JP2015026229A - Automatic transaction device, automatic transaction system and paper money exchange transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic machine capable of performing exchange transaction in the case where paper money has small doodling, a scorch or a stain with blot due to ink or the like.SOLUTION: The automatic transaction device relating to this invention includes an operation part for urging a user to select a transaction kind, a money receiving and paying part for receiving and paying paper money in accordance with the selected transaction kind, a discrimination part for acquiring image information of paper money to be inputted and paid and discriminating a denomination and genuineness, and a first receipt shed and a second receipt shed for storing discriminated paper money on the basis of a discrimination result, and includes a control unit for performing control so as to receive inputted paper money in the first receipt shed and also pay paper money having the same denomination as the inputted paper money stored in the second receipt shed in the case where a scorch or a stain degree of the inputted paper money is equal to or more than a prescribed value.

Description

  The present invention relates to an automatic transaction apparatus that handles banknotes, an automatic transaction system, and a banknote exchange transaction method.

  Patent Document 1 discloses that banknote management is performed using serial numbers for monitoring the banknotes in and out of the recycle box.

JP 2012-133661 A

  If the banknotes are burnt or have stains such as graffiti or ink, some users may feel uncomfortable and want to exchange them. In this case, it is necessary for the user to go to the bank counter to exchange bills.

  The automatic transaction apparatus according to the present invention includes an operation unit that prompts the user to select a transaction type, a deposit / withdrawal unit that deposits / withdraws banknotes according to the selected transaction type, and image information of banknotes to be deposited / withdrawn. A banknote that has been acquired and has a determination unit that determines the denomination and authenticity, and a first storage and a second storage that store the determined banknote based on the determination result. If the degree of burnout or contamination of the sheet is equal to or greater than a predetermined value, the deposited banknote is taken into the first storage and the banknote of the same denomination as the deposited banknote stored in the second storage is withdrawn. And a control unit for controlling.

  According to the present invention, it is possible to provide an automatic machine capable of exchange transaction when the banknote is burnt or stained.

Schematic diagram of an automatic transaction apparatus according to an embodiment of the present invention Functional block diagram of an automatic transaction apparatus according to an embodiment of the present invention Configuration diagram from above of the discriminating unit according to the embodiment of the present invention FIG. 3A is a cross-sectional configuration diagram of the banknote in FIG. 3A according to the embodiment of the present invention. The figure which shows the state of the burnt banknote based on the Example of this invention. Example table of information stored in discrimination storage unit at the time of withdrawal transaction according to the embodiment of the present invention Display example of transaction selection menu displayed on the operation unit according to the embodiment of the present invention Example table of information stored in the discrimination storage unit when banknotes are exchanged according to the embodiment of the present invention Example table of information stored in main body storage unit when banknote is exchanged according to an embodiment of the present invention The flowchart which shows the process at the time of carrying out the exchange transaction of the banknote based on the Example of this invention.

  Hereinafter, description will be made with reference to the drawings according to embodiments of the present invention. First, FIG. 1 is a diagram showing an outline of an automatic transaction apparatus according to an embodiment of the present invention. Specifically, in the depositing / dispensing unit 1 where the user puts in and out banknotes, the hopper 2 in which the user inserts banknotes in the depositing / dispensing unit 1, the reject stacker 3 for returning mainly rejected banknotes to the user, The conveyance path 5 that conveys the banknotes to each part in the apparatus, the characteristics of the banknotes are read from the gates 4, 7, 8, 11, 12, 13, 14, and various sensors that change the banknote destination in the conveyance path, and the denomination , A discriminating unit 6 for discriminating authenticity, type, thickness, serial number, etc., a temporary storage 9 for temporarily storing banknotes, a collection box 10 for storing counterfeit bills and banknotes that the user has forgotten, and storing banknotes Recycling warehouses 15, 16, 17, 19, which are storages for withdrawing money, and a non-recycling warehouse 18, which is a storage for storing banknotes not to be recycled, are provided. In addition, in the case of an automatic transaction apparatus without the collection | recovery store | warehouse | chamber 10, the structure which puts a fake ticket and the banknote which the user forgot to take in the non-recycle store | warehouse | chamber 18 may be sufficient.

  Next, the outline | summary of operation | movement of the transaction using the automatic transaction apparatus of FIG. 1 is demonstrated. In a deposit transaction in which a user deposits a banknote, when the user inserts a banknote into the deposit / withdrawal unit 1, the banknotes are separated one by one from the hopper 2 of the deposit / withdrawal unit 1 and fed out onto the conveyance path 5. Then, the determination unit 6 determines the banknote denomination, authenticity, fold state, serial number, etc., and determines the banknote storage destination. Here, bills that are genuine bills or bills that need to be recovered suspiciously are put in the temporary storage 9. The banknote determined to be a fake ticket is put into the collection box 10 by switching the destination at the gate 8. Other banknotes with unknown denominations, banknotes with abnormal dimensions, banknotes with abnormal transport conditions such as skews and narrow banknote intervals, etc., are rejected banknotes by switching gate 7 and rejecting stacker 1 Return to 3 and return to the user. When the user cancels the deposit transaction, the banknotes are separated one by one from the temporary storage 9 and fed out to the transport path 5. The bill passes through the gate 8, the gate 7, and the determination unit 6 again, passes through the gate 4, and is returned to the hopper 2. When the user confirms the deposit transaction, the banknotes stored in the temporary storage box 9 are stored in the recycle box or the non-recycle box 18. For example, in the case of the denomination of the denomination that the first sheet is recycled and the second sheet is the denomination that is not recycled, the banknotes are separated one by one from the temporary storage 9 and fed out to the transport path 5. Passing through the gate 7, passing through the determination unit 6 again, switching the gate 4, transporting both banknotes in the direction of the recycling box, switching the transporting direction at the gate 12, and switching the first banknote into the recycling box 16. Put in. The second non-recycled banknote returns the gate 12 to the original position, passes through the gate 13, switches the gate 14, and stores the banknote in the non-recycle box 18.

  FIG. 2 is a functional block diagram of an automatic transaction apparatus and a bill handling apparatus according to an embodiment of the present invention. First, it is a host device 101 that is a host device of an automatic transaction device, transmits and receives transaction information, and may be a server. Also, there is an automatic transaction apparatus (ATM) 103 equipped with a banknote handling unit 104, and the automatic transaction apparatus 103 is a banknote handling unit 104 that controls the conveyance of banknotes, the dimensions of the banknotes, denominations, authenticity, breakage, etc. A determination unit 105 that determines a serial number and the like, determines a banknote transport destination, a determination storage unit 106 that stores image data of banknotes, a passbook handling unit 107 that handles a bankbook, and a statement slip issue unit that issues a transaction statement slip 108, a card handling unit 109 that handles magnetic stripe cards and IC cards, a user, an attendant, and a maintenance staff operate the touch panel and an operation unit 110 that displays a screen for the operation, reports from the program, card data, and bill handling device Main body storage unit 111 for storing the bill data and the like, and a control unit 102 for controlling the entire automatic transaction apparatus. Further, the determination unit 105 is connected to the control unit 102 via a line so that data in the determination storage unit 106 can be transferred to the control unit 102.

  Next, FIG. 3 is a diagram illustrating a hardware configuration of the determination unit 6 according to the embodiment of the present invention, FIG. 3A is a configuration diagram from above the determination unit 6, and FIG. 3B is a bill conveyance direction of the determination unit 6. FIG. Here, the rollers 402, 403, and 404 are rollers for transporting banknotes, and supply the driving force to the upper and lower rollers to transport the banknotes. Optical sensors 405 and 406 are reflective color optical sensors. 405 reads a color image on the upper surface of a bill and 406 reads a color image on the lower surface of the bill. Both 405 and 406 are wide enough to read the entire bill, and a plurality of color optical sensors are arranged. The optical sensor 407 is a transmissive optical sensor, and a pair of upper and lower sensors. Light is emitted from either the upper or lower sensor and received by the paired side. This also has a width that allows the entire bill to be read, and a plurality of optical sensors are arranged. In addition to this, a magnetic sensor, a thickness sensor, and a fluorescence sensor may be mounted, but the combination of sensor configurations differs depending on the banknote to be discriminated.

  FIG. 4 is a diagram illustrating a state of a burned banknote according to an embodiment of the present invention. This is not limited to scoring, and the same is true when there are stains due to small graffiti or ink. In the bill 501, the darkness and the size of the burnt color at three locations a, b, and c in the case of a bill with a large burned portion are shown. In the banknote 502, the darkness and the size of the burnt color at three locations a, b, and c when the burned portion is a small banknote are shown. It is determined whether the bill can be exchanged or cannot be exchanged depending on the darkness and size of the burnt color.

FIG. 5 is a diagram showing information stored in the discrimination storage unit when a user makes a withdrawal transaction with an automatic transaction apparatus (ATM). Here, a method for acquiring a burnt image of banknotes (or a smudge due to graffiti or ink) when a user makes a withdrawal transaction with an automatic transaction apparatus (ATM) will be described. First, when the user starts a withdrawal transaction with an automatic transaction apparatus (ATM), the discrimination storage unit 106 is set to a state in which no data is entered. After the user issues a withdrawal transaction instruction, the denominations designated from the recycle boxes 15, 16, 17, and 19 where the corresponding denominations are stored are fed one by one to the transport path 5. Every time it passes through the determination unit 6, the transmission sensor image and the reflection sensor image of the banknote are stored in the determination storage unit 106. The serial number corresponding to the stored transmission sensor image and reflection sensor image, denomination, and feature data read from each sensor are stored as bill-specific information. The stored banknote information is transferred to the control unit 102 and stored in the main body storage unit 111 together with the user information, or the banknote information is transferred to the host computer 101 and stored together with the user information. .
As described above, the banknotes that have passed through the determination unit 6 are stored in a storage, a collection box, or the like according to the determination result.

  Next, FIG. 6 is a transaction selection screen displayed on the operation unit 110 of the automatic transaction apparatus displayed to the user. This transaction selection screen displays a plurality of transaction details, and one of them is that the banknotes withdrawn by the automatic transaction device are scorched (or stained by graffiti, ink, etc.) and you want to exchange the banknotes. In this case, there is a “exchange withdrawal banknote” button that the user selects. Therefore, when the user wants to exchange the withdrawal banknote, the exchange is performed by selecting the exchange of the withdrawal banknote. In FIG. 6, the withdrawal of the banknote to be dispensed is performed, but the character to be displayed may be a character that allows the user to understand the banknote exchange.

  FIG. 7 shows a case where the banknotes withdrawn by the user with the automatic transaction apparatus are scorched (or stained with graffiti, ink, etc.), and when the banknotes are exchanged with the automatic transaction apparatus (ATM), the discrimination storage unit 106 (FIG. 7A) is a diagram showing information stored in the main body storage unit 111 (FIG. 7B). The usage of these figures will be described. When a user inserts a banknote to be exchanged into the deposit / withdrawal unit 1, the inserted banknote is separated from the hopper 2 of the deposit / withdrawal unit 1 one by one, and the conveyance path 5 is drawn out. Then, the state of the banknote denomination, authenticity, folding, etc., the serial number, and the like are determined by the determination unit 6. After the discrimination, the banknote denomination, serial number information, and user information, which are the discrimination results, are stored in the discrimination storage unit 106, and the stored banknote denomination, serial number information, and user information are stored in the main body storage device. It compares with the user information memorize | stored in 111, the money type and serial number information of the banknote preserve | saved together with it. Here, when user information, a money type, and serial number information do not correspond, a banknote is returned to the reject stacker 3 of the deposit or withdrawal port 1, and a transaction is complete | finished. When the user information, denomination, and serial number information match, the inserted banknote is put into the temporary storage box 9, transported through the transport path 5, passed through the determination unit 6, and into the non-recycling box 18 into which the banknote not to be recycled is put. Put in. Thereafter, banknotes are fed out one by one from the recycle boxes 15, 16, 17, and 19 where the corresponding denominations are stored onto the transport path 5, pass through the determination unit 6, and deposit / withdrawal if the determination result is true. It is conveyed to the hopper 2 of the mouth 1. Temporary storage of banknotes whose discrimination result is determined to be fake, other banknotes whose denominations are not known, banknotes with abnormal dimensions, banknotes with abnormal conveyance status such as skews and take-outs with two narrow stacks When the banknote is conveyed to the storage 9 and determined again by the determination unit 6 and the determination result is true, it is stored in the recycle storage 15, 16, 17, 19. Again, banknotes that have been judged to be fake, or other types of banknotes, banknotes with abnormal dimensions, banknotes with abnormal transport conditions such as skews or narrower intervals, etc. should not be recycled. It stores in the non-recycle storage 18 to put.

  Furthermore, FIG. 8 is a flowchart which shows the whole process which match | combined each process when exchanging the withdrawal banknote demonstrated using FIGS. When the user selects the withdrawal 601 for the withdrawal bill in the operation unit 110, the control unit 102 instructs the bill handling unit 104 to open the deposit / withdrawal port 1 (S801, 802). When the user inserts banknotes into the deposit / withdrawal port 1, the control unit 102 instructs the banknote handling unit 104 to supply the banknotes deposited by the user from the hopper 2 to the transport path 5, and the banknote handling unit 104. Pays out banknotes one by one from the hopper 2 to the transport path 5 (S803). Thereafter, the fed banknotes are transported to the determination unit 6 through the transport path 5, and the characteristics of the banknotes are read by various sensors by the determination unit 6 to determine the denomination, authenticity, and damaged card (S804). At the same time, the banknote unique information, such as denomination and dirt, and the serial number are stored in the discrimination storage unit 106 (S805).

  Next, the banknote on which the discrimination process has been executed in S804 has no abnormality in the conveyance state such as skew abnormality (tilt abnormality), shift abnormality, double feeding abnormality (overlapping), etc. In the case of banknotes that need to be collected, the banknotes are collected in the collection box 10 (S811, 812). In S804, when there is an abnormality in the conveyance state such as skew abnormality (tilt abnormality), shift abnormality, double feeding abnormality (overlapping), or in the case of operation such as returning bills to the user even if it is a fake ticket, In order to return the bill to the user, the control unit 102 controls the bill to be conveyed to the reject stacker 3 (S811, 813).

  If it is determined by S804 that the bill is a genuine note and the bill is to be transported to the temporary storage 9 (S806), when the withdrawal is stored in the determination storage unit 106 or the main body storage unit 111 Checking whether or not the user information and the serial number information match the serial number information acquired in the determination process of S804 and the user information currently obtained from the control unit 102. Execute (S807). Note that user information and serial number information at the time of withdrawal may be stored in the main body storage unit 111, the discrimination storage unit 106, the host computer 101, or a server.

  As a result of the collation, when the information of both does not match, the inserted banknote is conveyed to the reject stacker 3. In the present embodiment, the serial number is collated with the user information. However, if the serial number is unclear due to dirt or the like, the bill-specific information may be used. May be used in combination. For example, information obtained by pattern matching of image images may be used. Also, in the case of operation that does not require collation matching between user information and banknote image information, S807 and 808 may be skipped.

  In this way, an operation unit that prompts the user to select a transaction type, a deposit / withdrawal unit that deposits / withdraws banknotes according to the selected transaction type, and image information of banknotes to be deposited / withdrawn are acquired. A discriminating unit for discriminating the type and authenticity, and a first storage and a second storage for storing the discriminated banknote based on the discrimination result, and the degree of burning or contamination of the deposited banknote If the banknote is equal to or greater than a predetermined value, the control unit controls to take in the deposited banknote into the first storage and to dispense the banknote of the same denomination as the deposited banknote stored in the second storage. The step of prompting the user to select the transaction type, the step of prompting the user to deposit the banknote according to the selected transaction type, and acquiring the image information of the deposited banknote, And a step of discriminating between authenticity and the degree of burned-out or contaminated bills are predetermined. If it is above, the banknote of the same money type as the deposited banknote stored in the 2nd storage different from the 1st storage is stored in the 1st storage. By adopting a banknote exchange transaction method having a step of withdrawing money, it is possible to exchange burned or contaminated banknotes with an automatic machine without having to bother to go to the counter, improving convenience.

  On the other hand, if the two pieces of information match, the process proceeds to the next step. Next, it is determined whether or not it is within 24 hours of withdrawal from the automatic transaction apparatus 103 (S808), and if it is out of the period, it is conveyed to the reject stacker 3. Here, 24 hours is set, but the period can be set to 12 hours, 1 week, or the like. If it is within the above period, it is determined whether the burn of the banknote is within a predetermined size, for example, within 15 mm × 10 mm (S809), and if it is within the predetermined size, it is transported to the reject stacker 3 as minor damage. . On the other hand, when the burn of the bill is not less than a predetermined size, for example, larger than 15 mm × 10 mm, it is put in the temporary storage 9 (S810). In this embodiment, the determination condition is based on a size of 15 mm × 10 mm, but may be set freely such as 20 mm × 5 mm. Moreover, it is good also as conditions on the condition that the color of the banknote by scoring became dark 30% with respect to the brightness of the banknote currently accumulated | stacked, and you may set combining a magnitude | size and a hue. The hue ratio may be set to be 40% or 50% dark. Furthermore, the number of pixels with darker shades or more than the average brightness of banknotes may be used as a condition. Subsequently, a series of processing from S803 to S813 is performed until there is no banknote inserted by the user of the hopper 2 (S814). When the banknotes in the hopper 2 run out, the banknotes are fed one by one from the temporary storage 9 to the transport path 5 and transported and stored in the non-recycle store 18 (S815). Next, the corresponding denomination for which an exchange instruction has been issued is fed out one by one from one of the recycle boxes 15, 16, 17, 19 to the transport path 5 (S 816), passes through the determination unit 6, and is inserted into the deposit / withdrawal port 1. Into the hopper 2 (S817).

  In addition, although the said Example demonstrated exchange of the banknote withdrawn from the said automatic transaction apparatus, a collation process is performed by memorize | storing user information, a serial number, or banknote specific information in the host computer 101 or a server. If possible, you may make it handle also the banknote withdrawn from another automatic transaction apparatus. It may be linked with an automatic transaction apparatus at all branches. The order of S808 and S809 may be reversed.

  As described above, the image information of the banknote acquired by the determination unit includes a determination storage unit or a main body storage unit that stores the image information in association with the user-related information, and the control unit stores the image information of the received banknote and The information about the user, the image information of the banknote stored in the discrimination storage unit or the main body storage unit, and the information about the user are collated, and if they match as a result of the collation, they are stored in the second storage. An automatic transaction apparatus that controls to withdraw a banknote of the same denomination as a deposited banknote, a step of storing image information of a banknote to be dispensed in association with information about a user, and an image of a deposited banknote The step of collating the information related to the information and the user with the stored image information of the banknote and the information related to the user, and if the result of the collation is the same, the deposit is stored in the second storage. Same as banknotes By adopting a banknote exchange transaction method having a step of withdrawing banknotes of denomination, it is illegal to make the condition of the exchange transaction that the user who tries to exchange with the user who withdraws is the same It becomes possible to suppress the target exchange transaction.

  In addition to the above configuration, an automatic transaction system having an automatic transaction apparatus that executes a transaction according to a user's selection, and a host computer or server that communicates information relating to the transaction with the automatic transaction apparatus, By adopting a configuration in which the image information of the banknote acquired by the discriminating unit is stored in the computer or the server in association with the information related to the user, the automatic transaction apparatus that performs the exchange transaction with the dispensed automatic transaction apparatus Even if the transaction apparatus is different, exchange transaction is possible and convenience is improved.

  Furthermore, when the burned-out or contaminated degree of the deposited banknote is less than a predetermined value, the degree of burning or contamination is low and generally exchanged by adding a configuration for returning the deposited banknote to the user. It is possible to prevent exchange of bills that are not necessary.

  In addition, when the deposited banknote is a banknote withdrawn from the banknote handling device within a predetermined time, it is possible to prevent an unauthorized exchange transaction by adding a configuration that establishes the exchange transaction. Become.

  Further, the predetermined value of the degree of burnout or contamination of the banknote is preferably stored in advance in the discrimination storage unit or the main body storage unit based on the area or lightness of the burnout or contamination, and the image information of the banknote Preferably, information regarding the serial number is included.

DESCRIPTION OF SYMBOLS 1 ... Deposit / withdrawal part 2 ... Hopper 3 ... Reject stacker 4, 7, 8, 11-14 ... Gate 5 ... Transfer path 6, 105 ... Discrimination part 9 ... Temporary storage 10 ... Collection | recovery storage 15-17, 19 ... Recycle storage 18 ... Non-recycle storage 101 ... Host computer 102 ... Control unit 103 ... Automatic transaction device 104 ... Bill handling unit 106 ... Discrimination storage unit 107 ... Passbook handling unit 108 ... Statement slip issuing unit 109 ... Card handling unit 110 ... Operation unit 111 ... Main unit storage

Claims (9)

An operation unit that prompts the user to select a transaction type;
According to the selected transaction type, a deposit / withdrawal unit for depositing / withdrawing banknotes,
A discriminator for acquiring image information of banknotes to be deposited and withdrawn, and discriminating denomination and authenticity;
A first storage and a second storage for storing the determined banknote based on the determination result;
If the burned-out or contaminated degree of the deposited banknote is equal to or greater than a predetermined value, the deposited banknote is taken into the first storage and the same denomination as the deposited banknote stored in the second storage And a control unit that controls the banknotes to be withdrawn. The automatic transaction apparatus is
A discriminating storage unit or a main body storage unit that stores image information of the banknote acquired by the discriminating unit in association with information about the user,
The controller is
The image information of the deposited banknote and the information about the user are collated with the image information of the banknote stored in the discrimination storage unit or the main body storage unit and the information about the user,
2. The automatic transaction apparatus according to claim 1, wherein when the two coins match as a result of collation, control is performed so that a bill of the same denomination as the deposited bill stored in the second storage is dispensed. .   3. The automatic transaction apparatus according to claim 1, wherein the deposited banknote is returned to a user when a burned-out or contaminated degree of the deposited banknote is less than a predetermined value. The controller is
When the deposited banknote is a banknote withdrawn from the banknote handling apparatus within a predetermined time, a banknote of the same denomination as the deposited banknote stored in the second storage is withdrawn. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is controlled to perform.   The predetermined value of the degree of burnout or contamination of the banknotes is stored in advance in the discrimination storage unit or the main body storage unit based on the area or brightness of the burnout or contamination location. Automatic transaction device.   The automatic transaction apparatus according to claim 1, wherein the image information of the banknote includes information about a serial number. Prompting the user to select a transaction type;
Prompting the deposit of banknotes according to the selected transaction type;
Obtaining image information of the deposited banknote and determining the denomination and authenticity;
If the burned-out or contaminated degree of the deposited banknote is greater than or equal to a predetermined value, the deposited banknote is stored in a first storage and is stored in a second storage that is different from the first storage. And a step of withdrawing a banknote of the same denomination as the deposited banknote stored therein. The bill exchange transaction method is:
Storing image information of banknotes to be withdrawn in association with information about users;
Collating image information of the deposited banknote and information about the user with image information of the stored banknote and information about the user;
The banknote of the same denomination as the deposited banknote stored in the 2nd storage when it is in agreement as a result of collation, has a step which withdraws. Banknote exchange transaction method. An automatic transaction system comprising: an automatic transaction apparatus that executes a transaction in accordance with a user's selection; and a host computer or server that communicates information related to the automatic transaction apparatus and the transaction,
The automatic transaction apparatus is
An operation unit that prompts the user to select a transaction type;
According to the selected transaction type, a deposit / withdrawal unit for depositing / withdrawing banknotes,
A discriminator for acquiring image information of banknotes to be deposited and withdrawn, and discriminating denomination and authenticity;
A first storage and a second storage for storing the determined banknotes based on a determination result;
If the burned-out or contaminated degree of the deposited banknote is equal to or greater than a predetermined value, the deposited banknote is taken into the first storage and the same denomination as the deposited banknote stored in the second storage And a control unit that controls to withdraw the banknote of
The host computer or server is
The image information of the banknote acquired by the determination unit is stored in association with information about the user,
The controller is
The image information of the deposited banknote and the information about the user are collated with the image information of the banknote stored in the host computer or server and the information about the user,
When it matches as a result of collation, it controls so that a banknote of the same denomination as the deposited banknote stored in the 2nd storage may be withdrawn.

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