JP2017010456A - Transaction apparatus and transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction apparatus capable of improving the rate of operation of the transaction apparatus while preventing fraudulent transaction accompanying payment using counterfeit.SOLUTION: A transaction apparatus in an embodiment for transacting accompanying cash payment, includes: a display unit that displays a piece of transaction information; and a transaction processing section for allowing a user to perform a transaction using the display unit. The transaction processing section causes the display unit to display an alert to draw user's attention to abuse of counterfeit before carrying out the transaction.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction apparatus and a transaction system, and can be applied to, for example, a transaction apparatus and a transaction system that perform transactions involving cash deposits.

  A conventional automatic teller machine (ATM) determines whether or not the cash inserted by a user is a counterfeit ticket in a transaction to deposit cash. As a result, the user information and the counterfeit ticket itself were held inside and the transaction was stopped (Patent Document 1).

JP 2004-310594 A

  However, the technique described in Patent Document 1 focuses on obtaining evidence of the use of a counterfeit ticket by a user, and does not take into account the prior prevention of the use of a counterfeit ticket.

  In an ATM in which a counterfeit ticket is used many times, the ATM is occupied for the user who uses the counterfeit ticket, and the operating rate decreases accordingly.

  Therefore, there is a demand for a transaction apparatus and a transaction system that can improve the operating rate of the transaction apparatus while preventing unauthorized transactions involving deposit of counterfeit tickets.

  1st this invention WHEREIN: In the transaction apparatus which performs transaction with payment of cash, (1) The display part which displays transaction content and (2) The transaction process part which performs the said transaction using the said display part are provided. (3) When the transaction processing unit performs the transaction, the transaction processing unit causes the display unit to display a warning display for calling attention regarding illegal use of a counterfeit ticket.

  The second aspect of the present invention is a transaction system comprising a transaction apparatus and a monitoring device that monitors the transaction of the transaction apparatus. (1) The transaction apparatus is the transaction apparatus of the first aspect of the present invention, (2 ) The monitoring device includes an information display unit that displays forged ticket fraudulent use information related to fraudulent use of a forged ticket notified by the transaction device, and a control unit that directly controls the transaction device.

  It is possible to improve the operating rate of the transaction apparatus while preventing an illegal transaction accompanied by deposit of a counterfeit ticket.

It is an internal block diagram which shows the internal structure of the transaction apparatus of 1st Embodiment. It is a perspective view which shows the external appearance structure of ATM of 1st Embodiment. It is an internal block diagram which shows the internal structure of the banknote depositing / withdrawing part of 1st Embodiment. It is explanatory drawing which shows the structural example of the alerting screen of 1st Embodiment. It is explanatory drawing which shows the structural example of the forged ticket alerting screen of 1st Embodiment. It is the flowchart shown about the operation | movement at the time of money_receiving | payment transaction being performed by ATM (transaction processing part) which concerns on 1st Embodiment. It is the flowchart shown about the operation | movement at the time of a deposit transaction being performed by ATM (transaction processing part) which concerns on 3rd Embodiment. It is an internal block diagram which shows the internal structure of the simple monitor of 4th Embodiment. It is a sequence diagram which shows the operation | movement of the simple monitor and ATM when the use of a forged ticket is detected by ATM which concerns on 4th Embodiment. It is a sequence diagram which shows the operation | movement of the simple monitor and ATM when the use of a forged ticket is detected by ATM which concerns on 5th Embodiment. It is the flowchart shown about the operation | movement at the time of a currency exchange transaction being performed by ATM (transaction processing part) which concerns on 6th Embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment of the transaction apparatus and transaction system by this invention is described in full detail, referring drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

(A-1) Configuration of the First Embodiment FIG. 2 is a perspective view showing an external configuration of the ATM of the first embodiment. In FIG. 2, ATM1 of 1st Embodiment is the speaker 2 (2-1, 2-3), the imaging device 3, the card entrance / exit 4, the bankbook entrance / exit 5, the receipt discharge port 6, the banknote entrance / exit 7, and a coin. It has an entrance / exit 8, an operation display unit 9, a proximity sensor 10, and a cabinet 11.

  The speaker 2 (2-1, 2-3) outputs a message or the like for guiding a customer's operation as a voice.

  The imaging device 3 captures the face of a customer who uses the ATM 1. Note that the imaging device 3 may be a device that can capture a moving image or a device that captures a still image.

  The card entry / exit 4 is for a customer to insert a cash card or take out a cash card.

  The bankbook entry / exit 5 is for the customer to insert a bankbook or take out a bankbook.

  The receipt discharge port 6 is for discharging a receipt on which transaction contents are printed.

  The banknote entrance / exit 7 is for a customer to insert a banknote or take out a banknote. The banknote inlet / outlet 7 may be, for example, a bucket type having an openable / closable body. When the customer inserts the banknote, the customer inserts the banknote into the opening of the bucket, and then the ATM 1 takes in the inserted banknote with the opening / closing body closed. Moreover, when ATM1 returns a banknote, ATM1 pays out a banknote to a bucket, and an opening-closing body is open | released after that.

  The coin inlet / outlet 8 is used by the customer to insert coins or to remove coins. As the coin inlet / outlet 8, for example, a bucket type that can be opened and closed can be used. Also in this case, similarly to the banknote slot 7, when the customer inserts coins, the customer inserts coins into the opening of the bucket, and then the ATM 1 closes the opening / closing body and takes in the inserted coins. Moreover, when ATM1 returns a coin, ATM1 pays out a coin to a bucket, and an opening-and-closing body opens after that.

  The operation display unit 9 as a display unit displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a confirmation screen for transaction details, and takes in input information input by a customer. As the operation display unit 9, for example, an LCD touch panel type operation display unit can be applied. The operation display unit 9 is not limited to an LCD touch panel system in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.

  The proximity sensor 10 is a sensor that detects the approach of a person to the ATM 1.

  The cabinet 11 protects the ATM1 main body made of an iron material having a certain strength against heat and impact.

  FIG. 1 is an internal configuration diagram showing an internal configuration of the ATM according to the first embodiment. In FIG. 1, ATM 1 includes a control unit 20, a card read / write unit 30, a receipt printing unit 40, a passbook printing unit 50, a passbook issuing unit 60, a banknote deposit / withdrawal unit 70, a coin deposit / withdrawal unit 80, a voice guidance unit 90, An operation display unit 9, a proximity sensor 10, a storage unit 100, a power source 110, and a host interface 120 are included. Since the operation display unit 9 and the proximity sensor 10 in FIG. 1 have been described above, description thereof will be omitted.

  The control unit 20 has a function of controlling the operation of each unit in the ATM 1. The control unit 20 can be realized, for example, by installing the transaction program or the like of the embodiment in the program implementation configuration including a processor, a memory, and the like.

  The control unit 20 has a transaction processing unit 21. The transaction processing unit 21 performs information processing for performing transactions with customers (including processing associated with presentation of information to customers and reception of operations), control of each component in the ATM 1 associated with transaction processing, and the like.

  Under the control of the control unit 20, the card read / write unit 30 takes in a card (cash card) inserted from the customer into the card slot 4 and records the recorded data (magnetic recording data, IC chip, etc.) of the card. Read / write data) and the like.

  The receipt printing unit 40 prints the transaction content on a receipt and discharges it from the receipt discharge port 6.

  The passbook printing unit 50 prints the transaction contents on the passbook and discharges it from the passbook entrance / exit 5.

  The passbook issuing unit 60 performs a process of issuing a new passbook.

  The banknote deposit / withdrawal unit 70 performs processing for receiving and storing banknotes according to the control from the control unit 20, and withdrawal / discharge of stored banknotes. The banknote deposit / withdrawal unit 70 deposits / withdraws banknotes at the banknote slot 7.

  The coin deposit / withdrawal unit 80 performs processing for receiving and storing coins according to the control from the control unit 20, and dispensing / discharging stored coins. The coin deposit / withdrawal unit 80 deposits / withdraws coins at the coin deposit / exit 8.

  The voice guidance unit 90 performs processing for guiding a customer's operation via the speaker 2 (2-1, 2-3).

  The storage unit 100 is a storage unit that stores data such as programs and parameters necessary for the operation of the control unit 20. For example, the storage unit 100 stores data captured by the imaging device 3. As the storage unit 100, for example, a nonvolatile memory such as a hard disk drive or a flash memory can be applied.

  The power source 110 supplies the accumulated power to the ATM 1.

  The host interface 120 is a network interface for the ATM 1 to communicate with the host 200 as an external device.

  Next, the detailed structure of the banknote depositing / withdrawing unit 70 will be described with reference to FIG.

  FIG. 3 is an internal configuration diagram illustrating an internal configuration of the banknote depositing / withdrawing unit according to the first embodiment. In FIG. 3, the banknote deposit / withdrawal unit 70 includes a banknote entrance / exit 7, a banknote control unit 71, a recognition unit 72, a temporary storage unit 73, a forgetting storage 74, a forged ticket storage 75, a reject storage 76, and a banknote storage 77. (77-1 to 77-4), a shutter 78, and a conveyance path 79.

  The banknote control unit 71 is configured mainly with a processor, for example, like the control unit 20, and a process of determining a banknote transport destination by reading and executing a predetermined program from a ROM, a flash memory, or the like (not shown). And various processes such as a process for controlling the operation of each unit.

  The recognition part 72 discriminates the banknotes sent out from the banknote inlet / outlet 7 one by one. The recognition unit 72 performs, for example, authenticity determination, correctness / loss determination, bill counting processing, and the like. The recognizing unit 72 includes a serial number reading unit 72a that reads a serial number attached to the deposited banknote. And the recognition part 72 gives the serial number of the deposited banknote read by the serial number reading part 72a to the control part 20 (transaction processing part 21). Moreover, the recognition part 72 handles the banknote with the high probability of a forged ticket as a forged ticket. The specific method of the determination process performed by the recognition unit 72 is not limited, and various methods can be applied. In this embodiment, in order to simplify the description, it is determined to be a genuine note in a determination process (hereinafter also referred to as “genuine ticket determination process”) performed by the recognizing unit 72 for checking whether or not it is a genuine note. The bills that are not recognized as genuine bills are handled as “counterfeit tickets”. That is, the banknote that could not be determined to be a genuine note is included in the definition of “counterfeit ticket” because the probability of a forged ticket is high. ATM1 implement | achieves a determination part by the transaction processing part 21 and the recognition part 72. FIG. The recognition unit 72 is an example of a counting unit.

  The temporary storage unit 73 temporarily stores the banknotes for which the recognition process of the recognition unit 72 has been completed.

  The forgetting storage 74 is collected and stored when the proximity sensor 10 detects that the customer has left the ATM 1 without receiving the banknote returned from the banknote slot 7.

  The counterfeit ticket storage 75 stores bills that have been determined to be counterfeit as a result of discrimination by the recognition unit 72.

  As a result of discrimination by the recognition unit 72, the reject box 76 stores banknotes determined to be abnormal (reasons for abnormalities such as damage other than counterfeit tickets).

  The banknote storage box 77 (77-1 to 77-4) is a storage box that stores banknotes used for withdrawal and banknotes deposited in denominations.

  The shutter 78 is an opening / closing body that is provided above the banknote entry / exit 7 and that can be opened / closed by an instruction from the control unit 20.

  The conveyance path 79 conveys banknotes between the components of the banknote deposit / withdrawal unit 70, and includes, for example, a belt and rollers that convey banknotes.

  In addition, although the coin depositing / withdrawing part 80 also has the structure similar to the banknote depositing / withdrawing part 70 shown in FIG. 3, the description is abbreviate | omitted.

  Next, detailed processing of the transaction processing unit 21 will be described.

  When the transaction processing unit 21 performs a deposit transaction for depositing into an account, the transaction processing unit 21 displays a screen (hereinafter, referred to as a “warning screen”) that alerts the customer about the banknote to be deposited (display output). To do. This warning screen suppresses the use of counterfeit tickets, such as when a banknote deposited by a customer is determined to be a counterfeit ticket based on the discrimination result of the recognition unit 72, a clerk may check the banknote. The word to be displayed is displayed to alert the customer in advance.

  FIG. 4 is an example of a warning screen. In the example of FIG. 4, a statement that suppresses the use of a counterfeit ticket (the clerk may confirm the banknote) and a confirmation button (key) that accepts confirmation of display contents by the customer are shown. The timing for issuing the warning screen is not limited, but may be displayed on the operation display unit 9 at the timing before and after the shutter 78 is opened and closed, for example. In the sense of suppressing the use of counterfeit tickets for the customer, it can be said that the optimal timing for displaying this alert screen is before the opening and closing of the shutter 78 before the customer inserts the banknote. The wording on the alert screen displayed on the operation display unit 9 is not limited. For example, a wording such as “If there is a bill with the same serial number, the police will be notified” is displayed. You can do it.

  When the banknote is inserted into the banknote depositing / withdrawing unit 70 by the customer, the transaction processing unit 21 performs control to discriminate the inserted banknotes one by one by the recognition unit 72. As a result, when it is determined that the inserted banknote contains a counterfeit ticket, the transaction processing unit 21 alerts (implies) the possibility that the deposited banknote is a counterfeit ticket. A screen (hereinafter, referred to as “counterfeit ticket warning screen”) is displayed (display output).

  FIG. 5 is an example of a counterfeit ticket warning screen. In the example of FIG. 5, there is a confirmation message (key) that accepts confirmation of the display content by the customer, and a word that provokes the possibility of a counterfeit ticket (there is a possibility of a counterfeit note. An attendant will visit). . The timing of issuing the counterfeit ticket warning screen is not limited, but for example, at the timing before and after displaying all the counting results on the operation display unit 9 after all of the inserted bills have been differentiated. May be displayed on the operation display unit 9. Further, the wording of the counterfeit ticket warning screen displayed on the operation display unit 9 is not limited. For example, a wording such as “There is a possibility of a counterfeit note. good.

  The transaction processing unit 21 may perform two displays, that is, a warning screen and a counterfeit ticket warning screen at the time of deposit transaction, or may control to display only one of them.

(A-2) Operation of the First Embodiment Next, the operation of the ATM 1 of the first embodiment having the above configuration will be described.

  FIG. 6 is a flowchart illustrating an operation when a deposit transaction is performed in the ATM (transaction processing unit) according to the first embodiment.

  The transaction processing unit 21 displays a screen for displaying a greeting on the operation display unit 9 (for example, the word “I welcome you”) (S101).

  When the proximity sensor 10 detects the arrival of a customer, the transaction processing unit 21 displays an operation screen (hereinafter referred to as a “transaction selection screen”) for accepting a transaction selection using a cash card on the operation display unit 9. Display. In the following, it is assumed that the transaction processing unit 21 receives a deposit transaction from a customer on the transaction selection screen (S102).

  The transaction processing unit 21 issues an inhalation instruction to the card read / write unit 30 and waits for insertion of a card from the card entry / exit 4 (S103). At the same time, the transaction processing unit 21 causes the operation display unit 9 to display a card insertion screen waiting for card insertion.

  When a card is inserted through the card slot 4, the transaction processing unit 21 receives the card insertion notification and the read card information through the card read / write unit 30 (S104). Subsequently, the transaction processing unit 21 determines a transaction type such as own bank or other bank based on the received card information, and acquires a transaction fee related to the corresponding deposit transaction from the storage unit 100. Then, the transaction processing unit 21 displays a confirmation screen for the acquired transaction fee on the operation display unit 9. Hereinafter, it is assumed that the transaction processing unit 21 receives a confirmation (OK) from the customer on the transaction fee confirmation screen.

  The transaction processing unit 21 displays on the operation display unit 9 an operation screen (hereinafter referred to as a “password input screen”) for receiving the input of the password, and receives the input of the password from the customer (S105).

  When the transaction processing unit 21 receives an input of a personal identification number from the customer, the transaction processing unit 21 causes the operation display unit 9 to display an operation screen (hereinafter referred to as a “deposit amount input screen”) for receiving the input of the deposit amount (transaction amount). The payment amount input from the customer is accepted (S106).

  After receiving the input, the transaction processing unit 21 connects to the host 200 via the host interface 120 and confirms customer information, account information, and money amount information managed in the host 200 (S107).

  The transaction processing unit 21 gives an instruction to open the shutter 78 of the banknote depositing / withdrawing unit 70 when the confirmation is obtained with respect to the host 200 (S108). At the same time, the transaction processing unit 21 causes the operation display unit 9 to display a screen for receiving insertion (insertion) of banknotes (hereinafter referred to as “banknote insertion screen”), and receives insertion of banknotes from the customer. Below, transaction processing part 21 shall accept insertion of a bill from a customer via bill entrance port 7.

  The transaction processing unit 21 displays the above-mentioned attention calling screen on the operation display unit 9 and receives confirmation from the customer (S109).

  When the transaction processing unit 21 receives the confirmation (OK) of the alerting screen, the transaction processing unit 21 instructs the recognition unit 72 to count the received banknotes (including discrimination) (S110). At the same time, the transaction processing unit 21 displays on the operation display unit 9 a screen that informs the user that the deposited banknote is being counted (for example, a phrase such as “Currently counting, please wait for a while”). And the recognition part 72 will notify the transaction processing part 21 of the result, when the count of a deposited banknote is complete | finished.

  When the transaction processing unit 21 receives a notification of the completion of counting the deposited banknote from the recognition unit 72, the transaction processing unit 21 displays the count result on the operation display unit 9 and receives confirmation of the count result from the customer (S111).

  After receiving confirmation of the counting result by the customer, the transaction processing unit 21 determines whether a counterfeit ticket exists in the counting result (S112). As a result of the determination, the transaction processing unit 21 performs the process of the next step S113 if the inserted banknote is recognized to have a counterfeit ticket. If the counterfeit ticket does not exist, the transaction processing unit 21 performs the process of step S115 ( Normal system processing).

  When the transaction processing unit 21 detects a counterfeit ticket by the processing of step S112 described above, the transaction processing unit 21 displays the above-mentioned counterfeit ticket warning screen on the operation display unit 9 and waits for intervention from an attendant (S113). The customer can know that the inserted banknote is a counterfeit ticket by referring to the display of the counterfeit ticket warning screen. During this time, the transaction processing unit 21 may leave the inserted card taken in or may be returned to the customer. Further, the transaction processing unit 21 moves the inserted banknote from the temporary storage unit 73 to the banknote entrance / exit 7. At this time, the transaction processing unit 21 may perform control to open the closed shutter 78 so that the customer can take it out, or keep the shutter 78 closed so that the customer cannot take it out.

  When the transaction processing unit 21 confirms that the customer is not detected by the proximity sensor 10 (that is, the customer has left the ATM 1) and confirms that there is no screen operation on the operation display unit 9. Then, control is performed so that the customer's card is taken in after a lapse of a predetermined time (S114). At the same time, the transaction processing unit 21 performs control to store the counted banknotes in the counterfeit ticket storage 75 or the reject storage 76. As described above, the payment transaction including counterfeit tickets is interrupted, and ATM1 (transaction processing unit 21) starts accepting other transactions.

  Further, when it is determined in step S112 that the deposited banknote is not a forged ticket, the transaction processing unit 21 communicates with the host 200 via the host interface 120 to confirm the deposit transaction (S115).

  The transaction processing unit 21 controls the receipt printing unit 40 to print the transaction contents on the receipt and to discharge the printed receipt through the receipt discharge port 6 (S116).

  The transaction processing unit 21 controls the card read / write unit 30 to discharge the cash card from the card slot 4 (S117).

  The transaction processing unit 21 displays a screen for displaying thanks on the operation display unit 9 (for example, the word “Thank you”) and ends the deposit transaction (S118).

(A-3) Effects of First Embodiment According to this embodiment, the following effects can be achieved.

  In the case of deposit transaction, the transaction processing unit 21 displays in advance a warning screen such as an attendant confirming the banknote when there is fraud in the banknote to be deposited, so that the counterfeit banknote of the malicious customer is displayed. Use can be discouraged and fraudulent transactions can be prevented. Moreover, ATM1 can improve an operation rate by reducing that an illegal transaction is performed.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus and transaction system of this invention to ATM.

(B-1) Configuration of the Second Embodiment The configuration of the ATM 1 of the second embodiment can also be shown using FIGS. 1 to 3 as in the first embodiment.

  Below, the structure of ATM1 of 2nd Embodiment is demonstrated centering on the difference with 1st Embodiment.

  The transaction processing unit 21 according to the first embodiment prompts the customer to pay attention by displaying a warning screen or a counterfeit ticket warning screen on the operation display unit 9 at a predetermined timing of the deposit transaction. On the other hand, in addition to the above screen display, the transaction processing unit 21 according to the second embodiment also performs voice guidance to the voice guidance unit 90, thereby performing voice alert. The detailed operation of the transaction processing unit 21 of the second embodiment will be clarified in the operation section.

(B-2) Operation of Second Embodiment Next, the operation of the ATM 1 according to the second embodiment will be described.

  The operation of the ATM 1 according to the second embodiment can also be described with reference to FIG. 6 as in the first embodiment. As described above, the ATM 1 of the second embodiment is different from the first embodiment in that voice guidance is also performed in the processes of steps S109 and S113.

  In the process of step S113, the transaction processing unit 21 according to the second embodiment instructs the voice guidance unit 90 to perform voice guidance in addition to the above-described warning screen display. The voice guidance unit 90 performs voice guidance of the words displayed on the alerting screen simultaneously with the display of the alerting screen according to the instruction of the transaction processing unit 21. Note that the voice guidance unit 90 may output voice from the speaker 2 (2-1, 2-3) at a high volume in order to call attention to the customer, or in step S113 described later. The sound may be output at a lower level than usual.

  Similarly, in the process of step S113, the transaction processing unit 21 of the second embodiment instructs the voice guidance unit 90 to perform voice guidance in addition to the display of the above-described counterfeit ticket warning screen. The voice guidance unit 90 performs voice guidance of the words displayed on the counterfeit ticket warning screen simultaneously with the display of the counterfeit ticket warning screen according to the instruction of the transaction processing unit 21. Note that the voice guidance unit 90 outputs a voice from the speaker 2 (2-1, 2-3) at a high volume in order to alert the customer.

(B-3) Effects of Second Embodiment According to this embodiment, the following effects can be obtained in addition to the effects of the first embodiment.

  Since the voice guidance flows along with the display of the alert screen, the malicious customer discourages the use of the counterfeit ticket, so that the deterrence of unauthorized use of ATM1 is higher than that in the first embodiment.

  In addition, voice guidance flows along with the display of a counterfeit ticket warning screen, so even if a customer who has intentionally used a counterfeit ticket escapes from the spot, the people around him will more carefully Because of the observation, the possibility of memorizing the characteristics of the fugitive increases. That is, the possibility of acquiring evidence of unauthorized use (human evidence) is higher than that in the first embodiment.

(C) Third Embodiment Hereinafter, a third embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus and transaction system of this invention to ATM.

(C-1) Configuration of the Third Embodiment The configuration of the ATM 1 of the third embodiment can also be shown using FIGS. 1 to 3 as in the first embodiment.

  Below, the structure of ATM1 of 3rd Embodiment is demonstrated centering on the difference with 1st Embodiment.

  The transaction processing unit 21 according to the first embodiment always displays a warning screen on the operation display unit 9 at a predetermined timing of the deposit transaction to alert the customer. On the other hand, the transaction processing unit 21 according to the third embodiment does not always display a warning screen on the operation display unit 9. For example, for a deposited banknote, the banknote counted by the recognition unit 72 has a predetermined number. A warning screen is displayed only when a predetermined condition is met, such as exceeding. The detailed operation of the transaction processing unit 21 of the third embodiment will be clarified in the operation section.

(C-2) Operation of the Third Embodiment Next, the operation of the ATM 1 according to the third embodiment will be described.

  FIG. 7 is a flowchart illustrating an operation when a deposit transaction is performed in an ATM (transaction processing unit) according to the third embodiment. Below, operation | movement of ATM1 of 3rd Embodiment is demonstrated centering on the difference with 1st Embodiment.

  Since the processes in steps S201 to S208 are the same as the processes in steps S101 to S108 described above, detailed description thereof is omitted.

  The transaction processing unit 21 instructs the recognition unit 72 to count the received banknotes (including discrimination) (S209). At the same time, the transaction processing unit 21 displays on the operation display unit 9 a screen that informs the user that the deposited banknote is being counted (for example, a phrase such as “Currently counting, please wait for a while”). And the recognition part 72 will notify the transaction processing part 21 of the result, when the count of a deposited banknote is complete | finished.

  The transaction processing unit 21 determines whether or not the counting result (total number) of deposited banknotes exceeds a predetermined threshold (S210). This threshold value is not limited, and various values can be set. For example, this threshold value may be set for each denomination of banknotes (10,000 yen ticket, 5,000 yen ticket, thousand yen ticket). The threshold of 10,000 yen is used for the judgment. Moreover, the transaction processing part 21 uses each threshold value of a 5,000 yen ticket and a thousand yen ticket for determination, when a 5,000 yen ticket and a thousand yen ticket are used in addition to a 10,000 yen ticket. Further, the transaction processing unit 21 may determine whether or not the counting result of the deposited banknote exceeds a single threshold value without depending on the denomination. Furthermore, the transaction processing unit 21 may consider the amount input by the customer in the process of step S206. For example, even when the deposit amount is high, the transaction processing unit 21 may compare the count result with a predetermined threshold value. good. Moreover, when the deposit amount (or the number of deposited banknotes) is limited for some reason (law, size of the banknote storage 77, etc.), the transaction processing unit 21 considers these reasons, or What percentage of the limit value may be used as the threshold value.

  When it is determined that the number of deposited banknotes exceeds a predetermined threshold, the transaction processing unit 21 performs the process of step S211 (displays an alert screen) and determines that the number is less than the predetermined threshold. In step S212, the processing (display of the counting result) is performed. Since the process of step S211 is the same as the process of step S109, the description thereof is omitted.

  Further, the subsequent processes of steps S212 to S219 are the same as the processes of steps S111 to S118 described above, and thus detailed description thereof is omitted.

(C-3) Effects of Third Embodiment According to this embodiment, in addition to the effects of the first embodiment, the following effects can be achieved.

  Since the transaction processing unit 21 displays the alert screen only when the inserted banknote exceeds a predetermined threshold, it is possible to alert only a customer who has a high possibility of unauthorized use. In the case of using a counterfeit ticket, in most cases, a large amount of banknotes is used at a time, so the configuration of the ATM 1 of this embodiment is particularly effective in such a case. In addition, the transaction processing unit 21 does not display a warning screen for a customer with a small number of sheets handled (in other words, a normal customer with a low possibility of unauthorized use), so that the deposit transaction is efficiently performed. Can do. In addition, by not displaying the alert screen, a normal customer can make a payment transaction without receiving psychological pressure.

(D) Fourth Embodiment Hereinafter, a fourth embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus and transaction system of this invention to ATM and a simple monitor.

(D-1) Configuration of Fourth Embodiment Hereinafter, a fourth embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings.

  The structure of ATM1 of 4th Embodiment can also be shown using FIGS. 1-3 like 1st Embodiment.

  Below, the simple monitor 300 linked with ATM1 is demonstrated as a transaction system of this invention.

  FIG. 8 is an internal configuration diagram illustrating an internal configuration of the simple monitor according to the fourth embodiment. 8, the simple monitor 300 includes a control unit 310, an interface unit 320, a customer operation unit 330, a touch panel 340, an LCD display 350, a voice guidance unit 360, a storage unit 370, and a power source 380.

  The simple monitor 300 as the monitoring device displays a state (for example, transaction details) notified from the ATM 1 in real time. In addition, the simple monitor 300 directly controls the ATM 1 through the network according to instructions from a supervisor (operator).

  The control unit 310 has a function of controlling the operation of each unit in the simple monitor 300. The control unit 310 can be realized, for example, by installing the transaction program or the like of the embodiment in the program implementation configuration including a processor, a memory, and the like.

  The control unit 310 has a transaction monitoring unit 311. The transaction monitoring unit 311 performs monitoring of transactions performed by the customer via the ATM 1, control of each component in the simple monitor 300 associated with monitoring processing, and the like.

  The interface unit 320 is a network interface for communicating with the ATM 1 to be monitored.

  The customer operation unit 330 is configured with a switch, a keyboard, and the like, and receives an instruction by an operation from a supervisor.

  The touch panel 340 is linked with the LCD display 350 and receives an instruction by an operation from a supervisor.

  The LCD display 350 as an information display unit displays various information related to transactions performed at the ATM 1.

  The voice guidance unit 360 performs processing for guiding the operation of the supervisor by voice. In addition, the voice guidance unit 360 includes, for example, a speaker (not shown) as a component as a voice output device.

  The storage unit 100 is a storage unit that stores data such as programs and parameters necessary for the operation of the control unit 310. As the storage unit 100, for example, a nonvolatile memory such as a hard disk drive or a flash memory can be applied. The storage unit 100 may be built in the simple monitor 300 or may be connected to the outside.

  The power source 380 supplies the accumulated power to the simple monitor 300.

(D-2) Operation of Fourth Embodiment Next, the operation of the simple monitor 300 and ATM 1 of the fourth embodiment having the above-described configuration will be described.

  FIG. 9 is a sequence diagram showing the operation of the simple monitor and ATM when the use of a counterfeit ticket is detected at the ATM according to the fourth embodiment.

  ATM1 (transaction processing unit 21) detects the use of a counterfeit ticket by the customer in the deposit transaction (S301). For example, in the determination process of a forged ticket in step S112 of the first embodiment, the transaction processing unit 21 corresponds to a case where at least one banknote having the same serial number is found among the banknotes identified by the recognition unit 72. To do. When ATM1 (transaction processing part 21) detects use of a forged ticket, it transmits the information which concerns on an unauthorized transaction to the simple monitor 300 connected via a network. Further, the transaction processing unit 21 performs the following processing.

  The transaction processing unit 21 displays on the operation display unit 9 the above-mentioned counterfeit ticket warning screen (for example, “The forged ticket has been detected. The transaction details are confirmed at the transaction center. Please wait ") and wait for intervention from the staff (S302). At the same time, the transaction processing unit 21 displays a confirmation button on the operation display unit 9.

  When the confirmation button is pressed by the customer, the transaction processing unit 21 displays a transaction stop button for determining the cancellation of the transaction (S303).

  The transaction processing unit 21 determines whether or not the transaction stop button has been pressed by the customer (S304). When the transaction processing unit 21 determines that the transaction stop button has been pressed by the customer, the transaction processing unit 21 performs the processing of the next step S305 (medium return). When it is determined that the transaction stop button has not been pressed, the transaction processing unit 21 performs the transaction again. A determination process of pressing the stop button is performed.

  The transaction processing unit 21 instructs the card read / write unit 30 to return the inserted card after a predetermined time has elapsed. Further, the transaction processing unit 21 gives an instruction to move the inserted banknote from the temporary storage unit 73 to the banknote entrance / exit 7. Then, the transaction processing unit 21 gives an instruction to open the shutter 78 so that the customer can take it out. The predetermined time is determined in consideration of the time (for example, several minutes) during which the monitor to be monitored can confirm the contents of the transaction by the simple monitor 300.

  Next, the operation on the simple monitor 300 (transaction monitoring unit 311) side will be mainly described.

  The transaction monitoring unit 311 acquires information related to the illegal transaction from the ATM 1 through the interface unit 320 (S306). Note that the transaction monitoring unit 311 may instruct the voice guidance unit 360 to emit a warning sound in order to alert the monitor that information related to the illegal transaction has been acquired.

  The transaction monitoring unit 311 displays a screen for notifying that the ATM 1 has detected a counterfeit ticket on the LCD display 350 (S307). That is, the transaction monitoring unit 311 shifts from the normal monitoring mode to the forged ticket detection mode.

  The transaction monitoring unit 311 displays a confirmation button on the LCD display 350 (S308).

  When the confirmation button is pressed, the transaction monitoring unit 311 displays information related to the illegal transaction on the LCD display 350 (S309). During this time, the monitor confirms the information related to the illegal transaction notified from the ATM 1 and determines whether or not to force the ATM 1 to stop the transaction. Note that information related to fraudulent transactions includes, for example, image images of banknotes with duplicate serial numbers, the number of counterfeit banknotes, history information that the customer has used counterfeit banknotes in the past, and the like. Further, the transaction monitoring unit 311 displays a transaction stop button.

  The transaction monitoring unit 311 determines whether or not the transaction stop button has been pressed by the monitor (S310). If the transaction monitoring unit 311 determines that the transaction cancel button has been pressed, the transaction monitor 311 instructs the ATM 1 to forcibly cancel the transaction. Further, the transaction monitoring unit 311 stores in the storage unit 370 information related to the illegal transaction displayed on the LCD display 350 and the operation history of the monitor. On the other hand, when the transaction monitoring unit 311 determines that the transaction stop button has not been pressed, the forgery ticket detection mode is switched from the forged ticket detection mode to the normal monitoring mode after a predetermined time has elapsed (S315). The transaction monitoring unit 311 may display a mode switching button for switching to the normal monitoring mode on the LCD display 350 and switch to the normal monitoring mode by pressing the mode switching button.

  The ATM 1 that has received the instruction to forcibly cancel the transaction by the simple monitor 300 cannot perform any operation and waits for intervention from the attendant (S311).

  A banknote (counterfeit ticket) existing in the ATM 1 (for example, banknote entrance / exit 7) is confirmed by an attendant (S312).

  ATM1 (transaction processing part 21) determines whether abnormality existed as a result of a banknote being confirmed by the attendant (S313). When the abnormality is not accepted by the attendant (that is, the inserted banknote is not a forged ticket), ATM1 (transaction processing unit 21) notifies the simple monitor 300 to that effect. And the simple monitor 300 (transaction monitoring part 311) performs the process of the above-mentioned step 315 (switching to normal monitoring mode) by the notification to the effect that there was no abnormality from ATM1. Moreover, ATM1 (transaction processing part 21) continues the transaction currently performed, or starts reception of another transaction.

  On the other hand, when an abnormality is accepted by the attendant (that is, the inserted banknote is a counterfeit ticket), the ATM 1 collects the counterfeit ticket in the counterfeit ticket storage 75 and preserves the evidence. However, the counterfeit ticket may not be collected in the counterfeit ticket storage 75 but may be maintained by an attendant. The counterfeit ticket is eventually collected by a related organization (for example, the police).

(D-3) Effects of Fourth Embodiment According to this embodiment, in addition to the effects of the first embodiment, the following effects can be achieved.

  The simple monitor 300 monitors the use of counterfeit tickets in real time on the ATM 1, so that in the case of fraudulent transactions with high incidentality (for example, large numbers of forged bills), it is possible to remotely issue a transaction forcible stop instruction. it can. In addition, the simple monitor 300 prompts the customer to stop the transaction in the case of a fraudulent transaction with low incidentality. As described above, the system linked with the ATM 1 and the simple monitor 300 can efficiently suppress the use of counterfeit tickets.

(E) Fifth Embodiment Hereinafter, a fifth embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus and transaction system of this invention to ATM and a simple monitor.

(E-1) Configuration of Fifth Embodiment Hereinafter, a fifth embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings.

  The structure of ATM1 of 5th Embodiment can also be shown using FIGS. 1-3 like 1st Embodiment. Further, the configuration of the simple monitor 300 of the fifth embodiment can also be shown using FIG. 8 as in the fourth embodiment.

(E-2) Operation of Fifth Embodiment FIG. 10 is a sequence diagram showing the operation of the simple monitor and ATM when detecting the use of a counterfeit ticket at the ATM according to the fifth embodiment. Hereinafter, the operations of the ATM 1 and the simple monitor 300 according to the fourth embodiment will be described focusing on the difference from the first embodiment (step S410). Steps related to the same reference numerals as those in FIG. 9 and FIG.

  The transaction monitoring unit 311 determines whether or not the number of counterfeit tickets exceeds a predetermined threshold from information related to illegal transactions in order to determine the illegality of using counterfeit tickets (S410). In addition, the transaction monitoring unit 311 determines whether the use of a counterfeit ticket is illegal or is comprehensively illegal considering whether there is a history of using a counterfeit ticket in the past or information such as the installation location of ATM1. You may judge sex. When the transaction monitoring unit 311 determines that the predetermined threshold value is not exceeded, the transaction monitoring unit 311 performs the process of step 315 described above. On the other hand, if the transaction monitoring unit 311 determines that the predetermined threshold value is exceeded, the transaction monitoring unit 311 instructs the ATM 1 to forcibly stop the transaction, and the transaction monitoring unit 311 temporarily terminates (after that, the agent and the guard are on standby) . Moreover, the transaction monitoring part 311 may instruct | indicate collection | recovery of a forged ticket by reporting by e-mail etc. with respect to the terminal of the security company which manages ATM1. The transaction monitoring unit 311 that performs the process in step S410 is an example of a transaction cancellation determination unit.

(E-3) Effects of Fifth Embodiment According to this embodiment, in addition to the effects of the fourth embodiment, the following effects can be achieved.

  The simple monitor 300 (transaction monitoring unit 311) can automatically determine fraudulent transactions with high incidentality (a large amount of forged bills) by comparing the number of counterfeit tickets used with a predetermined threshold. became.

(F) Sixth Embodiment Hereinafter, a sixth embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus and transaction system of this invention to ATM.

(F-1) Configuration of Sixth Embodiment The configuration of the ATM 1 of the sixth embodiment can also be shown using FIGS. 1 to 3 as in the first embodiment.

  Below, the structure of ATM1 of 6th Embodiment is demonstrated centering on the difference with 1st Embodiment.

  The transaction processing unit 21 of the sixth embodiment has a function of performing a currency exchange transaction in addition to the deposit transaction. Since the processing / mechanism for discriminating the banknote of the exchange source until the actual exchange is performed is the same as that of the first embodiment, the description thereof is omitted. The timing for displaying the above-described warning screen and counterfeit ticket warning screen will be clarified in the operation section described later.

(F-2) Operation of the Sixth Embodiment Next, the operation of the ATM 1 of the sixth embodiment having the above configuration will be described.

  FIG. 11 is a flowchart illustrating an operation when a currency exchange transaction is performed in an ATM (transaction processing unit) according to the sixth embodiment.

  The transaction processing unit 21 displays a screen for displaying a greeting on the operation display unit 9 (for example, the word “I welcome you”), and receives the start of the exchange transaction from the customer (S501). Further, the transaction processing unit 21 also displays exchange rate information of the handling currency (for example, exchange rate of US dollar / yen) on the operation display unit 9.

  The transaction processing unit 21 displays a selection screen (hereinafter referred to as “exchange currency selection screen”) for accepting the selection of the exchange currency on the operation display unit 9, and accepts the selection of the exchange currency from the customer (S502).

  When the currency exchange currency is selected by the customer (for example, exchange from US dollar to yen), the transaction processing unit 21 displays precautions related to the transaction (for example, a limit amount in one transaction) (S503). At the same time, the transaction processing unit 21 displays a notice confirmation button. In the following, it is assumed that the transaction processing unit 21 has received confirmation (OK) from the customer.

  The transaction processing unit 21 displays the above-mentioned attention calling screen on the operation display unit 9 and receives confirmation from the customer (S504). A variety of words can be applied as the word displayed on the alerting screen. For example, the wording may be “I may confirm purchased banknotes (foreign currency)”.

  When the transaction processing unit 21 receives confirmation (OK) of the alerting screen, the transaction processing unit 21 issues an instruction to open the shutter 78 of the banknote depositing / dispensing unit 70 (S505). At the same time, the transaction processing unit 21 causes the operation display unit 9 to display a screen for receiving insertion of banknotes (hereinafter referred to as “banknote insertion screen”), and receives insertion of banknotes from the customer. Below, transaction processing part 21 shall accept insertion of a bill from a customer via bill entrance port 7.

  When the transaction processing unit 21 accepts the start of counting from the customer, the transaction processing unit 21 instructs the recognition unit 72 to count the received banknotes (including discrimination) (S506). At the same time, the transaction processing unit 21 displays on the operation display unit 9 a screen that informs the user that the deposited banknote is being counted (for example, a phrase such as “Currently counting, please wait for a while”). And the recognition part 72 will notify the transaction processing part 21 of the result, when the count of a deposited banknote is complete | finished.

  When receiving the notification of the completion of counting the deposited banknote from the recognition unit 72, the transaction processing unit 21 determines whether a counterfeit ticket exists in the counting result (S507). As a result of the determination, the transaction processing unit 21 performs the process of the next step S508 when the inserted bill is recognized to have a counterfeit ticket, and when the counterfeit ticket does not exist, the transaction processing unit 21 performs the process of step S510 ( Normal system processing).

  When the transaction processing unit 21 detects a counterfeit ticket by the processing in step S507 described above, the transaction processing unit 21 displays the above-mentioned counterfeit ticket warning screen on the operation display unit 9 and waits for intervention from an attendant (S508). The customer can know that the inserted banknote is a counterfeit ticket by referring to the display of the counterfeit ticket warning screen. During this time, the transaction processing unit 21 moves the inserted banknote from the temporary storage unit 73 to the banknote entrance / exit 7. At this time, the transaction processing unit 21 may leave the shutter 78 open and allow the customer to take it out, or keep the shutter closed and prevent the customer from taking it out.

  When the transaction processing unit 21 confirms that the customer is not detected by the proximity sensor 10 (that is, the customer has left the ATM 1) and confirms that there is no screen operation on the operation display unit 9. Then, control is performed to store the counted banknotes in the counterfeit ticket storage 75 or the reject storage 76 (S509). As described above, the exchange transaction mixed with counterfeit tickets is interrupted, and ATM1 (transaction processing unit 21) starts accepting other transactions.

  Further, when it is confirmed by the processing of step S507 that the deposited banknote is not a forged ticket, the transaction processing unit 21 prints the transaction content on the receipt by the receipt printing unit 40, and discharges the receipt printed by the receipt discharge port 6. Control is performed (S510).

  The transaction processing unit 21 performs control to move the banknote (for example, yen) of the exchange destination from the banknote storage 77 to the banknote entrance 7 and open the shutter 78 (S511).

  When the transaction processing unit 21 confirms that the customer has received the exchange bill, the transaction processing unit 21 displays a screen (for example, “Thank you”) on the operation display unit 9 and ends the exchange transaction. (S512).

(F-3) Effect of Sixth Embodiment According to this embodiment, the same effect as that of the first embodiment can be achieved.

(G) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

  (G-1) In each of the above-described embodiments, the transaction processing unit 21 displays a warning screen regardless of the installation location of the ATM 1. For example, the transaction processing unit 21 is installed outside an airport duty-free area or in an urban area. Only in such a case, a warning screen may be displayed.

  (G-2) In each of the above embodiments, the transaction processing unit 21 displays the alert screen regardless of whether the customer has used a counterfeit ticket in the past. For example, when the ATM 1, the host 200, an external server, etc. hold a history (black list) of customers who have used counterfeit tickets in the past, the transaction processing unit 21 determines that the customer who performs the deposit or exchange transaction is black The alert screen may be displayed only when it exists in the list.

  (G-3) In each of the above embodiments, the recognition unit 72 treats a bill that has not been determined to be a genuine note as a forged ticket in the above-described genuine note determination process. However, when the recognition unit 72 is determined to be a “genuine ticket” in the genuine note determination process and is determined to be a forged ticket in the determination process for checking whether the bill is a counterfeit ticket performed by the recognition unit 72. May be determined as a “genuine ticket” in the genuine ticket determination process and the banknote may be handled as a counterfeit ticket (because there is a suspicion of a counterfeit ticket). For example, the recognizing unit 72 checks the counterfeit ticket by comparing the serial number of the deposited banknote read by the serial number reading unit 72a with the serial number of the counterfeit ticket used in the past. When the list of serial numbers of counterfeit tickets used in the past is held in the external server, the ATM 1 accesses the external server and acquires the list. Further, even if the recognition unit 72 does not hit the list, when a plurality of banknotes having the same serial number are found in the inserted banknotes, the recognition section 72 may handle the banknotes as counterfeit tickets. .

  (G-4) In each of the above-described embodiments, the cash inserted into the ATM 1 has been described using only banknotes as an example, but the present invention is similarly applied to the case where coins are inserted into the ATM 1. Can do.

  (G-5) In the sixth embodiment, the ATM having the currency exchange function has been described as an example applied to the present invention. However, a dedicated machine (exchange machine) having only a currency exchange function can be similarly applied to the present invention.

  DESCRIPTION OF SYMBOLS 1 ... ATM, 2 (2-1, 2-3) ... Speaker, 3 ... Imaging device, 4 ... Card entry / exit, 5 ... Passbook entry / exit, 6 ... Receipt discharge opening, 7 ... Bill entry / exit, 8 ... Coin insertion Exit: 9 ... Operation display unit, 10 ... Proximity sensor, 11 ... Cabinet, 20, 310 ... Control unit, 21 ... Transaction processing unit, 30 ... Card read / write unit, 40 ... Receipt printing unit, 50 ... Passbook printing unit, 60 ... Bankbook issuing unit, 70 ... Banknote deposit / withdrawal unit, 71 ... Banknote control unit, 72 ... Recognition unit, 73 ... Temporary holding unit, 74 ... Forgetting storage, 75 ... Fake ticket storage, 76 ... Rejection storage, 77 (77-1 to 77-4) ... bill storage, 78 ... shutter, 80 ... coin deposit / withdrawal unit, 90 ... coin deposit / withdrawal unit, 80 ... coin deposit / withdrawal unit, 80 ... coin deposit / withdrawal unit, 90, 360 ... Voice guidance unit, 100, 370, storage unit, 110, 380, power source, 120 Upper interface, 200 ... host, 300 ... simple monitor, 320 ... interface, 330 ... customer operation unit, 340 ... touch panel, 350 ... LCD display.

Claims (9)

In a transaction device that conducts transactions involving cash deposits,
A display for displaying transaction details;
A transaction processing unit that performs the transaction using the display unit,
The transaction processing unit, when performing the transaction, causes the display unit to display a warning display for calling attention regarding illegal use of counterfeit tickets. A determination unit for determining whether a forged ticket is included in one or more of the deposited cash;
When the transaction processing unit determines that the counterfeit ticket is included in one or more of the cash deposited by the determination unit, the counterfeit ticket usage alert display that urges unauthorized use of the counterfeit ticket on the display unit The transaction apparatus according to claim 1, wherein: Provide a voice guidance unit that supports the transaction by voice,
When the transaction processing unit displays the alert display or the counterfeit ticket use alert display on the display unit,
The transaction apparatus according to claim 1, wherein the voice guidance unit simultaneously outputs voice guidance according to the content displayed on the display unit. A counting unit for counting one or a plurality of cash deposited;
The said transaction processing part displays the said alert display only, when it is judged that the number of the cash counted by the said counting part exceeds a predetermined threshold value. The transaction device described in 1.   The transaction apparatus according to claim 1, wherein the transaction is a deposit transaction or a currency exchange transaction. In a transaction system comprising a transaction device and a monitoring device that monitors the transaction of the transaction device,
The transaction apparatus is a transaction apparatus according to any one of claims 1 to 5,
The said monitoring apparatus is provided with the information display part which displays the forged ticket unauthorized use information regarding the unauthorized use of the forged ticket notified by the said transaction apparatus, and the control part which controls the said transaction apparatus directly. The transaction system characterized by the above-mentioned.   The said control part is provided with the transaction stop determination part which determines whether according to the said forged ticket unauthorized use information, whether or not to perform a forced transaction stop instruction with respect to the said transaction device. Trading system.   The said transaction cancellation determination part determines that the said transaction cancellation instruction | indication is performed, when the use number of the forged ticket contained in the said forged ticket unauthorized use information exceeds a predetermined threshold value. The trading system described in.   The transaction system according to claim 6, wherein the control unit directly controls the transaction device in accordance with an operation of an operator.

Images