JP4475884B2 - Automatic transaction equipment - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic transaction apparatus that performs transactions using coins with a customer such as an automatic cash transaction apparatus installed in a financial institution.
[0002]
[Prior art]
The coin deposit / withdrawal part of the conventional automatic transaction apparatus is provided with a coin insertion slit capable of depositing several coins, and when a customer tries to insert a coin to deposit it, the coin is picked and inserted. In this way, foreign matter is prevented from being thrown in (see, for example, Patent Document 1).
[0003]
[Patent Document 1]
Japanese Patent Laid-Open No. 10-208106 (page 2-3, FIG. 1)
[0004]
[Problems to be solved by the invention]
However, in the conventional technology described above, only a few coins can be inserted at a time, and when a large amount of coins are inserted from the coin insertion slit, the coins must be picked and inserted, and time is required for the insertion. In short, there is a problem that the transaction time of one customer becomes longer and the operation efficiency of the automatic transaction apparatus is lowered.
[0005]
The present invention has been made to solve the above-described problems, and an object of the present invention is to provide means capable of efficiently inserting a large amount of coins and preventing foreign matters from being mixed.
[0006]
[Means for Solving the Problems]
In order to solve the above problems, the present invention provides an automatic transaction apparatus having a customer operation unit having a display screen, a coin insertion slit for picking and inserting coins, and a coin storage box having a large coin outlet. The display screen displays an operation procedure for depositing a large amount of coins and an instruction button for a customer to instruct the insertion of a large amount of coins, and when the instruction button is pressed, When a coin outlet is opened to allow a large amount of coins to be inserted, and the instruction button is not pressed even after a predetermined time has elapsed , the coin insertion slit is opened because it is not necessary to process a large amount of coins. It is possible to insert coins.
[0007]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.
1 is a flowchart showing a deposit transaction according to an embodiment of the present invention, FIG. 2 is a perspective view showing an automatic teller machine according to the embodiment, FIG. 3 is a block diagram thereof, and FIG. 4 is a coin deposit / withdrawal unit according to the embodiment. It is a schematic side view which shows.
[0008]
2 and 3, reference numeral 1 denotes an automatic cash transaction apparatus as an automatic transaction apparatus installed in a store such as a branch of a financial institution, which is installed in the center of the financial institution and includes a customer account number, its PIN, and account It is connected via a communication line to a host computer (not shown) that manages customer accounts based on customer information such as balance.
Reference numeral 2 denotes a main control unit of the automatic teller machine 1, which is connected to a host computer (not shown) by the communication unit 3, and controls each part in the automatic teller machine 1 and also controls data communication.
[0009]
Reference numeral 4 denotes a storage unit that stores a program executed by the main control unit 2, a processing result by the main control unit 2, and the like.
Reference numeral 5 denotes a customer operation unit, which is composed of a combination of a display screen such as a CRT or LCD and a touch panel, etc., and displays a transaction selection screen, a screen for inquiring about customer's wishes, a screen for prompting customer's treatment, etc. On the other hand, an input from a customer is received by a touch panel or the like.
[0010]
A card handling unit 6 includes a printer that reads and writes the contents recorded in the magnetic stripe of a transaction card such as a customer's cash card inserted from the card insertion slot 6a and prints a transaction statement.
Reference numeral 7 denotes a passbook handling unit, which has a function of reading and writing the contents recorded in the magnetic stripe of the customer's passbook inserted from the passbook insertion port 7a and writing the transaction contents in the customer's passbook.
[0011]
Reference numeral 8 denotes a banknote deposit / withdrawal unit, which accepts banknotes inserted by a customer and stores a banknote storage box for storing banknotes to be paid out to the customer, a banknote deposit / withdrawal port 8a that is an opening to the customer, and a banknote deposit / withdrawal that opens and closes the banknote Mouth shutter, banknote authenticity, correctness, denomination, denomination etc., banknote discrimination section for counting, denomination banknote storage for storing banknotes by denomination, banknote temporary storage section for temporarily holding inserted banknotes, A bill reject storage for collecting rejected banknotes such as a conveyance abnormality, a forgotten banknote collection for collecting forgotten banknotes, a banknote conveyance path for transporting banknotes between these, and the like are configured as usual.
[0012]
Reference numeral 9 denotes a coin deposit / withdrawal unit, which includes a coin insertion slit 10 as a small coin insertion slot into which a customer picks and inserts a few coins and a large coin outlet 11 disposed in the vicinity thereof.
A foreign object return port 12 is installed on the front face of the automatic teller machine 1, and returns inserted foreign objects such as deformed coins, foreign coins, clips, and rings to the customer.
[0013]
In FIG. 4, reference numeral 13 denotes a tray, which is formed in a shape having a concave portion that can accommodate several coins, and the customer opens the insertion slot shutter 14 that opens and closes the coin insertion slit 10 on the back side of the coin insertion slit 10. The coins to be thrown in are received, and the coins thrown into the side wall of the coin storage box 15 are delivered.
The coin storage box 15 is installed with the coin outlet 11 as an opening to the customer, and is formed in a shape having a recess capable of receiving a large number of coins. The takeout shutter 16 that opens and closes is opened, and the coin is delivered to the customer.
[0014]
The takeout shutter 16 of the coin storage box 15 is also opened when a customer puts in a large amount of coins, and the coin takeout port 11 also has a function as a coin input port for receiving a large amount of coins.
Reference numeral 17 denotes an insertion detection sensor, for example, an optical detection in which a light emitting unit and a light receiving unit are arranged to face each other, and the light receiving unit detects that a coin or a hand as a detection target blocks light from the light emitting unit. It is a sensor, and detects the insertion of a large amount of coins received by opening the coin outlet slit 16 and the coins inserted into the coin insertion slit 10 delivered from the tray 13.
[0015]
18 is an open / close door, which is installed at the bottom of the coin storage box 15 and opens the lower part of the coin storage box 15 by opening the substantially arc-shaped plate to one side, and the lower part of the coin storage box 15 by closing the operation. The bottom of the coin storage box 15 is normally closed.
Reference numeral 19 denotes a feeding unit which receives the coins dropped by opening and closing the door 18 from the coin storage box 15, discriminates its true / false, denomination, denomination, etc., and feeds it to the coin discrimination unit 20 for counting. A discharge door 21 is provided for discharging the foreign matter that has been mistakenly inserted into the foreign matter return port 12.
[0016]
Reference numeral 22 denotes a denomination-type coin storage, in which coins that are discriminated and counted by the coin discriminating unit 20 are stored in denominations, and coins to be paid out to customers are fed out to the coin transfer path 23. It has a function.
Reference numeral 24 denotes a discharge passage, which is a passage that leads to a forgotten collection bin 25 forgetting to forget coins discharged from the discharge door 21 of the feeding portion 19.
[0017]
Reference numeral 26 denotes a switching blade which is provided in the middle of the discharge passage 24 and is configured to switch to the direction of the recovery box 25 or the discharge shooter 27 forgetting to remove coins and foreign matters falling through the discharge passage 24.
Reference numeral 28 denotes a lifter, which transports the foreign matter carried by the discharge shooter 27 to the foreign matter return port 12 and discharges it.
[0018]
The operation of the above configuration will be described.
The storage unit 4 of the automatic teller machine 1 according to the present embodiment is configured to accept a large amount of coins in a normal “transaction processing program” for performing various transactions with a customer in advance. Stores a “business execution program” to which a “large coin deposit processing subprogram” has been added.
[0019]
Below, the example in case a customer performs the deposit transaction for depositing cash according to the step shown by S using the flowchart shown in FIG. 1 is demonstrated.
An attendant at the start 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. Thereby, the “business execution program” stored in the storage unit 4 of the automatic teller machine 1 is automatically activated.
[0020]
S1, when the business execution program is started, the main control unit 2 of the automatic teller machine 1 uses the transaction processing program to display a “draw” button for a withdrawal transaction on the screen of the customer operation unit 5 and an “o” for a deposit transaction. A transaction selection screen displaying transaction buttons for selecting a transaction such as a “deposit” button and a “transfer” button for a transfer transaction is displayed and waited.
[0021]
In the present embodiment, the customer selects a deposit transaction for depositing from the screen of the customer operation unit 5 and presses a “deposit” button on the touch panel.
S2, the main control unit 2 that has detected this by a position signal from the touch panel displays a screen prompting insertion of a transaction card on the screen of the customer operation unit 5, and the customer follows the transaction card to the card of the card handling unit 6 accordingly. Insert into the insertion slot 6a.
[0022]
At this time, the main control unit 2 uses the card handling unit 6 to read card information such as a customer account number recorded in the magnetic stripe of the transaction card.
S <b> 3, the main control unit 2 displays a password input screen on the screen of the customer operation unit 5 and prompts to input a password.
The customer inputs a password using the numeric keypad.
[0023]
In addition, when the code numbers do not match, a predetermined number of times, for example, three re-inputs are accepted, and when the re-entered code number does not match even after the predetermined number of times, the main control unit 2 stores the transaction card. The deposit transaction is terminated by discharging from the insertion slot 6a, and the process returns to step S1 to display a transaction selection screen on the screen of the customer operation unit 5 and wait.
S4, the main control unit 2 that has recognized the input of the PIN number determines whether or not there is a deposit by cash according to the selected transaction, and in the case of a transaction with deposit, for example, a deposit transaction, a cash transfer transaction, a currency exchange transaction, etc. The process proceeds to S5.
[0024]
In the present embodiment, since the deposit transaction is selected, the process proceeds to step S5.
In the case of other transactions, such as a withdrawal transaction, a card transfer transaction, a balance inquiry, etc., the transaction processing program executes normal processing of the transaction.
S 5, the main control unit 2 displays the coin large amount deposit selection screen shown in FIG. 5 on the screen of the customer operation unit 5.
[0025]
On the coin large amount deposit selection screen, a “coin large amount deposit” button is displayed as an operation procedure for depositing a large amount of coins and an instruction button for instructing deposit of a large amount of coins.
In the present embodiment, the customer presses a “coin large amount deposit” button to deposit a large amount of coins from the screen of the customer operation unit 5.
S6, the main control unit 2 proceeds to step S8 when the "coin large deposit" button is pressed.
[0026]
If the “coin large amount deposit” button is not pressed even after a predetermined time has elapsed, the main control unit 2 closes the coin insertion slit 10 because the process proceeds to step S7 because the coin large amount deposit process is not required. The opening / closing shutter 14 and the banknote depositing / dispensing port shutter of the banknote depositing / dispensing port 8a are opened and opened. Put in the storage box.
[0027]
The coins inserted into the tray 13 from the coin insertion slit 10 are delivered to the coin storage box 15 by the tray 13 and the insertion detection sensor 17 detects the passage thereof.
Then, it is confirmed that no passage of the next coin is detected even if a predetermined time elapses after the insertion detection sensor 17 detects the passage of the last coin, or that no coin is inserted even if the predetermined time elapses. Then, the closing slot shutter 14 is closed to close the coin insertion slit 10, and the banknote is also confirmed in the same manner, and the banknote depositing / dispensing slot shutter is closed, and the process proceeds to step S9.
[0028]
S8, the main controller 2 recognizes that a large amount of coin deposit processing is necessary, and opens and opens the outlet shutter 16 and the banknote deposit / withdrawal port shutter of the banknote deposit / withdrawal port 8a. The customer puts a large amount of coins into the coin storage box 15 from the coin outlet 11 and banknotes into the banknote storage box from the banknote deposit / withdrawal port 8a.
The coins inserted into the coin storage box 15 from the coin outlet 11 are detected by the input detection sensor 17 and stored in the bottom of the coin storage box 15.
[0029]
Then, after the insertion detection sensor 17 detects the passage of the coin, it is confirmed that the passage of the next coin will not be detected even after a certain time has passed, and the outlet shutter 16 is closed to close the coin outlet 11. Then, the process proceeds to step S9.
S9, The main control unit 2 that has recognized the end of coin insertion counts the coins and bills that have been inserted.
[0030]
That is, in the banknote depositing / withdrawing unit 8, the banknote discriminating unit discriminates and counts the banknotes, calculates the deposit amount of the banknotes, and stores the inserted banknotes in the banknote temporary storage unit.
Further, in the coin deposit / withdrawal unit 9, the opening / closing door 18 is opened in the direction of the arrow shown in FIG. 4 to open to the position indicated by the broken line, and the coins stored in the bottom of the coin storage box 15 are fed out. The coins are fed to the coin discriminating unit 20, and the coins are discriminated and counted by the coin discriminating unit 20 to calculate the deposit amount of the coins, and the inserted coins are stored in a coin temporary holding unit (not shown).
[0031]
Then, the total amount of money is calculated by summing the deposit amounts of banknotes and coins.
S10, the main control unit 2 displays on the screen of the customer operation unit 5 a "confirmation" button for instructing confirmation of the calculated total amount of banknotes and coins and a deposit amount, and a "cancel" button for canceling the deposit transaction Display the deposit amount confirmation screen displaying.
The customer presses the “Confirm” button when confirming that the deposit amount is correct, and the “Cancel” button when canceling the deposit transaction due to a large number of rejected banknotes or coins.
[0032]
S11, the main control unit 2 proceeds to step S13 when the customer presses the “confirm” button, and proceeds to step S12 when the “cancel” button is pressed.
S12, the main control unit 2 executes a cash return process.
That is, the main control unit 2 displays a word prompting receipt of cash or a transaction card on the screen of the customer operation unit 5, and the inserted banknote or coin temporarily held in the banknote temporary storage unit or coin temporary storage unit. The paper money is temporarily stored from the banknote temporary storage section and the coin temporary storage section and is transported to the banknote storage box and the coin storage box 15 through the banknote transport path and the coin transport path 23, respectively, and the banknote inlet / outlet shutter and the outlet shutter 16 are opened to open the banknote. The deposit / withdrawal port and the coin outlet 11 are opened, and the inserted bills and coins are returned to the customer.
[0033]
Thereafter, the main control unit 2 confirms that the customer has received them, ends the deposit transaction, returns to step S1, displays a transaction selection screen on the screen of the customer operation unit 5, and stands by.
S13, the main control unit 2 executes a deposit process.
That is, a transaction message is created by attaching the PIN number entered in the card information of the transaction card and the confirmed deposit amount, and is transmitted by the communication unit 3 to the host computer via the communication line.
[0034]
The host computer that received the transaction message searches the customer information based on the card information included in the transaction message, authenticates the customer by checking the corresponding customer information PIN and the transaction message PIN. A transaction end message is created by adding a confirmed deposit amount to the account and updating the account with a message that the account has been updated.
Then, the host computer transmits a transaction end message to the automatic teller machine 1 via a communication line.
[0035]
The main control unit 2 of the automatic teller machine 1 receives the transaction end message by the communication unit 3 and ends the deposit process.
S14, the main control unit 2 confirms that the payment to the customer's account has been completed by the received transaction end message, and the inserted banknote or coin temporarily held in the banknote temporary storage unit or coin temporary storage unit is gold. The data is stored in the type banknote storage or the money type coin storage 22, print data is created based on the transaction contents, and sent to the printer of the card handling unit 6 to print the transaction statement.
[0036]
In parallel with this, the main control unit 2 displays on the screen of the customer operation unit 5 a word prompting receipt of the transaction statement slip and transaction card, and discharges the transaction card and transaction statement slip from the card handling unit 6.
Thereafter, the main control unit 2 confirms that the customer has received them, ends the deposit transaction, returns to step S1, displays a transaction selection screen on the screen of the customer operation unit 5, and stands by.
[0037]
In addition, when the customer puts a coin into the coin storage box 15 in the above step S9 and puts in a foreign object such as a deformed coin or a clip at the same time, if the inserted foreign object is a deformed coin or the like, it is fed out. The deformed coins dropped to the unit 19 and fed to the coin discriminating unit 20 are discriminated by the coin discriminating unit 20 and conveyed to the coin storage box 15 through the coin transport path 23, and all the deformed coins are transferred to the coin storage box 15. And then dropped again into the feeding section 19. When the inserted foreign matter is a clip, the clip dropped to the feeding unit 19 stays in the feeding unit 19 without being fed out.
[0038]
The main control unit 2 confirming that the foreign matter has accumulated in the feeding portion 19 switches the switching blade 26 toward the discharge shooter 27 to discharge the foreign matter, opens the discharge door 21 and discharges the foreign matter. To 24.
The foreign matter discharged to the discharge passage 24 is guided to the discharge shooter 27 by the switching blade 26, and the foreign matter reaching the lower portion of the lifter 28 is sequentially conveyed by the lifter 28 and discharged to the foreign matter return port 12 and returned to the customer.
[0039]
In step S5, the instruction button for selecting whether or not a large amount of coins should be inserted is displayed on the screen of the customer operation unit 5. However, a push-type switch or the like is provided near the coin outlet 11 or the like. An instruction button may be provided, which may be blinked, to notify that a large amount of coins can be inserted and allow the customer to select. This facilitates the application of the present invention to an automatic transaction apparatus having no display screen such as a vending machine.
[0040]
As described above, in the present embodiment, a coin insertion slit and a large coin outlet are provided, and the coin outlet is opened to accept a large amount of coins. It is possible to insert the coins, improving the convenience for the customer and shortening the time required for inserting the coins and improving the operation efficiency of the automatic transaction apparatus.
[0041]
In addition, by letting the customer choose whether or not to insert a large amount of coins, the customer is made aware of the insertion of coins, and the customer's attention is given so that foreign objects can be inserted even when a large amount of coins are inserted. Can be prevented.
In the above embodiment, the case of a deposit transaction has been described as an example. However, the same applies to the case where deposit by coin is required in the case of a transfer transaction, a currency exchange transaction, or the like.
[0042]
Moreover, although it demonstrated that the coin thrown in from the coin insertion slit was delivered to a coin storage box, the tray of a coin insertion slit and the coin storage box were provided independently, and the coins stored in each were dropped to the feeding part. However, the effect of the present invention is not impaired even if the coin insertion slit is directly provided on the outlet shutter.
Furthermore, although the automatic transaction apparatus to which the present invention is applied has been described as an automatic cash transaction apparatus, the automatic transaction apparatus is not limited to an automatic cash transaction apparatus, and is operated by a customer such as an unmanned contract machine, an automatic ticketing machine, and a vending machine. Any automatic transaction apparatus that deposits with coins can be applied.
[0043]
【The invention's effect】
As described above, the present invention provides a coin insertion slit and a large coin outlet, and opens a coin outlet to accept a large amount of coins. As a result, it is possible to improve the convenience of the customer and shorten the time required for inserting the coins to improve the operating efficiency of the automatic transaction apparatus.
[0044]
In addition, by letting the customer choose whether or not to insert a large amount of coins, the customer is made aware of the insertion of coins, and the customer's attention is given so that foreign objects can be inserted even when a large amount of coins are inserted. Can be prevented.
[Brief description of the drawings]
FIG. 1 is a flowchart showing a deposit transaction according to an embodiment. FIG. 2 is a perspective view showing an automatic teller machine according to the embodiment. FIG. 3 is a block diagram showing an automatic teller machine according to the embodiment. Schematic side view showing a coin deposit / withdrawal unit in the form of FIG. 5 [Example of coin deposit / withdrawal selection screen in the embodiment]
DESCRIPTION OF SYMBOLS 1 Cash automatic transaction apparatus 2 Main control part 3 Communication part 4 Memory | storage part 5 Customer operation part 6 Card handling part 7 Passbook handling part 8 Banknote depositing / withdrawing part 9 Coin depositing / withdrawing part 10 Coin insertion slit 11 Coin taking out port 12 Foreign substance return port 13 Receptacle 14 Insertion shutter 15 Coin storage box 16 Extraction shutter 17 Input detection sensor 18 Opening / closing door 19 Feeding part 20 Coin discrimination part 21 Discharge door 22 Coin storage box 23 Coin transport path 24 Discharge path 25 Forgetting collection box 26 Switching Blade 27 Discharge shooter 28 Lifter

Claims (2)

A customer operation unit having a display screen, a coin insertion slit for picking and inserting coins, and a coin storage box having a large coin outlet,
On the display screen, an operation procedure for depositing a large amount of coins and an instruction button for a customer to instruct the insertion of a large amount of coins are displayed.
When the instruction button is pressed, the coin outlet is opened and a large amount of coins can be inserted,
If the instruction button is not pressed even after a predetermined time has passed, it is determined that there is no need for a large amount of coins , and the coin insertion slit is opened to allow coins to be inserted. . In claim 1,
An automatic transaction apparatus, wherein the coin insertion slit is arranged in the vicinity of the large coin outlet.

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