JP2677612B2 - Automatic transaction equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Field of Industrial Application) The present invention relates to an automatic transaction apparatus used in a bank or the like.

(Prior Art) In recent years, in order to save labor at financial institutions, automated transaction devices that automatically perform deposit and withdrawal transactions have been put into practical use. Furthermore, recently, not only simple deposit and withdrawal transactions, but also complicated transactions such as transfer and transfer transactions are performed by the automatic transaction device.

Therefore, these automatic transaction devices are not only mechanically complicated but also complicated in terms of customer transaction operations, and are becoming extremely difficult devices.

Since these automatic transaction devices handle cash, misunderstandings and operational mistakes by customers, and mechanical factors of the devices often cause problems with cash, which may cause troubles between customers and financial institutions. For example, "I argue that the customer did not deposit cash, but I assumed that I deposited, and the transaction result is strange.", "Forgetting cash in the withdrawal transaction, and accidentally another person took it and the customer concerned Later, I claim that I do not have cash. ”,“ There is a mechanical failure during the transaction, and the cash in the device at that time does not match the amount claimed by the customer, which causes trouble. ”

In other words, in the past, the operation of the customer during the transaction and the status of the device, that is, the transaction history, were not stored or recorded in detail on the device control. It was difficult to find out.

(Problems to be Solved by the Invention) The present invention has been made in view of the above circumstances, and it is possible to display the state transition of a transaction that has already been completed, and to accurately investigate the cause of a trouble. It is intended to provide an automatic transaction device.

[Structure of the Invention] (Means for Solving the Problems) The present invention relates to an automatic transaction device that automatically conducts a transaction with a customer based on the transaction medium inserted by the customer and the operation of the customer. First detecting means for detecting the content of the instruction, second detecting means for detecting the processing content of the automatic transaction device which operates based on the operation instruction of the customer, and presence of the customer with respect to the automatic transaction device. Based on the customer detection means for detecting the presence / absence, the time measurement means for outputting the time information, the storage means for storing the transaction history information, and the detection result by the first detection means and the second detection means, the customer First processing means for storing the contents of the operation instruction of the customer and the contents of the transaction processing of the automatic transaction device in one transaction to be executed in the storage means as transaction history information together with the time information output from the timekeeping means; In the transaction processing performed by the automatic transaction device, if the customer detecting unit detects that there is no customer after the cash is released and before the discharged cash is removed, the customer detecting unit detects the presence of the customer. Second processing means for storing the result of the transaction in the storage means as transaction history information together with the time information output from the timekeeping means, and an output means for outputting the content of the transaction history information stored in the storage means, It is characterized by having.

(Operation) The operation of the device having the above configuration will be described below.

Various (sequential) transaction states associated with transactions by the customer's instructions and operations are detected, and based on this detection result, the content of the customer's operation instruction in one transaction performed by the customer and the processing content of the automatic transaction device are time information. At the same time, it is stored in the storage means as transaction history information.

Also, in the transaction processing performed by the automatic transaction device,
After the cash is released and before the discharged cash is withdrawn, if the customer detection means detects that there is no customer,
The result detected by the customer detecting means is stored in the storage means as transaction history information together with the time information.

Furthermore, the contents of the transaction history information stored in the storage means can be output.

(Example) Hereinafter, an example of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a perspective view showing the external appearance of a device according to an embodiment of the present invention, and FIG. 2 is a block diagram showing the overall configuration of a copper device.

First, the overall configuration will be described with reference to FIG. An automatic transaction device 100 capable of depositing and withdrawing cash using a magnetic card, a cash card or the like is installed in each branch. The transaction status of the automatic transaction device 100 can be monitored by the monitoring center device 110 installed in the center via the relay device 30. Further, a surveillance camera 210 is installed in the vicinity of the automatic transaction device 100, and transmits image information of a customer who operates the automatic transaction device 100 to the monitoring center device 110.
The image information of this surveillance camera 210 is used as the central surveillance center device 1
Can be monitored at 10. In addition, the remote monitor 22
Is installed in the same branch where the automatic transaction device 100 is installed, for example, near the desk of an administrator who manages the automatic transaction device 100. As shown in FIG. 3, the remote monitor 22 monitors and displays such transaction status according to the transaction status of the automatic transaction apparatus 100 such as cash deposit and withdrawal, and the person in charge of managing the automatic transaction apparatus 100. By monitoring the remote monitor 22 installed near him, he can remotely monitor the transaction status of the automatic transaction device 100.

Next, referring to FIG. 1 and FIG. 2, the automatic transaction device 100
Will be specifically described.

An L-shaped operation unit 2 is formed on the front surface of the housing 1 of the automatic transaction device 100. A bill insertion slot 3 is provided on the horizontal surface of the operation unit 2 so that a large number of bills to be transferred or transferred can be collectively inserted. Further, the bill insertion slot 3 is provided with a door 4 that can be opened and closed. Further, a CRT display unit 5 having a built-in touch sensor or the like is provided on the horizontal surface of the operation unit 2. This CRT display unit 5 displays operating procedures and other information by CRT with illustrations, characters or sentences.
By displaying on the screen, while guiding the user,
A touch sensor (not shown) detects this by pressing a display portion corresponding to a secret code, an amount, an account number, transaction approval, confirmation or cancellation, and outputs a corresponding signal to the control unit 11.

Further, on the vertical surface of the operation unit 2, a card insertion slot 6 for inserting a magnetic card as a transaction medium in which a personal identification number and account information are recorded, a passbook insertion slot 7 for inserting a passbook, and coins. A coin input port 8 for inputting coins and a coin change receiving port 9 for receiving change of coins are provided.

Next, the internal configuration of the automatic transaction device 100 will be described.

A microcomputer or the like is incorporated in the control unit 11 and executes the overall control operation. Magnetic card lead section
Reference numeral 12 receives the magnetic card inserted from the card insertion slot 6 described above, and reads account information such as a personal identification number and an account number from the magnetic stripe section on the card. Passbook print section 13
Reads the magnetic stripe portion of the passbook inserted from the passbook insertion port 7 described above, and records the transaction details on the passbook and journal paper (not shown). The deposit / withdrawal unit 14 accepts the bills inserted into the bill insertion slot 3 described above, or pays back a designated amount of bills to the bill insertion slot 3. The coin depositing / dispensing unit 15 accepts the coins inserted into the coin insertion port 8 or dispenses a designated amount of coins to the coin change receiving port 9. The customer service unit 16 incorporates the CRT display section 5 described above. The voice guidance unit 17 has a built-in speaker or the like and provides voice guidance to the user. The internal monitor 18 is an automatic transaction device as described in detail later.
Monitor 100 transaction status. Floppy disk 1
Reference numeral 9 is a data file in which information on financial institutions necessary for transfer transactions, for example, bank names and branch names is recorded in the order of Japanese syllabary. The control unit 11 is also connected to the host computer 120 via the transmission control unit 20. The power supply unit 21 supplies a predetermined power to each circuit unit. The control unit 11 is a communication control unit.
It is connected to the relay device 30 via 23.

Further, the automatic transaction device 100 has a built-in recovery means for self-recovering a trouble such as a jam of banknotes, and operates based on a recovery command from the monitoring center device 110. That is, when the control unit 11 receives the restoration command transmitted from the monitoring center device 110 via the communication control unit 23 and the relay device 30, the control unit 11 drives the restoration unit described above and issues a self-restoration command.

Further, the control unit 11 is connected to a card slip printing unit 24 that prints transaction information associated with card transactions on a slip and emits the slip to a customer.

Further, the automatic transaction device 100 is provided with a state detecting means 50 including six detection units (for example, an optical sensor including a light emitting element and a light receiving element).

The state detection means 50 includes a card slip detection unit 41 that detects the issuance of a card slip from the card slip printing unit 24, a card detection unit 42 that detects the insertion and ejection of a card in the magnetic card read unit 12, and a passbook printing unit. A passbook detection unit 43 for detecting the insertion and ejection of the passbook in 13 and a bill detection unit 44 for detecting the deposit / withdrawal state of bills in the deposit / withdrawal unit 14.
The coin depositing / dispensing unit 15 includes a coin detecting unit 45 for detecting a coin depositing / withdrawing state, and a customer detecting unit 46 for detecting the presence / absence of a customer with respect to the customer service unit 16.

Here, the internal monitor 18 will be described in detail with reference to FIG.

The internal monitor 18 includes a history information creating unit 51 that operates under the control of the control unit 11, and a printer 52 as a display unit that prints out the transaction history information created by the history information creating unit 51 on paper. It has.

The transaction history information created by the history information creating means 51 is at least the content of the operation instruction of the customer in one transaction executed by the customer (card insertion, password insertion: money insertion, etc.) and the transaction processing content of the automatic transaction device. (Center response, slip printing, cash counting, card slip release, cash release, etc.).

The history information creating means 51 includes a sub-control unit 53 connected to the control unit 11, a clock unit 54 for outputting time information, a date memory 55 for storing date information, and character information and codes shown in FIG. That is, "card insertion: code 1", "password input: code 2", "money amount input: code 3", "center response: code 4", "print slip: code 5", "cash count: code 6" , "Card slip release: Code 7",
Transaction status information memory storing transaction status information of "cash release: code 8", "withdrawal: code 9", "cash collection: code 10" and transaction status information of "with customer" and "without customer" 56 and a history information memory 57 for recording the continuous transaction history information created by the history information creating means 51.

The operation of the apparatus having the above-mentioned configuration will be described below mainly with respect to the operations of the internal monitor 18 and the state detecting means 50, and as shown in FIG.
This will be described with reference to the operation flowchart of this apparatus shown in (b) and the history information display mode shown in FIG.

A customer who wants to make a transaction, for example, a withdrawal transaction, by the automatic transaction device 100 first approaches the vicinity of the CRT display unit 5.

Then, the withdrawal transaction is selected from the transaction selection displays displayed on the CRT display section 5 (ST1, ST2). In this case, if the balance inquiry transaction is selected instead of the withdrawal transaction (ST
2 '), balance processing is performed (ST3).

Now, when the withdrawal transaction is selected in step 2, the sub control unit
After clearing the memory 57 (ST4), the 53 stores the code A indicating the withdrawal transaction in the memory 57, reads the current time from the timekeeping section 54, stores the time information in the memory 57, and further detects the customer. Based on the detection result of the unit 46, the information “presence of customer”, which means the presence of a customer, is also stored in the memory 57 (ST5).

Next, the customer inserts the card into the card insertion slot 6 according to the guidance information on the CRT display section 5 (ST6). The sub control unit 53
Based on the detection result of the card detection unit 42 indicating the insertion of the card,
The card insertion information is stored in the memory 57 as code 1 (ST7), and at the same time, the current time is read from the clock unit 54 and stored in the memory 57.

Further, the customer inputs the personal identification number from the touch sensor according to the guidance on the CRT display section 5 (ST8). The sub-control unit 53 stores this secret code as code 2 in the memory 57 (ST9).
At the same time, the information indicating the current time from the timer 54 and the presence of the customer from the customer detector 46 is also stored in the memory 57.

Next, the customer inputs information indicating his or her desired withdrawal amount from the touch sensor (ST10). The sub-control unit 53 stores the amount information at this time as the code 3 in the memory 57 (ST
At the same time, the information indicating the current time from the clock unit 54 and the presence of the customer from the customer detection unit 46 is also stored.

At this stage, the sub-control unit 53 and the control unit 11 make the customer's desired transaction possible in time for the host computer 120 via the transmission control unit 20 (ST12) and set this state as code 4. The information is stored in the memory 57 (ST13), and at the same time, the information indicating the current time from the clock unit 54 and the presence of the customer from the customer detection unit 46 is stored in the memory 57.

When the response from the host computer 120 is affirmative, the card slip printing unit 24 prints information indicating the details of the transaction on the card slip (ST14) and stores this state in the memory 57 as code 5. Yes (ST
15). At this time, the sub control unit 53 stores information indicating the current time from the clock unit 54 and the presence of a customer from the customer detection unit 46 in the memory.
Remember to 57.

Next, the deposit / withdrawal unit 14 counts the banknotes corresponding to the customer input under the control of the sub-control unit 53 and the control unit 11 (ST16),
Prepare for withdrawal.

At this time, the sub-control unit 53 stores the information on the number of banknotes in the memory 57 as the code 6 based on the detection result of the banknote detection unit 44 (ST17), and simultaneously outputs the current time from the timekeeping unit 54 and the customer detection unit 46. The information indicating that the customer is present is stored in the memory 57.

Next, under the control of the control unit 11, the operation of ejecting the card from the magnetic card read unit 12 and the ejection of the card slip from the card slip print unit 24 are performed (ST18), and at this time, the sub-control unit 53 detects the card. Based on the detection result of the section 42 and the detection result of the card slip detection section 41, the code 7 meaning card ejection is stored in the memory 57 (ST19). At the same time, the sub control unit 53 stores in the memory 57 the information indicating the current time from the clock unit 54 and the presence of the customer from the customer detection unit 46.

Next, the deposit / withdrawal unit 14 discharges the bills already counted under the control of the control unit 11 (ST20). At this time, the sub control unit 53 stores the code 8 which means the discharge of the banknote in the memory 57 based on the detection result of the banknote detection unit 44 (ST21). At the same time, the sub-control unit 53 stores in the memory 57 the current time from the clock unit 54 and the information indicating the presence of the customer from the customer detection unit 46.

Next, it is assumed that the banknote released by the operation of step 20 is not extracted (No in ST22), and the customer leaves the apparatus.

This state is detected by the customer detection unit 46 (Yes in ST23), and based on the detection result, the sub control unit 53 sets the flag "X" in the memory 57 (ST24), and at this time, the time measurement unit.
The current time from 54 is also stored in the memory 57.

Such a condition represents a peculiar condition in which the customer leaves the device even though the transaction is not completely completed.

Then, if the discharged banknotes are not removed even after a lapse of a fixed time (for example, 20 seconds) (ST25), the deposit / withdrawal unit 14 forgets the banknotes and collects them as banknotes (ST26).
The sub-control unit 53 stores the code 10 meaning the bill collection in the memory 57 (ST27).

On the other hand, if it is assumed that a third party has taken out banknotes within a certain time in steps 25 and 22 described above, the sub control unit 53 stores this state in the memory 57 as the code 9 which means a unique banknote takeout state. (ST28) At the same time, information indicating the current time from the clock unit 54 and the presence of a customer from the customer detection unit 46 is stored in the memory 57.

After that, it is assumed that the customer who forgets to pick up the banknote based on his / her own transaction in step 22 returns to this device and claims to the clerk that the banknote did not come out of the device.

In this case, when the attendant performs a predetermined operation in the customer service unit 16, the sub control unit first checks whether or not the memory 57 has the flag "X" (ST29), and the flag "X" is present. For example, the stored contents are read from the memory 57, and the character information corresponding to each code is stored in the transaction status information memory.
Read from 56 and send them to printer 52.

As a result, the printer 52 prints out the transaction history information of the customer in the form shown in FIG. 5 on the paper and ejects the paper (ST30).

By visually observing the transaction history information printed on this paper, it became clear that the customer's claim was incorrect, and there was a bill withdrawal by a third party after the customer left the device. The truth is revealed.

The present invention is not limited to the embodiment described above,
Various modifications are possible within the range of the paper.

For example, in the above-described embodiment, the case where the transaction history is stored and displayed has been described. However, this is further narrowed down so that each customer operation (touch sensor pressing state, etc.) is similarly stored and displayed. It is also possible.

Further, in the above-described embodiment, the final display is made only in the case of an abnormal transaction, but it is also possible to store and display all transaction contents by increasing the capacity of the memory.

[Effect of the Invention] According to the present invention described in detail above, since transaction history information over time is created and displayed based on the detection result of the transaction status, the cause of trouble with the customer It is possible to provide an automatic transaction device capable of conducting an investigation accurately.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an external perspective view of an apparatus according to an embodiment of the present invention, FIG. 2 is a block diagram showing the internal configuration of the apparatus, and FIG. 3 shows an internal monitor and state detecting means in the apparatus. Block diagrams shown in FIGS. 4 (a) and 4 (b) are operation flowcharts of the apparatus, respectively, and FIG. 5 is a plan view showing a display mode of transaction history information by the display means of the apparatus. 1 ... Automatic transaction device, 50 ... Status detecting means, 51 ... History information creating means, 52 ... Printer as display means.

Claims (1)

(57) [Claims] 1. An automatic transaction device for automatically conducting a transaction with a customer based on a transaction medium inserted by the customer and a customer operation, and first detecting means for detecting the content of an operation instruction of the customer. Second detection means for detecting the processing content of the automated teller machine which operates based on the operation instruction of the customer, customer detecting means for detecting the presence or absence of a customer for the automated teller machine, and outputting time information Based on the detection results of the first detection means and the second detection means, the content of the operation instruction of the customer in one transaction executed by the customer, and the storage means for storing the transaction history information. First transaction means for storing the transaction processing content of the automatic transaction apparatus in the storage means as transaction history information together with time information output from the timekeeping means, and transaction processing performed by the automatic transaction apparatus. In the case where it is detected by the customer detecting means that there is no customer after the cash is discharged and before the discharged cash is removed,
Second processing means for storing the result detected by the customer detecting means in the storage means as transaction history information together with the time information output from the timekeeping means, and the contents of the transaction history information stored in the storage means. An automatic transaction device comprising: an output unit for outputting