A gear 24 having a smaller diameter than the gear 21 is engaged with the gear 21. A gear 25 having a larger diameter than the gear 23 is engaged with the gear 23. The gear 24 and the gear 25 have a common rotating shaft. The rotating shaft is freely rotatable by a bearing member (not shown). The rotation of the gear 23 provided on the rotation shaft of the motor 22 is transmitted to the gear 25, and the gear 25 rotates at a lower rotational speed than the gear 23. Since the gear 24 and the gear 25 have a common rotation axis, the gear 24 rotates at the same rotational speed as the gear 25. The rotation of the gear 24 is transmitted to the gear 21, and the gear 21 rotates at a lower rotational speed than the gear 24. As described above, the rotational speed of the motor 22 is greatly reduced by the two-stage reduction, that is, the reduction by the gear ratio between the gear 23 and the gear 25 and the reduction by the gear ratio between the gear 24 and the gear 21. The rotation speed becomes.

  If the rated rotational speed of the motor 22 is low, the configuration for deceleration can be omitted. Further, if the motor 22 can change the rotation speed by an external control signal, the configuration for deceleration can be omitted by setting the rotation speed of the motor 22.

  Although FIGS. 2 and 3 show the transmission of the motive power by the motor 22 to the rotating body 10 through the meshing of the gears, other power transmission mechanisms may be applied. For example, power may be transmitted by a pulley and a belt, or power may be transmitted by a sprocket and a chain. For example, a pulley may be attached to the rotation shaft of the motor 22, and a pulley may be provided on the rotation shaft provided with the gear 25 instead of the gear 25, and power may be transmitted by winding a belt between these pulleys. Similarly, a sprocket may be attached to the rotating shaft of the motor 22, and a sprocket may be provided on the rotating shaft provided with the gear 25 instead of the gear 25, and power may be transmitted by winding a chain between these sprockets. .

  In the case of the first embodiment, a lock structure is provided that prevents a customer or the like from pulling out the rotating body 10 in the accommodated state of the rotating body 10. This lock configuration can prevent the rotating body 10 from being pulled out without affecting the change in the protruding state from the housed state of the rotating body 10 or the change in the housed state from the protruding state of the rotating body 10.

  4 and 5 are explanatory views showing such a locking mechanism, respectively. 4 and FIG. 5 are drawings (side views) of the personal identification number input unit 8 and its surroundings seen from the direction of line AA in FIG. 1, and FIG. 4 is a drawing of the personal identification number input unit 8 in the accommodated state. FIG. 5 is a drawing in which the code number input unit 8 protrudes.

  Here, FIG. 4 and FIG. 5 as well as FIG. 2 and FIG. 3 are views as seen from the direction of line AA in FIG. 1, and the components arranged in parallel in the axial direction of the rotating shaft are actually One can hide the other. However, for convenience of explanation, FIGS. 4 and 5 as well as FIGS. 2 and 3 omit the illustration of the longitudinal relationship along the axial direction, and FIGS. 4 and 5 show the drive for locking the password input unit 8. 2 and 3 focus on the drive mechanism that causes the password number input unit 8 to appear and disappear as described above.

  4 or 5, a protrusion (or protrusion) 30 that protrudes from the third side surface 10 c is provided in the vicinity of the boundary between the third side surface 10 c and the fourth side surface 10 d of the rotating body 10. Even when the rotating body 10 is to be pulled out in the accommodated state of the rotating body 10, the protrusion 30 can be prevented from protruding by hooking a claw portion 32 c of a lock bracket 32 to be described later.

  An eccentric cam 31 is also provided on the rotary shaft on which the gear 24 and the gear 25 are provided, and a lock bracket 32 for converting the rotational motion of the eccentric cam 31 into a linear motion is provided. . The lock bracket 32 can be moved only in the vertical direction by an annular guide 33 provided in a fixed manner. The lock bracket 32 includes a cam contact portion 32a that is in contact with the outer peripheral surface of the eccentric cam 31, a moving portion 32b that extends upward from the cam contact portion 32a, is surrounded by a guide 33, and moves up and down, and a moving portion. A claw portion 32c provided on the upper portion of 32b and having a claw for preventing the movement of the protrusion 30 and a spring mounting portion 32d to which one end of the spring member 34 is attached. The other end of the spring member 34 is fixed. The spring member 34 is made of, for example, a spring coil, and applies a tensile force for guaranteeing and determining the contact between the outer peripheral surface of the eccentric cam 31 and the cam contact portion 32a. Instead of the spring member 34, another elastic member (for example, rubber) may be applied. The spring member 34 may be omitted if the contact between the outer peripheral surface of the eccentric cam 31 and the cam contact portion 32a can be guaranteed and determined by the weight of the lock bracket 32.

  The eccentric cam 31 is attached to the rotating shaft as follows. Although the distance between the center of the eccentric cam 31 and the cam contact portion 32a changes due to the rotation of the eccentric cam 31, the eccentricity cam 31 is offset when the rotating body 10 is in the accommodated state within the angular range in which the rotation shaft rotates. When the distance between the center of the core cam 31 and the cam contact portion 32a is the shortest and the rotating body 10 is in the protruding state, the distance between the center of the eccentric cam 31 and the cam contact portion 32a is the longest. A lead cam 31 is attached to the rotating shaft.

  In the accommodated state of the rotating body 10 shown in FIG. 4, the protrusion 30 and the claw portion 32c are close to each other with some play (play angle) in the rotation direction. When the motor 22 rotates to change the rotating body 10 from the housed state to the projecting state, the eccentric cam 31 also starts rotating, and the lock bracket 32 gradually moves up until a position where the claw portion 32c does not contact the protrusion 30. Move. The rotating body 10 gradually protrudes by the rotation of the motor 22, but due to the above-described play, when the projection 30 goes to the claw portion 32c, the claw portion 32c moves to a position where it does not contact the projection 30. Thus, the protrusion 30 and the claw portion 32c do not interfere with the rotation in the protruding direction.

  Similarly, when the eccentric cam 31 has a similar rotation angle, the claw portion 32c passes above the protrusion 30 during the rotation for changing from the protruding state to the accommodated state. Further, when the eccentric cam 31 is rotated, the claw portion 32 c is further lowered to a position where it can come into contact with the protrusion 30.

  Even when an external force for projecting the rotating body 10 is applied and the gear 21 is rotated in the accommodated state, the gear 24 and thus the eccentric cam 31 does not immediately start rotating due to the backlash between the gear 21 and the gear 24. . For this reason, the lock bracket 32 does not move upward, and the protrusion 30 is caught by the claw portion 32c, thereby preventing the rotating body 10 from protruding.

  As described above, the driving force for changing the lock structure that prevents the customer or the like from pulling out the rotating body 10 so as not to interfere with the original change between the housed state and the protruding state is also a motor. 22 motive power is utilized, and the structure which produces motive power separately is made unnecessary.

  In the case where the lower front surface 9 is a pivotable door, the password input part 8 and the mechanism for driving and locking the password input part 8 may all be provided in parts other than the door. Alternatively, a part may be provided on the door side. For example, if the meshing of the gear 21 and the gear 24 can be ensured even when the door is opened and closed, the password input unit 8, the rotary shaft member 20, and the gear 21 may be provided on the door side.

  FIG. 6 is a block diagram illustrating a configuration of a control system in the automatic transaction apparatus 1 according to the first embodiment.

  6, the automatic transaction apparatus 1 includes a main control unit 40 that controls each unit, the display / input unit 2 described above, the biometric reading unit 7 described above, the operation unit 11 of the code number input unit 8 described above, a cash card, and the like. Card processing unit 41 that reads / writes information recorded on the card, voice guidance unit 42 that outputs operation guidance and the like, passbook processing unit 43 that controls read / write of the magnetic stripe of the passbook and printing on the passbook, transaction A statement slip processing unit 44 that prints and discharges a statement on a statement slip, the above-described bill processing unit 45 that controls the taking and discharging of bills, a coin processing unit 46 that controls the taking and discharging of coins, and a password input unit 8 A rotation control unit 47 is provided for executing the state change. The automatic transaction apparatus 1 also includes a power supply unit 48 that supplies power to each unit, a memory unit 49 as a storage unit of the main control unit 20, and an interface unit 50 that controls an interface with a host computer of the financial institution (not shown). .

  The main control unit 40 is mainly composed of, for example, a microcomputer and controls the entire operation of the automatic transaction apparatus 1. The memory unit 49 includes, for example, a program memory, a working memory, and a setting data memory. The main control unit 40 uses each working memory as a memory for temporarily storing information in accordance with a program (see FIG. 7 described later) stored in the program memory and data set in the setting data memory. To control.

  The rotation control unit 47 controls the rotation (rotation direction, rotation speed, rotation amount) of the motor 22 under the control of the main control unit 40.

(A-2) Operation of the First Embodiment Next, the operation of the automatic transaction apparatus 1 according to the first embodiment will be described. Below, operation | movement when the transaction accompanying the process which authenticates a customer is selected. In the following description, it is assumed that the transaction is a withdrawal transaction.

  FIG. 7 is a flowchart showing the flow of a withdrawal transaction emphasizing the feature processing in the automatic transaction apparatus 1 of the first embodiment.

  When the withdrawal transaction is selected while the standby screen for selecting a transaction is displayed on the display / input unit 2, the main control unit 40 starts the process shown in FIG. In the standby state, the password input unit 8 is in the accommodated state. When the processing shown in FIG. 7 is started, first, the main control unit 40 performs display for prompting insertion of a bankbook and / or cash card, and takes in information from the bankbook and cash card inserted by the customer (step S100). Whether it is a customer who performs biometric authentication or a customer who performs authentication by inputting a personal identification number, authentication is performed accordingly. In FIG. 7, such a determination step and a flow in the case of performing biometric authentication are omitted. Yes.

  If it is a customer who performs authentication by inputting a personal identification number, the main control unit 40 notifies the customer that the personal identification number input unit 8 is to be moved out (step S101), and then puts the personal identification number input unit 8 in a protruding state. Move (step S102). This notification may be, for example, a notification by displaying a guidance illustration opened by the personal identification number input unit 8 with respect to the display / input unit 2, or may be a notification by voice guidance. When the personal identification number input unit 8 changes to the protruding state, the main control unit 40 rotates the motor 22 in the protruding direction by a predetermined amount as described above.

  When the personal identification number input unit 8 is in the protruding state, the main control unit 40 displays that the customer is requested to input the personal identification number with respect to the personal identification number input 8, and accordingly, the personal identification number input by the customer is displayed. Capture (step S103). Then, the main control unit 40 determines whether or not the input personal identification number is a regular personal identification number registered for the customer, in other words, authentication OK or authentication NG (step S104).

  In the case of authentication NG, the main control unit 40 determines whether or not the number of consecutive authentication NGs has reached a predetermined number (step S105). If not, the main control unit 40 returns to step S103 described above to enter the password. Let them enter again. On the other hand, when the number of consecutive authentication NGs reaches a predetermined number, the main control unit 40 notifies the customer that the withdrawal transaction is forcibly terminated and that the password input unit 8 is accommodated and moved (step). After that, the personal identification number input unit 8 is moved to the accommodation state (step S107). Then, the main control unit 40 returns the display to the display of the standby screen (step S108), and ends the current series of withdrawal transactions. In this case, the notification of the accommodation movement may be, for example, a notification by displaying a guidance illustration that closes the password input unit 8 to the display / input unit 2, and in addition, a notification by voice guidance may be used. There may be. When the personal identification number input unit 8 changes to the accommodation state, the main control unit 40 rotates the motor 22 in the accommodation direction by a predetermined amount as described above.

  When the authentication by the entered password is OK, the main control unit 40 notifies the customer that the password input unit 8 is to be accommodated and moved (step S109), and then the password input unit 8 is moved to the accommodated state. (Step S110). Further, the main control unit 40 causes the display / input unit 2 to display that the withdrawal amount is designated and the numeric keypad, and in response thereto, takes in the withdrawal amount input by the customer (step S111). The PIN number input unit 8 may be used as a withdrawal amount input unit. In this case, the PIN number input unit 8 is moved to the accommodation state after the withdrawal amount is input.

  When the withdrawal amount is input, the main control unit 40 confirms that the withdrawal amount is smaller than the customer's balance, and transports the money corresponding to the amount, or prints it on a passbook or statement (step). After that, the shutter is opened and money is handed over to the customer, or a passbook, statement slip or cash card is handed over to the customer (step S113). Then, the main control unit 40 returns the display to the display of the standby screen (step S108), and ends the current series of withdrawal transactions. Note that, unlike the above, the PIN input unit 8 in the protruding state may be changed to the accommodated state at the timing when the withdrawal transaction is completed as in the process of step S113.

(A-3) Effect of the First Embodiment According to the first embodiment, the password input unit 8 is provided at the center in the left-right direction of the lower front surface 9 and at the upper part in the up-down direction so as to be able to appear and retract. The personal identification number input unit 8 can be mounted at an appropriate position when viewed from a plurality of functional surfaces such as a crime prevention surface and an installation surface without increasing the size of the outline of the automatic transaction apparatus 1.

  Since the personal identification number input unit 8 is provided at the center in the horizontal direction of the lower front surface 9 and the upper part in the vertical direction, when the customer inputs the personal identification number by using the personal identification number input unit 8 in the protruding state. The customer's body covers and hides the personal identification number input unit 8, and the third party cannot see the personal identification number being entered, so that an excellent effect in terms of crime prevention can be expected. Moreover, since the front side of the protruding code number input unit 8 is higher, the third party cannot see the code number being input by this point as well.

  In the case of the first embodiment, since the PIN input unit 8 is accommodated in the automatic transaction apparatus 1 except for the timing when authentication is required, the PIN input unit 8 gives restrictions on the installation space of the automatic transaction apparatus 1. There is no such thing. Hereinafter, this effect will be described in detail in relation to the comparative example.

  For example, as shown in FIG. 8, an automatic transaction apparatus in which a personal identification number input unit (8) is fixedly provided on the front side of the display / input unit (2) is conventionally considered. When the transaction apparatus is installed in a booth with a shutter, the length in the depth direction is long, and as shown in FIG. 9, there is a risk of obstructing the opening and closing of the shutter. The length must be long. Further, in the case where the password input part (8) fixedly provided on the front side of the display / input part (2) is provided at the upper part of the lower front surface (9) serving as a door, FIG. As shown in Fig. 2, the security code input part (8) may collide with one of the left and right walls of the booth due to the opening of the door, causing damage to the booth. I have to make it long.

  In the case where the security code input unit is suitable for crime prevention and is provided at the center in the left and right direction of the lower front and in the upper part of the vertical direction, when installing from an existing device that does not have such a security code input unit, the installation range However, in the case of the first embodiment, since the accommodation state can be taken, it is possible to realize the installation range and the maintenance range in the same manner as currently operated devices. It is.

  In addition, according to the first embodiment, the password input unit 8 is accommodated except when necessary, so that it is compared with the password input unit fixedly provided around the display / input unit (2). Thus, the following effects can be achieved. Since the PIN code input unit fixedly provided around the display / input unit (2) falls within the visual range of the customer during the transaction, information to be input with the numeric keypad displayed on the display / input unit 2, Although it is impossible to prevent an operation that a customer tries to input from the personal identification number input unit by mistake, in the first embodiment, such an erroneous operation can be prevented. In the first embodiment, since the personal identification number input unit 8 is accommodated except when the personal identification number is input, it is easy for the customer to recognize the component to be operated and the operability can be improved.

  In the first embodiment, the personal identification number input unit 8 that can be freely moved is locked so that it cannot be pulled out in the accommodated state. Therefore, the personal identification number input unit 8 is pulled out and an illegal act (for example, input is performed). The act of attaching a wireless device that wirelessly transmits a personal identification number) can be avoided in advance.

(B) 2nd Embodiment Next, 2nd Embodiment which applied the transaction apparatus by this invention to an automatic transaction apparatus (ATM) is described, referring drawings. Below, it demonstrates centering on the point from which the automatic transaction apparatus 1A of 2nd Embodiment differs from the automatic transaction apparatus 1 of 1st Embodiment.

  FIG. 11 and FIG. 12 are explanatory views showing a drive mechanism for moving the personal identification number input unit 8A of the second embodiment in and out, respectively, corresponding to FIG. 2 and FIG. 3 according to the first embodiment.

  The personal identification number input unit 8A of the second embodiment includes a linear moving body 10A that appears and disappears and an operation unit 11A. The outer periphery of the linear motion body 10A has a generally box shape, and an operation unit 11A having a numeric keypad is attached to the upper surface thereof. 10 A of linear motion bodies change between a protrusion state and an accommodation state by the advance / retreat by the drive mechanism mentioned later. FIG. 11 is a drawing of the personal identification number input unit 8A in the accommodated state, and FIG. 12 is a drawing of the personal identification number input unit 8A in the protruding state. In the accommodated state, the front surface of the linear motion body 10A is flush with the lower front surface 9A of the automatic transaction apparatus 1A.

  A rack 60 is attached to at least one side surface of the linear motion body 10A. The pinion 61 that meshes with the rack 60 is attached to the rotating shaft of the motor 22A. Note that, as in the first embodiment, the rotation of the motor 22A may be transmitted to the pinion 61 via a speed reduction mechanism. Similarly to the first embodiment, the motor 22A can rotate forward and backward, and rotates under the control of the main control unit (see FIG. 6). Although not shown in the drawings, a guide for guiding the forward and backward movement of the linear motion body 10A is provided on at least one of the side surface and the lower surface of the linear motion body 10A and the apparatus main body side facing the surface.

  Although omitted in FIGS. 11 and 12, a locking mechanism similar to that of the first embodiment may be provided to prevent the linear motion body 10A in the accommodated state from being pulled out by an external force.

  The rotation of the motor 22A is converted into a linear motion by the rack 60 and the pinion 61, and the linear motion body 10A, and hence the password input unit 8A, changes between the protruding state and the accommodated state.

  Except for the above points, the automatic transaction apparatus 1A of the second embodiment is the same as the automatic transaction apparatus 1 of the first embodiment.

  Also according to the second embodiment, the same effect as that of the first embodiment can be obtained, such as being able to mount the password input unit at an appropriate position without increasing the size of the outer shell of the apparatus.

(C) Other Embodiments In the description of the above-described embodiment, various modified embodiments have been referred to. However, modified embodiments as exemplified below can be cited.

  In each of the above-described embodiments, the automatic transaction apparatus including only the PIN code input units 8 and 8A that can freely appear and disappear is shown. However, as shown in FIG. The personal identification number input unit 70 may be provided. For example, whether or not the PIN number input units 8 and 8A are applied is one item of a contract with a financial institution when the customer opens an account, and whether or not the PIN code input units 8 and 8A are applied to the customer. It may be discriminated and the appearance of the password input units 8 and 8A may be controlled. For example, in the case where another password input unit 70 is arranged on the right side of the display / input unit 2, left-handed customers may use the password input units 8 and 8 </ b> A that can appear and disappear. Further, for example, according to the account balance of the customer, it may be controlled whether the password input unit 8 or 8A is applied or another password input unit 70 is applied.

  In each of the above embodiments, the code number input units 8 and 8A are shown up and down for each transaction that requires the input of the code number. However, the appearance and appearance may be controlled from another viewpoint. For example, in the case of the automatic transaction apparatus 1, 1A installed at the booth, before the opening of the business hours, the password input units 8, 8A are changed to the protruding state, and the protruding state is maintained during the business hours, and the business hours end. You may make it change to an accommodation state later. Such time management of the state change may be performed automatically by the main control unit or by a staff member of a financial institution. In the latter case, the clerk operates, for example, a state change switch provided therein, and the main control unit changes the state of the password input units 8 and 8A according to the switch operation. Also, for example, when an automatic transaction apparatus that can set an executable transaction is set to function as a withdrawal-only machine, the main control unit uses the password input unit 8, 8A based on the setting information. May be controlled so as to be always in the protruding state.

  In each of the above-described embodiments, only one code number input unit 8 and 8A that can be moved in and out is shown, but a plurality of code number input units 8 and 8A that can be moved in and out may be provided. For example, if the information obtained from the inserted passbook or cash card indicates that the customer is right-handed, enter the PIN code on the right side. When the customer is left-handed, the password input part on the left side may be applied. In this case, the customer's dominant hand information is included in the information recorded in the bankbook or cash card.

  In the description of each of the above embodiments, the operation units 11 and 11A of the password input / output units 8 and 8A that can freely appear and drop are provided with mechanical key switches (tenkeys), but a touch panel is provided on the operation units 11 and 11A. You may apply, and when a touch panel is applied, you may make it change the arrangement | sequence of a numeric keypad for every transaction.

  In the description of each of the above embodiments, the material of the rotating body 10 and the linear motion body 10A was not mentioned, but a cushioning material such as sponge or rubber is applied to a portion that may come into contact with the customer in the protruding state. You may make it do.

  In the above-described embodiments, the authentication input unit that can be moved up and down is the PIN number input unit 8 and 8A. However, in addition to this, other authentication input units can be moved up and down. May be. For example, the living body reading unit and the card reading unit may be made to appear and disappear. When the code number input unit and the biometric reading unit can be made to appear and retract, they may be provided on different rotating bodies (or linear motion bodies), or may be provided on the same rotational body (or linear motion body). Anyway. The biometric reading unit and card reading unit do not need to take security into consideration when reading, but by making the biometric reading unit and card reading unit freely movable, the outside of the device can be made small and easy to install in a booth etc. There is an effect that can be made.

  In each of the above-described embodiments, the case where the present invention is applied to an automatic transaction apparatus that handles money has been described, but an apparatus that handles checks, securities, certificates, tickets, and the like may be used. Further, the transaction apparatus according to the present invention is not limited to an apparatus related to a financial institution. For example, a vending machine for a ticket installed in a station or the like, a new commuter pass, a continuous issuing apparatus, etc. Any device can be used.

  DESCRIPTION OF SYMBOLS 1, 1A ... Automatic transaction apparatus, 2 ... Display / input part, 7 ... Biometric reading part, 8, 8A ... PIN number input part, 9 ... Lower front surface of automatic transaction apparatus, 10 ... Rotating body, 10A ... Linear motion body, 11 , 11A ... operation unit, 40 ... main control unit, 47 ... rotation control unit, 49 ... memory unit.

Claims (5)

In a transaction apparatus for performing a transaction including a process of verifying and authenticating authentication information captured from a customer via an authentication input unit with reference information registered in advance,
The authentication input unit is provided below the operation surface of the transaction apparatus so as to be movable in and out so as to change between a protruding state and an accommodation state, and a drive mechanism that drives a change in the state of the authentication input unit. A transaction apparatus comprising:   The drive mechanism includes a motor that generates motive power, and a motion transmission mechanism that transmits the motive power generated by the motor to change the state of the authentication input unit, and the motion transmission mechanism includes a speed reduction mechanism. The transaction apparatus according to claim 1.   3. The lock mechanism according to claim 1, further comprising a lock mechanism that prevents a change in the position of the authentication input unit even when an external force is applied to the authentication input unit when the authentication input unit is in the housed state. Transaction equipment.   The exposed surface visible from the outside when the authentication input unit is in the accommodated state is on the same surface as the front surface of the casing on which the authentication input unit is provided. The transaction apparatus according to Crab.   The transaction apparatus according to claim 1, wherein the authentication input unit is a password input unit that allows a customer to input a password.

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