JP2023080988A - Automatic transaction device - Google Patents

Abstract

To improve convenience and reduce a time required to complete a deposit by eliminating the need for customers to redo an operation from the beginning in input transactions that have been forcibly cancelled in the past.SOLUTION: An automatic transaction device according to the present invention includes: a deposit unit that accepts cash; a discrimination unit that discriminates the cash deposited in the deposit unit; a detection unit that detects the presence or absence of an operator; and a control unit that controls a deposit transaction. The control unit determines that the cash fed into the deposit unit is to be returned according to results of the discrimination by the discrimination unit, and stops the deposit transaction when the detection unit detects the absence of the operator.SELECTED DRAWING: Figure 1

Description

The present invention relates to an automatic teller machine, and can be applied, for example, to an automatic teller machine such as an ATM (Auto Teller Machine) installed in a store of a financial institution, a station, an airport, or the like.

For example, an automatic transaction device such as an ATM suspends transactions for the safety of transactions, for example, when it detects a change of customers in the event of a failure.

For example, the automatic transaction device described in Patent Document 1 is disclosed to stop withdrawal transactions when a failure occurs during withdrawal processing and it is detected that the customer is absent. there is

JP 2010-72950 A

The automatic transaction device described in Patent Document 1 is for when a failure occurs during a withdrawal transaction, but when a deposit rejection occurs, the deposit transaction is also canceled for the safety of the transaction. can be considered.

However, in that case, when the customer wishes to continue the deposit operation, the deposit transaction has already been completed, so the deposit operation needs to be restarted from the beginning, which is inconvenient for the customer. In addition, since the deposit operation is redone from the beginning, the transaction takes a long time and the waiting time of other customers increases.

Therefore, in view of the above-mentioned issues, customers do not need to restart the deposit operation from the beginning in the forcibly interrupted deposit transaction, which improves convenience and shortens the time it takes to complete the deposit. There is a demand for an automatic transaction device that can

In order to solve this problem, the automatic transaction device according to the present invention includes (1) a deposit unit that accepts cash, (2) a discrimination unit that discriminates cash that has been put into the deposit unit, and (3) an operator and (4) a control unit for controlling deposit transactions, wherein the control unit determines to return the cash deposited in the deposit unit according to the discrimination result of the discrimination unit. Further, the deposit transaction is stopped when the detection unit detects the absence of the operator.

According to the present invention, the customer does not need to redo the deposit operation from the beginning while ensuring the safety of the transaction, thereby improving convenience and shortening the time required to complete the deposit.

It is a flowchart which shows the process of deposit transaction in the automatic transaction apparatus which concerns on 1st Embodiment. It is an appearance perspective view of an automatic transaction device concerning a 1st embodiment. It is a block diagram which shows the internal structure of the automatic transaction apparatus which concerns on 1st Embodiment. It is a block diagram which shows schematic structure of the banknote handling mechanism of the banknote depositing/withdrawing part in the automatic transaction apparatus which concerns on 1st Embodiment. It is an external appearance perspective view of the automatic transaction apparatus which concerns on 2nd Embodiment. It is a block diagram which shows the internal structure of the automatic transaction apparatus which concerns on 2nd Embodiment. It is a flowchart which shows the process of deposit transaction in the automatic transaction apparatus which concerns on 2nd Embodiment. It is a flowchart which shows the processing of the deposit transaction in the automatic transaction device according to the modified embodiment.

(A) 1st Embodiment Below, 1st Embodiment of the automatic transaction apparatus which concerns on this invention is described in detail, referring drawings.

In the first embodiment, after inserting and removing a card with an IC chip (for example, a cash card, credit card, debit card, etc.) from the card slot, operations such as input of a personal identification number and selection of a transaction type are accepted. A case of application to an ATM equipped with a DIP (dip) type card reader will be exemplified. The present invention can also be applied to an ATM equipped with a SWIPE card reader that accepts operations such as input of a personal identification number after sliding a card equipped with a magnetic stripe.

(A-1) Configuration of First Embodiment (A-1-1) Appearance Configuration of Automatic Transaction Apparatus FIG. 2 is an external perspective view of the automatic transaction apparatus according to the first embodiment.

In FIG. 2, the external configuration of the automatic transaction device 10 according to the first embodiment includes a housing 11, a bankbook entry/exit 12, a card entry/exit 13, a statement slip exit 14, a banknote entry/exit 15, a coin entry/exit 16, It has an operation display unit 17 and a human sensor 19 .

The automated teller machine 10 is installed, for example, in facilities such as financial institution stores, convenience stores, retail stores, stations, and airports, and performs transactions such as deposits, withdrawals, and transfers.

The automatic transaction machine 10 reads card information from the IC chip of the IC chip-equipped card inserted into the card inlet/outlet 13, and after the customer removes the card, the automatic transaction machine 10 displays an operation screen on the operation display unit 17. Then, it accepts the input of the PIN number and the type of transaction, and acquires information on the transaction details according to the type of transaction. Then, the automated teller machine 10 performs electronic message communication with a host server (not shown) through the line NT to process the transaction.

The human sensor 19 detects a person (customer, operator) in front of the automated teller machine 10 . The installation position of the human sensor 19 is not particularly limited as long as it is a position where a person using the automated teller machine 10 can be detected. Further, the present invention is not limited to a single human sensor 19, and a plurality of human sensors 19 may be provided. When any human sensor 19 detects an ON signal, it is assumed that a person is present. may

The card entrance/exit 13 is a card entrance/exit of a DIP type card reader, into which a customer inserts and removes a card used for transactions.

The passbook inlet/outlet 12 accepts insertion of a passbook from a customer and returns (discharges) the passbook to the customer. The statement slip discharge port 14 discharges a statement slip on which information on transactions is printed on paper.

The banknote inlet/outlet 15 receives banknotes related to transactions from customers and discharges banknotes related to transactions to customers. In addition, in this embodiment, the bill input port and the bill discharge port are physically the same, but the bill input port and the bill discharge port may be physically different.

The coin inlet/outlet 16 receives coins for transactions from customers and discharges coins for transactions to customers. In this embodiment, the case where the coin slot and the coin outlet are physically the same is exemplified, but the coin slot and the coin outlet may be physically different.

The operation display unit 17 displays a transaction operation screen and receives operation information from a customer. For example, a display having a touch panel function can be used. Here, the case where the operation display unit 17 is a touch panel display is exemplified, but it is not limited to this, and for example, physical buttons or a separately provided display (auxiliary display unit, etc.) may be provided. . Moreover, the operation display unit 17 may apply a non-contact operation display unit.

(A-1-2) Internal Configuration of Automatic Transaction Apparatus FIG. 3 is a configuration diagram showing the internal configuration of the automatic transaction apparatus 10 according to the first embodiment. 3, the automatic transaction device 10 includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a statement slip processing unit 4, a banknote depositing/dispensing unit 5, a coin depositing/dispensing unit 6, a storage unit 7, a communication unit 8, It has a human sensor 19 .

In addition, the internal configuration of the automated teller machine 10 is not limited to the elements illustrated in FIG. For example, the automated teller machine 10 may include a sensor that senses the contact of the customer's hand on the operation display unit 17, for example, in order to detect the presence of the customer. In addition, for example, the automated teller machine 10 is equipped with an imaging unit (for example, a camera, etc.) for capturing fingerprints, iris, face, etc. for biometric authentication such as fingerprint, iris, face authentication, etc., and is capable of biometric authentication processing. may Moreover, the automatic transaction apparatus 10 may be provided with an optical character recognition means (OCR: Optical Character Recognition) for reading an image of one side of a document and performing transaction processing, for example. Further, the automatic transaction device 10 may be provided with code reading means for reading a two-dimensional code such as a QR code (registered trademark).

The control unit 1 is a processing unit or device that controls various functions of the automated teller machine 10 . The control unit 1 has, for example, a CPU, a ROM, a RAM, an EEPROM, an input/output interface, etc., and the control unit 1 executes a processing program (for example, an information processing program, a transaction program, etc.), so that the automatic transaction device 10 Various functions in are realized.

The control unit 1 includes components such as a passbook processing unit 2, a card processing unit 3, a statement slip processing unit 4, a banknote depositing/dispensing unit 5, a coin depositing/dispensing unit 6, a storage unit 7, a communication unit 8, and a motion sensor 19. It is connected and exchanges data with each component. The control unit 1 performs processing according to the transaction using data obtained from each component.

The control unit 1 has a transaction processing unit 101 that performs automatic transaction processing, and a display control unit 102 that controls a display screen displayed on the operation display unit 17 .

The transaction processing unit 101 performs predetermined transactions such as withdrawal transactions of cash (banknotes and coins), deposit transactions of cash into a customer's account, transfer transactions such as bank transfer and cash transfer from the customer's account to a designated account, and balance inquiries. Perform transaction processing.

The display control unit 102 displays on the operation display unit 17 a display screen according to the transaction procedure according to the type of transaction performed by the transaction processing unit 101, and sequentially according to the information input from the operation display unit 17. Display the display screen.

The storage unit 7 stores processing programs related to transactions, data necessary for processing by the control unit 1, and information related to transactions obtained by the processing of the control unit 1.

The human sensor 19 serving as a detection unit outputs a detection signal (ON signal) to the control unit 1 when it detects the presence of a person in front of the automated teller machine 10, and when it does not detect the presence of a person, it outputs a non-human sensor. A detection signal (for example, an OFF signal) is output to the control unit 1 . As the human sensor 19, various types of sensors can be applied as long as they can detect a person (user) present in front of the automated teller machine 10. For example, an infrared sensor, a proximity sensor, etc. can be applied. can be done.

The communication unit 8 exchanges information including transaction messages with a host server (not shown) via the line NT. Communication control (communication protocol) via the line NT is not particularly limited, and Internet protocol (IP) or the like can be applied.

The passbook processing unit 2 reads passbook information from a recording medium (for example, a magnetic stripe) attached to the passbook inserted from the passbook inlet/outlet 12 and gives it to the control unit 1, or enters the bookkeeping information related to the transaction into the passbook. and discharge it to the passbook entrance/exit 12.

The card processing unit 3 is a DIP type card reader, and when a card is inserted from the card slot 13, the card information is read from the IC chip mounted on the card and given to the control unit 1. FIG.

The statement slip processing unit 4 ejects a statement slip having transaction information printed on a medium (for example, paper or the like) from the statement slip outlet 14 . The statement slip processing unit 4 prints information such as transaction date, transaction type, transaction amount, and balance on the statement slip, for example.

The banknote deposit/withdrawal unit 5 performs authentication and counting processing of banknotes inserted from the banknote inlet/outlet 15 during a deposit transaction, and conveys the banknotes to cassettes by denomination. Further, the banknote deposit/withdrawal unit 5 draws out the banknotes to be paid out from the denomination-specific cassettes and discharges them from the banknote inlet/outlet 15 at the time of payment transaction.

The coin depositing/dispensing unit 6 performs authentication and counting processing of coins input from the coin depositing/receiving port 16 at the time of deposit transaction, and conveys the coins to cassettes according to denominations. In addition, the coin receiving/dispensing unit 6 draws out coins to be dispensed from denomination-specific cassettes and discharges them from the coin inlet/outlet 16 during the withdrawal process.

(A-1-3) Banknote Handling Mechanism of Banknote Receipt/Payment Unit 5 in Automatic Transaction Device 10 FIG. It is a configuration diagram shown.

4, the banknote transport mechanism of the automated teller machine 10 has a banknote inlet/outlet 15, a recognition unit 21, a temporary holding unit 25, a plurality of (four in FIG. 1) denomination cassettes 23a to 23d, and a transport unit 22.

The banknote inlet/outlet 15 is a mechanism for accepting banknotes inserted by customers and discharging banknotes to be paid to customers. The banknote inlet/outlet 15 has separating means (for example, a separating roller mechanism) that separates the inserted banknotes one by one and delivers them to the transport unit 22 . The banknote inlet/outlet 15 also has stacking means for stacking the banknotes from the transport unit 22 .

The transport unit 22 is a part that transports banknotes between components of the banknote transport mechanism. The transport unit 22 has a plurality of transport rollers 50 and operates the transport rollers 50 to transport bills according to instructions from the control unit 1 . For example, the transport rollers 50 are arranged at positions facing each other across the transport path of the transport unit 22, and move the transport path by rotating to transport bills. The transport unit 22 not only transports banknotes in one direction from one component to another component, but can also transport banknotes bidirectionally between components as necessary.

Further, the transport unit 22 has a switching blade arranged at its branch point, and the switching blade switches the transport destination of the banknote. Further, the transport unit 22 has transport sensors arranged at suitable intervals. The transport sensor senses the transport state of bills. For example, it outputs a detection signal (ON signal) when the presence of bills is detected, and outputs a non-detection signal (OFF signal) when the presence of bills is not detected. Output.

The recognition unit 21 performs discrimination, counting processing, serial number identification processing, and the like of bills conveyed by the conveying unit 22 . The recognition unit 21 has, for example, an optical sensor including a camera, a magnetic sensor, and the like, and recognizes optical information and magnetic information of passing banknotes. The recognition unit 21 performs authenticity determination of bills (determination of genuine bills, counterfeit bills, etc.), fitness determination (determination of damaged bills, damaged bills, damaged bills, deformed bills, folded bills, etc., or fit bills), money It holds information about criteria such as species determination. The recognition unit 21 holds information about the determination criteria for each determination type. The recognition unit 21 determines whether or not the passing banknote should be rejected by using the information on the determination criteria and the sensing data of the passing banknote. The recognition unit 21 notifies the control unit 1 of the determination result indicating whether or not the banknote should be rejected.

The temporary holding unit 25 is a part that temporarily accumulates banknotes via the transport unit 22 and holds the banknotes. Various structures can be applied to the structure of the temporary storage unit 25 . For example, the temporary holding unit 25 can apply a tape system in which bills are wound around a drum together with a tape and stored. In addition, when the temporary holding unit 25 feeds out bills, the temporary holding unit 25 rotates the drum and the reel for winding the tape in the direction opposite to when storing the bills, thereby pulling the bills together with the tape from the peripheral surface of the drum. It is peeled off and handed over to the conveying section 22.例文帳に追加

The denomination cassettes 23a to 23d are medium storage boxes for storing banknotes by denomination. The denomination-specific cassettes 23a to 23d can be recycling type recycling cassettes that store the deposited banknotes at the time of deposit and then dispense the already stored banknotes at the time of withdrawal. For example, each of the denomination cassettes 23a to 23d has a stage (not shown) which can be moved up and down, and has a mechanism for stacking banknotes on this stage. The denomination cassettes 23 a to 23 d also have separation rollers that separate the banknotes on the stage one by one and deliver them to the transport section 22 . The number of the denomination cassettes 23a to 23d is not particularly limited, and the applications of the denomination cassettes 23a to 23d can also be varied according to the operation.

(A-2) Operation of First Embodiment FIG. 1 is a flow chart showing deposit transaction processing in the automated teller machine 10 according to the first embodiment.

The automated teller machine 10 is in a standby state (S101). A customer who desires a deposit transaction inserts an IC chip-equipped card into the card inlet/outlet 13, and then pulls out the card.

At this time, in automatic transaction machine 10, when card processing unit 3, which is a DIP type card reader, detects the inserted IC-equipped card (S102), card processing unit 3 detects the card from the IC chip installed in the card. After reading the information (S103), the card processing unit 3 notifies the control unit 1 of the card information.

After the card is removed, the display control section 102 of the control section 1 displays a personal identification number input screen on the operation display section 17, and the customer inputs the personal identification number (S104). Next, the display control unit 102 displays the transaction menu screen on the operation display unit 17 (S105), and the customer selects the deposit transaction on the transaction menu screen (S106).

When a deposit transaction is selected as the transaction content, the transaction processing unit 101 of the control unit 1 performs processing corresponding to the deposit transaction, the shutter opens at the banknote inlet/outlet 15 (S107), and the automated teller machine 10 starts inserting banknotes. accept.

After the customer has inserted bills into the bill inlet/outlet 15 (S108), the shutter is closed (S109). 22 and conveyed toward the recognition unit 21 .

The recognition unit 21 uses an optical sensor or the like to sense the state of bills passing through the transport path. The recognition unit 21 also functions as a discrimination unit that discriminates banknotes. Then, the recognition unit 21 determines the state of the passing banknotes by referring to the information about the criteria set in advance (S110). That is, the recognition unit 21 determines whether or not the banknotes are rejected banknotes one by one. The bills that have passed through the recognition section 21 are conveyed to the temporary holding section 25 by the conveying section 22 and temporarily held. A banknote determined as a rejected banknote by the recognition unit 21 is conveyed to the banknote inlet/outlet 15 .

Then, the recognition unit 21 compares the rejected banknotes with a preset threshold using the determination result of the banknotes inserted in the current deposit transaction, and determines that the number of rejected banknotes is equal to or greater than the threshold. (S111).

Based on the determination result obtained from the recognition unit 21 and the output signal from the human sensor 19, the transaction processing unit 101 of the control unit 1 determines that the number of rejected banknotes is equal to or greater than the threshold (S111/YES), and the human sensor 19 is switched from the detection signal (ON signal) to the non-detection signal (OFF signal) (S112/NO), that is, when the absence of the operator is detected, the transaction processing unit 101 executes the current deposit transaction. Interrupt (S113).

That is, the transaction processing unit 101 forcibly terminates the deposit transaction that is currently being executed. At this time, the banknotes inserted in the current deposit transaction are conveyed from the temporary holding section 25 to a reject cassette (not shown), for example. After that, the control section 1 enters a standby state for the next transaction (S101).

In S112, when the signal from the human sensor 19 remains the detection signal (ON signal) (S112/YES), the transaction processing unit 101 proceeds to S107. At this time, all the inserted banknotes are conveyed from the temporary storage section 25 to the banknote inlet/outlet 15, and then the shutter of the banknote inlet/outlet 15 is opened and returned to the customer. As a result, the transaction processing unit 101 allows the customer to continue the deposit transaction.

On the other hand, if the number of rejected banknotes is less than the threshold value (S111/NO), the operator confirms the result of the counting of deposited money. Using the result of (1), an electronic message regarding the deposit transaction is transmitted to the host server to carry out the deposit transaction (S115). When the transaction processing unit 101 acquires the response message from the host server, the statement slip processing unit 4 prints the details of the transaction on the statement slip based on the instruction of the transaction processing unit 101 and discharges it from the statement slip outlet 14 (S116). , the current deposit transaction ends (S117). After that, the control section 1 enters a standby state for the next transaction (S101).

Here, the threshold value used in S111 is used to determine whether or not to return all the banknotes when the banknotes inserted in the deposit transaction include many rejected banknotes. The threshold is preset.

That is, if the number of rejected banknotes is equal to or greater than the threshold, the transaction processing unit 101 returns all the inserted banknotes, and if the number of rejected banknotes is less than the threshold, the transaction processing unit 101 continues the deposit transaction. do.

When the number of rejected banknotes is equal to or greater than the threshold value, all the banknotes input to the transaction processing unit 101 are returned, but the customer may leave before the deposit transaction is interrupted. In particular, in the case of an automated teller machine 10 equipped with a DIP card reader in which a customer performs a deposit operation after inserting or removing a card, the customer who has pulled out the card assumes that the deposit transaction has been completed by inserting banknotes. Sometimes I get frustrated and leave the place.

In that case, it may occur that not all banknotes can be returned to the correct customer. Therefore, conventionally, when the number of rejected banknotes is equal to or greater than the threshold value, the automated teller machine interrupts the deposit transaction. This prevents the banknotes from being taken away by another person, and from being deposited into the account of another person when the next customer continues the deposit transaction.

However, as in the past, if the automatic transaction machine interrupts the deposit transaction when the number of rejected banknotes is equal to or greater than the threshold, the automatic transaction machine enters a standby state, preventing the customer from continuing the deposit operation. , the customer will have to perform the deposit operation again from the beginning.

Therefore, in the first embodiment, when it is confirmed that the number of rejected banknotes is equal to or greater than the threshold value and that the customer is no longer in front of the automated teller machine, the deposit transaction is interrupted.

(A-3) Effect of First Embodiment As described above, according to the first embodiment, when the number of rejected banknotes is equal to or greater than the threshold value and the output of the human sensor is a non-detection signal (OFF signal), At some point, the transaction control unit interrupts the deposit transaction, and when the output of the human sensor is a detection signal (ON signal), the transaction control unit does not interrupt the deposit transaction, and allows continuous operation. Therefore, the customer does not have to redo the deposit operation from the beginning, and the effect of improving convenience can be obtained. In addition, since the time required to complete the payment is shortened, there is an effect that the waiting time of the next customer is shortened.

(B) 2nd Embodiment Next, 2nd Embodiment of the automatic transaction apparatus which concerns on this invention is described in detail, referring drawings.

The second embodiment also exemplifies a case where the present invention is applied to an ATM equipped with a DIP card reader.

(B-1) Configuration of Second Embodiment The automatic transaction machine according to the second embodiment will be described as "automatic transaction machine 10A".

The automatic transaction machine 10A according to the second embodiment basically has the same configuration as that of the first embodiment, but below, the configuration and processing specific to the automatic transaction machine 10A will be described with reference to the drawings. while explaining.

FIG. 5 is an external perspective view of an automated teller machine according to the second embodiment. In FIG. 5, the external configuration of the automatic transaction device 10A according to the second embodiment includes a housing 11, a bankbook entry/exit 12, a card entry/exit 13, a statement slip exit 14, a banknote entry/exit 15, a coin entry/exit 16, It has an operation display unit 17 and a camera 51 .

FIG. 6 is a configuration diagram showing the internal configuration of the automated teller machine 10A according to the second embodiment. In FIG. 6, the automatic transaction device 10A includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a statement slip processing unit 4, a bill receiving/withdrawing unit 5, a coin receiving/withdrawing unit 6, a storage unit 7, a communication unit 8, It has an image processing unit 52 .

The camera 51 is an image capturing device that captures an image of a customer using the automated teller machine 10A.

An image processing unit 52 serving as a detection unit analyzes image data captured by the camera 51 and performs face recognition. Here, it is assumed that the image processing section 52 performs face recognition from the camera image in order to determine that there is a customer using the automated teller machine 10A. Therefore, existing methods can be widely applied to face recognition processing.

The image processing unit 52 recognizes the face of the customer who uses the automated teller machine 10A, and notifies the control unit 1 of information regarding the face recognition. As a result, based on the face recognition information from the image processing unit 52, the control unit 1 determines that the customer has changed when the face recognized at the start of the transaction changes from the face recognized before the end of the transaction. , it is determined that the customer of this transaction does not exist.

A case in which the image processing unit 52 operates stand-alone is exemplified. In other words, the image processing unit 52 always or periodically performs face recognition based on the image from the camera 51, and always or periodically notifies the control unit 1 of information regarding face recognition.

The image processing unit 52 has, for example, a CPU, a ROM, a RAM, an EEPROM, an input/output interface, etc. The CPU executes a processing program (for example, a face recognition program, etc.) to realize face recognition processing. .

(B-2) Operation of Second Embodiment FIG. 7 is a flow chart showing processing of deposit transaction in the automated teller machine 10A according to the second embodiment.

The camera 51 is arranged at a position capable of photographing the operator (customer) who uses the automated teller machine 10A, and is performing photographing operation. The image processing unit 52 analyzes the captured image from the camera 51 and performs face recognition.

For example, the image processing unit 52 detects feature points such as the eyes, nose and mouth of the face based on the image data from the camera 51, and specifies the position and size of the face area. When the image processing unit 52 recognizes the face of the operator, the image processing unit 52 notifies the control unit 1 of information regarding face recognition. Thereby, the control unit 1 can acquire information about the face recognition of the image processing unit 52 .

Here, the image processing unit 52 treats the face specified based on the feature points of the face and the position and size of the face region as one piece of detection information. That is, when the image processing unit 52 simultaneously recognizes a first face and a second face (another face) having features different from the first face, the image processing unit 52 recognizes each face (first face, second face). face). For example, the image processing unit 52 may attach an identifiable identification number to each of the recognized first face and second face to distinguish them as different faces.

The image processing unit 52 can also recognize multiple faces in the camera image. Furthermore, the image processing unit 52 may not recognize the face of the person because the person is not present in the camera image.

In FIG. 7, the automated teller machine 10A is in a standby state (S101). In the automatic transaction machine 10A, when the card processing unit 3, which is a DIP type card reader, detects the IC-equipped card inserted by the customer (S102), the card processing unit 3 extracts the card information from the IC chip installed in the card. (S103), and the card processing unit 3 notifies the control unit 1 of the card information.

After that, the display control unit 102 displays a personal identification number input screen on the operation display unit 17, and the customer inputs the personal identification number (S104).

Next, the display control unit 102 displays the transaction menu screen on the operation display unit 17 (S105), and the customer selects the deposit transaction on the transaction menu screen (S106).

When the deposit transaction is selected, the transaction processing unit 101 performs processing corresponding to the deposit transaction, the shutter opens at the banknote inlet/outlet 15 (S107), and the automatic transaction device 10 accepts banknote insertion. When the customer inserts banknotes into the banknote inlet/outlet 15 and completes the banknote insertion (S108), the shutter is closed (S109), and the inserted banknotes are conveyed one by one toward the recognition unit 21. FIG.

The recognition unit 21 uses an optical sensor or the like to sense the state of bills passing through the transport path. The recognition unit 21 also functions as a discrimination unit that discriminates banknotes. Then, the recognition unit 21 determines the state of the passing banknotes by referring to the information about the criteria set in advance (S110). The bills that have passed through the recognition section 21 are conveyed to the temporary holding section 25 by the conveying section 22 and temporarily held. A banknote determined as a rejected banknote by the recognition unit 21 is conveyed to the banknote inlet/outlet 15 .

Then, the recognition unit 21 compares the rejected banknotes with a preset threshold using the determination result of the banknotes inserted in the current deposit transaction, and determines whether the number of rejected banknotes is equal to or greater than the threshold. (S111).

Based on the determination result from the recognition unit 21 and the signal from the image processing unit 52, the transaction processing unit 101 determines that the number of rejected banknotes is equal to or greater than the threshold (S111/YES), Based on the information, when the face recognized at the start of the transaction is used as a reference and the recognized face changes from there to the present time (S201/YES), that is, when the absence of the operator is detected, the transaction is processed. The unit 101 suspends the current deposit transaction (S113). The control unit 1 is in a standby state for the next transaction (S101). Note that "the recognized face has changed" includes a state in which the face is not recognized at this time. In other words, the state in which the customer has left and there is no one in front of the automated teller machine 10A and the customer's face cannot be recognized is also included in "the recognized face has changed".

In S201, based on the face recognition information from the image processing unit 52, if the recognized face has not changed from the start of the transaction to the present time (S201/NO), the transaction processing unit 101 proceeds to S107. transition to At this time, all the inserted bills are conveyed to the bill inlet/outlet 15, and then the shutter of the bill inlet/outlet 15 is opened and returned to the customer. As a result, the transaction processing unit 101 allows the customer to continue the deposit transaction.

On the other hand, if the number of rejected banknotes is less than the threshold value (S111/NO), the operator is asked to confirm the result of the counting of deposited money. Using the result, a telegram regarding the deposit transaction is sent to the host server to carry out the deposit transaction (S115). Then, the statement slip processing unit 4 prints the statement slip and discharges it from the statement slip outlet 14 (S116), and the current deposit transaction is completed (S117). After that, the control section 1 enters a standby state for the next transaction (S101).

(B-3) Effect of Second Embodiment As described above, according to the second embodiment, when the number of rejected banknotes is equal to or greater than the threshold value and the face cannot be recognized from the camera image, or when the recognized face changes from the start of the transaction, the transaction control unit suspends the deposit transaction. , can allow continued operation. Therefore, the customer does not have to redo the deposit operation from the beginning, and the effect of improving convenience can be obtained. In addition, since the time required to complete the payment is shortened, there is an effect that the waiting time of the next customer is shortened.

(C) 3rd Embodiment Next, 3rd Embodiment of the automatic transaction apparatus which concerns on this invention is described in detail, referring drawings.

In the third embodiment, the automated teller machine displays a screen alerting the customer to stay in front of the automated teller machine until the deposit transaction is completed.

The third embodiment can be applied to either the automatic transaction machine of the first embodiment or the second embodiment, but below, the case of applying to the automatic transaction machine 10 of the first embodiment will be exemplified. . Therefore, the third embodiment will also be described with reference to FIGS. 2 to 4 of the first embodiment.

FIG. 8 is a flow chart showing deposit transaction processing in the automated teller machine 10 according to the third embodiment.

The flowchart shown in FIG. 8 is basically the same as the flowchart in FIG. 1, so here, processing specific to the third embodiment will be mainly described.

In S106 of FIG. 8, when the customer selects a deposit transaction on the operation display unit 17 (S106), the display control unit 102 instructs the operation display unit 17 to wait without leaving until the transaction is completed. A warning screen 61 prompting the user to do so is displayed (S301).

In this way, by displaying the caution screen 61 on the automatic transaction apparatus 10, it is possible to prevent the customer from leaving immediately after the customer inserts the banknotes. In other words, even if the number of rejected banknotes is large in deposit transactions, it is expected that the customer will be kept in front of the automated teller machine 10, so that the customer can be encouraged to continue the deposit operation.

Since the processing after S301 has been described in the first embodiment, detailed description thereof will be omitted here.

In FIG. 8, there is a confirmation button on the attention screen 61, and the case where the confirmation button is pressed to proceed to the next step is exemplified. , but not limited to this.

Moreover, FIG. 8 is a pop-up screen, and the pop-up screen of FIG. 8 may be displayed on the main screen. For example, the pop-up screen of FIG. 8 may be displayed on the operation display unit 17 until the shutter is opened in S107 and the transaction is interrupted.

(D) Other Embodiments Although various modified embodiments have been mentioned in the embodiments described above, the present invention can also be applied to the following modified embodiments.

(D-1) In a deposit transaction, the customer leaving after inserting banknotes despite the fact that the transaction is continuing occurs especially when the automatic transaction machine is equipped with a DIP type card reader. obtain. Therefore, the above-described first to third embodiments have been described on the premise that they are automatic transaction machines equipped with a DIP type card reader.

However, it can be applied to automatic transaction machines other than automatic transaction machines in which the card is kept taken into the machine during transaction.

In addition, for example, transactions are performed with the content linked to the QR code (registered trademark), for example, transactions are performed by verifying the identity by verifying biometric authentication, and further, for example, short-range wireless communication It can also be applied to those that exchange information with terminals such as smartphones to conduct transactions. In this way, the present invention can be applied even when the automatic transaction device performs cardless transactions, and the same effects as those of the above-described embodiments can be obtained.

(D-2) In the above-described first to third embodiments, the number of rejected bills is equal to or greater than the threshold as an example of returning all the inserted bills in deposit transactions.

However, "return all inserted banknotes in a deposit transaction" is not limited to this, and includes the case where the customer cancels the deposit and returns all the inserted banknotes.

(D-3) In the above-described second embodiment, the image processing unit 52 performs face authentication processing. However, the image processing unit 52 obtains the difference between the pixel values of the corresponding pixels between the adjacent frames among the image frames from the camera 51, and determines whether the difference value is equal to or greater than the threshold value. good too. In other words, when a customer leaves or disappears or when another customer appears in the image, the pixel values of the frame change, so detection can also be made based on pixel difference values between adjacent frames. Even in that case, the effects of the above-described second embodiment are obtained.

(D-4) Combining the first embodiment and the second embodiment, the transaction processing unit performs face recognition based on the output signal from the human sensor 19 and the face recognition result obtained by recognizing the face from the camera image. , it may be determined whether or not there is a person in front of the automated teller machine.

For example, the transaction processing unit may interrupt the current deposit transaction when the signal from the human sensor 19 is a non-detection signal (OFF signal) and/or when the recognized face changes.

On the other hand, for example, the transaction processing unit may proceed to S107 in FIG. 1 when the signal from the human sensor 19 is a detection signal (ON signal) or when the recognized face does not change.

(D-5) In the above-described first to third embodiments, the case of depositing banknotes was exemplified, but it can also be applied to the case of depositing coins. The effect of the embodiment is effectively exhibited.

10 and 10A Automatic teller machine 1 Control unit 101 Transaction processing unit 102 Display control unit 2 Passbook processing unit 3 Card processing unit 4 Statement processing unit 5 Bill deposit/withdrawal unit , 6... Coin deposit/withdrawal unit, 7... Storage unit, 8... Communication unit, 11... Case, 12... Passbook entry/exit, 13... Card entry/exit, 14... Statement slip exit, 15... Bill entry/exit, 16... Coin entrance/exit 17 Operation display unit 19 Human sensor 21 Recognition unit 22 Transport unit 23a to 23d Denomination cassette 25 Temporary storage unit 50 Transport roller 51 Camera 52 … Image processing unit.

Claims (6)

a deposit unit for accepting cash;
a discrimination unit that discriminates cash deposited in the deposit unit;
a detection unit that detects the presence or absence of an operator;
a control unit that controls deposit transactions;
has
The control unit determines to return the cash deposited in the deposit unit according to the discrimination result by the discrimination unit, and when the detection unit detects the absence of the operator, the deposit transaction is performed. An automatic transaction device characterized by canceling. The detection unit is a proximity sensor that detects the operator present in front of the automatic transaction device,
When the control unit determines to return the cash deposited in the deposit unit and acquires a non-detection signal indicating the operator's absence from the proximity sensor, the deposit transaction is stopped. The automatic transaction device according to claim 1. further comprising a camera for photographing the operator's face,
The detection unit includes an image processing unit that analyzes image data captured by the camera and recognizes the operator's face,
The control unit determines that the cash inserted into the deposit unit is to be returned, and the face information detected at the start of the deposit transaction has changed based on the face recognition processing result by the image processing unit. 3. The automated teller machine according to claim 1 or 2, wherein the automatic transaction device according to claim 1 or 2 detects the absence of the operator and stops the deposit transaction. 2. The control unit determines to return the cash deposited in the deposit unit when the amount of cash determined to be rejected by the discrimination unit is equal to or greater than a preset threshold value. 3. The automatic transaction device according to any one of 1 to 3. a display unit for displaying the deposit transaction screen;
5. The automated teller machine according to any one of claims 1 to 4, further comprising: a display control unit for displaying on the display unit a screen prompting the customer to wait until the end of the transaction at the time of the deposit transaction. . 6. The automated teller machine according to any one of claims 1 to 5, wherein, as a method of acquiring information necessary for transactions, a method is adopted in which a card is not taken into the apparatus during said deposit transaction.

Images