JP4709633B2 - Cash transaction apparatus and transaction method - Google Patents

Description

  The present invention relates to a cash transaction apparatus that enables transactions using cash.

  Various cash transaction devices that allow transactions using cash, such as automatic teller machines (ATMs) and commuter pass ticketing machines, are used to determine the denomination In addition, it is determined whether the money is money that can be used for transactions (hereinafter referred to as “tradeable money”) by discriminating the state of truth or damage (hereinafter referred to as “money”). This is generally called “determination”.

  Examples of the transaction apparatus that performs the money determination include an automatic cash transaction apparatus described in Patent Document 1 below and a banknote transaction apparatus described in Patent Document 2 below.

JP 2003-281603 A JP 2004-157624 A

  Some cash transaction apparatuses that perform money determination as described above perform money determination by comparing an image obtained by reading the surface of inserted money with a reference image stored in advance. In such a cash transaction apparatus, the inserted money is transported to a predetermined reading position for reading the surface of money, and the surface is read after being placed at the predetermined reading position.

  Here, the inserted money may be disposed at a position slightly deviated from a predetermined reading position due to variations in the conveyance of money in the apparatus. In this case, since the cash transaction apparatus cannot correctly read the surface of the inserted money, it is determined that the real money with little damage is not tradeable money, or the false money is judged to be tradeable money. there is a possibility.

  Therefore, those who are involved in the manufacture and distribution of false money (hereinafter referred to as “fake money related persons”), for example, in ATM, can insert a lot of false money at once, and even some of these false money can be traded. In the hope that it will be mistakenly determined to be money, there may be a case where a deposit transaction to the account of a counterfeit money person or a transfer transaction to the account of a conspirator may be attempted.

  In such a case, if it is erroneously determined that the inserted false money is tradeable money, the amount equivalent to the false money is deposited into the account of the person involved in the false money or transferred to the account of the conspirator. It will be.

  The present invention has been made to solve at least a part of the above-described problems, and suppresses the execution of transactions using false money even when an erroneous determination result is obtained in money determination. The aim is to provide possible technology.

  In order to solve at least a part of the above-described problems, a cash transaction apparatus according to the present invention is a cash transaction apparatus for executing a transaction using cash, and includes a money input unit and money input to the input unit. Every time, the money reading unit that reads the surface of the money and acquires the money image of the money, and the reference image and the acquired money image that are set in advance for each money put into the insertion part In addition to comparing, based on the comparison result, for each predetermined region in the money image, whether the predetermined region is an approximate region in which the money image and the reference image are approximated in the predetermined region. The gist of the invention is to include an approximation determination unit for determination, and a storage unit that stores a determination result for each of the predetermined regions by the approximation determination unit.

  Thus, in the cash transaction apparatus of the present invention, the determination result for each predetermined area by the approximate determination unit is stored in the storage unit. Therefore, based on this determination result, the predetermined area is not an approximate area for each predetermined area. The total number of money determined to be, the ratio of the total number of money determined that the predetermined area is not an approximate area to the total number of money, or when it is continuously determined that the predetermined area is not an approximate area It becomes possible to calculate the number of money.

  Therefore, as will be described later, when the transaction stop process is executed according to the number and ratio calculated in this way, the approximate determination unit obtains an erroneous comparison result in the comparison between the reference image and the monetary image, Even when a predetermined area that is not an approximate area is erroneously determined to be an approximate area, execution of a transaction can be suppressed.

  The cash transaction apparatus further includes a total number calculation unit, a total number determination unit, and a predetermined process execution unit that executes a predetermined process related to the transaction, and inputs into the input unit for one transaction. For at least one of the denominated money denominations, the total number calculating unit determines that the predetermined region is not the approximate region based on the determination result stored in the storage unit. The total number of coins is calculated, the total number determination unit determines whether at least one of the calculated total number is equal to or greater than a predetermined number, and the predetermined processing The execution unit may execute a transaction stop process when the total number determination unit determines that the number is equal to or greater than a predetermined number.

  With such a configuration, the predetermined process execution unit executes a transaction stop process when the total number determination unit determines that the predetermined number of sheets is equal to or greater than the predetermined number, so the approximate determination unit performs the reference image and the monetary image. When a comparison result that is wrong in comparison with the above is obtained and it is determined that a predetermined region that is not an approximate region is an approximate region, execution of a transaction can be suppressed. This is due to the following reason.

  When a counterfeit is manufactured, a plurality of sheets are often manufactured at the same time, and as a result, a plurality of counterfeits having similar characteristics are manufactured. Since a plurality of false moneys manufactured in this way are inserted into the cash transaction apparatus, the money inserted into the input unit for one transaction is not an approximate region for a specific predetermined region. There will be a plurality of money determined to be.

  In this case, even if there is money that is determined to be the approximate area, the specific predetermined area is an approximate area because an erroneous comparison result is obtained in the comparison between the reference image and the money image. It is assumed that there is a high possibility that it was erroneously determined. Therefore, with the above configuration, when the total number determination unit determines that the total number is equal to or greater than the predetermined total number, the predetermined processing unit executes a transaction stop process. When it is erroneously determined that there is a transaction, execution of the transaction can be suppressed.

  The cash transaction apparatus further includes a total number calculating unit, a rate calculating unit, a rate determining unit, and a predetermined process executing unit for executing a predetermined process related to the transaction, for the purpose of one transaction. For at least one denomination of money inserted into the input unit, the total number calculation unit calculates the approximate region for each predetermined region based on the determination result stored in the storage unit. The ratio calculation unit calculates the ratio of the calculated total number to the total number of money of the denomination for each predetermined area, and the ratio determination The unit determines whether at least one of the calculated ratios is equal to or greater than a predetermined ratio, and the predetermined process execution unit determines that the ratio is equal to or greater than the predetermined ratio. Of the transaction It may be executed to stop the process.

  With such a configuration, the predetermined process execution unit executes a transaction stop process when the ratio determination unit determines that the predetermined ratio is equal to or greater than the predetermined ratio. When an erroneous comparison result is obtained and it is determined that a predetermined area that is not an approximate area is an approximate area, execution of a transaction can be suppressed. This is due to the following reason.

  When a counterfeit is manufactured, a plurality of sheets are often manufactured at the same time, and as a result, a plurality of counterfeits having similar characteristics are manufactured. Since a plurality of false moneys manufactured in this way are inserted into the cash transaction apparatus, the money inserted into the input unit for one transaction is not an approximate region for a specific predetermined region. There will be a plurality of money determined to be. As a result, the ratio of the total number of money determined to be not an approximate area for this specific predetermined area to the total number of inserted money is a relatively high value.

  In this case, even if there is money that is determined to be the approximate area, the specific area is erroneously identified as the approximate area because an incorrect comparison result is obtained in the comparison between the reference image and the money image. It is assumed that it is highly possible that Therefore, with the above configuration, when the ratio determination unit determines that the ratio is equal to or greater than the predetermined ratio, the predetermined process execution unit executes a transaction stop process, and thus the approximate determination unit sets the predetermined area as the approximate area. If it is erroneously determined, execution of the transaction can be suppressed.

  The cash transaction apparatus further includes a continuous number determination unit and a predetermined process execution unit that executes a predetermined process related to the transaction, and the denomination of money inserted into the input unit for one transaction. Among the at least one denomination, the storage unit associates the order information indicating the order in the denomination of the determination by the approximate determination unit with the determination result when storing the determination result. Storing, the continuous number determination unit, based on the determination result and the order information stored in the storage unit, for at least any one of the predetermined regions, the region is not the approximate region, It is determined whether or not the approximate determination unit has continuously determined a predetermined number of times, and the predetermined processing execution unit determines that the continuous number determination unit has determined that the approximate determination unit has determined that the transaction stop processing is performed. It may be executed.

  By adopting such a configuration, the predetermined process execution unit determines that at least one of the predetermined areas is not the approximate area, and is determined by the approximation determination unit continuously a predetermined number of times or more. In the case where the approximate determination unit obtains an erroneous comparison result in the comparison between the reference image and the monetary image and determines that the predetermined region that is not the approximate region is the approximate region, Execution of transactions can be suppressed. This is due to the following reason.

  When a counterfeit is manufactured, a plurality of sheets are often manufactured at the same time, and as a result, a plurality of counterfeits having similar characteristics are manufactured. Since a plurality of false moneys manufactured in this way are inserted into the cash transaction apparatus, the money inserted into the input unit for one transaction is not an approximate region for a specific predetermined region. There will be a plurality of money determined to be. As a result, there is a high possibility that this specific predetermined area is determined by the approximation determination unit continuously for a predetermined number of times if it is not an approximate area.

  In this case, even if there is money that is determined to be the approximate area, the specific predetermined area is an approximate area because an erroneous comparison result is obtained in the comparison between the reference image and the money image. It is assumed that there is a high possibility that it was erroneously determined. Therefore, with the above configuration, if at least one of the predetermined regions is not an approximate region, the continuous number determination unit determines that it has been continuously determined by the approximation determination unit a predetermined number of times or more. In this case, since the predetermined process execution unit executes the transaction stop process, the execution of the transaction can be suppressed when the approximate determination unit erroneously determines that the predetermined region is the approximate region.

  In the cash transaction apparatus, when the predetermined process execution unit executes the transaction stop process, the predetermined image and the acquired image are obtained for at least one of the inserted moneys. Re-comparison with a monetary image and, based on the result of the re-comparison, whether or not at least the region determined by the approximation determining unit as the approximate region is the approximate region, among the predetermined regions. Re-determining, and the predetermined process execution unit, as a result of the re-determination process, out of the areas subject to the re-determination with respect to at least any one of the moneys subjected to the re-comparison The transaction stop process may be executed when it is determined that at least one of the areas is not the approximate area.

  By adopting such a configuration, the predetermined process execution unit performs the transaction stop process after performing the re-comparison and re-determination. When it is assumed that there is a higher possibility that the approximate determination unit has erroneously determined that there is, the execution of the transaction can be suppressed. As a result, if there is a high possibility that the approximate determination unit has correctly determined that it is an approximate area, the transaction will be executed, and it will be suppressed that the transaction will not be executed even though real money has been inserted. Therefore, it is possible to suppress a decrease in convenience of the cash transaction apparatus.

  In the cash transaction apparatus, the approximation determination unit, when comparing the reference image and the money image, at least a part of reference image data representing the reference image and money image data representing the money image. The predetermined processing execution unit, when performing the re-comparison, when the re-comparison, the predetermined processing execution unit is more than the data used by the approximation determination unit among the reference image data It is preferable to perform the re-comparison using data and more data of the money image data than the data used by the approximation determination unit.

  By adopting such a configuration, the predetermined processing execution unit compares the reference image and the monetary image using more data, so that a more accurate comparison result can be obtained as compared with the approximate determination unit. it can. Therefore, even when the approximate determination unit erroneously determines that the predetermined area is the approximate area, execution of the transaction can be suppressed.

  In the cash transaction apparatus, the predetermined process execution unit may execute a preset inappropriate transaction countermeasure process when executing the transaction stop process.

  By adopting such a configuration, as an inappropriate transaction countermeasure process, for example, on a cash transaction device, a transaction suspension information such as “Cannot be handled. To control transactions using counterfeit money by persons involved in counterfeit money by performing processing to sound an alarm to report or performing processing to turn on an alarm lamp provided in the monitoring device of the cash transaction apparatus Can do.

  The cash transaction apparatus may be an automatic teller machine.

  By doing in this way, a person involved in counterfeit money puts a plurality of counterfeit moneys into an automated teller machine, and a part of these counterfeit money is originally a predetermined area that is not an approximate area is an approximate area. In the event that it is judged erroneously and treated as genuine money, if the deposit transaction to the account of the counterfeit money related party or the transfer transaction to the account of the conspirator is attempted, the transaction is suspended. Therefore, it is possible to suppress the execution of the transaction using the false money.

  In addition, this invention is not restricted to the aspect of apparatus inventions, such as the said cash transaction apparatus, It is also possible to implement | achieve as method inventions, such as a transaction method.

Hereinafter, the best mode for carrying out the present invention will be described in the following order based on examples.
A. Example:
A1. Overview of ATM configuration:
A2. Deposit transaction processing:
A3. Effects of the embodiment:
B. Variations:

A. Example:
A1. Overview of ATM configuration:
FIG. 1 is an explanatory view showing an ATM as an embodiment of the present invention. An ATM 100 shown in FIG. 1 is an ATM managed by a financial institution, and is connected to a host computer 200 also managed by the financial institution via a network NW such as a dedicated line.

  The ATM 100 mainly includes a communication unit 102, a display unit 104, a money input unit 106, a money transport unit 108, a money reading unit 110, a money determination unit 112, a storage unit 114, and a card / passbook handling unit 116. And a main control unit 150. The redetermination unit 130 indicated by a broken line will be described later.

  Among these, the communication unit 102 executes communication with the host computer 200. The display unit 104 has a touch panel, displays transaction guidance for the user, and accepts a transaction type (payment, transfer, etc.) and an amount designation from the user. The money insertion unit 106 accepts money inserted with a limit of 99 sheets. The money transport unit 108 transports money inserted into the money input unit 106 in the casing of the ATM 100. The card / passbook handling unit 116 reads an account number or the like from the inserted cash card or passbook, and performs passbook entry. The main control unit 150 performs integrated control of each functional unit.

  The storage unit 114 stores image data of a reference image for each denomination in an initial state.

  The money reading unit 110 reads the surface of each inserted money to acquire image data, and stores it in the storage unit 114.

  Then, the money determination unit 112 reads out the image data of the above-described reference image and the image data acquired by the money reading unit 110 from the storage unit 114, and for each inserted money based on these image data, In addition to determining the denomination, a determination is made as to whether or not the money is tradeable by discriminating the authenticity or damage status.

  In the ATM 100 having such a configuration, in conjunction with the host computer 200, a transaction of deposit or transfer is executed based on money inserted by the user.

  Specifically, if the money determination unit 112 determines that all the money is tradeable money as a result of performing the denomination determination and the money determination on the inserted money, the main control unit 150 handles the card / passbook handling. The transaction execution request including the account number read by the unit 116 from the cash card or passbook and the transaction type and amount specified by the operation of the display unit 104 is transmitted to the host computer 200 via the communication unit 102.

  On the other hand, the host computer 200 includes an account information database 210 that manages the account number and balance of each account, and a transaction history database 220 that manages the transaction date and time, transaction type, transaction amount, and the like in each account. When the host computer 200 receives the transaction execution request from the ATM 100, the host computer 200 executes the transaction by updating the account information database 210 based on the transaction execution request.

  The host computer 200 records the transaction execution result in the transaction history database 220 and transmits information such as the transaction execution result and balance to the ATM 100.

  In the ATM 100, when the main control unit 150 receives information such as a transaction execution result or a balance from the host computer 200 via the communication unit 102, the transaction execution result or The balance is displayed and the card / passbook handling unit 116 makes the passbook entry.

  As described above, in the ATM 100, when the money determination unit 112 performs the denomination determination and the money determination, when it is determined that the inserted money is tradeable money, the transaction is executed based on the money. It will be.

  Here, in the above-described money determination, the money determination unit 112 may give an incorrect determination result.

  This is because the inserted money is arranged slightly deviated from the predetermined position for reading the surface due to the variation in the money transfer by the money transfer unit 108, and the money reading unit 110 removes the surface of the money. This is because it cannot be read accurately. Therefore, the money determination unit 112 performs the money determination based on the image data that has not been accurately read. Therefore, when it is erroneously determined that genuine money with little damage is not a transactionable money, There may be cases where it is erroneously determined that the money is tradeable.

  Then, when the money determination unit 112 erroneously determines that the false money is tradeable money, as described above, the transaction is executed based on the money (false money). Therefore, a person concerned with false money puts a lot of money into the ATM 100 at a time, and expects that some of these moneys will be mistakenly determined to be tradeable money. It is conceivable to try to make a deposit transaction to the account or transfer transaction to the account of the conspirator.

  In ATM100, execution of the transaction using such a false money can be suppressed. The suppression of the execution of such transactions will be described by taking a deposit transaction as an example.

A2. Deposit transaction processing:
As a premise of a deposit transaction by a false money related person, the false money related person inserts a cash card and a passbook in the ATM 100 shown in FIG. 1 and operates the display unit 104 to designate a payment transaction to his / her account. . Then, the person involved in the false money inserts a plurality of moneys partially including the false money into the money insertion unit 106 and operates the display unit 104 to designate the total amount of all the moneys inserted as the deposit amount. .

  For convenience of explanation, it is assumed that all the money inserted by the person concerned with the false money is a banknote, and all these banknotes are inserted one at a time.

  FIG. 2 is an explanatory view showing a banknote inserted by a person concerned with false money. As shown in FIG. 2, the first and sixth to eighth bills are one thousand yen bills, and the second to fifth and ninth to tenth bills are 10,000 yen bills. is there. Among these banknotes, the 3rd to 6th sheets and the 9th to 10th sheets are false money.

  Under the above assumptions, when a deposit amount is designated by a person who is related to the false money, a deposit transaction process is executed in the ATM 100.

  FIG. 3 is a flowchart showing a procedure of deposit transaction processing executed in the ATM 100.

  When the deposit transaction process shown in FIG. 3 is started, the money transport unit 108 shown in FIG. 1 transports the inserted money to the money reading unit 110 (step S302), and the money reading unit 110 The surface of each money is read to obtain image data, which is stored in the storage unit 114 (step S304).

  Next, the money determination unit 112 reads each image data acquired by the money reading unit 110 and the image data of the reference image from the storage unit 114, and based on these image data, denomination for each inserted money Determination and money determination are performed, and the determination result is stored in the storage unit 114 (step S306).

  In this denomination determination, the money determination unit 112 compares the reference image of each denomination with the image of the money for each inserted money, and determines the denomination indicated by the closest reference image. Judge as a denomination of money.

  In the money determination, the money determination unit 112 performs the following process. First, for each inserted money, based on the image data of the determined reference image of the denomination and the image data of the money, the tone value of every fourth pixel in the image data of the money Then, the difference from the gradation value of the pixel at the same position in the image data of the reference image is calculated. Next, for every fourth pixel, the calculated difference is a pixel (approximate pixel) within a predetermined range, or the calculated difference is a pixel (difference pixel) that is not within the predetermined range. To distinguish. Next, the money determination unit 112 divides the money image into predetermined areas, calculates the total number of different pixels for each area, and the area where the calculated total number of different pixels is equal to or greater than a constant. It is determined whether it is a (different area) or an area (approximate area) where the total number of calculated different pixels is less than a predetermined number. When it is determined that at least one of the areas is a different area, it is determined that the money is not a tradeable money (hereinafter also referred to as “reject”), and all the areas are determined as approximate areas. If it is, it is determined that the money can be traded.

  FIG. 4 is an explanatory diagram showing regions divided in the money image.

  As shown in FIG. 4, the money image is divided into six regions, region A to region F. Then, the money determination unit 112 determines the approximate area / difference area for each of the areas A to F, and determines that each money is rejected or is a transactionable money.

  FIG. 5 is an explanatory view showing the result of denomination determination and money determination for each banknote shown in FIG.

  In FIG. 5, the denominations shown on the left side of the banknote indicate the result of denomination determination, the areas marked with “x” in the banknote indicate the different areas, and the right side of the banknote indicates the result of the money determination. Of the monetary determination results, the order described in “Reject” (for example, “third sheet of 10,000 yen bill” in the fourth banknote) indicates the order in the denomination, and the entire inserted banknote It does not indicate the order (in this case, the fourth sheet).

  As shown in FIG. 5, the denomination determined by the denomination determination is the same as the denomination shown in FIG. 2, and the money determination unit 112 correctly performs the denomination determination.

  On the other hand, for the money determination, the money determination unit 112 rejects the sixth banknote, which is a fake money of a 1,000 yen bill, with the region C as a different region. Of the 10,000 yen bills, the area A is rejected for the fourth, fifth, and ninth banknotes, and the area D is rejected for the tenth banknote. However, the monetary determination unit 112 determines that the third banknote out of the 10,000 yen bill is money that can be traded despite being false money.

  FIG. 6 is an explanatory diagram illustrating the determination result stored in the storage unit 114 when the denomination determination result and the money determination result illustrated in FIG. 5 are obtained.

  As shown in FIG. 6, as the determination result, information on the total number of sheets, the number of rejects, and the different area is stored in the storage unit 114 for each denomination. Of these, the total number indicates the total number of money determined to be the denomination, and the number of rejects indicates the total number of money rejected in each denomination. The information regarding the different areas indicates the breakdown of the number of rejects, indicates which areas have been determined to be different areas and has been rejected, and the total number of rejected money (A_Cnt, B_Cnt,... F_Cnt). , And the order of each rejected money in its denomination (A_No, B_No,... F_No).

  Specifically, for example, for a 10,000 yen bill, as shown in FIG. 5, it is determined that the area A is a different area, and the rejected 10,000 yen bill is the fourth, fifth, and ninth bills. However, the order of these banknotes in the denominations of 10,000 yen bills is 3, 4, and 5 as shown in FIG. Therefore, as shown in FIG. 6, “3,4,5” is stored as “A_No” in the 10,000 yen bill, and the total number “3” of these bills is stored as “A_Cnt”.

  Similarly, the 10,000 yen bill rejected when the region D is determined to be a different area is only the tenth banknote, and the order of this banknote in the denomination of the 10,000 yen bill is sixth. , “6” is stored as “D_No”, and “1” is stored as “D_Cnt”.

  In addition, the 1000 yen bill rejected when it is determined that the area C is a different area is only the sixth banknote, and the order of this banknote in the denomination of the 1000 yen bill is second. , “2” is stored as “C_No”, and “1” is stored as “C_Cnt”.

  Returning to FIG. 3, the main control unit 150 reads the determination result from the storage unit 114, and determines whether there is money rejected in any denomination based on the determination result (step S <b> 308).

  As described above, when the determination result shown in FIG. 6 is stored in the storage unit 114, the main control unit 150 determines that there is money rejected by the 10,000 yen bill and the 1000 yen bill.

In this case, the main control unit 150 further determines whether or not at least one of the following three conditions is satisfied based on the read determination result (step S310).
1) For any area of any denomination, the ratio of the total number of money rejected when the area is determined to be a different area with respect to the total number of denominations (hereinafter referred to as “reject rate”) Is 20% or more.
2) For any area of any denomination, the number of moneys that are determined to be different areas and rejected (hereinafter referred to as “reject number”) is 10 or more.
3) For any region of any denomination, the number of moneys that have been continuously rejected after determining that the region is a different region (hereinafter referred to as “continuous reject number”) is 3 or more. It is.

  As preconditions for imposing these conditions, the following can be assumed for the manufacture of counterfeit money. That is, when counterfeit money is manufactured, a plurality of sheets are often manufactured at the same time. In this case, a plurality of counterfeit moneys having similar characteristics for a certain denomination are manufactured. In addition, since a plurality of counterfeit moneys manufactured in this way are inserted into the ATM 100, there is a high possibility that a plurality of moneys for a certain denomination will be rejected by determining that the same area is a different area.

  Therefore, if the rejection rate is greater than or equal to the specified percentage for any of the denominations of the money entered, the money that was not rejected (money that was determined to be tradeable money) Is likely to be included. Therefore, by imposing the above-mentioned 1) condition (condition regarding the rejection rate), it is determined whether or not there is a high possibility that the money determined to be tradeable money includes fake money. .

  In addition, for example, when 99 moneys including 10 false money are inserted, the rejection rate is low due to the large number of inserted money, but the absolute number of false money is large. In addition, it is assumed that there is a high possibility that the money determined to be tradeable money includes fake money. Therefore, by imposing the above-mentioned condition 2) (condition regarding the number of rejects), it is determined whether or not there is a high possibility that the money determined to be tradeable money includes fake money. .

  Furthermore, even if the rejection rate is low and the number of rejects is small, if the same area is judged to be a different area and rejected continuously, a counterfeit money transaction is attempted by a counterfeit person concerned. It is assumed that Therefore, by imposing the above condition 3) (condition regarding the number of consecutive rejects), it is determined whether or not there is a high possibility that the money determined to be tradeable money contains fake money. Yes.

  In addition, each numerical value and ratio of “20%” in the above-described condition regarding the rejection rate, “10” in the above-mentioned condition regarding the number of rejects, and “3” in the above-mentioned condition regarding the number of continuous rejections are determined based on empirical rules in advance It is determined based on.

  Then, as described above, when the determination result shown in FIG. 6 is obtained, considering the above-described conditions regarding the rejection rate, since the total number of inserted 10,000 yen bills is six, 10,000 yen The rejection rate of each area in the tag is 50% in area A (3 out of 6 sheets), about 17% in area D (1 out of 6 sheets), and 0% in other areas. In addition, since the total number of 1000 yen bills inserted is 4, the rejection rate of each area in the 1000 yen bill is 25% in area C (1 out of 4) and 0% in other areas. . Accordingly, for the area A in the 10,000 yen bill and the area C in the 1,000 yen bill, the rejection rate is 20% or more, which satisfies the conditions regarding the rejection rate.

  Next, considering the conditions regarding the number of rejects, as shown in FIG. 6, the number of rejects in each area in the 10,000-yen bill is 3 in area A and 1 in area D. There are few. In addition, since the number of rejects in each area in the 1,000 yen bill is 1 in area C, it is less than 10. Therefore, the condition regarding the number of rejects is not satisfied.

  Next, when considering the conditions regarding the number of consecutive rejects, as shown in FIG. On the other hand, for the 10,000 yen bill, in the area A, the third, fourth, fifth and third sheets are continuously rejected. Therefore, the condition regarding the number of consecutive rejects is satisfied.

  Thus, when at least one of the three conditions described above is satisfied, the main control unit 150 shown in FIG. 1 performs a transaction stop process (step S312). As described above, in such a case, it is determined that there is a high possibility that the money determined to be tradeable money includes fake money.

  In this transaction stop process, the main control unit 150 returns all the inserted money to the user via the money insertion unit 106 and transfers the cash card and passbook to the user via the card / passbook handling unit 116. return. Further, in this transaction stop process, the main control unit 150 notifies the host computer 200 of the determination result by the money determination unit 112 and the account number via the communication unit 102. The host computer 200 records the notified determination result in the transaction history database 220 as the transaction history of the account indicated by the notified account number.

  Next, the main control unit 150 performs inappropriate transaction countermeasure processing (step S314). In this improper countermeasure processing, the main control unit 150 causes the display unit 104 to display a transaction stop information such as “Cannot be handled. In addition, as an inappropriate transaction countermeasure process, in order to report to a staff member of a financial institution, a process of sounding an alarm (not shown) or a process of lighting a lamp of a monitoring device (not shown) monitored by the staff member is performed. Also good.

  As described above, when the determination result shown in FIG. 5 is obtained in the money determination of the money determination unit 112, in the process of step S310, at least one of the above three conditions is satisfied. The transaction will be suspended. Therefore, even if it is determined that the inserted third banknote is a money that can be traded even though it is a false money, execution of the trade is suppressed.

  On the other hand, if the main control unit 150 determines in step S310 that none of the above three conditions is satisfied, the rejected money is returned to the user via the money input unit 106. At the same time, the display unit 104 is caused to display guidance for prompting re-insertion of money (step S316).

  When money is re-entered into the money insertion unit 106, the money determination unit 112 performs the above-described denomination determination and money determination for the re-inserted money (step S318), and the main control unit 150 As a result of the money determination, it is determined whether there is money rejected (step S320).

  If the main control unit 150 determines that there is rejected money in the process of step S320, the main control unit 150 performs the process of step S312 (transaction stop process) and the process of step S314 (inappropriate transaction countermeasure process). . This is to prevent the transaction from being executed because there is a high possibility that the person involved in the counterfeit money has repeatedly inserted the counterfeit money.

  On the other hand, if it is determined in step S320 that there is no rejected money, the main control unit 150 sends a transaction execution request including an account number, a deposit amount, and a transaction type via the communication unit 102 to the host computer. 200 (step S322).

  After that, when receiving information such as transaction execution results and balance from the host computer 200 via the communication unit 102, the main control unit 150 displays the transaction execution results and balance on the display unit 104 and handles the card / passbook handling. The unit 118 is made to perform passbook entry (step S324). Note that if there is a difference between the total amount of money inserted and the designated amount of money, the main control unit 150 returns the amount of money to the user via the money insertion unit 106.

  If it is determined in step S308 that there is no rejected money, the above-described steps S322 and S324 are executed.

A3. Effects of the embodiment:
As described above, in the ATM 100, as a result of the denomination determination and the monetary determination, for each denomination, in addition to the total number of sheets and the number of rejects, as the information regarding the difference area, the total number of rejected moneys, The order of each rejected money in its denomination is stored in the storage unit 114.

  Therefore, the main control unit 150, based on the determination result stored in the storage unit 114, at least one of the three conditions of the condition regarding the rejection rate, the condition regarding the number of rejections, and the condition regarding the number of continuous rejections. It can be determined whether or not the above is satisfied.

  Moreover, in ATM100, when it determines with satisfy | filling at least any one among the above-mentioned three conditions, it is set as the structure which performs a transaction stop process, without performing a transaction. Here, when the counterfeit money is manufactured, a plurality of sheets are often manufactured at the same time, and as a result, a plurality of counterfeit gold having the same characteristics for a certain denomination is manufactured. Since a plurality of false moneys manufactured in this way are inserted into the ATM 100, in the money determination by the money determination unit 112, a plurality of moneys for a certain denomination are determined to be the same region as a different region. There is a high possibility of being rejected. Therefore, when the rejection rate is high, it is assumed that there is a high possibility that the money determined to be tradeable money by the money determination unit 112 includes fake money.

  Therefore, by adopting the above configuration, since the transaction stop process is performed when the condition “reject rate is 20% or more” is satisfied, even when an incorrect determination result is obtained in the money determination, Execution of transactions can be suppressed.

  In addition, regardless of the rejection rate, it is assumed that there is a high possibility that the money determined to be tradeable money contains false money even if the absolute number of false money contained in the inserted money is large. Is done. Therefore, with the above configuration, since the transaction stop process is performed when the condition that “the number of rejects is 10 or more” is satisfied, even if an incorrect determination result is obtained in the monetary determination, the transaction is performed. Execution can be suppressed.

  Also, even if the rejection rate is low and the number of rejects is small, if it is rejected due to the same area to some extent continuously, a counterfeit money transaction is attempted by a person related to counterfeit money It is assumed that Therefore, with the above configuration, since the transaction stop process is performed when the condition that “the number of consecutive rejects is 3 or more” is satisfied, even in the case where an erroneous determination result is obtained in the money determination The execution of transactions can be suppressed.

  Moreover, in ATM100, when none of the above-mentioned three conditions is satisfy | filled, it is made to return only the rejected money. Therefore, for example, when a good-willed user inserts a plurality (six or more) of banknotes including only one banknote that is severely damaged, only the banknotes that are severely damaged are returned and all the banknotes that are inserted Will be returned and will not be suspended. Therefore, the convenience of a bona fide user is not significantly impaired.

B. Variations:
The present invention is not limited to the above-described examples and embodiments, and can be implemented in various modes without departing from the gist thereof. For example, the following modifications are possible. .

B1. Modification 1:
In the embodiment described above, the main control unit 150 executes the transaction stop process (step S312) when it is determined that at least one of the conditions is satisfied in the process of step S310 described above. Is not limited to this. When it is determined in step S310 described above that at least one of the conditions is satisfied, first, the inserted money is determined again, and the transaction stop process is performed according to the result of the repeated money determination. You may make it perform.

  Specifically, as illustrated in FIG. 1, the ATM 100 is configured to include a redetermining unit 130, and when it is determined in the process of step S <b> 310 that any one of the conditions is satisfied, The image data of the reference image and the image data acquired by the money reading unit 110 are read from the storage unit 114, and based on these image data, the same determination as the money determination by the money determination unit 112 described above is performed. .

  However, in the above-described monetary determination by the monetary determination unit 112 (step S306), the calculation of the difference between the gradation values is performed for every fourth pixel. This pixel is used as a target. In addition, in the money determination by the money determination unit 112, the calculation of the gradation value difference is performed for all the areas A to F. However, in the money determination by the re-determination unit 130, the money determination by the money determination unit 112 is performed. Only the areas determined to be different areas are performed.

  Then, the main control unit 150 determines whether or not there is money rejected in any denomination as a result of re-determination of money by the re-determination unit 130. And when it is determined that there has been rejected money, there is a high possibility that other money excluding the rejected money is not tradeable money. Therefore, the main control unit 150 performs the transaction stop processing described above. And inappropriate transaction countermeasure processing may be executed.

  By adopting such a configuration, the re-determination unit 130 performs the monetary determination based on more information by calculating the difference of the gradation values for more pixels than the monetary determination unit 112. It can be carried out. As a result, when the money determining unit 112 determines that the money is tradeable money, the possibility of rejecting the false money can be increased. On the other hand, in the money determination by the money determination unit 112, it may be determined that the money is false money, even though it is genuine money. Even in such a case, it is possible to increase the possibility that the genuine money is determined to be tradeable money.

  In addition, since the re-determination unit 130 performs the gradation value comparison only for the regions that are determined to be different regions in the money determination by the money determination unit 112, the gradation determination is performed for all regions. Compared to, money determination can be performed at high speed.

  Prior to the determination of money by the re-determination unit 130, the re-determination unit 130 stores the image data in the above-described step S304 so that the money reading unit 110 acquires image data for each inserted money. Instead of the image data stored in 114, the money determination may be performed using the newly acquired image data.

  In this way, when the image data is acquired again, the money conveyance speed when the money reading unit 110 reads money is slower than the conveyance speed when money is first read. By doing so, more image data (higher resolution image data) may be acquired.

  Note that the money determination by the re-determination unit 130 may be performed not on all the inserted money but on a part of the inserted money. Specifically, for example, the money determination by the money determination unit 112 may be performed only on money determined to be tradeable money. Alternatively, the amount of money corresponding to a preset ratio (for example, 50% of the inserted money) out of the inserted money, or a predetermined number of money may be processed. In addition, when the number of money corresponding to a preset ratio or the preset number of money is targeted, the preset number and percentage of money are rejected by the determination result of the money determination unit 112. You may make it set so that it may become a different number of sheets and a ratio according to a rate.

B2. Modification 2:
In the embodiment described above, in the process of step S310, it is determined whether or not at least one of the above three conditions is satisfied. Instead, the above three conditions are used. Of these, it may be determined whether only one condition is satisfied. Specifically, for example, instead of the process in step S310, only “whether the rejection rate is 20% or more for any region of any denomination” may be determined.

B3. Modification 3:
In the embodiment described above, the inappropriate transaction countermeasure process is executed after the transaction stop process. However, the inappropriate transaction countermeasure process may not be performed, and only the transaction stop process may be performed.

B4. Modification 4:
In the embodiment described above, all the inserted money is banknotes, but some may be coins or all may be coins. In this case, the image data of the reference image may be stored in advance in the storage unit 114 for each denomination of coins, and the denomination determination and the monetary determination may be performed in the same manner as in the above-described embodiment.

B5. Modification 5:
In the embodiment described above, the monetary image is divided into the six regions A to B, but the present invention is not limited to this. For example, it may be divided into areas other than 6 such as 4 areas or 8 areas. Further, the area may be divided not only on one side of money but also on both sides.

B6. Modification 6:
In the above-described embodiment, in the processing of step S310, the condition regarding the rejection rate is “20% or more”, but the ratio is not limited to 20%, and other ratios such as 10% and 30% may be used. In the condition regarding the number of rejects, “10 or more” is used, but the number is not limited to 10 and may be other numbers such as 8 and 15. Further, in the condition regarding the number of consecutive rejects, “it is 3 or more”, but it is not limited to 3, and may be other numbers such as 2 or 4. Moreover, you may make it change these ratios and numbers with a period or a time slot | zone.

B7. Modification 7:
In the above-described embodiment, in the transaction stop process, the main control unit 150 returns the cash card and the passbook to the user. However, the cash card and the passbook may not be returned. In this case, the attendant may operate the ATM 100 to discharge the cash card and the passbook and return them to the user.

B8. Modification 8:
In the embodiment described above, the deposit transaction has been described as an example. However, the present invention is not limited to the deposit transaction, but can be applied to other transactions such as a transfer transaction. In addition, although the ATM has been described as an example of a cash transaction apparatus, the present invention is not limited to the ATM, and it is possible to perform transactions using cash such as an automatic teller machine (CD: Cash Dispenser) and a commuter pass ticketing machine. It can be applied to various devices.

B9. Modification 9:
In the above-described embodiment, the determination result is stored in the storage unit 114 included in the ATM 100. However, in addition to the storage unit 114, the determination result is stored in the user's cash card or passbook inserted in the ATM 100. May be. By doing in this way, the determination result when trying to make a transaction using counterfeit money is stored in the cash card or passbook. It is also possible to read this determination result from a card or a passbook and determine whether or not the transaction can be executed in consideration of the determination result.

It is explanatory drawing which shows ATM as one Example of this invention. It is explanatory drawing which shows the banknote thrown in by the false money official. It is a flowchart which shows the procedure of the deposit transaction process performed in ATM100. It is explanatory drawing which shows the area | region divided in the image of money. It is explanatory drawing which shows the result of the money type determination and money determination about each banknote shown in FIG. It is explanatory drawing which shows the determination result memorize | stored in the memory | storage part when the denomination determination result and money determination result shown in FIG. 5 are obtained.

Explanation of symbols

100 ... ATM
DESCRIPTION OF SYMBOLS 102 ... Communication part 104 ... Display part 106 ... Money insertion part 108 ... Conveyance part 110 ... Money reading part 112 ... Money determination part 114 ... Memory | storage part 116 ... Card / passbook handling part 116
130 ... Re-determination unit 150 ... Main control unit 200 ... Host computer 210 ... Account information database 220 ... Transaction history database NW ... Network

Claims (8)

A cash transaction apparatus for executing a transaction with cash,
Money input department,
A money reading unit that reads the surface of the money and acquires a money image of the money for each money put into the insertion unit;
For each money inserted into the input unit, a reference image set in advance and the acquired money image are compared, and based on the comparison result, the predetermined area is determined for each predetermined area in the money image. An approximate determination unit that determines whether the money image and the reference image are approximate regions in the predetermined region;
A storage unit for storing a determination result for each of the predetermined areas by the approximate determination unit;
A total number calculating section;
A total number determination unit;
A predetermined process execution unit for executing a predetermined process related to the transaction;
Equipped with a,
Among at least one denomination among the denominations of money input to the input unit for one transaction,
The total number calculating unit calculates the total number of money determined not to be the approximate region for each of the predetermined regions based on the determination result stored in the storage unit;
The total number determining unit determines whether at least one of the calculated total number is equal to or greater than a predetermined number;
The predetermined process execution unit executes a transaction stop process when the total number determination unit determines that the total number is greater than or equal to a predetermined number;
Cash transaction device. The cash transaction apparatus according to claim 1, further comprising:
A total number calculating section;
A ratio calculator,
A ratio determination unit;
A predetermined process execution unit for executing a predetermined process related to the transaction;
With
Among at least one denomination among the denominations of money input to the input unit for one transaction,
The total number calculating unit calculates the total number of money determined not to be the approximate region for each of the predetermined regions based on the determination result stored in the storage unit;
The ratio calculating unit calculates the ratio of the calculated total number of sheets to the total number of denominations of money for each predetermined area,
The ratio determining unit determines whether or not at least one of the calculated ratios is equal to or greater than a predetermined ratio;
The predetermined process execution unit executes a transaction stop process when the ratio determination unit determines that the ratio is equal to or greater than the predetermined ratio.
Cash transaction device. The cash transaction apparatus according to claim 1, further comprising:
A continuous number determination unit;
A predetermined process execution unit for executing a predetermined process related to the transaction;
With
Among at least one denomination among the denominations of money input to the input unit for one transaction,
When the storage unit stores the determination result, the storage unit stores the order information indicating the order of the denomination of the determination by the approximate determination unit in association with the determination result,
The continuous number determination unit, based on the determination result stored in the storage unit and the order information, for at least one of the predetermined regions, if the region is not the approximate region, a predetermined number of times or more It is determined whether or not it has been continuously determined by the approximation determination unit,
The predetermined process execution unit executes a transaction stop process when the continuous number determination unit determines that it is determined by the approximation determination unit,
Cash transaction device. In the cash transaction apparatus according to any one of claims 1 to 3,
The predetermined process execution unit re-compares the reference image and the acquired money image for at least one of the inserted moneys when executing the transaction stop process. while, on the basis of the result of the re-comparison of the predetermined region, at least, the area is determined not to be the approximate region by the approximate determination unit, and re-determines whether or not the approximate area,
The predetermined processing execution unit is configured to perform at least any one of the areas subjected to the re-determination with respect to at least any one of the moneys subjected to the re-comparison as a result of the re-determination process. When it is determined that one area is not the approximate area, the transaction stop process is executed.
Cash transaction device. The cash transaction apparatus according to claim 4,
The approximation determination unit, when comparing the reference image and the money image, at least a part of the reference image data representing the reference image and at least a part of the money image data representing the money image. And compare with
The predetermined processing execution unit, when performing the re-comparison, more data than the data used by the approximate determination unit among the reference image data and the approximate determination unit among the money image data The recomparison is performed using more data compared to the data used by
Cash transaction device. In the cash transaction apparatus in any one of Claims 1 thru | or 5,
The predetermined process execution unit, when executing the transaction stop process, also executes a preset inappropriate transaction countermeasure process,
Cash transaction device. A cash transaction apparatus according to any one of claims 1 to 6,
The cash transaction apparatus is an automatic teller machine, a cash transaction apparatus. A transaction method for executing a transaction using a cash transaction apparatus for executing a transaction with cash,
In the cash transaction apparatus, for each inserted money, a first step of reading a surface of the money and obtaining a money image of the money;
In the cash transaction apparatus, for each inserted money, the reference image set in advance and the acquired money image are compared, and based on the comparison result, for each predetermined area in the money image, A second step of determining whether or not the predetermined area is an approximate area in which the money image and the reference image are approximated in the predetermined area;
The said cash transaction apparatus WHEREIN: The 3rd process which memorize | stores the determination result for every said predetermined area in the said determination process in the memory | storage part which the said cash transaction apparatus has,
In the cash transaction apparatus, based on the determination result stored in the storage unit, at least one denomination of money denominated in the input unit for one transaction, the predetermined A fourth step of calculating a total number of money determined not to be the approximate region for each region;
In the cash transaction apparatus, at least one total number of the calculated total number of at least one denomination of money inserted into the input unit for one transaction. Is determined to be equal to or greater than a predetermined number, and if it is determined to be equal to or greater than the predetermined number, a fifth step of executing a transaction stop process;
A transaction method comprising:

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