JP2016099950A - Transaction apparatus, transaction method and transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction apparatus capable of matching between a piece of transaction information included in transaction history information and an image of a ledger sheet used in a transaction.SOLUTION: A transaction apparatus 1 includes: a read-out section 3; a read-out control section 4; a transaction information control section 5; and a storage section 6. The read-out section 3 which is disposed outer plane of the transaction apparatus to read an image of a ledger sheet 7 set at a predetermined position. The read-out control unit 4 acquires the image of the ledger sheet 7 from the read-out section 3 to generate a piece of transaction information on the basis of the image of the ledger sheet 7. The transaction information control section 5 controls the storage section 6 to store a piece of transaction history information which has been transacted based on the transaction information while associating with the image of the ledger sheet from which the transaction information is detected.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction apparatus, a transaction method, and a transaction program.

  As a transaction apparatus for performing a financial transaction, an automated teller machine (ATM; Automatic Teller Machine, hereinafter referred to as ATM) used in financial institutions is known. There are also models that support automatic payment services.

  Numbers identifying transactions such as storage organization numbers are printed on forms such as payment handling slips corresponding to the automatic settlement service, and the user inputs a number identifying transactions using the operation screen or operation keys. And make a deal. Such transaction history information is stored in the storage device as journal data. Since the user entered the number for identifying the transaction by looking at the form and then brought back the form, there was no information left on the form in the ATM.

  2. Description of the Related Art Conventionally, there is known a technique in which a customer using an ATM reads an item desired to be associated with a monetary transaction as an image by an ATM scanner, and manages the transaction history information and image of the monetary transaction in association with each other.

JP 2010-282263 A

Conventionally, when a user takes a form after using an ATM and no form remains in the ATM, the transaction history information and the form cannot be checked after a transaction in a financial institution or the like.
The prior art (Patent Document 1) is unsuitable for investigating the consistency of transaction contents in financial institutions and the like because the user can freely select an image associated with a money transaction.

  In one aspect, an object of the present invention is to provide a transaction apparatus, a transaction method, and a transaction program capable of matching transaction information included in transaction history information with an image of a form used for the transaction.

  In order to achieve the above object, a transaction apparatus as shown below is provided. The transaction apparatus includes a reading unit, a reading control unit, a transaction information control unit, and a storage unit. The reading unit reads an image of a form provided on the outer surface of the transaction apparatus and set at a predetermined position. The reading control unit acquires a form image from the reading unit, and generates transaction information based on the form image. The transaction information control unit stores the transaction history information that has been traded based on the transaction information in association with the image of the form in which the transaction information is detected in the storage unit.

  According to one aspect, it is possible to provide a transaction apparatus, a transaction method, and a transaction program that can match the transaction information included in the transaction history information with the image of the form used for the transaction.

It is a figure which shows an example of a structure of the transaction apparatus of 1st Embodiment. It is a figure which shows an example of the transaction system of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of ATM of 2nd Embodiment. It is a figure which shows an example of a structure of the functional block of ATM of 2nd Embodiment. It is a figure which shows an example of the form of 2nd Embodiment. It is a figure which shows an example of the transaction history information (account withdrawal) of 2nd Embodiment. It is a figure which shows an example of the transaction history information (cash) of 2nd Embodiment. It is a figure which shows an example of the transaction selection screen of the customer operation part of 2nd Embodiment. It is a figure which shows an example of the form set instruction | indication screen of the customer operation part of 2nd Embodiment. It is a figure which shows an example of the transaction content display screen of the customer operation part of 2nd Embodiment. It is a figure which shows the flowchart of the form transaction process of 2nd Embodiment. It is a figure which shows the flowchart of the form image reading process of 2nd Embodiment. It is a figure which shows the flowchart of the form character reading process of 2nd Embodiment. It is a figure which shows the flowchart of the storage process of 2nd Embodiment.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the transaction apparatus of 1st Embodiment is demonstrated using FIG. FIG. 1 is a diagram illustrating an example of a configuration of a transaction apparatus according to the first embodiment.

  Transaction apparatus 1 includes a reading unit 3, a reading control unit 4, a transaction information control unit 5, and a storage unit 6. When a transaction using the form 7 is instructed by the user, the transaction apparatus 1 executes a transaction process based on the transaction information read from the form 7. The form 7 to be read is used, for example, in transactions for settlement of public money such as taxes and various claims, and transaction information such as a storage institution number and a user identification number is predetermined based on a predetermined standard. Printed in a predetermined format at the location.

  The reading unit 3 is provided on the outer surface of the apparatus above the operation surface, and reads a form 7 set on a placement surface provided at a predetermined position on the operation surface. The reading unit 3 includes a scanner or an electronic camera that acquires an image of the form 7 to be read. The reading unit 3 outputs the read image of the form 7 to the reading control unit 4.

The reading control unit 4 acquires a form image read by the reading unit 3, detects transaction information based on the form image, and outputs the transaction information to the transaction information control unit 5.
The transaction information control unit 5 acquires a form image and transaction information from the reading control unit 4. Transaction history information that has been traded based on the transaction information is associated with the form image and stored in the storage unit 6.

  The memory | storage part 6 is a memory | storage device which the transaction apparatus 1 has, and a portable recording medium etc. may be sufficient. The storage unit 6 stores the transaction history information and the form image in association with each other. The storage unit 6 is used when referring to transaction history information or a form image stored after the transaction.

  Thus, since the transaction apparatus 1 reads the image of a form and detects transaction information from the image, the transaction history information based on the transaction information and the image of the form from which the transaction information is extracted include the same transaction information. The content is consistent and consistent.

Moreover, since the transaction apparatus 1 reads the image of the form and detects the transaction information from the image of the form, the transaction information included in the transaction history information is not falsified and the image is not mixed.
Further, since the transaction apparatus 1 reads the form 7 by the external reading unit 3, the form 7 exists on the mounting surface outside the transaction apparatus 1 during the transaction, but the user replaces the form 7 with the user. The image cannot be altered. This is because the transaction apparatus 1 can perform the two processes of reading the image of the form 7 and detecting the transaction information all at once. The transaction apparatus 1 can also execute two processes of reading the image of the form 7 and detecting the transaction information in an extremely short time in which the user cannot replace the form 7.

  Further, since the transaction apparatus 1 stores transaction history information and a form image in which transaction information is detected in association with each other, the transaction apparatus 1 performs an after-transaction audit at a financial institution or the user has made an inquiry afterwards. In some cases, it is suitable for comparing transaction history information with a form image.

[Second Embodiment]
Next, as a second embodiment, a transaction system in which the transaction apparatus 1 is applied to ATM will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a transaction system according to the second embodiment.

  As shown in FIG. 2, a transaction system in a financial institution or the like includes a plurality of ATMs 10 (one of which is shown in FIG. 2), and each ATM 10 is connected to a host computer 300 via a network 200. .

The ATM 10 includes a reading table 12, a scanner 13, a customer operation unit 14, a card / receipt unit 15, a banknote 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 12a on which a document to be read is placed. The size of the mounting surface 12a is formed so as not to exceed the minimum size of the form determined by the standard. Accordingly, the placement surface 12a 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 placement surface 12a of the reading table 12, and reads the reading target area 12b 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 form is read by the scanner 13, and a transaction confirmation screen based on the transaction information detected from the read information is displayed 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.

  Information related to such transactions is associated with the image of the form, and stored as transaction history information (journal) in the storage unit provided in the ATM 10. The transaction history information will be described later with reference to FIGS.

  The host computer 300 is a computer that manages the ATM 10 via the network 200 and transmits / receives data to / from the ATM 10. Further, the host computer 300 receives transaction history information recorded by the ATM 10 and can display and search the transaction history information. The host computer 300 can be used for checking transaction history information in a financial institution or the like.

  As described above, the ATM 10 reads the image of the form and detects transaction information from the image. Therefore, the transaction information included in the transaction history information and the image of the form include the same transaction information and are consistent. Contents.

Moreover, since ATM10 reads the image of a form and detects transaction information from the image of the said form, the falsification of the transaction information contained in transaction history information and the mix-up of an image do not occur.
Further, since the ATM 10 reads the form with the external scanner 13, the form exists in the reading table 12 outside the ATM 10 during the transaction, but the user cannot change the form by replacing the form. This is because the ATM 10 can collectively perform two processes, a process of reading a form image and a process of detecting transaction information. Note that the ATM 10 can execute two processes, a process of reading a form image and a process of detecting transaction information, in an extremely short time in which the user cannot replace the form.

  In addition, since ATM 10 stores transaction history information and a form image in which transaction information is detected in association with each other, when performing an audit after a transaction at a financial institution or when a user makes an inquiry after the transaction, etc. Is suitable for collating transaction history information with a form image.

Next, ATM will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of the hardware configuration of the ATM according to the second embodiment.
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 can store an OS, application programs, transaction history information, and the like. The first HDD 113a and the second HDD 113b are duplexed for system protection, but may be configured by only one of them. The first HDD 113a and the second HDD 113b can be replaced with other storage devices such as an SSD (Solid State Drive).

  The external communication interface 114 is connected to the external network 200 and transmits / receives data to / from the host computer 300. The external communication interface 114 can receive a transmission request such as transaction history information from the host computer 300. The external communication interface 114 can transmit transaction history information and the like to the host computer 300.

  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. Further, the magnetic information attached to the captured card is read, and an image of the surface of the card (the surface on which the emboss is formed or the surface on which the card number is printed) is acquired.

  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.

  The portable recording medium 190 is a recording medium such as a DVD or a CD-ROM. The portable recording medium 190 can store transaction history information. By collecting the portable recording medium 190 storing the transaction history information, the transaction history information can be taken out of 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, ATM functions will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of a configuration of an ATM functional block according to the second embodiment.
In the ATM 10, the transaction processing unit 400 controls 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 execute various transactions. To do.

  The scanner 13 includes an imaging unit 131, an imaging control unit 132, a character / image recognition unit 133, and a communication unit 134, and reads a form in accordance with an instruction from the reading control unit 410. The imaging unit 131 acquires a form image. The imaging control unit 132 controls the imaging unit 131 according to the reading instruction of the reading control unit 410 input via the communication unit 134 and causes the imaging unit 131 to perform imaging processing. The character / image 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 410, receives a reading instruction from the reading control unit 410, notifies the imaging control unit 132, and reads the reading information generated by the character / image recognition unit 133. The data is transmitted to the reading control unit 410. The scanner 13 is connected to the reading control unit 410 via the communication unit 134, and the scanner 13 and the reading control unit 410 can be connected by a communication cable.

  The transaction processing unit 400 includes a reading control unit 410, a transaction control unit 420, an inter-host communication control unit 421, a display control unit 422, a key input processing unit 423, a deposit / withdrawal control unit 424, and a receipt issuance control unit. 425. The processing function of each unit is realized by the CPU 111 executing a program.

  The reading control unit 410 includes a scanner control unit 411, a reading information processing unit 412, and a communication unit 413, and controls reading of a form by the scanner 13 according to a request from the transaction control unit 420. The scanner control unit 411 outputs a form reading instruction to the scanner 13 via the communication unit 413. The read information processing unit 412 examines the read information acquired via the communication unit 413 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 420. If it is determined that the read information is not correct, the scanner control unit 411 is instructed to reread the form. The communication unit 413 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 420 includes a plurality of applications that execute various transactions performed by the ATM 10, and includes an inter-host communication control unit 421, a display control unit 422, a key input processing unit 423, a deposit / withdrawal control unit 424, and a receipt issuance control unit 425. To control the transaction specified by the user. The inter-host communication control unit 421 controls communication with the external host computer 300 through the external network 200 via the external communication interface 114 according to the transaction control unit 420. The display control unit 422 controls the display processing unit 115 and displays a screen on the display 14 a according to the transaction control unit 420. The key input processing unit 423 notifies the transaction control unit 420 of the operation information of the touch panel 14 b input via the key processing unit 116. The deposit / withdrawal control unit 424 controls the banknote processing unit 160 according to the transaction control unit 420 and deposits / withdraws banknotes associated with the transaction. The receipt issue control unit 425 issues a receipt at the end of the transaction according to the transaction control unit 420 and discharges the receipt issued via the card / receipt processing unit 150. The storage unit 426 stores data used for transactions, transaction history information, and the like according to the transaction control unit 420.

In the above configuration, the scanner 13 performs character recognition. However, the scanner 13 may perform only image acquisition and the reading control unit 410 may perform character recognition.
Next, the form will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a form according to the second embodiment.

  In the ATM 10, processing is performed on a form whose standard format is determined in advance. 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.

  The form 500 is a payment handling slip used for payment of electricity charges, and includes a payment handling slip 500a and a receipt and financial institution balance 500b. The vertical size in FIG. 5 of the form 500 and the horizontal sizes up to the payment handling form 500a and the receipt and financial institution 500b are determined in advance as the prescribed form size. The storage institution can add an expansion area in its own form on the right side of the receipt / financial institution 500b, that is, on the side opposite to the payment handling slip 500a of the receipt / financial institution 500b. Depending on the presence or absence of this extended area, the overall size of the form 500 changes.

  Transaction number information 510 describing transaction information and OCR (Optical Character Reader) information 520 consisting of a character string for reading including transaction information are printed at predetermined positions on the payment handling slip 500a. . As shown in FIG. 5, the transaction information may be described in a barcode format.

  In the transaction number information 510, “storage organization number”, “customer number”, “confirmation number”, etc. are printed as transaction information. When the user performs a payment operation with Paige (registered trademark) by manual input, the transaction information of the transaction number information 510 is referred to and a number for identifying the transaction (transaction identification number) is manually input. Depending on the storage organization, the transaction identification number exceeds 20 digits, and manual input is likely to cause an input error.

The transaction identification number may be any of the transaction information included in the transaction number information 510, or all of the transaction information included in the transaction number information 510.
In the OCR information 520, the transaction identification number of the transaction number information 510 is described as a character string in a predetermined format. In addition to the transaction identification number, the OCR character string includes a check digit for checking the read character string.

In ATM10, the OCR information 520 of such a form 500 is read, and the transaction information required for a transaction is acquired.
Next, transaction history information (journal) will be described with reference to FIG. FIG. 6 is a diagram illustrating an example of transaction history information (account withdrawal) according to the second embodiment.

  The transaction history information 600 is an example of transaction history information when a form transaction is performed by debiting an account using a card. The transaction history information 600 shows history information of one transaction (1 block / 1 unit / 1 case), and the history information of the number of transactions according to the number of transactions in the entire transaction history information held by the ATM 10. Is included.

  The transaction history information 600 is information on a history of transactions made by debiting at the ATM 10. The transaction history information 600 is information that is printed on paper and stored in the ATM 10, or stored in the portable recording medium 190, the first HDD 113a, and the second HDD 113b. Further, the transaction history information 600 of each ATM 10 may be transmitted and stored to the host computer 300 via the network 200 in response to a request from the host computer 300. Transaction history information 600 may be stored in each ATM 10 after being encrypted, or may be transmitted.

  The transaction history information 600 includes a transaction number, date / time, form number, payment method, payment amount, account number, card emboss (card image), and form image (form image).

  The transaction number is information including a transaction identification number obtained by reading the OCR information 520 of the form 500 with the scanner 13. In the transaction history information 600, “201441020-001-0122-50001123456781237102” is indicated as the transaction number. The transaction number may be information including a part of the transaction identification number.

  The date and time is information indicating the date and time when the transaction was performed. In the transaction history information 600, “October 20, 2014 9:42” is indicated as the date and time. The date and time may be recorded for the date and time related to the operation of the ATM 10. For example, the date and time of ATM 10 operation start / end, the time when the card was inserted, the time when the form was read, the time when the ATM 10 started accessing the host computer 300 for money transactions, and the ATM 10 accessed the host computer 300 for money transactions. The time of completion may be recorded in association with each other.

The form number is information for identifying the form, and may be a unique value of each form 500, or each ATM 10 may add identification information about the form.
The payment method is information indicating the type of payment method, and is information indicating either “account withdrawal” or “cash”. In the transaction history information 600, “account withdrawal” is shown as the type of payment method.

The payment amount is information indicating the amount paid in the transaction. In the transaction history information 600, “¥ 11111-” is shown as the payment amount for debiting the account.
The account number is a number for identifying the account used in the account withdrawal process. In the transaction history information 600, “056-00034567” is shown as the account number.

The card embossing (card image) is an image of the surface of the card taken in by the ATM 10 during the “account debit” process.
The form image (form image) is an image of the form 500 read by the scanner 13 when transferring the form. The form image may be an entire image of the form 500 or a partial image including the transaction number information 510 and the OCR information 520. Further, the form image may be a partial image including the barcode portion of the form 500.

  Transaction history information 600 may be configured with information other than those described above as necessary. For example, information identifying the financial institution where the ATM 10 is installed (store number), information identifying the ATM 10 (machine number), debit amount, information identifying the case at the financial institution (case identification number), card number, card valid Information such as a time limit may be added, or the information may be partially replaced.

  As described above, the transaction history information 600 is information in which the transaction information obtained by reading the form 500 with the scanner 13 and the image of the form 500 are associated with each other. The transaction history information 600 is also information in which the card image taken into the ATM 10, the transaction information read by the scanner 13, and the form 500 image are associated with each other. The transaction history information 600 is also information including history information related to the operation of the ATM 10 and an image of the form 500 read by the scanner 13. Further, the transaction history information 600 may be information including a record accessed by the ATM 10 and the host computer 300 and image information obtained by reading the form 500 with the scanner 13.

  Since the transaction history information 600 is generated by the ATM 10 by reading the image of the form 500 and detecting the transaction information from the image of the form 500, the transaction information included in the transaction history information is not falsified or mixed up.

Next, transaction history information (journal) will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of transaction history information (cash) according to the second embodiment.
The transaction history information 700 is information on a history of transactions with cash at the ATM 10. The transaction history information 700 is different from the transaction history information 600 in a portion related to a payment method, a payment amount, deposit, withdrawal, and card embossing (card image). In addition, since it is a cash transaction and does not use a card, there is no information on card embossing (card image) and an account number to be debited.

The payment method is information indicating the type of payment method. The transaction history information 700 shows an example in which “cash” is used as a payment method.
The payment amount is information indicating the amount paid in the transaction. In the transaction history information 700, “¥ 11111-” is shown as the payment amount in cash.

  The deposit indicates the amount deposited in the ATM 10 and the type and number of banknotes or money deposited. In the transaction history information 700, the deposited amount is “¥ 15000”, and the type of the deposited banknote “10,000 yen coupon” is “1” and “5,000 yen coupon” is “1”. ing.

  The withdrawal indicates the amount withdrawn from the ATM 10 and the type and number of banknotes or money withdrawn. In the transaction history information 700, the amount of money withdrawn is “¥ 3889”, the bills withdrawn are “Thousand yen” is “3”, and the money is “100” is “8” and “10”. “Yen” indicates “8 sheets” and “1 yen” indicates “9 sheets”.

  Note that the transaction history information 700 is an example of a cash transaction and the card is not used, so the card image is not captured by the ATM 10. The payment amount is information indicating the amount paid in the transaction, and is the same as in FIG.

Next, a transaction procedure using the form 500 in the ATM 10 of the second embodiment will be described using the display screens of the customer operation unit 14 shown in FIGS.
When the interpersonal sensor control 180 detects that the user has approached, the control unit 110 displays a transaction selection screen on the customer operation unit 14 and causes the user to select a transaction to be executed.

First, the transaction selection screen of the customer operation part of 2nd Embodiment is demonstrated using FIG. FIG. 8 is a diagram illustrating an example of a transaction selection screen of the customer operation unit according to the second embodiment.
The transaction selection screen 810 shown in FIG. 8 displays buttons 811 to 816 corresponding to selectable transactions. In the example of FIG. 8, buttons of deposit 811, balance inquiry 812, password change 813, withdrawal 814, passbook entry 815, and form handling 816 are displayed, and the transaction control unit 420 performs a transaction corresponding to the pressed button. .

  The transaction control unit 420 detects that the form handling 816 has been pressed via the key input processing unit 423, 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.

Next, the form set instruction screen of the customer operation unit according to the second embodiment will be described with reference to FIG. FIG. 9 is a diagram illustrating an example of a form set instruction screen of the customer operation unit according to the second embodiment.
In the form set instruction screen 820 shown in FIG. 9, a guidance screen 821 and a confirmation button 823 are displayed together with a message for instructing to set a form.

  In the guidance screen 821, the form position 822 when the form 500 to be read is set on the reading table 12 is indicated by a dotted line. The confirmation button 823 is a button that is pressed after the user who sets the form 500 confirms the position of the form 500.

  The user presses the confirmation button 823 and sets the form 500 on the reading table 12 as in the guidance screen 821. The confirmation button 823 may be pressed after the form is set.

  The transaction control unit 420 detects that the confirmation button 823 has been pressed via the key input processing unit 423, and starts the form reading process. The transaction control unit 420 outputs a reading request for the form 500 to the reading control unit 410, and the reading control unit 410 instructs the scanner 13 to read the form 500. The scanner 13 captures an image of the OCR information 520 of the form 500, performs character recognition processing, and outputs the result of character recognition to the reading control unit 410 as reading information. The reading control unit 410 detects transaction information based on the acquired reading information and outputs it to the transaction control unit 420. In the OCR information 520 of the form 500, transaction identification numbers such as “storage organization number”, “customer number”, and “confirmation number” are printed, and the reading control unit 410 detects this transaction identification number as transaction information. . The transaction control unit 420 displays a transaction content display screen on the customer operation unit 14 based on the transaction information acquired from the reading control unit 410. For example, the transaction identification number read first may be displayed on the customer operation unit 14, and after the user confirms the transaction identification number, the related information may be acquired via the host-to-host communication control unit 421. 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.

Next, the transaction selection screen of the customer operation unit according to the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating an example of a transaction selection screen of the customer operation unit according to the second embodiment.
The transaction content display screen 830 shown in FIG. 10 displays transaction information based on the transaction information read from the form 500, information acquired from the host, a cancel button 831, and a confirmation button 832. The transaction content display screen 830 may be displayed after the user confirms the transaction identification number, or may be displayed without confirming the transaction identification number.

The cancel button 831 is pressed by the user when the transaction is interrupted because the transaction content is different. When the cancel button 831 is pressed, the transaction control unit 420 interrupts the transaction process.
The confirmation button 832 is pressed by the user when approving the transaction of the transaction content. When the confirmation button 832 is pressed, the transaction control unit 420 executes a transaction with the displayed transaction content.

  As described above, the user selects the form handling 816 as the transaction selection, sets the form on the reading table 12 according to 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, regarding the transaction using the form, the processing performed by the ATM 10 will be described using the flowcharts shown in FIGS.
First, the form transaction processing of the second embodiment will be described with reference to FIG. FIG. 11 is a diagram illustrating a flowchart of the form transaction process according to the second embodiment.

  Here, processing after the user selects a form handling 816 on the transaction selection screen 810 shown in FIG. 8 will be described. When the form handling 816 is pressed, the transaction control unit 420 starts a form transaction process.

[Step S11] The transaction control unit 420 displays the form set instruction screen 820 shown in FIG. 9 on the customer operation unit 14, and instructs the user to set the form.
The user presses the confirmation button 823 with reference to the guide screen 821 of the form set instruction screen 820 to set the form 500 on the reading table 12.

  [Step S12] The transaction control unit 420 checks whether or not the user has pressed the confirmation button 823. Transaction control unit 420 proceeds to step S13 when pressing of confirmation button 823 is detected, and continues the waiting state when pressing is not detected.

  [Step S13] Since the confirmation button 823 has been pressed, the transaction control unit 420 starts a form image reading process for the form set on the reading table 12. Details of the form image reading process will be described later with reference to FIG.

[Step S14] The transaction control unit 420 starts a form character reading process for the form.
Details of the form character reading process will be described later with reference to FIG.
By the form character reading process, the transaction control unit 420 obtains transaction information based on the read information read from the form 500. The transaction information includes transaction identification numbers such as “storage organization number”, “customer number”, and “confirmation number”.

  [Step S15] The transaction control unit 420 displays the transaction identification number acquired in step S14 on the customer operation unit 14. Further, the transaction control unit 420 displays a confirmation button and a cancel button on the same screen, and prompts the user to confirm. Alternatively, the user may be prompted to remove the form 500 set on the reading table 12 for reading from the reading table 12 and receive it.

  [Step S16] The transaction control unit 420 operates the inter-host communication control unit 421 to transmit a transaction identification number to the host computer 300, and notifies that the transaction has started. At this time, information corresponding to the transaction identification number may be acquired from the host computer 300.

  [Step S17] The transaction control unit 420 confirms whether the user has approved the transaction identification number by pressing the confirmation button 832 or has not approved the transaction identification number by pressing the cancel button 831. Transaction control unit 420 proceeds to step S19 when the user approves the transaction identification number, and proceeds to step S18 when the user does not approve the transaction identification number.

[Step S18] If the user does not approve the transaction identification number, the transaction control unit 420 displays a form reset instruction on the customer operation unit 14 and returns the process to step S12.
[Step S19] When the user approves the transaction identification number, the transaction control unit 420 acquires information related to the transaction from the host via the host-to-host communication control unit 421, and displays the transaction content display screen 830 shown in FIG. Is displayed on the customer operation unit 14.

  [Step S <b> 20] The transaction control unit 420 confirms whether or not the user has pressed the confirmation button 832 on the transaction content display screen 830. When the transaction control unit 420 detects that the user has pressed the confirmation button 832, the transaction control unit 420 proceeds to step S <b> 21, and when it is not detected that the user has pressed, the transaction control unit 420 proceeds to step S <b> 22.

  [Step S21] When the user presses the confirmation button 832 on the transaction content display screen 830 and approves the transaction content, the transaction control unit 420 executes a storage process for storing the amount charged according to the transaction content. Then, the process proceeds to step S23. Details of the storage process will be described later with reference to FIG.

  [Step S <b> 22] The transaction control unit 420 confirms whether or not the user has pressed the cancel button 831 on the transaction content display screen 830. When the user presses the cancel button 831 to interrupt the transaction, the transaction control unit 420 advances the process to step S23 without performing the storage process of step S21. When the user has not pressed the cancel button 831, the transaction control unit 420 returns the process to step S <b> 20 and confirms the presence / absence of the button operation.

  [Step S23] The transaction control unit 420 displays a medium receiving 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 S24] The transaction control unit 420 transmits a transaction end to the host via the host-to-host communication control unit 421.
[Step S25] The transaction control unit 420 stores the transaction history information and the form image in the storage unit 426 in association with each other. The transaction control unit 420 may encrypt the transaction history information and store it in the storage unit 426. Further, the transaction control unit 420 may store the transaction history information and the form image in association with each other in the storage unit 426, and operate the inter-host communication control unit 421 to transmit to the host computer 300.

[Step S <b> 26] The transaction control unit 420 displays on the customer operation unit 14 a transaction end screen notifying that the transaction has ended.
In addition, the flowchart shown in FIG.11 and FIG.12, 13, 14 demonstrates the payment only with cash. The settlement means may be withdrawn by an account with a cash card or the like, but is omitted in the figure.

Next, the form image reading process of the second embodiment will be described with reference to FIG. FIG. 12 is a diagram illustrating a flowchart of the form image reading process according to the second embodiment.
The form image reading process is a process executed in step S13 of the form transaction process. The form image reading process is started when the transaction control unit 420 outputs a reading request to the reading control unit 410.

[Step S31] In the reading control unit 410, the scanner control unit 411 instructs the scanner 13 to read the form 500 on the reading table 12 via the communication unit 413.
[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 500. The acquired image data is sent to the character / image recognition unit 133. Further, the image data is sent directly to the reading control unit 410 via the communication unit 134 for management in association with the transaction history information. The character / image recognition unit 133 acquires the image data of the area including the OCR information 520, and ends.

  Note that the character / image recognition unit 133 may acquire image data of an area including the transaction number information 510 and the OCR information 520. Further, the character / image recognition unit 133 may acquire image data of an area including transaction number information 510, OCR information 520, and a barcode.

Next, the form character reading process of the second embodiment will be described with reference to FIG. FIG. 13 is a flowchart illustrating the form character reading process according to the second embodiment.
The form character reading process is a process executed in step S14 of the form transaction process. The form character reading process is a process of reading a character based on the image data acquired in step S13 of the form transaction process.

  [Step S41] The character / image recognition unit 133 performs character recognition processing on the acquired image data of the OCR information 520, and generates read information including the recognized character string. The character / image recognition unit 133 transmits the read information to the reading control unit 410 via the communication unit 134.

  [Step S <b> 42] The reading control unit 410 acquires reading information via the communication unit 413. The read information processing unit 412 inspects the read information using a check digit included in the read information.

  [Step S43] The read information processing unit 412 determines whether the result of the check digit check is OK (no problem). If the inspection result is OK, the reading information processing unit 412 advances the process to step S44. If the inspection result is not OK, the reading information processing unit 412 returns to step S41 and instructs re-reading.

  [Step S44] Since the inspection result is OK, the read information processing unit 412 determines that the read information is normal, and detects the transaction identification number from the read information. The read information processing unit 412 outputs the detected transaction identification number to the transaction control unit 420 and ends the process.

Next, the storage process of the second embodiment will be described with reference to FIG. FIG. 14 is a diagram illustrating a flowchart of storage processing according to the second embodiment.
The storage process is a process executed in step S21 of the form transaction process. Since the transaction content is approved by the user, the transaction control unit 420 performs storage processing based on the transaction content.

  [Step S51] The transaction control unit 420 instructs the deposit / withdrawal control unit 424 to accept the deposit of the charged amount. The deposit / withdrawal control unit 424 operates the banknote processing unit 160 and waits for the user to deposit the billed amount. The deposit / withdrawal control unit 424 detects that the deposit amount counted by the banknote processing unit 160 has reached the bill amount, and advances the process to step S52.

  [Step S52] The deposit / withdrawal control unit 424 notifies the transaction control unit 420 of the deposit amount counted by the banknote processing unit 160 as the deposit content. The transaction control unit 420 displays the deposit content acquired via the deposit / withdrawal control unit 424 on the customer operation unit 14 and asks the user for confirmation.

  [Step S <b> 53] The transaction control unit 420 confirms whether the user has confirmed the payment contents and 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 content is approved, the process proceeds to step S54, and if not approved, the process proceeds to step S56.

[Step S54] When the deposit is approved by the user, the transaction control unit 420 stores, in the apparatus, cash corresponding to the amount charged from the banknote in the banknote processing unit 160.
[Step S55] The transaction control unit 420 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 420 returns the change to the user and ends the process.

  [Step S56] The transaction control unit 420 repays the billed amount when the payment contents are not approved by the user. The transaction control unit 420 instructs the deposit / withdrawal control unit 424 to return the banknote in the banknote processing unit 160 to the user.

  [Step S57] The deposit / withdrawal control unit 224 waits until the user receives a notification from the banknote processing unit 160 that the withdrawal of the cash in the banknote processing unit 160 has been completed. The transaction control unit 420 that has received the notice of the completion of withdrawal by the banknote processing unit 160 via the deposit / withdrawal control unit 424 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.

  As described above, the ATM 10 reads the image of the form and detects the transaction information from the image. Therefore, the transaction history information based on the transaction information and the image of the form from which the transaction information is extracted include the same transaction information. There will be consistent content.

Moreover, since ATM10 reads the image of a form and detects transaction information from the image of the said form, the falsification of the transaction information contained in transaction history information and the mix-up of an image do not occur.
Further, since the ATM 10 reads the form with the external scanner 13, the form exists in the reading table 12 outside the ATM 10 during the transaction, but the user cannot change the form by replacing the form. This is because the ATM 10 can collectively perform two processes, a process of reading a form image and a process of detecting transaction information. Note that the ATM 10 can execute two processes, a process of reading a form image and a process of detecting transaction information, in an extremely short time in which the user cannot replace the form.

  In addition, since ATM 10 stores transaction history information and a form image in which transaction information is detected in association with each other, when performing an audit after a transaction at a financial institution or when a user makes an inquiry after the transaction, etc. Is suitable for collating transaction history information with a form image.

  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. 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).

DESCRIPTION OF SYMBOLS 1 Transaction apparatus 3 Reading part 4 Reading control part 5 Transaction information control part 6 Memory | storage part 7 Form 10 ATM
DESCRIPTION OF SYMBOLS 12 Reading stand 12a Mounting surface 12b Reading object area | region 13 Scanner 14 Customer operation part 15 Card / receipt part 16 Bill processing part 17 Numeric keypad input part 200 Network 300 Host computer

Claims (6)

A reading unit provided on the outer surface of the transaction apparatus for reading an image of a form set at a predetermined position;
A reading control unit that obtains an image of the form from the reading unit and generates transaction information based on the image of the form;
A transaction information control unit that stores in the storage unit the transaction history information that has been traded based on the transaction information and the image of the form in which the transaction information is detected;
A transaction apparatus comprising: The form has a recognition information area 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 transaction information.
The transaction apparatus according to claim 1. The transaction history information is information relating to an operation history of the transaction device.
The transaction apparatus according to claim 1. The transmission request for transmitting the transaction history information and the form image stored in the storage unit is received, and the transaction history information and the form stored in the storage unit are transmitted to a transmission source of the transmission request. Interface to send images and
A transaction apparatus according to claim 1. A transaction method in a transaction apparatus comprising a reading unit, a reading control unit, and a transaction information control unit,
The reading unit reads an image of a form provided on the outer surface of the transaction apparatus and set at a predetermined position,
The reading control unit acquires the image of the form from the reading unit, generates transaction information based on the image of the form,
The transaction information control unit associates and stores in the storage unit transaction history information that has been traded based on the transaction information and an image of the form that has detected the transaction information.
Transaction system. A transaction program in a transaction apparatus comprising a reading unit, a reading control unit, and a transaction information control unit,
The reading unit reads an image of a form provided on the outer surface of the transaction apparatus and set at a predetermined position,
The reading control unit acquires the image of the form from the reading unit, generates transaction information based on the image of the form,
The transaction information control unit associates and stores in the storage unit transaction history information that has been traded based on the transaction information and an image of the form that has detected the transaction information.
Trading program that executes processing.

Images