JP2016048486A - Transaction device and transaction method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve operation ability of transaction using a document.SOLUTION: A transaction device 1 comprises: a reading table 2 comprising a mount face on which a document is mounted; and a reading part 3 disposed on the mount face, and reading a document set on the mount face, on a device external face. A transaction control part 4 receives an instruction of transaction using the document from a user, and performs a reading request to a reading control part 5. The reading control part 5 instructs the reading part 3 to read the document set on the reading table 2 according to the reading request, and detects transaction information based on reading information read by the reading part 3. The reading control part 5 outputs the transaction information to the transaction control part 4, and the transaction control part 4 performs transaction based on the transaction information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction apparatus for performing a financial transaction and a transaction method thereof.

  An automated teller machine (ATM) is known as a transaction apparatus for performing financial transactions, and in recent years, it corresponds to an automatic settlement service for forms represented by Paige (registered trademark). There are also models.

  A transaction number such as a storage institution number is printed on a form such as a payment handling slip corresponding to such an automatic settlement service, and a user inputs such a transaction number using an operation screen or an operation key. To do business. However, since it is necessary for the user to input a multi-digit transaction number, it is not easy for the user to use, such as an increase in operation time and an input error. Moreover, the processing time per person becomes long, and there is a possibility that the operating rate of the ATM is lowered. For this reason, some ATMs introduced in recent years include models that automatically take a form into a device, scan it, and perform transaction processing based on the read transaction content.

  There is also proposed an ATM including a scanner or an electronic camera that provides a set position for setting a form on the customer operation display surface and reads the form from above with the set position as a reading range (for example, Patent Document 1). reference).

JP 2005-184361 A

However, in ATMs that automatically scan a form by taking it into the apparatus, the form handling mechanism for handling the form is complicated and expensive, and its spread has not progressed.
In addition, a mechanism for scanning a form taken in the apparatus is required, and the enlargement of the apparatus is unavoidable and is not easy to apply. In particular, in a compact ATM that has been installed in stores other than stations and financial institutions in recent years, it is difficult to secure a holding area for a take-up form handling mechanism because the size of the device is limited. In addition, when such a form handling mechanism is added to existing large ATMs installed in various places, a large-scale remodeling work is required. The fact that installation locations and installation opportunities are limited in this way also contributes to the lack of popularity.

  In addition, the forms corresponding to the automatic settlement service have standardized the size and character / barcode printing position by related organizations, but there are expansion areas that can be added by the storage institution, and the overall size of the form is It may not be constant. Therefore, if the size of the form is larger than the form insertion port of the form handling mechanism, there is also a problem that the form cannot be taken into the apparatus and the user must manually enter the transaction number.

  Similarly, an ATM that sets a form on the customer operation display surface may not fit on the customer operation display surface depending on the size of the form. Further, since the form is set, the operability may be deteriorated such that the customer operation surface cannot be used or the use range becomes narrow. Furthermore, it cannot be applied to a type in which customer operation screens are arranged in the vertical direction, which has been increasing in recent years in compact ATMs.

  In one aspect, the present invention is to improve the operability of transactions using a form.

  In order to achieve the above object, a transaction apparatus as shown below is provided. The transaction apparatus is provided on the outer surface of the apparatus and includes a reading table having a mounting surface on which the form is placed, and a reading unit that is provided on the outer surface of the apparatus above the mounting surface and reads the form set on the mounting surface. In response to a read request input from a transaction control unit that performs a transaction based on transaction information, the reading unit is instructed to read the form set on the reading table, and the transaction is performed based on the read information read by the reading unit. A reading control unit that detects information and outputs the transaction information to the transaction control unit.

  According to one aspect, the transaction apparatus includes a reading table and a reading unit provided on the outer surface of the apparatus, reads a form set on the reading table, detects transaction information, and performs transaction processing. The user does not need to manually input transaction information, and the operability of transactions using forms is improved.

It is the block diagram which showed the structure of the transaction apparatus of 1st Embodiment. It is the figure which showed schematic structure of ATM of 2nd Embodiment. It is a block diagram which shows the hardware constitutions of ATM. It is a functional block diagram of ATM. It is the figure which showed an example of the form. It is the figure which showed the positional relationship of a form, a reading stand, and a scanner. It is an example of the transaction selection screen of a customer operation part. It is an example of the form set instruction | indication screen of a customer operation part. It is an example of the transaction content display screen of a customer operation part. It is the flowchart which showed the procedure of the form transaction processing of ATM. It is the flowchart which showed the procedure of the form reading process. It is the flowchart which showed the procedure of the storage process.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[First Embodiment]
FIG. 1 is a block diagram showing the configuration of the transaction apparatus according to the first embodiment.

  The transaction apparatus 1 has a reading table 2, a reading unit 3, a transaction control unit 4, and a reading control unit 5. When a transaction using a form is instructed by a user, the reading is read from the form. Perform transaction processing based on the transaction information. The form to be read is, for example, used for transactions such as public money such as taxes and various claims, and based on a predetermined standard, transaction information such as a storage organization number and a user identification number is stored at a predetermined position. Are printed in a predetermined format.

The reading table 2 is provided on the outer surface of the apparatus and includes a placement surface on which a form is placed.
The reading unit 3 is provided on the outer surface of the apparatus above the mounting surface of the reading table 2, and reads a form set on the mounting surface of the reading table 2. The reading unit 3 includes a scanner or an electronic camera that acquires an image of a form to be read.

  The transaction control unit 4 controls various transaction processes in accordance with user instructions. When the user instructs a transaction using a form, the transaction is performed based on the transaction information described in the form. At this time, a form reading request is output to the reading control unit 5, and transaction information is acquired from the reading control unit 5.

  The reading control unit 5 controls the reading unit 3 in response to the reading request input from the transaction control unit 4. The reading unit 3 is instructed to read the form set on the reading table 2, and the reading unit 3 acquires read information obtained by reading the form. Transaction information is detected based on the read information, and the transaction information is output to the transaction control unit 4.

A case where a transaction using a form is performed by such a transaction apparatus 1 will be described.
The user instructs the transaction apparatus 1 to perform a transaction using a form, and sets the form to be read on the placement surface of the reading table 2. The form may be set after receiving an instruction from the transaction apparatus 1.

  In transaction apparatus 1, transaction control unit 4 starts transaction processing using a form in accordance with a user instruction. The transaction control unit 4 instructs the user to set the form on the reading table 2 as necessary, and outputs the form reading request to the reading control unit 5 after the form is set. The reading control unit 5 that has input the reading request instructs the reading unit 3 to read the form set on the mounting surface of the reading table 2. The reading unit 3 outputs the read information obtained by reading the image of the target area of the form to the reading control unit 5. The read information is, for example, character information obtained by character recognition of the target area of the form. Note that image information may be acquired as read information, and character recognition may be performed by the read control unit 5. Based on the read information acquired from the reading unit 3, the reading control unit 5 detects transaction information from the character-recognized character string and outputs the transaction information to the transaction control unit 4. Transaction control unit 4 performs transaction processing based on the input transaction information.

  In this way, when the user instructs the transaction apparatus 1 to perform a transaction using a form and sets the target form on the reading table 2, the transaction information described in the form is automatically read by the transaction apparatus 1. Transaction processing is performed. For this reason, the user can make a transaction using a form without performing troublesome operation input.

The form can be read as long as the area to be read of the form is set on the placement surface of the reading table 2, and even a large form having an extended area can be read.
Further, since the reading table 2 and the reading unit 3 are provided on the outer surface of the transaction apparatus 1, a complicated mechanism for taking in and discharging the form is not necessary, and it is necessary to secure a space for accommodating the form handling mechanism inside the apparatus. Absent. This makes it possible to read the form without increasing the size of the transaction apparatus 1.

[Second Embodiment]
Next, the case where the transaction apparatus 1 is applied to ATM as 2nd Embodiment is demonstrated. Taxes and other public funds and various settlements can be electronically settled like account debits, but are often settled in cash using forms. However, it is difficult to use a financial institution's window, for example, because there are restrictions on the time of use and there are limited places where the window can be found. On the other hand, ATMs are used for a long time and are installed in places other than financial institutions such as stations and stores, and can be used easily. There is a movement in financial institutions to guide business to ATMs through rationalization. For this reason, it is required that transactions using forms can be easily performed in ATMs.

  First, a configuration example of the ATM according to the second embodiment will be described. FIG. 2 is a diagram showing a schematic configuration of the ATM according to the second embodiment. The configuration illustrated in FIG. 2 is an example, and the arrangement and configuration of each unit are arbitrary.

The ATM 10 shown in FIG. 2 includes a reading table 12, a scanner 13, a customer operation unit 14, a card / receipt unit 15, a bill processing unit 16, and a numeric keypad input unit 17.
The reading table 12 is provided on the outer surface of the apparatus and has a placement surface on which a document to be read is placed. The size of the placement surface is formed so as not to exceed the minimum size of the form determined by the standard. Therefore, the placement surface is equal to or smaller than the minimum size of the form. The scanner 13 is provided on the outer surface of the apparatus above the mounting surface of the reading table 12, and reads the reading target area of the form. The scanner 13 is an embodiment of the reading unit 3 of the first embodiment.

  The customer operation unit 14 includes a display and a touch panel, and performs transaction operation guidance and instruction reception. The card / receipt unit 15 inserts and discharges a card in a transaction using a card such as a cash card or a credit card. In addition, the receipt issued at the end of the transaction is discharged. The banknote processing unit 16 processes the delivery of banknotes during deposit and withdrawal transactions. The numeric keypad input unit 17 includes keys for inputting numbers and the like, and accepts user instructions in cooperation with the touch panel of the customer operation unit 14.

  An operation when the user pays using a form will be described. The user operates the customer operation unit 14 or the numeric keypad input unit 17 to instruct a transaction using a form. Next, the form is set on the reading table 12 in accordance with the guidance displayed on the customer operation unit 14. In the ATM 10, the scanner 13 reads the form, and displays a transaction content confirmation screen based on the transaction information detected from the read information on the customer operation unit 14. The user confirms the transaction contents at the customer operation unit 14 and, when performing the transaction, inserts cash into the banknote processing unit 16 or inserts a cash card or the like into the card / receipt unit 15 to perform payment processing. . After payment is completed, a receipt is output from the card / receipt unit 15. If a card was used for the transaction, the card will be returned along with the receipt. The user receives these and completes the transaction.

  As described above, the ATM 10 automatically reads the form and detects the transaction information, so that the user does not need to perform troublesome operations such as inputting the transaction information by operating the key, and can prevent an input error. As a result, the operability for the user is improved and the operating rate of the ATM 10 can be increased.

Next, the hardware configuration and operation of the ATM 10 will be described.
FIG. 3 is a block diagram showing the hardware configuration of the ATM.
The ATM 10 includes a control unit 110, a display 14a, a touch panel 14b, a scanner 13, a card / receipt processing unit 150, a banknote processing unit 160, a numeric keypad 170, and an interpersonal sensor control 180.

  The controller 110 includes a central processing unit (CPU) 111, a random access memory (RAM) 112, a first hard disk drive (HDD) 113a, a second HDD 113b, an external communication interface 114, a display processing unit 115, a key processing unit 116, and an I / O. An O (Input / Output) control unit 117 is provided, and each is connected via a bus 118. The control unit 110 is also an example of a computer.

  The CPU 111 controls the overall operation of the ATM 10. The RAM 112 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the CPU 111. The RAM 112 stores various data necessary for processing by the CPU 111.

  The first HDD 113a and the second HDD 113b store the OS and application programs. The first HDD 113a and the second HDD 113b are duplexed for system protection, but may be configured by only one of them.

The external communication interface 114 is connected to the external network 120 and transmits / receives data to / from the host computer.
A display 14 a is connected to the display processing unit 115. The display 14a constitutes the customer operation unit 14 together with the touch panel 14b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 14a under the control of the CPU 111.

  A touch panel 14b is connected to the key processing unit 116. The touch panel 14b is formed in the upper layer of the display 14a. The key processing unit 116 detects the position on the screen where the user's finger touches or approaches the touch panel 14b, and notifies the CPU 111 of it.

  The I / O control unit 117 is connected to the scanner 13, the card / receipt processing unit 150, the banknote processing unit 160, the numeric keypad 170, and the personal sensor control 180. Under the control of the CPU 111, the I / O control unit 117 notifies each connected unit of an instruction from the CPU 111 and sends information acquired from each unit to the CPU 111 via the bus 118.

  The scanner 13 is provided on the outer surface of the apparatus, acquires an image of a form set on the reading table 12 on the outer surface of the apparatus under the control of the CPU 111, performs character recognition, and outputs the result of character recognition as read information. Thus, reading by the scanner 13 is performed outside the apparatus.

  The card / receipt processing unit 150 is provided in the card / receipt unit 15 and controls card taking-in and discharging, and receipt discharging. The banknote processing unit 160 is provided in the banknote processing unit 16 and controls banknote deposit / withdrawal and door opening / closing in accordance with instructions from the CPU 111. The numeric keypad 170 is provided in the numeric keypad input unit 17 and outputs information on the numeric keypad pressed by the user. The interpersonal sensor control 180 controls an interpersonal sensor that detects the approach of a person, and detects that a user has approached the ATM 10.

  With the hardware configuration as described above, the processing functions of the present embodiment can be realized. In addition, said structure is an example and the combination of the structure part of ATM10 is determined suitably. Of the above configuration, unnecessary ones may be deleted, for example, a biometric authentication unit using palm veins or finger veins, a non-contact IC unit corresponding to a non-contact IC, a coin processing unit, or the like may be added. .

Next, processing functions for realizing transaction processing will be described.
FIG. 4 is a functional block diagram of ATM.
In the ATM 100, the transaction processing unit 200 executes various transactions by controlling the scanner 13, the external communication interface 114, the display processing unit 115, the key processing unit 116, the banknote processing unit 160, and the card / receipt processing unit 150. To do.

  The scanner 13 includes an imaging unit 131, an imaging control unit 132, a character recognition unit 133, and a communication unit 134, and reads a form in accordance with an instruction from the reading control unit 210. The imaging unit 131 acquires a form image. The imaging control unit 132 controls the imaging unit 131 in accordance with the reading instruction of the reading control unit 210 input via the communication unit 134 and causes the imaging unit 131 to perform imaging processing. The character recognition unit 133 performs character recognition on the image acquired by the imaging unit 131 and generates read information including a character string that has been character-recognized. The communication unit 134 controls communication with the reading control unit 210, receives a reading instruction from the reading control unit 210, notifies the imaging control unit 132, and reads the reading information generated by the character recognition unit 133. To the unit 210. The scanner 13 is connected to the reading control unit 210 via the communication unit 134, and the scanner 13 and the reading control unit 210 can be connected by a communication cable.

  The transaction processing unit 200 includes a reading control unit 210, a transaction control unit 220, an inter-host communication control unit 221, a display control unit 222, a key input processing unit 223, a deposit / withdrawal control unit 224, and a receipt issuance control unit. 225. The processing function of each unit is realized by the CPU 111 executing a program.

  The reading control unit 210 includes a scanner control unit 211, a reading information processing unit 212, and a communication unit 213, and controls reading of a form by the scanner 13 in accordance with a request from the transaction control unit 220. The scanner control unit 211 outputs a form reading instruction to the scanner 13 via the communication unit 213. The read information processing unit 212 checks the read information acquired via the communication unit 213 and detects transaction information from the read information determined to be correct. For example, when a check digit is included in a character string printed on a form, it is determined whether or not the read information is correctly read by the check digit. Further, it may be checked whether or not a character set in advance in a predetermined position of the character string has been read correctly. When it is determined that the read information is correct, the transaction information included in the read information is detected, and the detected transaction information is output to the transaction control unit 220. When it is determined that the read information is not correct, the scanner control unit 211 is instructed to reread the form. The communication unit 213 controls communication with the scanner 13, transmits a form reading instruction to the scanner 13, and receives reading information from the scanner 13.

  The transaction control unit 220 includes a plurality of applications that execute various transactions performed by the ATM 10, and includes an inter-host communication control unit 221, a display control unit 222, a key input processing unit 223, a deposit / withdrawal control unit 224, and a receipt issuance control unit 225. To control the transaction specified by the user. The inter-host communication control unit 221 controls communication with an external host via the external communication interface 114 according to the transaction control unit 220. The display control unit 222 controls the display processing unit 115 and displays a screen on the display 14 a according to the transaction control unit 220. The key input processing unit 223 notifies the transaction control unit 220 of operation information of the touch panel 14b input via the key processing unit 116. The deposit / withdrawal control unit 224 controls the banknote processing unit 160 in accordance with the transaction control unit 220, and deposits / withdraws banknotes associated with the transaction. The receipt issuance control unit 225 issues a receipt at the end of the transaction according to the transaction control unit 220 and discharges the receipt issued via the card / receipt processing unit 150.

In the above configuration, the scanner 13 performs character recognition. However, the scanner 13 may perform only image acquisition and the reading control unit 210 may perform character recognition.
Next, a form to be read will be described.

  In the ATM 100, a form whose standard format is determined in advance is processed as a reading target. As the standard format, for example, a size of at least one direction of the form, a position where transaction information to be read is described, a description format of the transaction information, and the like are determined. Hereinafter, as an example, a case will be described in which a form conforming to the standard format of Paige (registered trademark) is to be read.

FIG. 5 is a diagram showing an example of a form. A form 300 shown in FIG. 5 is an example of a payment handling form image compliant with the standard form specification of Paige (registered trademark).
The form 300 is a payment handling slip used for payment of electricity charges, and includes a payment handling slip 300a and a receipt and financial institution certificate 300b. The vertical size of the form 300 in FIG. 5 and the horizontal size of the payment handling form 300a and the receipt and financial institution 300b are determined in advance as the prescribed form size. The storage institution can add an expansion area in a unique format on the right side of the receipt / financial institution 300b, that is, on the side opposite to the payment handling slip 300a of the receipt / financial institution 300b. The overall size of the form 300 changes depending on the presence or absence of this extended area.

  Transaction number information 310 describing transaction information and OCR (Optical Character Reader) information 320 including a character string for reading including transaction information are printed at predetermined positions on the payment handling slip 300a. . As shown in FIG. 5, the transaction information may be described in a barcode format.

  In the transaction number information 310, the transaction information is printed as a transaction number including a “storage organization number”, “customer number”, and “confirmation number”. When a user performs a payment operation with Paige (registered trademark) by manual input, the user refers to the transaction number information 310 and manually inputs the transaction number. Depending on the storage organization, the transaction number exceeds 20 digits, and it is easy to make an input error by manual input.

  In the OCR information 320, the transaction number of the transaction number information 310 is described as a character string in a predetermined format. In addition to the transaction number, the OCR character string includes a check digit for checking the read character string.

In ATM10, the OCR information 320 of such a form 300 is read, and the transaction information required for a transaction is acquired.
Next, the positional relationship between the form 300, the reading table 12, and the scanner 13 will be described. FIG. 6 is a diagram showing a positional relationship among the form, the reading table, and the scanner. FIG. 6 is a side view of the ATM 10 viewed from the side, and a reading table top view of the reading table 12 viewed from the scanner 13 direction. In the top view of the reading table in the dotted line, the form 300 is indicated by a solid line, and the placement surface of the reading table 12 is indicated by an alternate long and short dash line. The upper side of the reading table top view is the side in contact with the apparatus.

  The ATM 10 includes a scanner 13 and a reading table 12 on a surface on which each part used by a user for operation is arranged. The scanner 13 is installed above the reading table 12 so that the form 300 on the mounting surface of the reading table 12 can be read.

  As shown in the dotted line, the mounting surface of the reading table 12 is formed in a size that does not exceed the minimum size of the form 300 defined by the standard. In the case of the form 300, the minimum size is a specified form size composed of only the payment handling form 300a and the receipt and financial institution 300b. The mounting surface of the reading table 12 shown in FIG. 6 is formed slightly smaller than the form 300. By configuring the reading table 12 as described above, even when the form 300 has an extended area, the scanner 13 can read the payment handling sheet 300a if the payment handling sheet 300a is set on the reading table 12. Further, the form 300 set on the reading table 12 is not stable on the reading table 12 unless the user touches it. Since the user touches the form 300 at the time of reading, forgetting to take out the form 300 can be prevented.

  At the time of reading the form 300, the ATM 10 instructs the user to set the form 300 so that the payment handling form 300a on which the OCR information 320 is written is positioned on the mounting surface of the reading table 12. put out.

  By the way, as shown in FIG. 6, the reading table 12 and the scanner 13 are arranged outside the apparatus, and need not be incorporated in the apparatus. In addition, as described with reference to FIG. 4, the scanner 13 and the reading control unit 210 inside the apparatus are only connected by a communication cable. Therefore, it is easy not only to arrange the reading table 12 and the scanner 13 in the new apparatus, but also to add the reading table 12 and the scanner 13 to the existing apparatus. That is, if the existing apparatus has a vacant space about the size of the specified form, the reading table 12 and the scanner 13 can be attached to the outer surface of the apparatus with an attachment member such as a screw. For example, if the mounting unit for the reading table 12 and the scanner 13 is prepared on a panel that can be replaced with a panel that covers the periphery of the customer operation unit 14 and the numeric keypad input unit 17, the reading table 12 and the scanner 13 can be replaced by a panel replacement operation. Can be added. In the ATM 10, a general-purpose USB (Universal Serial Bus) port or the like is often prepared in advance as an I / O port connected to the control unit 110 in the apparatus for additional functions or maintenance. If the communication cable corresponds to this, the control unit 110 and the scanner 13 can be connected. On the other hand, related applications such as the reading control unit 210 and the transaction control unit 220 can be added by updating the application program. As described above, the reading table 12 and the scanner 13 that realize the form reading function, and related applications such as the reading control unit 210 and the transaction control unit 220 can be incorporated into an existing ATM with a simple operation. Existing ATMs are widespread and are located at various locations. According to the present invention, a form reading function can be easily added to an existing ATM, which can contribute to the spread of ATMs having a form reading function.

Next, the transaction procedure using the form 300 in ATM10 is demonstrated using the display screen of the customer operation part 14 shown to FIGS.
When the transaction control unit 220 detects that the user has approached by the interpersonal sensor control 180, the transaction control unit 220 displays a transaction selection screen on the customer operation unit 14 and causes the user to select a transaction to be executed.

FIG. 7 is an example of a transaction selection screen of the customer operation unit.
The transaction selection screen 410 shown in FIG. 7 displays buttons 411 to 416 corresponding to selectable transactions. In the example of FIG. 7, the buttons of deposit 411, balance inquiry 412, PIN change 413, withdrawal 414, passbook entry 415, and form handling 416 are displayed, and the transaction control unit 220 performs a transaction corresponding to the pressed button. .

  The transaction control unit 220 detects that the form handling 416 has been pressed via the key input processing unit 223, and starts the form transaction process. In the form transaction process, a form set instruction screen for prompting the user to set a form is displayed on the customer operation unit 14.

FIG. 8 is an example of a form set instruction screen of the customer operation unit.
The form set instruction screen 420 shown in FIG. 8 displays a guide screen 421 and a confirmation button 423 together with a message for instructing to set a form.

  In the guidance screen 421, the form position 422 when the form 300 to be read is set on the reading table 12 is indicated by a dotted line. The confirmation button 423 is a button that is pressed after the user who sets the form 300 confirms the position of the form 300.

  The user presses the confirmation button 423 and sets the form 300 on the reading table 12 like the guidance screen 421. The confirmation button 423 may be pressed after the form is set.

  The transaction control unit 220 detects that the confirmation button 423 has been pressed via the key input processing unit 223, and starts the form reading process. The transaction control unit 220 outputs a reading request for the form 300 to the reading control unit 210, and the reading control unit 210 instructs the scanner 13 to read the form 300. The scanner 13 captures an image of the OCR information 320 of the form 300, performs character recognition processing, and outputs the result of character recognition to the reading control unit 210 as reading information. The reading control unit 210 detects transaction information based on the acquired reading information and outputs the transaction information to the reading control unit 210. In the OCR information 320 of the form 300, transaction numbers such as “storage organization number”, “customer number”, and “confirmation number” are printed, and the reading control unit 210 detects this transaction number as transaction information. The reading control unit 210 displays a transaction content display screen on the customer operation unit 14 based on the transaction information. For example, the transaction number read first may be displayed on the customer operation unit 14, and after the user confirms the transaction number, the related information may be acquired via the host-to-host communication control unit 221. When displaying the storage organization name corresponding to the “storage organization number” or the customer name corresponding to the “customer number” on the customer operation unit 14, the host is inquired and the information is acquired.

FIG. 9 is an example of a transaction content display screen of the customer operation unit.
The transaction content display screen 430 shown in FIG. 9 displays transaction content based on the transaction information read from the form 300, information acquired from the host, a cancel button 431, and a confirmation button 432. The transaction content display screen 430 may be displayed after the user confirms the transaction number, or may be displayed without confirming the transaction number.

The cancel button 431 is pressed by the user when the transaction is interrupted because the transaction content is different. When the cancel button 431 is pressed, the transaction control unit 220 interrupts the transaction process.
The confirmation button 432 is pressed by the user when approving the transaction content. When the confirmation button 432 is pressed, the transaction control unit 220 executes a transaction with the displayed transaction content.

  As described above, the user selects the form handling 416 as the transaction selection, sets the form on the reading table 12 in accordance with the guidance displayed on the customer operation unit 14, and uses the form without performing troublesome key input. Transactions can be made at ATM10.

Next, processing performed by the ATM 10 regarding transactions using a form will be described using a flowchart.
FIG. 10 is a flowchart showing a procedure of ATM form transaction processing.

  Here, processing after the user selects the form handling 416 on the transaction selection screen 410 shown in FIG. 7 will be described. When the form handling 416 is pressed, the transaction control unit 220 starts a form transaction process.

[Step S01] The transaction control unit 220 displays the form set instruction screen 420 shown in FIG. 8 on the customer operation unit 14, and instructs the user to set the form.
The user refers to the guide screen 421 on the form set instruction screen 420 and presses the confirmation button 423 to set the form 300 on the reading table 12.

  [Step S02] The transaction control unit 220 checks whether or not the user has pressed the confirmation button 423. Transaction control unit 220 advances the process to step S03 when pressing of confirmation button 423 is detected, and continues the waiting state when pressing is not detected.

  [Step S03] Since the confirmation button 423 is pressed, the transaction control unit 220 starts a form reading process for the form set on the reading table 12. Details of the form reading process will be described later. By the form reading process, the transaction control unit 220 obtains transaction information based on the read information read from the form 300. The transaction information includes transaction numbers of “storage organization number”, “customer number”, and “confirmation number”.

  [Step S04] The transaction control unit 220 displays the transaction number acquired in step S03 on the customer operation unit 14. Further, the transaction control unit 220 displays a confirmation button and a cancel button on the same screen, and prompts the user for confirmation. Further, the form 300 set on the reading table 12 for reading may be removed from the reading table 12 and prompted to receive it.

  [Step S05] The transaction control unit 220 operates the inter-host communication control unit 221 to transmit the transaction number to the host, and notifies that the transaction has started. At this time, information corresponding to the transaction number may be acquired from the host.

  [Step S06] The transaction control unit 220 confirms whether the user has approved the transaction number by pressing the confirmation button, or has not approved the transaction number by pressing the cancel button. The transaction control unit 220 advances the process to step S08 when the user approves the transaction number, and advances the process to step S07 when the user does not approve the transaction number.

[Step S07] When the user does not approve the transaction number, the transaction control unit 220 displays a form reset instruction on the customer operation unit 14 and returns the process to step S02.
[Step S08] When the user approves the transaction number, the transaction control unit 220 acquires information related to the transaction from the host via the host-to-host communication control unit 221, and displays the transaction content display screen 430 shown in FIG. Displayed on the customer operation unit 14.

  [Step S09] The transaction control unit 220 confirms whether or not the user has pressed the confirmation button 432 on the transaction content display screen 430. When the transaction control unit 220 detects that the user has pressed the confirmation button 432, the transaction control unit 220 proceeds the process to step S <b> 10.

  [Step S10] When the user presses the confirmation button 432 on the transaction content display screen 430 and approves the transaction content, the transaction control unit 220 executes a storage process for storing the billing amount along the transaction content. Then, the process proceeds to step S12. Details of the storage process will be described later.

  [Step S11] The transaction control unit 220 confirms whether or not the user has pressed the cancel button 431 on the transaction content display screen 430. When the user presses the cancel button 431 to interrupt the transaction, the transaction control unit 220 advances the process to step S12 without performing the storage process in step S10. When the user has not pressed the cancel button 431, the transaction control unit 220 returns the process to step S09 and confirms the presence / absence of the button operation.

  [Step S12] The transaction control unit 220 displays a medium reception screen on the customer operation unit 14 in order to end the form transaction process because the storage process is completed or interrupted. The medium receiving screen is a screen that prompts the user to receive a receipt medium.

[Step S13] The transaction control unit 220 transmits a transaction end to the host via the inter-host communication control unit 221.
[Step S14] The transaction control unit 220 displays a transaction end screen on the customer operation unit 14 to notify that the transaction has ended.

  In addition, the flowchart shown in FIG.10 and FIG.11,12 demonstrates the payment only with cash. The settlement means may be withdrawn with a cash card or the like, but is omitted in the figure.

Next, the form reading process in step S03 will be described. The form reading process starts when the transaction control unit 22 outputs a reading request to the reading control unit 210.
FIG. 11 is a flowchart showing the procedure of the form reading process.

[Step S31] In the reading control unit 210, the scanner control unit 211 instructs the scanner 13 to read the form 300 on the reading table 12 via the communication unit 213.
[Step S32] The scanner 13 acquires a reading instruction via the communication unit 134. The imaging control unit 132 operates the imaging unit 131 to acquire an image of the form 300. The acquired image data is sent to the character recognition unit 133, and the character recognition unit 133 cuts out the image data of the OCR information 320 to be read.

  [Step S33] The character recognition unit 133 performs character recognition processing on the image data of the cut-out OCR information 320, and generates read information including the recognized character string. The character recognition unit 133 transmits the reading information to the reading control unit 210 via the communication unit 134.

  [Step S <b> 34] The reading control unit 210 acquires reading information via the communication unit 213. The read information processing unit 212 inspects the read information using a check digit included in the read information.

  [Step S35] The read information processing unit 212 determines whether or not the result of the check digit inspection is OK. If the inspection result is OK, the reading information processing unit 212 advances the process to step S36. If the inspection result is not OK, the reading information processing unit 212 returns to step S31 and instructs re-reading.

  [Step S36] Since the inspection result is OK, the read information processing unit 212 determines that the read information is normal, and detects the transaction number from the read information. The read information processing unit 212 outputs the detected transaction number to the transaction control unit 220 and ends the process.

Next, the storage process in step S10 will be described.
FIG. 12 is a flowchart showing the procedure of the storage process.
Since the transaction content is approved by the user, the transaction control unit 220 performs storage processing based on the transaction content.

  [Step S101] The transaction control unit 220 instructs the deposit / withdrawal control unit 224 to accept the deposit of the billed amount. The deposit / withdrawal control unit 224 operates the banknote processing unit 160 and waits for the user to deposit the billed amount. The deposit / withdrawal control unit 224 detects that the deposit amount counted by the banknote processing unit 160 has reached the bill amount, and advances the processing to step S102.

  [Step S102] The deposit / withdrawal control unit 224 notifies the transaction control unit 220 of the deposit amount counted by the banknote processing unit 160 as the deposit content. The transaction control unit 220 displays the deposit contents acquired via the deposit / withdrawal control unit 224 on the customer operation unit 14 and asks the user for confirmation.

  [Step S103] The transaction control unit 220 checks whether or not the user has confirmed the payment contents and has approved the displayed payment contents. For example, a confirmation button is prepared on the screen for displaying the payment details, and it is determined whether or not the approval is made based on whether or not the confirmation button is pressed. If the deposit contents are approved, the process proceeds to step S104. If not approved, the process proceeds to step S106.

[Step S104] When the user approves the deposit contents, the transaction control unit 220 stores cash corresponding to the billed amount from the banknotes in the banknote processing unit 160 in the apparatus.
[Step S <b> 105] The transaction control unit 220 instructs the receipt issuance control unit 225 to issue a receipt representing transaction details, and discharges the receipt from the card / receipt processing unit 150. Further, if there is a change at this time, the transaction control unit 220 returns the change to the user and ends the process.

  [Step S106] The transaction control unit 220 repays the billed amount when the payment content is not approved by the user. The transaction control unit 220 instructs the deposit / withdrawal control unit 224 to return the banknote in the banknote processing unit 160 to the user.

  [Step S <b> 107] The deposit / withdrawal control unit 224 waits until receiving a notification from the banknote processing unit 160 that the user has completed withdrawal of the cash in the banknote processing unit 160. The transaction control unit 220 that has received the cash withdrawal completion notification by the banknote processing unit 160 via the deposit / withdrawal control unit 224 ends the transaction.

  By executing the above-described processing procedure in each part of the ATM 10, it is not necessary for the user to manually input transaction information in a transaction using a form. This improves operability and reduces the burden on the user.

  The above processing functions can be realized by a computer. In that case, a program describing the processing content of the function that the transaction apparatus should have is provided. By executing the program on a computer, the above processing functions are realized on the computer. The program describing the processing contents can be recorded on a computer-readable recording medium. Examples of the computer-readable recording medium include a magnetic storage device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Examples of the magnetic storage device include a hard disk device HDD, a flexible disk (FD), and a magnetic tape. Optical discs include DVD, DVD-RAM, CD-ROM / RW, and the like. Magneto-optical recording media include MO (Magneto-Optical disk).

  When distributing the program, for example, a portable recording medium such as a DVD or a CD-ROM in which the program is recorded is sold. It is also possible to store the program in a storage device of a server computer and transfer the program from the server computer to another computer via a network.

  The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. Then, the computer reads the program from its own storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing according to the program. In addition, each time a program is transferred from a server computer connected via a network, the computer can sequentially execute processing according to the received program.

  In addition, at least a part of the above processing functions can be realized by an electronic circuit such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), or a PLD (Programmable Logic Device).

  Note that the present invention is not limited to the above-described embodiment as it is, and can be embodied by modifying the constituent elements without departing from the scope of the invention in the implementation stage. Moreover, various inventions can be formed by appropriately combining a plurality of constituent elements disclosed in the embodiment. For example, all the constituent elements shown in the embodiments may be appropriately combined. Furthermore, constituent elements over different embodiments may be appropriately combined. Various modifications and applications are possible without departing from the spirit of the invention.

DESCRIPTION OF SYMBOLS 1 Transaction apparatus 2 Reading stand 3 Reading part 4 Transaction control part 5 Reading control part 10 ATM
DESCRIPTION OF SYMBOLS 12 Reading stand 13 Scanner 14 Customer operation part 15 Card / receipt part 16 Banknote processing part 17 Numeric keypad input part 131 Imaging part 132 Imaging control part 134 Communication part 200 Transaction processing part 210 Reading control part 211 Scanner control part 212 Reading information processing part 213 Communication unit 220 Transaction control unit 221 Inter-host communication control unit 222 Display control unit 223 Key input processing unit 224 Deposit / withdrawal control unit 225 Receipt issue control unit

Claims (6)

A reading table provided on the outer surface of the apparatus and provided with a placement surface on which a form is placed;
A reading unit that is provided on the outer surface of the apparatus above the placement surface and reads the form set on the placement surface;
In response to a reading request input from a transaction control unit that performs a transaction based on transaction information, the reading unit is instructed to read the form set on the reading table, and the reading information read by the reading unit A reading control unit that detects the transaction information based on the output and outputs the transaction information to the transaction control unit;
A transaction device. The form has a recognition information area consisting of a character string including the transaction information at a position determined based on a predetermined standard,
The reading unit detects the recognition information area based on the standard, performs character recognition to detect characters in the recognition information area, and generates the reading information.
The transaction apparatus according to claim 1. The recognition information area includes a check digit in the character string,
The reading control unit inspects the reading information with the check digit, and when the reading information is determined to be incorrect based on the inspection result, instructs the reading unit to read again.
The transaction apparatus according to claim 2. When the transaction control unit inputs a transaction request using the form, the transaction control unit displays an operation guide displaying a state in which the form is set on the reading table on a display screen for notifying a user of an operation instruction. Instructing the user to set,
The transaction apparatus according to any one of claims 1 to 3. The placement surface of the reading table is formed in a size not exceeding the minimum size of the form defined by the standard.
The transaction apparatus according to any one of claims 1 to 4. In a transaction method of a transaction apparatus that performs financial transactions,
The transaction apparatus is provided on an outer surface of the apparatus, and includes a reading table having a mounting surface for mounting a form, and an outer surface of the apparatus above the mounting surface, and the form set on the mounting surface. A reading unit for reading,
The transaction control unit detects that a form to be read is set on the reading table and outputs a reading request to the reading control unit.
In response to the reading request, the reading control unit instructs the reading unit to read the form, detects transaction information based on the reading information read by the reading unit, and controls the transaction information as the transaction control. Output to
The transaction control unit performs a transaction based on the transaction information.
Transaction method of transaction apparatus.

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