JP4403866B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that displays a transaction screen on a display unit and performs a transaction with a customer.

The conventional automatic teller machine displays the procedure of the customer's action by displaying the two-dimensional image of the entire device and the two-dimensional image of the action on the transaction screen for prompting the customer's action such as cash and card receiving screen on the display unit. (For example, refer to Patent Document 1).
JP-A-5-101255 (paragraph 0010-paragraph 0013, second page, FIG. 6)

  However, in the above-described conventional technology, the image displayed on the display unit is a two-dimensional image. Therefore, when the image of the entire apparatus is displayed on the transaction screen, the image is different from the substance. For example, when a screen prompting the customer's action such as inserting a transaction card is displayed, it is difficult for beginners and elderly people to understand the insertion location and insertion direction of the transaction card. There is a problem that it may not be understood.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide means by which a customer can easily understand how to handle an automatic teller machine.

In order to solve the above problems, the present invention provides a main control unit and a display unit, and displays a transaction screen on the display unit to capture a customer face image. The main control unit detects a customer's gaze direction, and generates a three-dimensional image of the customer's visual field in the gaze direction detected by the gaze direction detection unit. Generating means, and the visual line direction detecting means calculates the visual line direction when viewing the apparatus body from the visual point height recognizing means for recognizing the viewpoint height of the customer and the visual point height recognizing means. Line-of-sight direction calculating means, and when the main control unit displays a transaction screen for prompting the customer's action, the eye position of the customer's face image taken by the camera unit is extracted and extracted. Based on the position of the eye, the viewpoint height recognition means Save in association with customer perspective height and the customer's face image identified, and characterized by displaying the three-dimensional image in which the three-dimensional visual field image generating means has generated on the display unit.

  As a result, when the customer handles the automatic transaction apparatus, the present invention can easily act by moving the hand according to the three-dimensional image displayed on the display unit. The effect that the method can be easily understood is obtained.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a perspective view showing an automatic teller machine according to the first embodiment, and FIG. 2 is a block diagram showing the automatic teller machine according to the first embodiment.
1 and 2, reference numeral 1 denotes an automatic teller machine as an automatic transaction apparatus, which is installed in a branch such as a bank or other financial institution or a convenience store (referred to as a financial institution) or a store such as a sales office. Automatically conducts cash transactions with.

Reference numeral 2 denotes a host computer as a host device installed in a center such as a financial institution, which is connected to an automatic teller machine 1 installed in a store via a communication line such as a dedicated line or a telephone line. We manage customer accounts by holding customer information such as account numbers, their PINs, and account balances.
Reference numeral 3 denotes a main control unit of the automatic teller machine 1, which is connected to the host computer 2 via a communication line, and controls each part in the automatic teller machine 1 to execute transaction processing and the like, and data communication, etc. Also controls.

Reference numeral 4 denotes a storage unit that stores a program executed by the main control unit 3, various data used for the program, a processing result by the main control unit 3, and the like.
Reference numeral 5 denotes a customer operation unit, which is installed in front of the automatic teller machine 1 and is composed of a combination of a display unit 6 such as an LCD and a position signal detection unit 7 such as a transparent touch panel. While a selection screen, various input screens, a screen for prompting the customer's treatment, and the like are displayed, the position signal detection unit 7 receives an input from the customer.

8 is a card handling unit as a transaction medium handling unit, which reads and writes card information as medium information recorded on a magnetic stripe of a transaction card as a transaction medium such as a customer's cash card inserted from the card insertion slot 9 And a function of printing transaction statement slips and the like.
Reference numeral 10 denotes a passbook handling unit as a transaction medium handling unit, which has a function of reading and writing passbook information as medium information recorded in a magnetic stripe of a passbook as a customer's transaction medium inserted from the passbook insertion slot 11. It has a function to record transaction details in the customer's passbook.

Reference numeral 12 denotes a banknote deposit / withdrawal unit, which accepts banknotes inserted by a customer through the banknote deposit / withdrawal port 13, discriminates and counts and stores the banknotes, and discharges banknotes to be paid to the customer from the banknote deposit / withdrawal port 13 and delivers them to the customer. It has a function.
Reference numeral 14 denotes a coin deposit / withdrawal unit that accepts coins inserted by a customer through a coin deposit / withdrawal port 15, discriminates and counts the coins, and stores the coins to be paid to the customer through the coin deposit / withdrawal port 15 and delivers them to the customer. It has a function.

Reference numeral 16 denotes a camera unit that is installed on the front face of the automatic teller machine 1 so as to face the customer, and includes a camera 17 that captures the customer's face as an image by a plurality of pixels such as a CCD (Charge Coupled Device). The camera 17 photographs the customer in a state where the optical conditions such as the angle of view and the focus, the installation height, and the photographing direction (optical axis) are fixed.
In the storage unit 4 of the above automatic teller machine 1, an application program having a function of recognizing the height of the viewpoint of the customer is recognized in a normal transaction processing program for performing various transactions with the customer in advance. An “application” having an application program having a function of calculating the line-of-sight direction when the automatic teller machine 1 is viewed from the viewpoint height and an application program for generating a three-dimensional image of the field of view of the customer ’s line-of-sight ”Execution program” is stored, and viewpoint height recognition means, line-of-sight direction calculation means, and three-dimensional visual field image generation means are configured as hardware formed by these application programs and the main control unit 3, and viewpoint height recognition means And a line-of-sight direction calculating means constitute a line-of-sight direction detecting means.

The operation of the above configuration will be described.
The “business execution program” is stored in the storage unit 4 of the automatic teller machine 1 according to the present embodiment.
Further, the storage unit 4 uses the three-dimensional image shown in FIG. 3 used by the three-dimensional visual field image generation means, that is, the three-dimensional image created by using CAD (Computer Aided Design) or the like for the appearance of the main body of the automatic teller machine 1. Image data and three-dimensional image data of parts used on a transaction screen for prompting a customer's action such as transaction cards, banknotes, coins, transaction statement slips, and the like.

In addition, the code | symbol of each site | part shown in FIG. 3 attaches | subjects the suffix c to the code | symbol of each site | part of the automatic teller machine 1 of a present Example shown in the said FIG. Each part name is distinguished from each other by adding “CG” in front of it.
Further, the storage unit 4 includes the template 20 shown in FIG. 4 used by the viewpoint height recognition means for recognizing the customer's viewpoint height, and FIG. 4 used when the line-of-sight direction calculation means calculates the customer's line-of-sight direction. 5, preset dimension data is stored among the symbols shown in FIG. 6 (the meaning of the symbols will be described later).

The template 20 is a template having a shape similar to that of a human face formed from the feature that the human face has symmetry in a certain area and has eyes on the left and right about the symmetry axis. The eyeport 22 is arranged at a symmetrical position with the symmetry axis 21 sandwiched between the symmetry axis 21 that divides this into left and right.
The size of the template 20 is set in accordance with shooting conditions such as shooting timing by the camera unit 16 and optical conditions such as field angle and focus.

Below, the payment transaction process of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG.
A staff member of a financial institution or the like supplies power to each part of the automatic teller machine 1 by turning on the automatic teller machine 1 at the start of business or the like. Thereby, the “business execution program” stored in the storage unit 4 of the automatic teller machine 1 is automatically started.

S1, When the “business execution program” is activated, the main control unit 3 of the automatic teller machine 1 displays a transaction selection screen as an initial screen on the display unit 6 of the customer operation unit 5 and stands by.
On the transaction selection screen, a message prompting you to press the transaction key, a “draw” key for payment transactions, a “deposit” key for deposit transactions, a “transfer” key for transfer transactions, an account balance A transaction key for selecting a transaction, such as a "Balance inquiry" key for a balance inquiry transaction to inquire and a "Passbook entry" key for a passbook entry transaction for posting unfilled transaction data in the passbook, is displayed. Yes.

In this embodiment, a customer who makes a transaction selects a payment transaction from the display unit 6, and presses a “draw” key by the position signal detection unit 7.
S2, the main control unit 3 that has received the input of the transaction selected by the customer by the position signal from the position signal detection unit 7 recognizes that the customer has selected the payment transaction, and the camera unit 16 uses the face image of the customer And the viewpoint height H is recognized.

That is, the main control unit 3 uses the template 20 stored in the storage unit 4 to capture an image (referred to as a camera image) taken by the camera 17 of the camera unit 16 shown in FIG. The customer's face image is extracted by searching for an image having the same pattern as the template 20.
Then, using the position of the eye port 22 of the template 20 as the position of the customer's eye, the number of pixels Pb from the vertical reference end (the lower end in FIG. 4) is counted.

Here, Pa represents the total number of pixels in the vertical direction of the camera image.
In FIG. 5, S is the horizontal distance from the front end 1a of the automatic teller machine 1 of the camera 17, ΔS is the horizontal distance from the front end 1a of the automatic teller machine 1 to the position of the customer's eyes, and β is the camera. 17 is an angle measured from the horizontal direction of the optical axis 23, 2θ is a camera field angle of the camera 17, and Hc is a vertical distance of the camera 17 from the floor surface, that is, a height.

Further, in FIG. 6, 2γ represents the viewing angle of the customer, Ht represents the height of the card insertion slot 9 of the card handling unit 8, and St represents the horizontal distance from the front end 1 a of the automatic teller machine 1.
Each of these dimension data, the total number of pixels indicated by Pa, and the height and horizontal distance of other parts such as the banknote deposit / withdrawal port 13 other than the card insertion port 9 shown in FIG. Yes.
Note that ΔS and γ in this embodiment are set based on average values, etc., taking into account that there are few individual differences in the standing position and viewing angle when a customer who makes a transaction with the automatic teller machine 1 looks at the display unit 6. It is a fixed value.

The main control unit 3 that has counted the number of pixels in the vertical direction and the horizontal direction reads the dimensions of the symbols stored in the storage unit 4 and reads the customer's viewpoint height H (the floor corresponding to the position of the customer's eyes). The vertical distance from the surface is calculated as follows.
In FIG. 5, the distance from the intersection of the optical axis 23 of the camera and the vertical line at a distance of S + ΔS in the horizontal direction to the camera 17 is L, and the image of the camera image is in a direction perpendicular to the optical axis 23 with the intersection as the center. Assuming the surface 24, the length of the camera angle of view 2θ is the length A in the vertical direction of the camera image, the angle from the optical axis 23 to the position of the customer's eyes is α, and the camera in the direction of the angle α If the distance between 17 and the image plane 24 is K, the viewpoint height H is

It is represented by Here, the length B in the vertical direction of the eyeport 22 extracted above is

And

Therefore, substituting Equations (2) to (6) into Equation (1),

The viewpoint height H is recognized by extracting the customer's face image from the template 20 and knowing the number of pixels Pb in the vertical direction of the eyeport 22.
S3, the main control unit 3 that has recognized the viewpoint height H temporarily stores the viewpoint height H in the storage unit 4 and stores it to determine the display angle of the card insertion screen displayed on the display unit 6 as the next screen. The height Ht and the horizontal distance St of the card insertion slot 9 stored in the section 4 are read out, and from these, the viewpoint height H obtained by the equation (7) and the horizontal distance ΔS from the front end 1a, the customer Is determined as follows.

In FIG. 6, the coordinates of the customer's eyes are represented by (ΔS, H) with reference to the front end 1a and the floor surface, and similarly the coordinates of the card insertion slot 9 are represented by (−St, Ht). .
Therefore, the neck angle Q is

Is required.
The neck angle Q thus determined coincides with the line-of-sight direction when the customer tries to insert a transaction card into the card insertion slot 9. Thus, the customer's line-of-sight direction is calculated, and the customer's line-of-sight direction is detected.
S4, the main control unit 3 that has detected the line-of-sight direction of the card insertion screen uses the neck angle Q obtained by the equation (8) as the display angle, and puts the customer in the center of the front width W of the automatic teller machine 1 shown in FIG. 3 is a three-dimensional image of the CG cash dispenser 1c shown in FIG. 3, with the x coordinate in FIG. 3 being S + ΔS and the y coordinate being the center of the front width W of the cash dispenser 1, that is, W / 2, z A three-dimensional image of the CG cash dispenser 1c viewed from the standing position of the customer in the direction of the line of sight is generated by rotating by coordinate transformation centered on the coordinate point with the recognized viewpoint height H, and the storage unit 4 3D images of the CG transaction card in the same manner are generated and synthesized, and the customer's viewing angle 2γ stored in the storage unit 4 is read out, and the corresponding part is cut out to obtain a 3D view of the customer's field of view. Generate an image.

The main control unit 3 that has generated the 3D image of the customer's field of view displays the generated 3D image and the guidance prompting the display area 25 for the insertion of a transaction card and the “Cancel” key for canceling the transaction. The card insertion screen shown in the display unit 6 of FIG. 8 is displayed.
The customer confirms the position of the card insertion slot 9 of the automatic teller machine 1 according to the position of the CG card insertion slot 9c of the displayed three-dimensional image, and inserts the transaction card into the card insertion slot 9.

The main control unit 3 that has detected this reads the card information such as the account number of the customer recorded in the magnetic stripe of the transaction card by the card handling unit 8.
When the customer presses the “Cancel” key, the main control unit 3 recognizes this by the position information detection unit 7, and when a transaction medium is inserted, the main control unit 3 discharges it from each transaction medium handling unit. , The payment transaction process is terminated, the process returns to step S1, a transaction selection screen is displayed on the display unit 6, and the process waits. The same applies when the “cancel” key is pressed in another step.

In step S5, the main control unit 3 that has read the card information displays a personal identification number input screen on the display unit 6 and prompts the user to input the personal identification number.
The personal identification number input screen in this case is the same as the normal personal identification number input screen, and the guidance display area 25 is enlarged to the entire screen of the display unit 6, and a message for prompting the input of the personal identification number and a personal identification number display field. A numeric keypad for the input, a “correction” key for correcting an input error, a “cancel” key for canceling the transaction, and the like are displayed. The customer inputs a password using a numeric keypad.

S6, The main control unit 3 that has recognized the input of the personal identification number displays the same payment amount input screen as usual on the display unit 6 and prompts the input of the payment amount.
On the payment amount input screen, a message prompting you to enter the payment amount, a payment amount display field, a numeric keypad for the input, a “ten thousand” key, a “thousand” key, “yen” to enter the unit of the amount A “correction” key for correcting a key and input error, a “confirmation” key for instructing the end of input, and a “cancel” key for canceling the transaction are displayed. The customer inputs the payment amount using the numeric keypad and presses the “confirm” key.

S <b> 7, the main control unit 3 that detects this executes communication processing for the payment transaction with the host computer 2. Since the operation of the communication process is the same as in the normal case, the description thereof is omitted.
S8. The main control unit 3 that is permitted to pay cash to the customer by the communication process executes the payout process.

That is, the main control unit 3 counts and pays out cash corresponding to the input payment amount from the banknote deposit / withdrawal unit 12 and the coin deposit / withdrawal unit 14 and temporarily sends them to the banknote deposit / withdrawal port 13 and the coin deposit / withdrawal port 15. In addition to waiting, print data is created based on the transaction content and the like, sent to the card handling unit 8, and the card handling unit 8 prints the print data on the transaction statement slip.
In parallel with S9, the main control unit 3 performs the same gaze direction calculation as in step S3.

  That is, the main control unit 3 reads the viewpoint height H temporarily stored in step S3 and stores it in the storage unit 4 in order to determine the display angle of the cash and card receiving screen displayed on the display unit 6 as the next screen. The height and horizontal distance of the card insertion slot 9, the banknote deposit / withdrawal slot 13 and the coin deposit / withdrawal slot 15 are read out, the average value of these heights and the horizontal distance is obtained, and this average value and the read viewpoint height H are read out. And the horizontal distance ΔS are used to determine the customer's neck angle Q in the same manner as in step S3.

The neck angle Q obtained in this way matches the line-of-sight direction when the customer tries to receive a transaction card, transaction statement and cash. As a result, the line-of-sight direction of the customer is calculated and detected.
S10, the main control unit 3 that has detected the line-of-sight direction of the cash and card receiving screen generates a three-dimensional image of the CG cash dispenser 1c viewed in the line-of-sight direction in the same manner as in step S4. Three-dimensional image generated on the display unit 6 by synthesizing with a three-dimensional image of a CG transaction card, transaction statement slip, banknote, coin and cutting out a portion corresponding to the customer viewing angle 2γ to generate a three-dimensional image of the customer's field of view. In the image and its guidance display area 25, a cash and a card receipt screen displaying a message prompting receipt of a transaction card, cash, etc. are displayed, and the cash that has been temporarily held is displayed in the banknote deposit / withdrawal slot 13 and the coin deposit / withdrawal slot 15. While opening, the transaction card and transaction statement slip are discharged from the card insertion slot 9.

Depending on the position of the displayed CG card insertion slot 9c, CG banknote deposit / withdrawal slot 13c, and CG coin deposit / withdrawal slot 15c, the customer inserts the card insertion slot 9, the banknote deposit / withdrawal slot 13, and the coin of the automatic teller machine 1 The position of the deposit / withdrawal port 15 is confirmed, and a transaction card, transaction statement slip, and cash are received.
The main control unit 3 confirms that the customer has received them, ends the payment transaction process, returns to step S1, displays a transaction selection screen on the display unit 6 of the customer operation unit 5, and stands by.

  As described above, in this embodiment, the transaction screen that prompts the customer's actions such as the insertion of the card by the customer in the card insertion screen in step S4, the cash in step S10, the receipt of the cash or the card by the customer in the card reception screen, etc. 3 is displayed on the display unit 6 for easy understanding of the action, and when the password input screen in step S5 or the payment amount input screen in step S6 is operated, the screen 3 is displayed. A normal screen is displayed without displaying a three-dimensional image.

In this case, when the PIN number and the payment amount are input using a numeric keypad directly provided on the main body of the automatic teller machine 1, the three-dimensional image in that case is displayed in the same manner as described above. Good.
In this embodiment, the payment transaction is described as an example, but the same applies to other transactions such as a deposit transaction.

  Further, in this embodiment, the viewpoint height recognition means (step S2) for recognizing the viewpoint height of the customer and the gaze direction calculation means (step S3) for calculating the gaze direction when the apparatus main body is viewed from the viewpoint height. Although it has been described that the line-of-sight direction of the customer is detected, the line-of-sight direction detection means is not limited to the above, and may be a line-of-sight direction detection means having a function of estimating the line-of-sight direction from the position of the customer's face or head.

  As described above, in this embodiment, the direction of the line of sight is detected from the customer's face image, and the display unit displays a three-dimensional image that substantially matches the automatic teller machine that can be seen by the customer. Can handle the automatic teller machine by moving the hand according to the 3D image displayed on the display unit, and the customer can easily understand how to handle the automatic teller machine. be able to.

In addition, when a customer needs to act on a number of parts such as transaction cards, banknotes, and coins, the customer is confused about where to look, but a three-dimensional image that closely matches the actual appearance is displayed. Because it is displayed in the department, you can act with peace of mind.
In the present embodiment, it has been described that the customer's line-of-sight direction is detected assuming that the customer is standing at the front center of the automatic teller machine. However, in FIG. 4, the number of pixels Pb at the customer's eye position is counted using the template. Sometimes, the position of the axis of symmetry of the template is the center of the customer's face, and the number of pixels Pe from the horizontal reference end (the right end in FIG. 4) is also counted, so that the total number of pixels Pd in the vertical direction of the camera image is counted. May be stored in the storage unit, and the customer's line-of-sight direction may be detected in consideration of the standing position of the customer in the left-right direction.

In this case, when displaying a transaction screen for prompting the customer's action, the horizontal position on the customer's camera image, that is, the horizontal pixel number Pe described above is read to the left and right of the customer's automatic teller machine. By displaying a three-dimensional image taking into account the movement of the customer, the understanding of the customer can be further facilitated.
In addition, using the camera unit, the customer's behavior, for example, “I inserted a card with my left hand” or “I was holding a card with my palm up” was analyzed by image analysis. A combined three-dimensional image may be generated and displayed.

Furthermore, in the present embodiment, it has been described that the position of the customer's eyes is extracted using the template. However, the position of the customer's eyes is detected in the process of collecting the iris data by providing a camera for iris (iris) recognition in the camera unit. You may make it do.
Furthermore, in the present embodiment, it has been described that the customer's line-of-sight direction is calculated according to the customer's action part when displaying the transaction screen for prompting the customer's action, but the customer's line-of-sight direction calculated in step S3 is set as the display direction. You may always use it in the transaction of the customer.

In this case, the coordinates of the part of the apparatus main body for calculating the line-of-sight direction are stored in the storage part as the average value of each part of the customer's action part such as the card insertion slot or the statistically obtained customer's viewing position. It is good to keep. Thereby, the calculation time when displaying a three-dimensional image can be shortened, and transaction time can be shortened.
Furthermore, in the present embodiment, it has been described that the viewpoint height of the customer is recognized according to the position of the customer's eyes, but the viewpoint position may be recognized as follows.

FIG. 9 is an explanatory diagram illustrating another viewpoint height recognition method according to the first embodiment.
In FIG. 9, the camera image is divided and set into three areas 27, 28, and 29, and the face image of the customer is searched using the template 20 in the same manner as in step S2, and the position of the eyeport 22 is determined. The customer's viewpoint height H set as the center of the region is recognized according to which of the three regions 27, 28, and 29 belongs to. That is, the viewpoint height H is set for each area in advance, and when Pb is counted, the area is identified and the viewpoint height H is immediately recognized. Thereby, the calculation of the viewpoint height H can be omitted, and the transaction time can be further shortened.

The number of camera image divisions in this case is not limited to the above three, but may be two or four or more. In short, any number of divisions may be used as long as the customer has no problem in understanding the action.
Furthermore, if the customer's face image photographed by the camera unit of this embodiment and the customer's viewpoint height recognized from the customer's face image are stored in association with each other, the fraudulent transaction will be made when there is fraud at a later date. The customer's face image and the height of the customer's viewpoint can be used to confirm the customer's face and the height of the customer's height, making it easy to identify the customer who made the illegal transaction effective.

FIG. 10 is a perspective view showing the automatic teller machine according to the second embodiment, and FIG. 11 is a block diagram showing the automatic teller machine according to the second embodiment.
In addition, the same part as the said Example 1 attaches | subjects the same code | symbol, and abbreviate | omits the description.
10 and 11, reference numeral 31 denotes a customer detection unit, which is installed near the upper center of the front end 1a of the automatic teller machine 1 and includes a proximity sensor 32 such as an ultrasonic type or an optical type. A customer approaching and leaving the deposit machine 1 is detected and the signal is transferred to the main control unit 3.

The operation of the above configuration will be described.
In the storage unit 4 of the automatic teller machine 1 of the present embodiment, the “business execution program” similar to that of the first embodiment, the three-dimensional image and the viewpoint height recognition means shown in FIG. 3 recognize the customer's viewpoint height. The dimension data used for is stored.
In this embodiment, when a staff member such as a financial institution turns on the automatic teller machine 1 in the same manner as in the first embodiment and the “business execution program” is automatically started, the main control unit 3 The energy saving mode screen is displayed on the display unit 6 of the teller machine 1 and waits for the proximity sensor 32 of the customer detection unit 31 to detect the customer. The proximity sensor 32 detects the customer and the signal is transferred. When this is done, a transaction selection screen as an initial screen is displayed on the display unit 6, and a customer's face image is photographed by the camera unit 16 in the same manner as in step S2, and the viewpoint height H is recognized.

Then, the customer presses the selection key from the transaction selection screen, accepts the input of the transaction, and proceeds to step S3 of the first embodiment.
Since the subsequent operation is the same as the operation of steps S3 to S10 of the first embodiment, the description thereof is omitted.
In this case, when the transaction with the customer is completed, a transaction selection screen as an initial screen is displayed, and when the standby state continues for a certain time or longer, the mode is switched to the energy saving mode and waits.

  As described above, in this embodiment, in addition to the same effects as in the first embodiment, when the customer is detected by the proximity sensor, the camera unit captures the customer's face image and recognizes the viewpoint height, By using this to detect the direction of the customer's line of sight, the height of the line of sight can be recognized when the customer stands within the detection range of the proximity sensor, and the customer's face image standing at an appropriate position Can be taken.

Instead of the proximity sensor of the present embodiment, the camera is made ready to shoot, and when the camera captures the customer's image, the approach of the customer is detected and the viewpoint height recognition of the present embodiment is performed. May be.
Further, in the case where the gaze direction detecting means for estimating the gaze direction from the position of the customer's face or head described in the first embodiment is used, the customer's gaze direction is detected when the proximity sensor detects the customer.

The automatic teller machine 1 of the present embodiment is the same as that of the first embodiment.
The operation of the above configuration will be described.
In the storage unit 4 of the automatic teller machine 1 of the present embodiment, the “business execution program” similar to that of the first embodiment, the three-dimensional image and the viewpoint height recognition means shown in FIG. 3 recognize the customer's viewpoint height. The dimension data used for is stored.

The storage unit 4 also displays the display angle of the CG cash dispenser 1c when the card insertion slot 9 is viewed from the average customer viewpoint height H or the statistically calculated customer viewpoint height H, and others. The display angle of each action part (referred to as each part display angle) is preset and stored.
Below, the payment transaction process of a present Example is demonstrated according to the step shown by SA using the flowchart shown in FIG.

SA1, when the “business execution program” is started in the same manner as in step S1 of the first embodiment, the main control unit 3 of the automatic teller machine 1 stands by displaying a transaction selection screen as an initial screen, and the customer pays. Select a transaction and press the “Withdraw” key.
SA2, the main control unit 3 that has received the input of the transaction selected by the customer based on the position signal from the position signal detection unit 7 recognizes that the customer has selected the payment transaction, and displays on the screen of the display unit 6 as shown in FIG. A similar card insertion screen is displayed.

The three-dimensional image of the CG automatic teller machine 1c and the like in this case is a three-dimensional image generated at each part display angle of the card insertion slot 9 stored in the storage unit 4.
The customer confirms the position of the card insertion slot 9 of the automatic teller machine 1 according to the position of the CG card insertion slot 9c of the displayed three-dimensional image, and inserts the transaction card into the card insertion slot 9.
SA3, the main control unit 3 that has detected this reads the card information of the transaction card by the card handling unit 8, and takes a viewpoint of the customer's face image by the camera unit 16 as in step S2 of the first embodiment. Recognize height H.

SA4, the main control unit 3 that has recognized the viewpoint height H calculates the customer's line-of-sight direction, that is, the display angle by obtaining the customer's neck angle Q in the same manner as in step S3 of the first embodiment, and this is calculated as the card insertion slot. 9 is compared with the display angle of each part, and the difference is set as a corrected display angle. The corrected display angle is temporarily stored in the storage unit 4.
In parallel with SA5 and steps SA3 and SA4, the main control section 3 after reading the card information displays a password input screen and prompts for the input of the password as in step S5 of the first embodiment. The customer inputs a password using a numeric keypad.

Subsequent operations at Steps SA6 to SA10 are the same as the operations at Steps S6 to S10 in the first embodiment, and a description thereof will be omitted.
In this case, when calculating the line-of-sight direction in step SA9, the main control unit 3 reads the corrected display angle temporarily stored in step SA4, and displays the display angle of each part of the cash and card receiving screen to be displayed as the next screen. The visual line direction of the customer is calculated and detected from the display angle corrected based on the above.

As described above, in the present embodiment, in addition to the same effects as in the first embodiment, by detecting the line-of-sight direction when the customer inserts the card, the display angle of each part is further corrected. The actual customer's line-of-sight direction can be detected, and the customer's handling method of the automated teller machine can be further facilitated.
When the gaze direction detecting means for estimating the gaze direction from the position of the customer's face or head described in the first embodiment is used, the difference between the gaze direction thus obtained and the display angle of each part is used as the corrected display angle. That's fine.

  Further, in this embodiment, it is described that the customer's face image is captured by the camera unit when the customer inserts the transaction card and the viewpoint height H is recognized. / Or the customer's viewpoint height H or the viewpoint height H statistically determined from the customer's height is recorded in advance in the passbook, and the viewpoint height H recorded in this transaction medium when calculating the customer's line-of-sight direction May be used. Thus, even in an automatic teller machine that does not have a camera unit, the same effect as in the first embodiment can be obtained, and the automatic teller machine can be simplified.

FIG. 13 is a perspective view showing the automatic teller machine according to the fourth embodiment.
In addition, the same part as the said Example 1 attaches | subjects the same code | symbol, and abbreviate | omits the description.
In FIG. 13, reference numeral 35 denotes a touch switch as an instruction input means, which is a switch on the screen for instructing whether or not the customer displays a three-dimensional image that matches the viewpoint height H of the customer. The three-dimensional image displayed in the guidance display area 25 of the unit 6 can be switched to a three-dimensional image that matches the viewpoint height H of the customer.

The operation of the above configuration will be described.
In the storage unit 4 of the automatic teller machine 1 of the present embodiment, the “business execution program” similar to that of the first embodiment, the three-dimensional image and the viewpoint height recognition means shown in FIG. 3 recognize the customer's viewpoint height. The dimension data used for is stored.
In addition, the storage unit 4 stores a standard display angle in which the average value of each part of the customer's action site such as the card insertion slot 9 of the automatic teller machine 1 or a statistically obtained position of the customer's viewing is used as a display angle. A display angle storage area for storing the display angle is secured. A standard display angle is stored as an initial value in the display angle storage area.

Hereinafter, the payment transaction process of the present embodiment will be described according to the steps indicated by SB, using the flowchart shown in FIG.
SB1, when the “business execution program” is started in the same manner as in step S1 of the first embodiment, the main control unit 3 of the automatic teller machine 1 displays a transaction selection screen as an initial screen and stands by, and the customer pays. Select a transaction and press the “Withdraw” key.

SB2, the main control unit 3 that receives the input of the transaction selected by the customer by the position signal from the position signal detection unit 7 recognizes that the customer has selected the payment transaction, and displays the screen of the display unit 6 in FIG. The card insertion screen shown on the display unit 6 is displayed.
The three-dimensional image of the CG card insertion slot 9c and the like in this case is a three-dimensional image generated at the display angle (standard display angle in this step) stored in the display angle storage area of the storage unit 4, and the display unit The guidance display area 25 of 6 displays a word prompting insertion of a transaction card, a touch switch 35, its operation method, and a “cancel” key for canceling the transaction.

In this case, the automatic teller machine 1 may be provided with a speaker to notify the operation method of the touch switch 35 by voice.
SB3, the customer inserts a transaction card into the card insertion slot 9 when the position of the card insertion slot 9 of the automatic teller machine 1 can be confirmed by the position of the CG card insertion slot 9c of the displayed three-dimensional image. The main control unit 3 that has detected this reads the card information and proceeds to step SB7.

If the customer depresses the touch switch 35 because the 3D image displayed before inserting the transaction card cannot understand the handling of the automatic teller machine 1, etc., the main control unit 3 recognizes this and performs steps. Branch to SB4.
When the customer presses the “cancel” key after pressing the touch switch 35, the main control unit 3 recognizes this by the position information detection unit 7, and when a transaction medium is inserted, the respective transaction medium The product is discharged from the handling unit and returned to the customer, and the display angle in the display angle storage area is returned to the standard display angle stored in the storage unit 4 to end the payment transaction process, and the process returns to step SB1 to return to the customer operation unit 5 The display unit 6 displays a transaction selection screen and waits. The same applies when the “cancel” key is pressed in another step of the present embodiment.

SB4, the main control unit 3 recognizing that the touch switch 35 has been pressed hides the touch switch 35, and in the same manner as in step S2 of the first embodiment, the camera unit 16 captures the customer's face image and the viewpoint. Recognize height H.
SB5, the main control unit 3 that has recognized the viewpoint height H calculates the customer's line-of-sight direction, that is, the display angle by obtaining the customer's neck angle Q in the same manner as in step S3 of the first embodiment, and stores this display angle. Write to the area to change the display angle.

SB6, and the main control unit 3 generates a three-dimensional image of the customer's field of view with the changed display angle in the same manner as step S4 of the first embodiment using the changed display angle, and inserts the CG card displayed at step SB2. The three-dimensional image such as the mouth 9c is switched to a three-dimensional image having a changed display angle.
The customer confirms the position of the card insertion slot 9 of the automatic teller machine 1 based on the position of the CG card insertion slot 9c of the switched three-dimensional image, and inserts the transaction card into the card insertion slot 9. The main control unit 3 that has detected this reads the card information and proceeds to step SB7.

In step SB7, the main control unit 3 that has read the card information displays a personal identification number input screen in the same manner as in step S5 in the first embodiment, prompts the user to input the personal identification number, and the customer inputs the personal identification number using the numeric keypad.
Subsequent operations of Steps SB8 to SB10 are the same as the operations of Steps S6 to S8 of the first embodiment, and thus description thereof is omitted.

  In parallel with the SB 11 and the payout process, the main control unit 3 reads the display angle stored in the display angle storage area, and displays the three-dimensional image of the cash of the display angle, the CG cash dispenser 1 etc. on the card receipt screen. The generated three-dimensional image is displayed on the display unit 6, and the guidance display area 25 is displayed with a word prompting receipt of a transaction card, cash, etc., and a cash / card receiving screen displaying the touch switch 35 and its operation method. The banknote deposit / withdrawal port 13 and the coin deposit / withdrawal port 15 are opened for the cash that has been temporarily held, and the transaction card and transaction statement slip are discharged from the card insertion port 9.

  SB12, when the customer can confirm the position of the card insertion slot 9 of the automatic teller machine 1 by the position of the CG card insertion slot 9c of the displayed three-dimensional image, the transaction card, the transaction statement, and cash are received, The main control unit 3 confirming this receipt returns the display angle in the display angle storage area to the standard display angle stored in the storage unit 4 to end the payment transaction processing, returns to step SB1, and selects the transaction on the display unit 6. Display the screen and wait.

When the customer presses the touch switch 35 because the customer cannot understand the handling of the automatic teller machine 1 in the three-dimensional image displayed before receiving the transaction card or the like, the main control unit 3 recognizes this. The process branches to step SB13.
The main control unit 3 that has recognized the pressing of the SB 13 and the touch switch 35 recognizes the viewpoint height H of the customer in the same manner as in the above step SB4.

The main control unit 3 that has recognized the SB 14 and the viewpoint height H calculates the display angle in the same manner as in the above step SB5, and writes this in the display angle storage area to change the display angle.
The SB 15 and the main control unit 3 use the changed display angle to generate a three-dimensional image of the customer's field of view with the changed display angle in the same manner as in step S10 of the first embodiment, and the CG cash automatic deposit displayed at step SB11. The three-dimensional image of the payer 1c or the like is switched to a three-dimensional image with a changed display angle.

  The customer confirms the receipt of the transaction card, transaction statement, and cash by confirming the position of the card insertion slot 9 etc. of the automatic teller machine 1 by the position of the CG card insertion slot 9c of the switched three-dimensional image. The main control unit 3 returns the display angle of the display angle storage area to the standard display angle stored in the storage unit 4 to end the payment transaction process, returns to step SB1, and displays the transaction selection screen on the display unit 6. And wait.

  As described above, in this embodiment, in addition to the same effects as in the first embodiment, a touch switch for instructing whether or not to display a three-dimensional image that matches the customer's viewpoint height is provided. Therefore, the display angle of the 3D image displayed on the display unit can be switched by the customer's intention, and the transaction time of the customer who has been handled by an automatic teller machine that does not require switching of the display angle. Shortening can be achieved.

Further, by making the touch switch invisible when the touch switch is pressed, erroneous operation of the touch switch can be prevented.
In this embodiment, the touch switch is described as being displayed in the guidance display area. However, the position where the touch switch is displayed is not limited to the above, and is an area where the position signal detection unit of the display unit is effective. Any position that does not hinder visual recognition may be displayed.

Further, a button switch 37 as an instruction input unit shown in FIG. 15 is provided in the vicinity of the customer operation unit 5 instead of the touch switch 35 to instruct whether or not to display a three-dimensional image that matches the customer's viewpoint height H. You may do it.
In this case, regardless of the display content of the display unit 6 when the button switch 37 is pressed, the viewpoint height H of the customer is recognized in the same manner as described above by interrupt processing or parallel processing, and the display angle is calculated. If the display angle of the display angle storage area is changed, the switching display function can be effectively utilized at any time.

Furthermore, the necessity of displaying a three-dimensional image with a display angle matching the customer's viewpoint height H is recorded in the medium information of the transaction medium such as a transaction card, and when the customer's transaction card or passbook is inserted You may make it switch the display angle of transaction screens, such as a card insertion screen, according to the necessity of a display. Thereby, the same effect as Example 3 can be acquired.
In each of the above embodiments, the transaction medium has been described as a transaction card or passbook that records medium information as magnetic data in a magnetic stripe. However, the transaction medium is not limited to the above, and a contact-type or non-contact-type IC chip is mounted. It may be a transaction card or a passbook.

In this case, the medium information is recorded in the recording part of the IC chip, and the medium handling part of the automatic teller machine 1 has a function of reading / writing the medium information by contact or non-contact means independently or magnetic data reading / writing. Be prepared to add to the function.
In each of the above embodiments, the automatic transaction apparatus is described as an automatic teller machine. However, the automatic transaction apparatus is not limited to the above, and is an automatic ticket vending machine such as a ticket or a ticket, an automatic vending machine, an information guidance apparatus, or the like. Also good.

Furthermore, although it has been described that the three-dimensional image is used by rotating the image data of the three-dimensional image created by CAD or the like by coordinate transformation, a video image of a still image or a moving image that is taken in advance assuming a plurality of customer viewpoint heights. Can be stored in the storage unit, and a video image with a viewpoint height close to the viewpoint height recognized by the main control unit can be displayed, and the same effect as the present invention can be obtained.
Furthermore, although it has been described that the display of the three-dimensional image is displayed to the customer who handles the automatic transaction apparatus, a part requiring maintenance or an abnormality has occurred in the display unit such as the clerk operation unit of the automatic teller machine used by the maintenance staff. If the three-dimensional image of the part is displayed by recognizing the viewpoint height of the maintenance staff in the same manner as described above, the same effect as that of the present invention can be obtained for the maintenance staff, and the workability of the maintenance staff is improved. Can be improved.

The perspective view which shows the automatic teller machine of Example 1 The block diagram which shows the automatic teller machine of Example 1 Explanatory drawing which shows the three-dimensional image of the automatic teller machine of Example 1. Explanatory drawing which shows the camera image of Example 1. Explanatory drawing which shows the recognition method of the viewpoint height of Example 1. FIG. Explanatory drawing which shows the detection method of the gaze direction of Example 1. FIG. The flowchart which shows the payment transaction processing of Example 1. Display example of the card insertion screen of the first embodiment Explanatory drawing which shows the recognition method of the other viewpoint height of Example 1. FIG. The perspective view which shows the automatic teller machine of Example 2 The block diagram which shows the automatic teller machine of Example 2 The flowchart which shows the payment transaction process of Example 3. The perspective view which shows the automatic teller machine of Example 4 The flowchart which shows the payment transaction process of Example 4. The perspective view which shows the automatic teller machine of the other form of Example 4.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash dispenser 2 Host computer 3 Main control part 4 Memory | storage part 5 Customer operation part 6 Display part 7 Position signal detection part 8 Card handling part 9 Card insertion slot 10 Passbook handling part 11 Passbook insertion slot 12 Banknote depositing / withdrawing part 13 Banknote Deposit / withdrawal port 14 Coin deposit / withdrawal unit 15 Coin deposit / withdrawal port 16 Camera unit 17 Camera 20 Template 21 Axis of symmetry 22 Eye port 23 Optical axis 24 Image plane 25 Guidance display unit 27, 28, 29 Region 31 Customer detection unit 32 Proximity sensor 35 Touch switch 37 Button switch

Claims (1)

In an automatic transaction apparatus comprising a main control unit and a display unit, displaying a transaction screen on the display unit and performing a transaction with a customer,
A camera unit that captures customer face images
The main control unit includes gaze direction detection means for detecting a customer's gaze direction, and a 3D visual field image generation means for generating a 3D image of the customer's visual field in the gaze direction detected by the gaze direction detection means,
The line-of-sight direction detection means includes a viewpoint height recognition means for recognizing a customer's viewpoint height, and a line-of-sight direction calculation means for calculating a line-of-sight direction when the apparatus body is viewed from the viewpoint height recognized by the viewpoint height recognition means. Consists of
When the main control unit displays a transaction screen that prompts the customer to act, the eye position of the customer's face image captured by the camera unit is extracted, and the viewpoint height is determined based on the extracted eye position. An automatic transaction characterized in that the customer's viewpoint height recognized by the recognition means and the customer's face image are stored in association with each other, and the 3D image generated by the 3D visual field image generation means is displayed on the display unit. apparatus.