JP4432519B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that is installed in an unmanned corner or the like of a financial institution and executes a transaction by a customer operation.

In the conventional withdrawal transaction in this type of general automatic transaction apparatus, the denomination entered by the customer and the number of banknotes are fed out from the banknote storage and transported to the discrimination section to discriminate the denomination and model. The banknote after counting is transported and collected at the withdrawal port, and when the denomination and number of banknotes entered by the customer are accumulated at the withdrawal port, the bill is provided at the withdrawal port. The shutter is opened and the bill is paid to the customer (for example, see Patent Document 1).
Japanese Unexamined Patent Publication No. 2003-67808 (paragraph “0019” to paragraph “0024”, FIG. 2).

However, in the conventional technology described above, since the banknote is paid to the customer in the withdrawal transaction, it is easy for a third party behind to see the denomination of the banknote and the safety is high. There is a problem that can not be said.
In order to deal with such problems, a mirror for confirming the back is provided on the operation surface of the apparatus, and when the customer takes out the banknote, it is confirmed whether there is a person behind by the mirror, and after confirming safety, the banknote However, since it takes time to confirm the safety, the time required for one transaction is increased correspondingly, and the operation efficiency of the apparatus is lowered.

  The present invention aims to solve such problems.

Therefore, the present invention provides a shielding paper in an automatic transaction apparatus that pays out a banknote amount of money input by a customer from a banknote storage, transports it to a withdrawal port, and pays the accumulated withdrawal banknote to a user. When paying out withdrawal banknotes with an amount exceeding the preset standard value of withdrawal amount at the time of withdrawal transaction, the shielding paper is drawn out from the shielding paper compartment and withdrawn together with the banknotes. Accumulating in the mouth, the bill is sandwiched between shielding papers and paid to the customer.

In the present invention thus constructed, the withdrawal banknote is sandwiched between shielding papers and paid to the customer, so that the third party behind is not able to see the denomination of the banknote, and the safety is improved. can get.
In addition, it is possible to save time and labor for checking the presence of a person in the back, taking out the banknote after confirming safety, and eliminating the time required for safety confirmation. There is also an effect that it is possible to prevent a decrease in the operation efficiency of the apparatus.

  Hereinafter, the best mode of an automatic transaction apparatus according to the present invention will be described with reference to the drawings.

FIG. 1 is a schematic side view showing the internal configuration of an embodiment of an automatic transaction apparatus according to the present invention, and shows the configuration of a depositing and dispensing machine. FIG. 2 is a perspective view showing an appearance of the embodiment, and FIG. 3 is a perspective view showing a state of withdrawal of banknotes.
First, FIG. 2 will be described. In FIG. 2, reference numeral 1 denotes a housing of the apparatus. The housing 1 has a substantially L-shaped customer-facing portion at the upper part of the front surface. An insertion / discharge port 3 is provided, and a banknote deposit / withdrawal port 4 and a coin deposit / withdrawal port 5 are provided on the back side and a customer operation display unit 6 is provided on the front side of the horizontal surface (or an inclined surface close to horizontal) 1b of the customer service unit. Is provided.

  The customer operation display unit 6 has a display unit such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel as an input means arranged on the display unit. The information that is defined in the input key can be input by displaying the screen that displays the message to be guided and various input keys, and pressing the input key with a finger on the touch panel. Is also displayed.

In the housing 1, a passbook entry machine, a card reader printer, and a coin deposit / withdrawal corresponding to the passbook insertion / extraction port 2, the card insertion / extraction port 3, the banknote deposit / withdrawal port 4 and the coin deposit / withdrawal port 5 are provided. However, since these are not directly related to the present invention, description thereof is omitted.
Next, a banknote depositing and dispensing machine will be described with reference to FIG.

1 in 7 is openable shutters provided in the paper currency deposit and withdrawal port 4, 8 discriminating unit that performs depositing and dispensing banknotes of authenticity, denomination, discrimination and counting of bills for each denomination, such as positive losses, 9 is a plurality of banknote storages for storing banknotes by denomination, and 10 is a banknote for withdrawal from the banknote storage 9, and a banknote discriminated from a rejected banknote by a discrimination unit 8 by a discrimination unit 8 Rejected ticket storage for storing, 11 is a shielding paper storage for storing the shielding paper (shielding sheet) used in the present invention, and 12 is a banknote connecting these banknote deposit / withdrawal port 6, discrimination section 5 and storages 9-11. And a conveyance path for conveying the shielding paper, 13 is a control unit for controlling the entire automatic transaction apparatus, and this control unit 13 has a function of executing various transactions based on a program stored in a ROM (not shown) or the like. Yes.

Here, in the banknote deposit / withdrawal port 4, the banknotes deposited by the customer at the time of deposit transaction are separated and fed out one by one, and the banknotes that have passed through the discrimination unit 8 at the time of deposit transaction are billed / deposited. An accumulating means is provided for feeding into the mouth 4 and accumulating in the standing position.
The bill storage box 9 is here are provided three, but the invention is not limited to this number, receiving metal species need not be a one to one denomination, for example, have a multi-transaction volume ten thousand Arbitrary operations such as storing yen bills in two bill storage boxes 9 and storing thousand yen bills in one bill storage box are possible.

At the top of each bill storage 9, but is provided with the temporary accumulation sections to accumulate temporarily denomination banknotes for payment at the time of deposit transaction, so description thereof will not directly related to the present invention will be omitted.
The shielding paper used in the present invention is preferably the same as or slightly larger than the 10,000 yen bill having the largest shape, and plain paper can be used as this shielding paper.
Next, the operation of the output trading as a function of the configuration described above.

First, when a customer selects a withdrawal transaction on the transaction selection screen displayed on the customer operation display unit 6, and then inserts a card according to a screen prompting the card insertion displayed on the customer operation display unit 6, the card reading unit Customer information such as an account number is read from the magnetic stripe of the card and temporarily stored in a memory (not shown).
Next, when the customer inputs the password according to the screen prompting the password input displayed on the customer operation display unit 6 and further inputs the desired denomination and the number of each denomination, the control unit 13 inputs the denomination, An amount based on the number of copies, a personal identification number, and customer information stored in the memory are transmitted to the host computer, and a reply indicating whether or not the transaction is possible is awaited.

When a reply that can be traded is sent from the host computer to the control unit 13, first, one sheet of shielding paper is fed out from the shielding paper storage 11.
The fed-out shielding paper is conveyed by the conveyance path 12, passes through the discrimination unit 8, and is sent to the depositing / dispensing port 4 in a standing state by a collecting means (not shown).
Subsequently, the denomination and number of banknotes input by the customer are fed out one by one by a feeding means (not shown) from the corresponding banknote storage 9 and sequentially conveyed to the discrimination unit 8 through the conveyance path 12. Thus, discrimination of denominations and counting for each denomination are performed.
Here, the banknote discriminated from the rejected ticket due to unknown denomination or the like by the discriminating unit 8 is sent to the rejected ticket storage 10 via the transport path 12 and stored in the rejected ticket storage 10.
After normal banknotes whose denominations have been determined by the discriminating unit 8 are counted, they are conveyed to the deposit / withdrawal port 4 on the conveyance path 12 and sent to the deposit / withdrawal port 4 by a collecting means (not shown) and accumulated in a standing state. Is done.

When all the denominations and the number of banknotes input by the customer are accumulated in the deposit / withdrawal port 4, one sheet of shielding paper is again fed out from the shielding paper storage box 11. After being conveyed and passing through the discrimination section 8, the stacking means (not shown) is sent to the deposit / withdrawal port 4 in a standing state.
After that, the shutter provided at the deposit / withdrawal port 2b is opened, and the banknote is taken out by the customer. At this time, the banknote is sandwiched between two front and rear shielding sheets as shown in FIG. The banknote can be taken out without the third party seeing the denomination of the banknote, and the withdrawal process is completed when the shutter is closed after the banknote is taken out.

According to the embodiment described above, since the dispensed banknote is sandwiched between the shielding papers and paid to the user, the third party behind is not able to see the denomination of the banknote, and the safety is improved.
In addition, it is possible to save time and trouble to check whether there is a person in the back, check the safety and then take out the banknote, and it will not take time for safety confirmation, which may increase the time for one transaction. Thus, it is possible to prevent a decrease in the operation efficiency of the apparatus.

Further, since plain paper can be used as the shielding paper, it can be realized at low cost.
Note that the present invention is not limited to the above-described embodiment, and various utilization forms are conceivable.
For example, regardless of the withdrawal amount, the withdrawal banknote is not necessarily sandwiched between shielding papers, but a reference value for the amount is set, and the withdrawal banknote with an amount exceeding the reference value is sandwiched between shielding papers and paid to the customer. The customer operation display unit 6 may display a selection screen for selecting whether or not the banknotes are to be sandwiched between shielding papers for the withdrawal of the amount exceeding the reference value, and the customer may sandwich the papers with the shielding paper. When it selects, you may make it pay | pay a user by pinching | interposing a withdrawal banknote with shielding paper.

In addition, when VIP information is recorded on the customer's card, it is also possible to pay with a banknote between the withdrawal bills only for customers who make withdrawal transactions using the card on which this VIP information is recorded. Is possible.
Furthermore, in embodiment mentioned above, it is set as the structure which provided the shielding paper storage 11 which accommodated the shielding paper, but it has a check sheet storage which accommodated the check sheet in an automatic transaction apparatus, banknote jam etc. After recovering the failure, there is a function that detects the presence or absence of residual banknotes in the transport path by unloading the check sheet from the check sheet storage and running on the transport path. In the apparatus, it is also possible to use a check sheet and control to pay the customer with the withdrawal banknote sandwiched between the check sheets in the same manner as described above.

The schematic side view which shows the internal structure of embodiment of the automatic transaction apparatus by this invention The perspective view which shows the external appearance of embodiment The perspective view which shows the payment state of a banknote The perspective view which shows the payment state of a banknote

Explanation of symbols

2 Deposit / withdrawal port 6 Customer operation display unit 7 Shutter 8 Identification unit 9 Bill storage 11 Shield paper storage 12 Transport path 13 Control unit

Claims (3)

In the automatic transaction apparatus that pays out the banknotes for the amount entered by the customer from the banknote storage, transports them to the withdrawal port, and pays the accumulated withdrawal banknotes to the user.
Provide a shielding paper storage box that contains shielding paper,
When paying out withdrawal banknotes with an amount exceeding the preset withdrawal amount reference value at the time of withdrawal transaction, the banknotes are shielded by paying out the shielding paper from the shielding paper storage and collecting it together with the banknotes. An automatic transaction apparatus characterized by paying customers with paper. In the automatic transaction apparatus that pays out the banknotes for the amount entered by the customer from the banknote storage, transports them to the withdrawal port, and pays the accumulated withdrawal banknotes to the user .
Provide a shielding paper storage box that contains shielding paper,
When the customer of the device at the time of the withdrawal transaction is a specific customer specified in advance, the banknotes are sandwiched by the shielding paper by drawing out the shielding paper from the shielding paper storage and accumulating the banknotes together with the banknotes. Automatic transaction device, characterized by paying customers with The automatic transaction apparatus according to claim 1 ,
A selection screen for selecting whether to sandwich the banknote with a shielding sheet displayed on the customer operation display unit, only when the customer sandwiching a shielding sheet is selected, and characterized in that the dispensed banknotes sandwiched by shielding paper Automatic transaction device.