JP3746914B2 - Automatic transaction apparatus and recording medium - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention is an automatic transaction apparatus such as an ATM (Autmatic Tellers Machne), which is installed in a bank or other financial institution, and automatically performs transactions such as cash and electronic money deposits and withdrawals based on customer operations, and The present invention relates to a recording medium.
[0002]
[Prior art]
A conventional example will be described below.
§1: Description of ATM
FIG. 9 is a conventional ATM block diagram. The conventional ATM will be described below with reference to FIG. ATM1 is a device installed in a bank or other financial institution, and automatically performs transactions such as cash and electronic money deposits and withdrawals based on customer operations, and is a host installed in a remote center. It is connected to a computer (accounting computer) 25 via a communication line and is operated in a state of being connected via a communication line to a remote monitoring control device 27 installed at a remote monitoring center.
[0003]
The host computer 25 is provided with a ledger file, and transaction data based on customer transactions at ATM 1 is stored and managed in this ledger. The remote monitoring and control device 27 performs remote monitoring (monitoring of the operating state, etc.), remote control (remote control at the time of failure, control of power on / off, etc.) and the like from a remote location.
[0004]
The ATM 1 includes transaction information for a card entry / exit 8 for taking in / out a customer's card (cash card, transfer card, etc.), a customer touch panel 3 for operation by the customer, and a card inserted by the customer. A card reader / writer 4 for reading and writing; a banknote unit 5 for taking in and out banknotes; a coin unit 6 for taking in and out coins; A main control unit 2 for performing various controls in the ATM 1 is provided.
[0005]
And in the said banknote unit 5, the customer service port (payment / withdrawal part) 17 for taking in and out of a banknote with respect to a customer, the banknote discrimination part 18 for identifying a banknote, and the banknote for counting the number of banknotes A counting unit 19, a plurality of stackers 20 for each denomination storing banknotes for deposit / withdrawal transactions (referred to as stackers A and B), and a plurality of cassettes 22 for each denomination for replenishing banknotes (cassette A) , B)) and the like.
[0006]
The main control unit 2 includes a CPU 11 that performs various controls, a memory 12, an I / O control unit 14 that performs input / output control of the banknote unit 5, the coin unit 6, and the like. The customer service port 17 is provided with a shutter, which is always closed and opened only when depositing / withdrawing.
[0007]
§2: Outline of operation of bill unit
The outline of the operation of the banknote unit is as follows. An attendant replenishes the cassettes A and B with banknotes (cash), and when the banknotes A and B are insufficient, the banknotes are fed out from the cassettes A and B and stored in the stackers A and B. Thus, the banknotes A and B are always replenished so as not to run out.
[0008]
The operation in the case where the customer operates the customer touch panel 3 to perform the deposit / withdrawal transaction is as follows. For example, at the time of withdrawal, banknotes are fed out from the stackers A and B, discriminated by the banknote discrimination unit 18, pooled in a withdrawal pool unit (not shown), and the withdrawal banknotes are collectively discharged to the customer service port 17. Open the shutter of the mouth 17 and withdraw money to the customer.
[0009]
On the other hand, when depositing, the shutter of the customer service port 17 is opened, and the banknotes inserted by the customer from the service port 17 are sent to the banknote discrimination unit 18, where they are discriminated. Next, the banknotes after discrimination are temporarily pooled in a deposit pool section (not shown), and upon receipt of the deposit amount by the customer, the deposit pool section passes through the customer service port 17 to each stacker A, B, etc. depending on the type of discrimination. Store and deposit.
[0010]
§3: Description of processing in Conventional Example 1 ... see FIG.
FIG. 10 is a process flowchart of the first conventional example. In the following, the process of Conventional Example 1 will be described with reference to FIG. In addition, this process is an example of a process at the time of a customer's withdrawal transaction, and S1 to S9 indicate each processing step.
[0011]
When performing a withdrawal transaction, when a customer inserts a card from the card entrance 8 and is inserted into the card reader / writer 4 (S1), information prompting the input of a personal identification number is displayed on the screen of the ATM 1 customer touch panel 3. The When the customer inputs the password by looking at this display (S2), information prompting the user to input the payment amount (withdrawal amount) is displayed on the screen of the customer touch panel 3 of ATM1.
[0012]
When the customer inputs the payment amount (withdrawal amount) by looking at this display (S3), information prompting confirmation of the withdrawal amount is displayed on the screen of the ATM touch panel 3 for the customer. When the customer sees this display and presses the confirmation key, this information is recognized by the main control unit 2. At this time, the main control unit 2 communicates with the host computer 25 via the line control unit 13 (S4). In this case, transaction data (customer's PIN, withdrawal amount, etc.) is sent from the ATM 1 to the host computer 25 to request approval of the withdrawal transaction.
[0013]
When the host computer 25 receives the transaction data, the host computer 25 searches the ledger file, identifies the customer from the PIN number sent from the ATM 1, and the withdrawal amount is within a limit that allows withdrawal to the identified customer. Check if it is in. In this way, when the transaction information is sent from the host computer 25 and communication is completed, the necessary banknotes are fed out from the denomination stackers A and B, sent to the customer service port 17 and accumulated (S5).
[0014]
After that, when a necessary number of banknotes are accumulated at the customer service port 17, the customer's card is discharged from the card entrance 8 (S6), and the main control unit 2 detects the card based on detection information from a sensor (not shown). When the discharge is confirmed, the shutter of the customer service port 17 is opened (S7), and the banknote is handed over to the customer. And if it confirms that the customer received the banknote based on the detection information from a sensor (illustration omitted) (S8), the said shutter will be closed (S9) and transaction will be complete | finished.
[0015]
§4: Description of processing in Conventional Example 2 ... see FIG.
FIG. 11 is a process flowchart of Conventional Example 2. In the following, the process of Conventional Example 2 will be described with reference to FIG. In addition, this process is an example of the process at the time of a customer's withdrawal transaction, and S11-S19 show each process step.
[0016]
When conducting a withdrawal transaction, when a customer inserts a card from the card entrance 8 and inserts it into the card reader / writer 4 (S11), information prompting the input of a personal identification number is displayed on the screen of the ATM touch panel 3 for the customer. The When the customer inputs the personal identification number by looking at this display (S12), information for prompting the input of the payment amount (withdrawal amount) is displayed on the screen of the customer touch panel 3 of ATM1.
[0017]
When the customer sees this display and enters the payment amount (withdrawal amount) (S13), information prompting confirmation of the withdrawal amount is displayed on the screen of the ATM touch panel 3 for the customer. When the customer sees this display and presses the confirmation key, this information is recognized by the main control unit 2. At this time, the main control unit 2 communicates with the host computer 25 via the line control unit 13 (S14). In this case, transaction data (customer's PIN, withdrawal amount, etc.) is sent from the ATM 1 to the host computer 25 to request approval of the withdrawal transaction.
[0018]
When the host computer 25 receives the transaction data, the host computer 25 searches the ledger, identifies the customer from the PIN number sent from the ATM 1, and the withdrawal amount falls within the limit that can be withdrawn to the identified customer. Check whether it is.
[0019]
Simultaneously with the start of communication with the host computer 25 performed in the process of S14, necessary banknotes are fed out from the denomination stacker, sent to the customer service port 17 and accumulated (S15). In this way, the communication with the host computer 25 and the collection of the withdrawal bills are simultaneously performed in parallel.
[0020]
In this way, when the transaction information is sent from the host computer 25 and communication is completed, and a necessary number of bills are accumulated at the customer service port 17, the customer's card is discharged from the card entrance 8 (S16), and the sensor When the main control unit 2 confirms the ejection of the card based on the detection information from (not shown), the shutter of the customer service port 17 is opened (S17), and the banknote is delivered to the customer.
[0021]
And if it confirms that the customer received the banknote based on the detection information from a sensor (illustration omitted) (S18), the said shutter will be closed (S19) and transaction will be complete | finished. In this way, the processing time can be shortened by separating and paying out the withdrawal banknotes and starting the accumulation without waiting for the result of communication with the host computer 25. This is called “preceding counting” or “preceding counting process”.
[0022]
[Problems to be solved by the invention]
The conventional apparatus as described above has the following problems.
[0023]
(1): In Conventional Example 1, since the banknotes are separated and fed out after being communicated with the host computer 25 and accumulated in the customer service port 17, the processing time required for the transaction becomes long.
[0024]
(2): In the conventional example 2, the preceding counting process is executed. When this preceding counting process is executed, the banknotes are accumulated at the customer service port 17 before the communication with the host computer 25 is completed. For this reason, when the communication with the host computer 25 is not completed, that is, when the customer is not specified and the withdrawal limit is not specified, the bills are already accumulated in the customer service port 17. Therefore, if the shutter of the customer service port 17 is broken at this time, the banknote on the financial institution side is taken out because the banknote of the customer service port 17 is not determined to be owned by the other party at this time.
[0025]
Also, even if the PIN is wrong or the withdrawal request amount exceeds the customer's payment limit, the accumulation of banknotes at the customer service port 17 is started. Are accumulated in the customer service port 17 to break the shutter and take out banknotes.
[0026]
The present invention solves such a conventional problem, shortens the processing time by performing the preceding counting process, executes the preceding counting process, and even if the customer service shutter is destroyed, the financial institution side The aim is to be able to minimize damage.
[0027]
[Means for Solving the Problems]
FIG. 1 is a diagram for explaining the principle of the present invention. 2 is a main control unit, 3 is a customer touch panel, 5 is a banknote unit, 7 is a clerk touch panel, 11 is a CPU, 12 is a memory, 17 is a customer service port, 18 is A bill discriminating unit, 19 is a bill counting unit, 20 is a stacker (stackers A and B), 25 is a host computer in the center, and 29 is a magnetic disk device. In order to achieve the above object, the present invention is configured as follows.
[0028]
(1): Cash storage unit (for example, stacker 20 for storing banknotes) for storing cash (banknotes or coins), cash counting unit (for example, banknote counting unit 19) for counting cash, and customer A cash processing unit (for example, a customer service port 17 of the banknote unit 5) for providing and receiving cash, and a cash processing unit (for example, a customer service port shutter provided at the customer service port that can be opened and closed to shut off the inside of the service port and the outside of the device) , A bill unit 5), a customer operation unit (customer touch panel 3) operated by a customer at the time of transaction, and a control unit (for example, a control unit including the main control unit 2) for performing various controls at the time of transaction. In the automatic transaction apparatus, the control unit determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is equal to or larger than a predetermined limit amount (for example, a preceding count limit set in the memory 12). , Predetermined If the necessary information is input from the customer operation unit, the cash processing unit is controlled, and the cash of the withdrawal amount is counted by the cash counting unit. Processing for accumulating cash at the customer service is performed, and communication with the host computer 25 in the center is performed at the same time as the above processing to determine whether the information necessary for the transaction is valid. If it is determined that it is a thing, the first control means for performing a process of opening the customer service shutter and delivering the cash to the customer, and if it is determined that the withdrawal amount is equal to or greater than a predetermined limit Communicating with the host computer 25 to determine whether the information required for the transaction is valid, and after determining that the information is valid, the cash processing unit is controlled to control the cash amount of the withdrawal amount. The cash counter The counted cash is integrated into customer port and opens the customer port shutter has a second control means for causing the process to pass the cash to the customer.
[0029]
(2): A cash storage unit for storing cash, a cash counting unit for counting cash, a customer service port for sending and receiving cash to a customer, and the customer service port, which shuts off the inside of the service port and the outside of the device In an automatic transaction apparatus comprising a cash processing unit having an openable and closable service opening shutter, a customer operation unit operated by a customer during a transaction, and a control unit performing various controls during the transaction, the control unit includes the customer It is determined whether the withdrawal amount input by the customer through the operation unit is greater than or equal to a predetermined limit. If it is determined that the amount is less than the predetermined limit, necessary information is input from the customer operation unit. Then, the cash processing unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, and the process of accumulating the counted cash in the customer service is performed. Communicate with 25 The first control for determining whether the information necessary for the transaction is legitimate and, if it is legitimate, opening the customer service shutter and delivering the cash to the customer If the means and the withdrawal amount are determined to be greater than or equal to a predetermined limit, the cash processing unit is controlled to count the cash less than the limit with a cash counter, and less than the counted limit The process of accumulating the cash at the customer service is performed, and communication with the host computer 25 is performed and the information necessary for the transaction is judged to be legitimate by simultaneous processing with the above-mentioned process. Then, the cash processing unit is controlled, the remaining cash is counted by the cash counting unit, the counted cash is accumulated at the customer service port, the service port shutter is opened, and the customer is cashed. Second control to perform processing to pass And it includes a stage.
[0030]
(3): A cash storage unit that stores cash, a cash counting unit that counts cash, a customer service port that gives and receives cash to a customer, and a customer service port that shuts off the inside of the service port and the outside of the device By an operation of the customer operation unit, an automatic transaction apparatus having a cash processing unit having a customer service shutter that can be opened and closed, a customer operation unit that a customer operates at the time of transaction, and a control unit that performs various controls at the time of transaction. It is determined whether or not the withdrawal amount input from the customer is equal to or greater than a predetermined limit. If it is determined that the amount is less than the predetermined limit, the cash processing is performed when necessary information is input from the customer operation unit. The unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, and the process of accumulating the counted cash at the customer service is performed, and communication with the host computer 25 is performed in parallel with the processing. Information you need to go and trade Is determined to be legitimate, and if it is determined to be legitimate, the first procedure for opening the customer service shutter and delivering the cash to the customer, When it is determined that the amount is equal to or greater than a predetermined limit, communication with the host computer 25 is performed to determine whether information necessary for the transaction is valid, and after determining that the information is valid, The cash processing unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, the counted cash is accumulated at the customer service port, the service port shutter is opened, and the process of delivering the cash to the customer is performed. And a computer-readable recording medium on which a program for executing the procedure is recorded.
[0031]
(Function)
The operation of the present invention based on the above configuration will be described with reference to FIG.
[0032]
(a): In the above (1), before starting the transaction, for example, the clerk operates the clerk touch panel 7 to input the preceding count limit and store it in the memory 12. In this state, the customer operates the customer operation unit (for example, the customer operation touch panel 3) to perform a transaction.
[0033]
In this case, the first control means determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is equal to or larger than a predetermined limit (preceding count limit set in the memory 12). If it is determined that the amount is less than the limit, when necessary information is input from the customer operation unit, the cash processing unit (for example, the banknote unit 5) is controlled, and the cash of the withdrawal amount is converted into the cash counting unit. (For example, the bill counting unit 19) counts the cash thus counted in the customer service port (for example, the customer service port 17 of the bill unit 5). Communication with the computer 25 is performed to determine whether the information necessary for the transaction is valid, and when it is determined that the information is valid, a process of opening the customer service shutter and delivering cash to the customer is performed. Let it be done.
[0034]
Further, when the second control means determines that the withdrawal amount is equal to or greater than a predetermined limit amount, the second control means determines whether the information necessary for the transaction is valid by communicating with the host computer 25. After determining that it is legitimate, the cash processing unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, the counted cash is accumulated at the customer service port, and the customer service shutter is opened. Process to give the customer cash.
[0035]
In this way, in a withdrawal transaction less than a predetermined limit, cash is dispensed without waiting for the result of communication with the host computer 25, and the pre-counting process for starting accumulation is performed to shorten the processing time at the time of the transaction. can do. Moreover, since it is less than a predetermined limit amount to accumulate cash without waiting for the result of communication with the host computer 25, even if the preceding counting process is executed and the shutter of the customer service is destroyed, the financial The damage on the engine side can be minimized.
[0036]
(b): In the above (2), before the start of the transaction, for example, the clerk operates the clerk touch panel 7 to input the preceding count limit and stores it in the memory 12. In this state, the customer operates the customer operation unit (for example, the customer operation touch panel 3) to perform a transaction.
[0037]
In this case, the first control means determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is greater than or equal to a predetermined limit, and if it is determined that it is less than the predetermined limit When the necessary information is input from the customer operation unit, the cash processing unit is controlled so that the cash of the withdrawal amount is counted by the cash counting unit, and the counted cash is accumulated in the customer service port. In parallel processing with the above processing, communication with the host computer 25 is performed to determine whether the information necessary for the transaction is valid. When it is determined that the information is valid, the service port shutter is opened. Open and let the customer give cash to the customer.
[0038]
In addition, when the second control unit determines that the withdrawal amount is equal to or greater than a predetermined limit amount, the second control unit controls the cash processing unit and counts the cash less than the limit amount by the cash counting unit, A process for accumulating cash less than the counted limit at the customer service is performed, and at the same time as the above process, communication with the host computer 25 is performed to determine whether information necessary for the transaction is valid. If it is determined to be legitimate, then the cash processing unit is controlled, the remaining cash is counted by the cash counting unit, the counted cash is accumulated in the service port, and the service port shutter is opened. Open and let the customer give cash to the customer.
[0039]
In this way, in a withdrawal transaction less than a predetermined limit, cash is dispensed without waiting for the result of communication with the host computer 25, and the pre-counting process for starting accumulation is performed to shorten the processing time at the time of the transaction. can do. Moreover, since it is less than a predetermined limit amount to accumulate cash without waiting for the result of communication with the host computer 25, even if the preceding counting process is executed and the shutter of the customer service is destroyed, the financial The damage on the engine side can be minimized.
[0040]
Furthermore, even in the case of a withdrawal transaction exceeding a predetermined limit, for cash less than the limit, as before, the cash is separated and sent out without waiting for the communication result with the host computer 25, and the accumulation is started. By performing the counting process, the processing time at the time of transaction can be shortened. In this case as well, cash accumulation without waiting for the result of communication with the host computer 25 is less than a predetermined limit, so that the preceding counting process is executed and the shutter of the customer service port is destroyed. However, the damage on the financial institution side can be minimized.
[0041]
(c): For example, when the CPU 11 of the main control unit 2 reads and executes the program of the recording medium, the following control is performed. That is, before starting the transaction, for example, the clerk operates the clerk touch panel 7 to input the preceding count limit and stores it in the memory 12. In this state, the customer operates the customer operation unit (for example, the customer operation touch panel 3) to perform a transaction.
[0042]
In this case, the first control means determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is equal to or larger than a predetermined limit (preceding count limit set in the memory 12). If it is determined that the amount is less than the limit, when necessary information is input from the customer operation unit, the cash processing unit (for example, the banknote unit 5) is controlled, and the cash of the withdrawal amount is converted into the cash counting unit. (For example, the banknote counting unit 19) counts the cash that has been counted and accumulates it in the customer service port (for example, the customer service port 17 of the banknote unit 5). Communication with the computer 25 is performed to determine whether the information necessary for the transaction is valid, and when it is determined that the information is valid, a process of opening the customer service shutter and delivering cash to the customer is performed. Let it be done.
[0043]
Further, when the second control means determines that the withdrawal amount is equal to or greater than a predetermined limit amount, the second control means determines whether the information necessary for the transaction is valid by communicating with the host computer 25. After determining that it is legitimate, the cash processing unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, the counted cash is accumulated at the customer service port, and the customer service shutter is opened. Process to give the customer cash.
[0044]
In this way, in a withdrawal transaction less than a predetermined limit, cash is dispensed without waiting for the result of communication with the host computer 25, and the pre-counting process for starting accumulation is performed to shorten the processing time at the time of the transaction. can do. Moreover, since it is less than a predetermined limit amount to accumulate cash without waiting for the result of communication with the host computer 25, even if the preceding counting process is executed and the shutter of the customer service is destroyed, the financial The damage on the engine side can be minimized.
[0045]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described in detail below with reference to the drawings. In addition, the example demonstrated below is an example which applied the said automatic transaction apparatus to ATM, and is an example at the time of using a banknote as cash.
[0046]
§1: Description of ATM
FIG. 2 is a block diagram of ATM. As shown in FIG. 2, the ATM includes a main control unit 2 that performs various internal controls, a magnetic disk device 29 that stores various data such as programs executed by the main control unit 2 and transaction data, and a customer's Controls the communication line when communicating with the customer touch panel 3 operated at the time of transaction, the staff touch panel 7 operated by the staff for maintenance, and the host computer 25 in the external billing computer center. A line control unit 13 and an I / O unit group are provided.
[0047]
In the I / O unit group, the banknote unit 5 for performing banknote depositing / withdrawing processing, the coin unit 6 for performing coin depositing / withdrawing processing, etc., and transaction information is read from and written to the transaction card. A card reader / writer 4 and the like are provided.
[0048]
The main control unit 2 is provided with a CPU 11 that performs internal control, a memory 12 that the CPU 11 uses for work, and the like. The memory 12 is set with a withdrawal amount limit amount (hereinafter referred to as “preceding count limit amount”) when the preceding counting process is performed.
[0049]
The advance count limit is input by, for example, a clerk operating the clerk touch panel 7 before starting the ATM operation, and the input data is stored in the memory 12 under the control of the CPU 11 of the main control unit 2. The preceding count limit may be transmitted from the remote monitoring control device 27 or the host computer 25, received by the ATM, and then stored in the memory 12 under the control of the CPU 11 of the main control unit 2.
[0050]
Further, the preceding count limit is set to an arbitrary amount, for example, 50,000 yen or 100,000 yen, but different values may be set for weekdays and holidays, daytime and nighttime, etc. for security reasons. good.
[0051]
§2: Explanation of banknote unit
FIG. 3 is a block diagram of the banknote unit control system, and FIG. 4 is a block diagram of the banknote unit mechanism. Hereinafter, a banknote unit is demonstrated based on FIG.
[0052]
As shown in FIG. 3, in the control system of the banknote unit 5, an interface circuit 32 that performs interface control with the ATM main control unit 2, a CPU 31 that performs various controls in the banknote unit 5, and the CPU 31 execute the control. There are provided a ROM 33 for storing various data such as programs to be executed, a RAM 34 used by the CPU 31 for work, and the like.
[0053]
The bill unit 5 includes a transport control unit 35 that controls transport of bills and the like, a bill discriminating unit 18 that discriminates bills, a bill counting unit 19 that counts the number of bills, and the like. Yes (refer to FIG. 4 for details of the mechanism), and the mechanism is controlled by the CPU 31.
[0054]
In the bill unit 5 having the above-described configuration, the CPU 31 receives an instruction by a command or the like from the main control unit 2, and the CPU 31 reads and executes a program from the ROM 33 to perform bill deposit / withdrawal processing and the like. In this case, the mechanism unit performs an operation at the time of depositing / withdrawing banknotes in accordance with an instruction from the CPU 31.
[0055]
The mechanism part of the banknote unit 5 is configured as shown in FIG. 4, for example. The customer service port (payment / withdrawal unit) 17 is a part serving as a customer service port (payment / withdrawal unit) when depositing / withdrawing banknotes, and the customer service port 17 is provided with a shutter 38. This shutter is normally closed (shutter closed), and has a mechanism that opens (shutter opens) only when depositing / withdrawing banknotes. Then, when the shutter 38 is closed, the inside of the banknote unit 5 and the outside of the apparatus are shut off so as not to be visible to the customer even if banknotes are accumulated inside.
[0056]
The banknote discriminating unit 18 is a mechanism for performing discrimination such as denomination of banknotes, reading of banknote numbers, reading of front and back of banknotes (front / back determination), and the banknote counting unit 19 is a mechanism for counting the number of banknotes. The cassette A is a cassette for denomination A ticket (for 1,000 / 5,000 yen) for replenishing banknotes or collecting banknotes from the stacker, and cassette B is replenishing banknotes or stackers Is a cassette for denomination B ticket (for 10,000 yen ticket) for collecting banknotes.
[0057]
In addition, 9A is a feeding outlet for feeding out the banknotes in the order in which they are stored in the cassette A, and 10A is a storage port for storing banknotes in the cassette A. Reference numeral 9B denotes a payout opening for feeding out bills in the order in which the bills are stored in the cassette B, and reference numeral 10B denotes a storage port for storing bills in the cassette B.
[0058]
Stacker A is a stacker for denomination A tickets (for 1,000 / 5,000 yen tickets) for depositing and withdrawing, and Stacker B is for denomination B tickets for depositing and withdrawing (10,000 This is a stacker. Note that 11A is a payout port for feeding the banknotes of the stacker A in the order in which the banknotes were last stored, 12A is a storage port for storing banknotes in the stacker A, and 11B is for feeding out the banknotes of the stacker B in the order in which they were last stored. No. 12B is a storage opening for storing the banknote of the stacker B.
[0059]
The transport path 6 is a mechanism that transports bills in connection with the above-described parts, and is driven by a transport drive mechanism (not shown). The reject box 39 is a mechanism for storing rejected banknotes. The cassettes A and B have a mechanism for first feeding out banknotes stored first, and the stackers A and B have a mechanism for first feeding out banknotes stored last.
[0060]
§3: Outline of operation of banknote unit
The outline of the operation of the banknote unit is as follows. An attendant replenishes the cassettes A and B with banknotes (cash), and when the banknotes A and B are insufficient, the banknotes are fed out from the cassettes A and B and stored in the stackers A and B. Thus, the banknotes A and B are always replenished so as not to run out.
[0061]
The operation in the case where the customer operates the customer touch panel 3 to perform the deposit / withdrawal transaction is as follows. For example, at the time of withdrawal, banknotes are fed out from the stackers A and B, discriminated by the banknote discrimination unit 18, pooled in a withdrawal pool unit (not shown), and the withdrawal banknotes are collectively discharged to the customer service port 17. The shutter 38 of the mouth 17 is opened and the customer is withdrawn.
[0062]
On the other hand, when depositing, the shutter 38 of the customer service port 17 is opened, and the banknotes inserted by the customer from the customer service port 17 are sent to the banknote discriminating unit 18, which discriminates them. Next, the banknotes after discrimination are temporarily pooled in a deposit pool section (not shown), and upon receipt of the deposit amount by the customer, the deposit pool section passes through the customer service port 17 to each stacker A, B, etc. depending on the type of discrimination. Store and deposit.
[0063]
§4: Outline of ATM processing
(1): Example 1
In Example 1, before starting the transaction, for example, the clerk operates the clerk touch panel 7 to input the preceding count limit and stores it in the memory 12. In this state, the customer operates the customer operation touch panel 3 to make a transaction.
[0064]
In this case, when a withdrawal amount is input from the customer by operating the customer touch panel 3, the CPU 11 of the main control unit 2 determines whether the input withdrawal amount is equal to or greater than the preceding count limit in the memory 12. To do. As a result, when it is determined that the amount is less than the preceding count limit, when necessary information (such as a PIN number and money amount confirmation key information) is input from the customer touch panel 3, the banknote unit 5 is controlled to A banknote with a gold amount is counted by the banknote counting unit 19, and the counted cash is accumulated at the customer service port 17.
[0065]
Further, in the simultaneous and parallel processing, the communication with the host computer 25 in the center is performed to determine whether the information necessary for the transaction is valid. When it is determined that the information is valid, The customer service shutter 38 is opened and cash is given to the customer.
[0066]
Further, when it is determined that the withdrawal amount is equal to or greater than the preceding count limit, the CPU 11 communicates with the host computer 25 to determine whether the information necessary for the transaction is valid, and is valid. After the banknote unit 5 is controlled, the banknote counting unit 19 counts the banknote of the withdrawal amount, accumulates the counted banknote in the service port 17, and opens the shutter 38 of the service port 17. Give banknotes to the customer.
[0067]
As described above, in the withdrawal transaction less than the predetermined advance count limit, the transaction is performed by separating and feeding out the banknotes without waiting for the communication result with the host computer 25 and starting accumulation, that is, performing the advance count process. Processing time can be shortened. Further, since it is less than the predetermined advance count limit that the processes are accumulated without waiting for the communication result with the host computer 25, the advance count process is executed, and the shutter 38 of the customer service port 17 is destroyed. Even in this case, the damage on the financial institution side can be minimized.
[0068]
(2): Example 2
In Example 2, for example, the clerk operates the clerk touch panel 7 to input the preceding count limit and stores it in the memory 12 before starting the transaction. In this state, the customer operates the customer operation touch panel 3 to make a transaction. In this case, when a withdrawal amount is input from the customer by operating the customer touch panel 3, the CPU 11 of the main control unit 2 determines whether the input withdrawal amount is equal to or greater than the preceding count limit in the memory 12. To do.
[0069]
As a result, when it is determined that the amount is less than the preceding count limit, when necessary information (such as a PIN number and money amount confirmation key information) is input from the customer touch panel 3, the banknote unit 5 is controlled to The banknote counting unit 18 counts the banknote of the gold amount, and the counted cash is accumulated at the customer service port 17.
[0070]
Further, in the simultaneous and parallel processing, the communication with the host computer 25 in the center is performed to determine whether the information necessary for the transaction is valid. When it is determined that the information is valid, The shutter 38 at the customer service opening is opened and the bill is delivered to the customer.
[0071]
Further, when it is determined that the withdrawal amount is equal to or greater than a predetermined advance count limit, the banknote unit 5 is controlled to count bills less than the advance count limit with the bill counter 19 and the counted advance count. Banknotes less than the limit amount are accumulated at the customer service port 17.
[0072]
In addition, the CPU 11 communicates with the host computer 25 to determine whether or not the information necessary for the transaction is valid, and when it is determined that the information is valid, The banknote unit 5 is controlled, the remaining banknotes are counted by the banknote counting unit 19, the counted banknotes are accumulated at the customer service port 17, the shutter 38 of the customer service port 17 is opened, and the banknotes are delivered to the customer.
[0073]
As described above, in the withdrawal transaction less than the predetermined advance count limit, the transaction is performed by separating and feeding out the banknotes without waiting for the communication result with the host computer 25 and starting accumulation, that is, performing the advance count process. Processing time can be shortened. Further, since it is less than the predetermined advance count limit that the processes are accumulated without waiting for the communication result with the host computer 25, the advance count process is executed, and the shutter 38 of the customer service port 17 is destroyed. Even in this case, the damage on the financial institution side can be minimized.
[0074]
Furthermore, even in the case of a withdrawal transaction that is greater than or equal to a predetermined advance count limit, as with the above, for cash less than the advance count limit, the processing is separated and sent out without waiting for the communication result with the host computer 25, By performing the preceding counting process for starting the accumulation, the processing time at the time of transaction can be shortened. Also in this case, since it is less than the predetermined advance count limit that the banknotes are accumulated without waiting for the communication result with the host computer 25, the advance count process is executed and the shutter of the customer service port 17 is performed. Even if 38 is destroyed, damage to the financial institution can be minimized.
[0075]
As an example, the time for communication with the host computer 25 is about 3 seconds, and the time for collecting banknotes in the customer service port 17 is about 3 to 5 sheets / second.
[0076]
§5: Explanation of processing of Example 1 by flowchart
FIG. 5 is a process flowchart (part 1) of Example 1, and FIG. 6 is a process flowchart (part 2) of Example 1. Hereinafter, the processing of Example 1 will be described with reference to FIGS. S21 to S34 indicate each processing step.
[0077]
When performing a withdrawal transaction, when a customer inserts a transaction card (cash card) from the card entrance 8 and inserts it into the card reader / writer 4 (S21), an input of a personal identification number is made on the screen of the customer touch panel 3. Prompt information is displayed. When the customer inputs the password by looking at this display (S22), information prompting the user to input the payment amount (withdrawal amount) is displayed on the screen of the customer touch panel 3.
[0078]
When the customer sees this display and inputs a payment amount (withdrawal amount) (S23), information prompting confirmation of the withdrawal amount is displayed on the screen of the customer touch panel 3. When the customer sees this display and presses the confirmation key, this information is recognized by the main control unit 2. At this time, the main control unit 2 compares the preceding count limit in the memory 12 with the customer input amount (withdrawal amount) (S24).
[0079]
As a result, if the customer's input amount (withdrawal amount) is less than the preceding count limit, the same processing as in the conventional example 2 is performed. That is, the main control unit 2 communicates with the host computer 25 via the line control unit 13 (S25), sends transaction data (customer PIN number, withdrawal amount, etc.) from the ATM 1 to the host computer 25, and withdraws money. Ask for transaction approval.
[0080]
When the host computer 25 receives the transaction data, the host computer 25 searches the ledger, identifies the customer from the PIN number sent from the ATM 1, and the withdrawal amount falls within the limit that can be withdrawn to the identified customer. Check whether it is. Simultaneously with the start of communication with the host computer 25 in the process of S25, a necessary number of banknotes are fed out from the denomination stackers A and B, sent to the customer service port 17 and accumulated (S27). In this way, the communication with the host computer 25 and the collecting process of the withdrawal bills are simultaneously performed in parallel.
[0081]
Then, when the transaction information is sent from the host computer 25 and communication is completed (S26), and a necessary number of bills are accumulated at the customer service port 17, the customer's card is discharged from the card entrance 8 (S31), and the sensor When the main control unit 2 confirms the ejection of the card based on the detection information from (not shown), the shutter 38 of the customer service port 17 is opened (S32), and the banknote is delivered to the customer. And if it confirms that the customer received the banknote based on the detection information from a sensor (illustration omitted) (S33), the said shutter 38 will be closed (S34) and transaction will be complete | finished.
[0082]
On the other hand, if the customer input amount is equal to or greater than the preceding count limit in the process of S24, the main control unit 2 communicates with the host computer 25 via the line control unit 13 (S28), and the ATM 1 to the host computer Transaction data (customer PIN, withdrawal amount, etc.) is sent to 25 to request approval for the withdrawal transaction.
[0083]
When the host computer 25 receives the transaction data, the host computer 25 searches the ledger, identifies the customer from the PIN number sent from the ATM 1, and the withdrawal amount falls within the limit that can be withdrawn to the identified customer. Check whether it is. In this way, after the transaction information is sent from the host computer 25 and communication is completed (S29), the necessary banknotes are fed out from the denomination stackers A and B, sent to the customer service port 17 and accumulated (S30). ).
[0084]
After that, when a necessary number of banknotes are accumulated at the customer service port 17, the customer's card is ejected from the card entrance 8 (S31), and the main control unit 2 detects the card based on detection information from a sensor (not shown). When the discharge is confirmed, the shutter 38 of the customer service port 17 is opened (S32), and the bill is delivered to the customer. And if it confirms that the customer received the banknote based on the detection information from a sensor (illustration omitted) (S33), the said shutter 38 will be closed (S34) and transaction will be complete | finished.
[0085]
§6: Explanation of processing of Example 2 by flow chart ... See FIGS. 7 and 8
FIG. 7 is a processing flowchart (part 1) of Example 2, and FIG. 8 is a processing flowchart (part 2) of Example 2. Hereinafter, the processing of Example 2 will be described with reference to FIGS. S41 to S55 indicate each processing step.
[0086]
When performing a withdrawal transaction, when a customer inserts a card from the card entrance 8 and inserts it into the card reader / writer 4 (S41), information prompting for input of a personal identification number is displayed on the screen of the customer touch panel 3. When the customer sees this display and enters the personal identification number (S42), information prompting the user to input the payment amount (withdrawal amount) is displayed on the screen of the customer touch panel 3.
[0087]
When the customer sees this display and inputs a payment amount (withdrawal amount) (S43), information prompting confirmation of the withdrawal amount is displayed on the screen of the customer touch panel 3. When the customer sees this display and presses the confirmation key, this information is recognized by the main control unit 2. At this time, the main control unit 2 compares the preceding count limit in the memory 12 with the customer input amount (withdrawal amount) (S44).
[0088]
As a result, if the customer's input amount (withdrawal amount) is less than the preceding count limit, the same processing as in the conventional example 2 is performed. That is, the main control unit 2 communicates with the host computer 25 via the line control unit 13 (S45), sends transaction data (customer PIN, withdrawal amount, etc.) from the ATM 1 to the host computer 25, and withdraws money. Ask for transaction approval.
[0089]
When the host computer 25 receives the transaction data, the host computer 25 searches the ledger, identifies the customer from the PIN number sent from the ATM 1, and the withdrawal amount falls within the limit that can be withdrawn to the identified customer. Check whether it is.
[0090]
Simultaneously with the start of communication with the host computer 25 performed in the process of S45, necessary banknotes are fed out from the stackers A and B of the denominations and sent to the customer service port 17 for accumulation (S47). In this way, the communication with the host computer 25 and the collecting process of the withdrawal bills are simultaneously performed in parallel.
[0091]
After the transaction information is sent from the host computer 25 and communication is completed (S46), when a necessary number of banknotes is accumulated at the customer service port 17, the customer's card is discharged from the card entrance 8 (S52), When the main control unit 2 confirms the ejection of the card based on detection information from a sensor (not shown), the shutter 38 of the customer service port 17 is opened (S53), and the banknote is delivered to the customer. And if it confirms that the customer received the banknote based on the detection information from a sensor (illustration omitted) (S54), the said shutter 38 will be closed (S55) and transaction will be complete | finished.
[0092]
On the other hand, if it is determined in S44 that the customer's input amount is equal to or greater than the preceding count limit, the main control unit 2 communicates with the host computer 25 via the line control unit 13 (S48). Transaction data (customer PIN, withdrawal amount, etc.) is sent to 25 to request approval for the withdrawal transaction.
[0093]
When the host computer 25 receives the transaction data, the host computer 25 searches the ledger, identifies the customer from the PIN number sent from the ATM 1, and the withdrawal amount falls within the limit that can be withdrawn to the identified customer. Check whether it is.
[0094]
Simultaneously with the start of communication with the host computer 25 performed in the process of S48, banknotes less than the preceding count limit are fed out from the denomination stackers A and B, sent to the customer service port 17 and accumulated (S50). ). In this way, the communication with the host computer 25 and the collection of the withdrawal bills are simultaneously performed in parallel.
[0095]
Then, after the communicable information is sent from the host computer 25 and communication is completed (S49), the remaining banknotes (remaining banknotes excluding the amount less than the preceding count limit) from the money type stackers A and B Are fed into the customer service port 17 and accumulated (S51).
[0096]
After that, when a necessary number of banknotes are accumulated at the customer service port 17, the customer's card is discharged from the card entrance 8 (S52), and the main control unit 2 detects the card based on detection information from a sensor (not shown). When the discharge is confirmed, the shutter of the customer service port 17 is opened (S53), and the banknote is given to the customer. And if it confirms that the customer received the banknote based on the detection information from a sensor (illustration omitted) (S54), the said shutter will be closed (S55) and transaction will be complete | finished.
[0097]
§7: Description of processing program and recording medium
The CPU 11 of the main control unit 2 shown in FIG. 2 reads out and executes the program stored in the magnetic disk device 29, thereby performing the processes of the first and second examples. In this case, the program stored in the magnetic disk device 29 can be stored as follows, for example.
[0098]
(1): A program stored in a flexible disk (floppy disk) created by another device (program data created by another device) is read by a floppy disk drive provided in the ATM, and the magnetic disk device 29 Store in a recording medium (hard disk).
[0099]
{Circle over (2)}: Data stored in a storage medium such as a magneto-optical disk or a CD-ROM is read by an optical disk drive provided in the ATM and stored in a recording medium (hard disk) of the magnetic disk device 29.
[0100]
{Circle around (3)} A program transmitted from another device via a communication line such as a LAN is received via a line control unit, and the data is stored in a recording medium (hard disk) of the magnetic disk device 29.
[0101]
【The invention's effect】
As described above, the present invention has the following effects.
(1): Enter the withdrawal amount limit (advance count limit) before starting the transaction and store it in the memory. In this state, the customer performs a transaction by operating the customer operation unit. In this case, the first control means determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is greater than or equal to a predetermined limit (advance count limit), and if less than the predetermined limit When it is determined that there is, when necessary information is input from the customer operation unit, the cash processing unit (for example, banknote unit) is controlled, and the cash of the withdrawal amount is counted by the cash counting unit. To determine whether the information required for the transaction is legitimate by communicating with the host computer in the center in parallel processing with the above processing. When it is determined that it is a thing, the customer service shutter is opened, and a process of giving cash to the customer is performed.
[0102]
Further, when the second control means determines that the withdrawal amount is equal to or greater than a predetermined limit amount, the second control means determines whether the information necessary for the transaction is valid by communicating with the host computer 25. Then, after determining that it is legitimate, the cash processing unit is controlled to count the cash of the withdrawal amount at the cash counting unit, and the counted cash is accumulated at the service port, and the service port shutter is opened. Process to give the customer cash.
[0103]
In this way, in a withdrawal transaction less than the predetermined limit, cash is separated out without waiting for the communication result with the host computer, and the processing time at the time of transaction is shortened by performing the preceding counting process for starting accumulation. be able to. In addition, since it is less than a predetermined limit to accumulate cash without waiting for the result of communication with the host computer, even if the preceding counting process is executed and the shutter of the customer service is destroyed, the financial institution Side damage can be minimized.
[0104]
(2): Enter the withdrawal amount limit (advance count limit) before starting the transaction and store it in the memory. In this state, the customer performs a transaction by operating the customer operation unit. In this case, the first control means determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is greater than or equal to a predetermined limit, and if it is determined that it is less than the predetermined limit When the necessary information is input from the customer operation unit, the cash processing unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, and the process of accumulating the counted cash in the customer service port is performed. In parallel processing with the above processing, it is determined whether the information necessary for the transaction is valid by communicating with the host computer. If it is determined that the information is valid, the service port shutter is opened. Process to give the customer cash.
[0105]
In addition, when the second control unit determines that the withdrawal amount is equal to or greater than a predetermined limit amount, the second control unit controls the cash processing unit and counts the cash less than the limit amount by the cash counting unit, A process for accumulating cash less than the counted limit at the customer service is performed, and at the same time as the above process, communication with the host computer is performed to determine whether the information necessary for the transaction is valid. If it is determined to be legitimate, the cash processing unit is then controlled, the remaining cash is counted by the cash counting unit, the counted cash is accumulated in the service port, and the service port shutter is opened. To give the customer a cash process.
[0106]
In this way, in a withdrawal transaction less than the predetermined limit, cash is separated out without waiting for the communication result with the host computer, and the processing time at the time of transaction is shortened by performing the preceding counting process for starting accumulation. be able to. In addition, since it is less than a predetermined limit to accumulate cash without waiting for the result of communication with the host computer, even if the preceding counting process is executed and the shutter of the customer service is destroyed, the financial institution Side damage can be minimized.
[0107]
Furthermore, even in the case of a withdrawal transaction with a predetermined limit or more, for cash less than the predetermined limit, as before, the cash is separated out without waiting for the result of communication with the host computer, and the accumulation is started. By performing the counting process, the processing time at the time of transaction can be shortened. Also in this case, since it is less than a predetermined limit that the cash is collected without waiting for the result of communication with the host computer, the preceding counting process is executed and the shutter of the customer service port is destroyed. Even in this case, the damage on the financial institution side can be minimized.
[0108]
(3): The control unit controls the transaction by reading and executing the program on the recording medium. In this case, before starting the transaction, the limit amount of the withdrawal amount (advance count limit amount) is input and stored in the memory. In this state, the customer performs a transaction by operating the customer operation unit.
[0109]
In this case, the first control means determines whether or not the withdrawal amount input from the customer by the operation of the customer operation unit is greater than or equal to a predetermined limit, and if it is determined that it is less than the predetermined limit When necessary information is input from the customer operation unit, the cash processing unit (for example, banknote unit) is controlled, and the cash of the withdrawal amount is counted by the cash counting unit (for example, banknote counting unit). A process of accumulating the counted cash at the customer service is performed, and in parallel with the above process, communication with the host computer in the center is performed to determine whether the information necessary for the transaction is legitimate. If it is determined that the payment is correct, the customer service shutter is opened and cash is given to the customer.
[0110]
Further, when the second control means determines that the withdrawal amount is equal to or greater than a predetermined limit amount, the second control means determines whether the information necessary for the transaction is valid by communicating with the host computer, After judging that it is legitimate, the cash processing unit is controlled, the cash of the withdrawal amount is counted by the cash counting unit, the counted cash is accumulated in the customer service port, and the service port shutter is opened. Have the customer give cash to the customer.
[0111]
In this way, in a withdrawal transaction less than the predetermined limit, cash is separated out without waiting for the communication result with the host computer, and the processing time at the time of transaction is shortened by performing the preceding counting process for starting accumulation. be able to. In addition, since it is less than a predetermined limit to accumulate cash without waiting for the result of communication with the host computer, even if the preceding counting process is executed and the shutter of the customer service is destroyed, the financial institution Side damage can be minimized.
[Brief description of the drawings]
FIG. 1 is a diagram illustrating the principle of the present invention.
FIG. 2 is a block diagram of ATM in the embodiment of the present invention.
FIG. 3 is a block diagram of a banknote unit control system in the embodiment of the present invention.
FIG. 4 is a block diagram of a banknote unit mechanism in the embodiment of the present invention.
FIG. 5 is a process flowchart (part 1) of Example 1 according to the embodiment of the present invention;
FIG. 6 is a process flowchart (No. 2) of Example 1 according to the embodiment of the present invention;
FIG. 7 is a processing flowchart (No. 1) of Example 2 in the embodiment of the present invention;
FIG. 8 is a process flowchart (No. 2) of Example 2 in the embodiment of the present invention;
FIG. 9 is a block diagram of a conventional ATM.
10 is a process flowchart of Conventional Example 1. FIG.
FIG. 11 is a processing flowchart of Conventional Example 2;
[Explanation of symbols]
1 ATM
2 Main control unit
3 Touch panel for customers
4 Card reader / writer
5 bill unit
6 coin units
7 Touch panel for staff
8 Card entrance
11, 31 CPU
12 memory
13 Line control unit
14 I / O controller
17 Service entrance
18 Banknote Identification Department
19 Bill counter
20 Stacker
22 cassettes
23 Transport path
25 Host computer
27 Remote monitoring and control device
29 Magnetic disk unit
32 Interface circuit
33 ROM
34 RAM
35 Transport control unit
38 Shutter
39 Reject box

Claims (3)

A cash storage unit for storing cash, a cash counting unit for counting cash, a service opening for giving and receiving cash to a customer, and a customer service that is provided at the service opening and that can be opened and closed to block the inside of the service opening from the outside of the device A cash processing unit having a mouth shutter;
A customer operation unit operated by the customer during the transaction;
In an automatic transaction apparatus equipped with a control unit that performs various controls during transactions,
The controller is
If it is determined whether the withdrawal amount input from the customer by the operation of the customer operation unit is equal to or greater than a predetermined limit, and if it is determined that it is less than the predetermined limit, the necessary information from the customer operation unit is When input, the cash processing unit is controlled, the cash of the withdrawal amount is counted by a cash counting unit, and the process of accumulating the counted cash at the customer service is performed, Communicate with the host computer to determine whether the information required for the transaction is valid, and if it is determined to be valid, open the service door shutter and give the customer cash First control means for causing
If it is determined that the withdrawal amount is equal to or greater than a predetermined limit, communication with the host computer is performed to determine whether the information necessary for the transaction is valid, and it is determined to be valid Later, the cash processing unit is controlled so that the cash of the withdrawal amount is counted by the cash counting unit, the counted cash is accumulated at the customer service port, and the customer port shutter is opened to deliver the cash to the customer. Comprising second control means,
An automatic transaction apparatus characterized by that. A cash storage unit for storing cash, a cash counting unit for counting cash, a service opening for giving and receiving cash to a customer, and a customer service that is provided at the service opening and that can be opened and closed to block the inside of the service opening from the outside of the device A cash processing unit having a mouth shutter;
A customer operation unit operated by the customer during the transaction;
In an automatic transaction apparatus equipped with a control unit that performs various controls during transactions,
The controller is
If it is determined whether the withdrawal amount input from the customer by the operation of the customer operation unit is equal to or greater than a predetermined limit, and if it is determined that it is less than the predetermined limit, the necessary information from the customer operation unit is When input, the cash processing unit is controlled, the cash of the withdrawal amount is counted by a cash counting unit, and the process of accumulating the counted cash at the customer service is performed, Communicate with the host computer to determine whether the information required for the transaction is valid, and if it is determined to be valid, open the service door shutter and give the customer cash First control means for causing
When it is determined that the withdrawal amount is equal to or greater than a predetermined limit, the cash processing unit is controlled to count cash less than the limit with a cash counting unit, and cash less than the counted limit is served to customers. While performing the process of accumulating in the mouth,
In parallel processing with the above processing, it communicates with the host computer to determine whether the information necessary for the transaction is valid, and if it is determined to be valid, then controls the cash processing unit. Then, the remaining cash is counted by the cash counting unit, the counted cash is accumulated at the customer service port, and the second control means is provided for performing a process of opening the customer service shutter and delivering the cash to the customer. ,
An automatic transaction apparatus characterized by that. A cash storage unit for storing cash, a cash counting unit for counting cash, a service opening for giving and receiving cash to a customer, and a customer service that is provided at the service opening and that can be opened and closed to block the inside of the service opening from the outside of the device A cash processing unit having a mouth shutter;
A customer operation unit operated by the customer during the transaction;
To automatic transaction equipment equipped with a control unit that performs various controls during transactions,
If it is determined whether the withdrawal amount input from the customer by the operation of the customer operation unit is equal to or greater than a predetermined limit, and if it is determined that it is less than the predetermined limit, the necessary information from the customer operation unit is When input, the cash processing unit is controlled, the cash of the withdrawal amount is counted by a cash counting unit, and the process of accumulating the counted cash at the customer service is performed, Communication with the host computer is performed to determine whether the information necessary for the transaction is valid. When it is determined that the information is valid, a process of opening the customer service shutter and delivering cash to the customer is performed. A first procedure to be performed;
When it is determined that the withdrawal amount is equal to or greater than a predetermined limit, it is determined whether the information necessary for the transaction is valid by communicating with the host computer, and is determined to be valid. After that, the cash processing unit is controlled to count the cash of the withdrawal amount at the cash counting unit, accumulate the counted cash at the customer service port, open the customer service shutter, and deliver the cash to the customer A computer-readable recording medium on which a program for executing the second procedure is recorded.

Images