JP4727305B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that executes transactions related to money.

  An ATM (Automated Teller Machines), which is a type of automatic transaction apparatus, is generally equipped with a true / false discrimination device that discriminates the authenticity of money received. The authenticity determination device may determine genuine money as fake money (hereinafter referred to as “fake money”), and when a false money is detected, an official of the financial institution managing the ATM determines whether the money is true or false. May be required. By the way, conventionally, the counterfeit money countermeasure processing when the false money is detected by the authenticity discriminating apparatus is uniformly set in all ATMs.

Japanese Patent Laid-Open No. 2005-4486

  However, not all ATMs are operated under uniform conditions. For example, if there is an ATM that is installed in a financial institution's branch office and can sound an alarm when a false money is detected to detect a false money, it can be placed outside the branch office to detect a false money. There are also ATMs that are unable to direct the staff even if the alarm sounds. Therefore, it is difficult to perform a counterfeit countermeasure process in which all ATMs detect a counterfeit and call an attendant by calling an alarm. That is, by setting the counterfeit countermeasure processing uniformly in all ATMs, the counterfeit countermeasure processing that can be set is limited. Such a problem is not limited to ATM, but is a problem common to all automatic transaction apparatuses such as automatic ticket vending machines and currency exchange machines.

  The present invention has been made to solve the above-described problems, and in an automatic transaction apparatus, it is possible to individually set processing for each automatic transaction apparatus when a forgery is detected The purpose is to provide.

  In order to solve at least a part of the above problems, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus that executes a transaction relating to money, performs false determination of received money, and is a counterfeit money that is fake money. A detection unit that detects a counterfeit, a processing instruction acquisition unit that acquires a processing instruction set in advance for each automatic transaction apparatus, and a detection instruction And a counterfeit countermeasure processing executing section for executing a counterfeit countermeasure processing based on the processing instruction when money is detected.

  According to the present invention, for each automatic transaction apparatus, a processing instruction when a counterfeit is detected is acquired and a counterfeit countermeasure process is executed based on the processing instruction. Can be set individually.

  The counterfeit countermeasure processing includes processing for sounding an alarm, processing for reporting to a monitoring device that monitors the operation of the automatic transaction apparatus, processing for returning the counterfeit money to the user, and recovering the counterfeit money to a predetermined hangar. A process for putting money on hold in a transporting device that transports money, stopping the transaction function of the automatic transaction device, and a card obtained from a user when the money is deposited is a predetermined card. Processing to recover to the hangar, processing to stop the transaction function of the automatic transaction device, and to place the card acquired from the user when the deposit is deposited in the card handling device that handles the card, and for a predetermined period It is good also as a thing which is at least 1 or more among the processes which print the log | history of the transaction performed in 1st.

  The processing instruction acquisition unit displays a processing instruction acquisition screen for acquiring the processing instruction, reads a processing instruction setting file including the processing instruction, and transmits from a computer communicable with the automatic transaction apparatus The processing instruction may be acquired by at least one of receiving the processing instruction.

  In addition, a processing instruction storage unit that stores the processing instruction in advance in association with driving status information including at least one of information related to an installation location of the automatic transaction apparatus or information related to time, and when a false money is deposited A driving status acquisition unit that acquires the driving status information, and the processing instruction acquisition unit acquires a processing instruction related to the driving status information acquired by the driving status acquisition unit from the processing instruction storage unit It is good as a thing.

  According to this, it is possible to acquire a processing instruction according to the driving situation.

  The present invention can be realized in various forms, for example, a computer program for realizing the function of an automatic transaction method or apparatus, a recording medium storing the program, a host computer capable of communicating with the automatic transaction apparatus, etc. It is feasible.

A. First embodiment:
FIG. 1 is an explanatory diagram showing a counterfeit money monitoring system 10000 including an ATM (Automated Teller Machines) 1000 which is an embodiment of an automatic transaction apparatus. The counterfeit money monitoring system 10000 is a system capable of individually setting the counterfeit money countermeasure processing executed by the ATM 1000 when the ATM 1000 detects counterfeit money (hereinafter referred to as “fake money”). The counterfeit money includes a modified ticket in which real banknotes are pasted together.

  The false money monitoring system 10000 includes a host computer 2000, a monitoring device 3000, and an ATM 1000. The host computer 2000 of the financial institution manages a plurality of ATMs 1000 of the financial institution. The monitoring device 3000 receives a report from the ATM 1000 when a false money is detected, and turns on the lamp. As a result, the staff of the financial institution detects the detection of false money.

  The ATM 1000 includes a CPU 100, a communication device 110, a main storage device 120, an external storage device 130, a card handling device 140, a statement printing device 150, a money handling device 160, a display device 170, a money authenticity. A determination device 180, a JNL printing device 190, an alarm device 200, and a processing instruction acquisition unit 210 are provided.

  The communication device 110 controls communication with the host computer 2000 and the monitoring device 3000. The main storage device 120 and the external storage device 130 store various files and programs. The card handling device 140 reads cash card information. The statement slip printing device 150 prints a transaction slip. The money handling apparatus 160 executes money transport and money deposit / withdrawal within the ATM 1000. The money handling device 160 corresponds to the transport device of the present invention. The display device 170 is a touch panel that displays transaction guidance and receives input of transaction details from a user. The money authenticity discriminating device 180 discriminates the authenticity of the received money and detects the false money. The money authenticity discrimination device 180 corresponds to the detection unit of the present invention. The journal (journal (hereinafter referred to as JNL)) printing device 190 prints a history of transactions executed by the ATM 1000 during a predetermined period as JNL. The alarm device 200 sounds an alarm. The processing instruction acquisition unit 210 acquires in advance a processing instruction for a counterfeit countermeasure process that is executed when a counterfeit is detected. The CPU 100 performs overall control of the above devices and the processing instruction acquisition unit 210.

  FIG. 2 is an explanatory diagram showing a processing instruction acquisition screen 211 for the processing instruction acquisition unit 210 to acquire a processing instruction. The processing instruction acquisition unit 210 causes the display device 170 to display a processing instruction acquisition screen 211 after the attendant of the financial institution installs the ATM 1000 and turns on the power of the ATM 1000 or when the attendant inserts a key into a predetermined keyhole. . The clerk designates the processing when the false money is detected with the selection button 212 on the processing instruction acquisition screen 211. Specifically, whether or not to sound an alarm, whether or not to notify the monitoring device, whether to return or collect counterfeit money, whether to return or collect cash card, JNL Whether or not to print is selected with the selection button 212. In addition, when collecting a false money or a card, the ATM 1000 operates normally after the detection of the false money, and the ATM 1000 can be used continuously. On the other hand, when holding a false money or a card, the ATM 1000 stops the normal transaction function and the ATM 1000 cannot be used.

  For example, in the ATM 1000 installed in a sales office of a financial institution, since the clerk can often respond on the spot, an alarm may be set to sound when a false money is detected. On the other hand, in the ATM 1000 installed outside the sales office of the financial institution, since the staff is not waiting and cannot respond on the spot, the alarm may not be sounded and the monitoring apparatus may be notified. When the OK button 213 is pressed, the processing instruction acquisition unit 210 stores the selected processing instruction in the main storage device 120. The information may be stored in the external storage device 130.

  The processing instruction acquisition unit 210 may acquire a processing instruction by another method instead of the processing instruction acquisition screen 211. For example, the processing instruction acquisition unit 210 may acquire a processing instruction from the host computer 2000 or the monitoring device 3000. When acquiring a processing instruction from the host computer 2000, for example, the attendant creates the processing instruction setting file psf of FIG. 3 and stores it in the host computer 2000. The host computer 2000 transmits the stored processing instruction setting file psf to the ATM 1000 at the timing designated by the attendant. The processing instruction acquisition unit 210 stores the received processing instruction setting file psf in the main storage device 120. The processing instruction acquisition unit 210 may convert the data format when storing the processing instruction setting file psf in the main storage device 120. Alternatively, the ATM 1000 may include a storage medium insertion slot, and the processing instruction acquisition unit 210 may read the processing instruction setting file psf stored in the storage medium inserted from the insertion slot.

  FIG. 4 is a flowchart showing transaction processing in the ATM 1000 after obtaining the processing instruction. Here, it is assumed that the user executes a deposit process. A user of the ATM 1000 designates transaction details (payment) on the display device 170 and inserts a cash card into the insertion slot of the card handling device 140. The ATM 1000 reads the account number of the card with the card handling device 140 (step S100). If the account number cannot be read (step S200: NO), the transaction is terminated assuming that the card is abnormal. When the account number is read (step S200: YES), the display device 170 prompts for payment (step S300). The user inserts money into the deposit / withdrawal port of the money handling apparatus 160. The money handling device 160 conveys the received money, and the money authenticity discriminating device 180 determines the authenticity of the money being conveyed (step S400). If all of the deposited money is not a fake money (step S500: NO), the ATM 1000 requests the host computer 2000 to increase the account balance related to the read account number by the deposited amount (step S600). The host computer 2000 stores the account number and the account balance in association with each other, and the host computer 2000 that receives the request updates the account balance of the requested account number. The statement slip printing device 150 of the ATM 1000 prints a statement slip indicating transaction details (step S700), and the card handling device 140 returns a cash card (step S800). On the other hand, when the forgery is detected (step S500: YES), the deposit transaction is stopped, and the forgery countermeasure processing is executed based on the processing instruction stored in the main storage device 120 (step S900).

  FIG. 5 is a flowchart showing the counterfeit countermeasure processing. The alarm device 200 sounds an alarm when the alarm is selected in the processing instruction (step S901: YES) (step S902). When the notification is selected for the monitoring device 3000 (step S903), the communication device 110 notifies the monitoring device 3000 that a false money has been detected (step S904). Upon receiving the notification, the monitoring device 3000 turns on the lamp and informs the staff that the counterfeit money has been detected, as described above.

  Further, when it is specified to return the false money (step S905: return), the money handling apparatus 160 returns the false money to the user (step S906). When it is designated to hold the false money (step S905: hold), the money handling device 160 holds the money in the money handling device 160 (step S907), and the CPU 100 stops the transaction function of the ATM 1000. At this time, the display device 170 displays, for example, a message “Sorry, it cannot be used now. Please use another ATM.”, And proceeds to the next card processing step. If it is specified that the counterfeit money is to be collected (step S905: recovery), the money handling device 160 collects the false money in a predetermined storage and proceeds to the next step (step S908).

  On the other hand, when it is specified that the cash card is to be returned (step S909: return), the card handling device 140 returns the card to the user (step S910). If it is specified that the card is to be held (step S909: hold), the card handling device 140 holds the card in the ATM 1000 (step S911), and the CPU 100 stops the transaction function of the ATM 1000. At this time, the display device 170 displays a message similar to that at the time of holding the deposit, and proceeds to the next step. If it is specified that the card is to be collected (step S909: collection), the card handling device 140 collects the card and proceeds to the next step (step S912). Note that the return of the card in step S910 is a process that is also executed during a normal transaction as in step S800, and is not strictly executed as a countermeasure against forgery.

  If it is specified that JNL is to be printed (step S913: YES), the JNL printer 190 prints a history of transactions executed at the ATM 1000 during a predetermined period (step S914). The CPU 100, the communication device 110, the card handling device 140, the money handling device 160, the JNL printing device 190, and the alarm device 200 correspond to the counterfeit countermeasure processing execution unit of the present invention.

  According to the counterfeit money monitoring system 10000 of the first embodiment, each ATM 1000 includes a processing instruction acquisition unit 210 that acquires in advance a processing instruction when a counterfeit money is deposited, and performs counterfeit countermeasure processing based on the processing instruction. Since it executes, in ATM1000, the process at the time of detecting a false money can be set individually. That is, a counterfeit bill countermeasure process suitable for the ATM 1000 can be executed.

  Specifically, if the ATM 1000 is installed in a sales office, an attendant can respond immediately by sounding an alarm. In addition, if ATM1000 is installed in the store, by setting the card or false money to be held when detecting the false money, if the clerk confirms the money and determines that it is real money, Cards and money can be returned to the user at the venue.

  On the other hand, when the ATM 1000 is installed outside the sales office, it is often meaningless to sound an alarm. Further, the counterfeit bill countermeasure processing for collecting the card is not suitable when the ATM 1000 is installed outside the sales office. This is because the money authenticity discriminating apparatus 180 may mistakenly determine genuine money as a false money, which may cause great inconvenience to users who are not negligent. According to the counterfeit money monitoring system 10000 of the present embodiment, such a situation is avoided, and when the ATM 1000 is installed outside the sales office, the alarm is not sounded and the counterfeit money is returned. it can.

  The processing instruction acquisition unit 210 may display the processing instruction acquisition screen 211 on the display device 170 when the attendant performs a predetermined operation on the ATM 1000 without being limited to inserting a key into a predetermined keyhole. The predetermined operation is, for example, when a predetermined button is pressed or when a predetermined number is input.

B. Second embodiment:
In the counterfeit money monitoring system 10000 of the first embodiment, processing instructions are individually set on the processing instruction acquisition screen 211 for each ATM 1000, but the processing instruction acquisition unit 210 of the second embodiment issues a processing instruction as follows. get. The host computer 2000 according to the second embodiment manages an operation state processing instruction file 2100 in which the operation state of the ATM 1000 and a processing instruction are associated with each ATM 100 using the operation state acquisition unit 2200 and the processing instruction transmission unit 2300. A processing instruction is transmitted (FIG. 1).

  FIG. 6 is an explanatory diagram showing the driving situation processing instruction file 2100. In the driving status processing instruction file 2100, the driving status of the ATM 1000 is information including at least one of information related to the installation location of the automatic transaction apparatus or information related to time. In this embodiment, the ATM operating status is that the ATM 1000 is installed outside the financial institution's sales office, or the ATM 1000 is installed in the sales office, and the counterfeit detection time is outside the operating hours of the sales office's window. It is divided into three types, that is, whether the ATM 1000 is installed in the sales office, and whether the counterfeit money detection time is within the operating hours of the sales office window. Processing instructions are set for each driving situation. The driving situation processing instruction file 2100 corresponds to the processing instruction storage unit of the present invention.

  The driving status acquisition unit 2200 acquires the time when the cash money is deposited in the ATM 1000. The time when the deposit was received is the time when the notification that the deposit was detected, which is the time when the deposit was detected or a few minutes later. May be. The operation status acquisition unit 2200 also manages the installation location of the ATM 1000 of the financial institution. The driving status acquisition unit 2200 determines which of the three driving statuses described above corresponds to the ATM 1000 from the acquired time and installation location. The processing instruction transmission unit 2300 transmits a processing instruction related to the driving situation determined by the driving situation acquisition unit 2200 in the driving situation processing instruction file 2100 to the ATM 1000.

  FIG. 7 is a flowchart showing processing of the ATM 1000 and the host computer 2000 when a false money is detected by the ATM 1000. The right side is a flowchart of the host computer 2000, and the left side is a flowchart of the ATM 1000. Since the processing until the false gold is detected (step S100 to step S400) and the processing when the false gold is not detected (step S600 to step S800) are the same as those in the first embodiment, description and illustration are omitted. . When the counterfeit money is detected (step S500A: YES), the ATM 1000 notifies the host computer 2000 that the counterfeit money is detected (step S1000A).

  Upon receiving the notification, the operating status acquisition unit 2200 of the host computer 2000 acquires the installation location and current time of the ATM 1000 and determines the operating status of the ATM 1000 (step S1100A). Then, the processing instruction transmission unit 2300 transmits the processing instruction associated with the driving situation in the driving situation processing instruction file 2100 of FIG. 6 to the ATM 1000 (step S1200A).

  The processing instruction acquisition unit 210 receives the processing instruction transmitted from the host computer 2000 (step S1300A), and the ATM 1000 executes the counterfeit countermeasure processing shown in FIG. 5 according to the processing instruction (step S1400A).

  According to the false money monitoring system 10000 of the second embodiment, the processing instruction acquisition unit 210 of the ATM 1000 gives a processing instruction according to the operation status of the ATM 1000 while omitting the troublesome of setting the processing instruction for the ATM 1000 individually. Can be acquired.

  In the second embodiment, the driving situation processing instruction file 2100 and the driving situation acquisition unit 2200 are provided in the host computer 2000, but may be provided in the ATM 1000. In that case, when a false money is detected (step S500A: YES), the driving condition acquisition unit 2200 of the ATM 1000 determines the driving condition, and the processing instruction associated with the driving condition in the driving condition processing instruction file 2100 is Acquired by the processing instruction acquisition unit 210.

  In the second embodiment, there are three driving situations in the driving situation processing instruction file 2100, but there may be a plurality of driving situations, and the driving situations may be classified in more detail. Further, the processing instruction of the driving situation processing instruction file 2100 is also an example, and it goes without saying that various processing instructions can be set.

Other examples:
(1) In the above embodiment, the JNL printing device 190 prints the history of transactions executed at the ATM 1000 during a predetermined period, but the predetermined period may be variable. For example, the period may be set on the processing instruction acquisition screen 211.

(2) The counterfeit countermeasure processing in the above embodiment is merely an example, and other counterfeit countermeasure processing may be executed.

(3) In the above embodiment, the ATM 1000 is exemplified as the automatic transaction apparatus. However, the automatic transaction apparatus is not limited to the ATM 1000, and may be various types such as an automatic ticket vending machine, an automatic vending machine, a money changer, and a cash dispenser. The present invention can be applied to an automatic transaction apparatus.

  As described above, the automatic transaction apparatus, the host computer, the automatic transaction method, and the program for realizing the functions of the automatic transaction apparatus according to the present invention have been described based on the embodiments. It is intended to facilitate understanding and is not intended to limit the present invention. The present invention can be changed and improved without departing from the spirit and scope of the claims, and it is needless to say that the present invention includes equivalents thereof.

Explanatory drawing which shows the counterfeit money monitoring system 10000 containing ATM1000 which is an Example of an automatic transaction apparatus. Explanatory drawing which shows the process instruction acquisition screen 211 for the process instruction acquisition part 210 to acquire a process instruction. Explanatory drawing which shows the process instruction setting file psf. The flowchart which shows the transaction processing in ATM1000 after processing instruction acquisition. The flowchart which shows a counterfeit money countermeasure process. Explanatory drawing which shows the driving | running condition process instruction file 2100. FIG. The flowchart which shows the process of ATM1000 and the host computer 2000 when a false money is detected by ATM1000.

Explanation of symbols

110 ... Communication device 120 ... Main storage device 130 ... External storage device 140 ... Card handling device 150 ... Detail slip printing device 160 ... Money handling device 170 ... Display device 180. .. Money authenticity determination device 200 ... Alarm device 210 ... Processing instruction acquisition unit 211 ... Processing instruction acquisition screen 212 ... Select button 2000 ... Host computer 2100 ... Operation status processing instruction file 3000 ... Monitoring device 10000 ... Fake money monitoring system psf ... Processing instruction setting file

Claims (2)

An automatic transaction apparatus that executes transactions related to money,
A detection unit that performs authenticity determination of the deposited money and detects forged money that is fake money;
As a processing instruction when a false money is detected by the detection unit, a processing instruction acquisition unit that acquires a processing instruction preset for each automatic transaction apparatus;
When the detection unit detects false money, the counterfeit countermeasure processing execution unit executes the counterfeit countermeasure processing based on the processing instruction;
With
The processing instruction is:
Whether to sound an alarm,
Whether or not to report to a monitoring device for monitoring the operation of the automatic transaction device;
Or return the counterfeit money to the user, whether to recover the fake money to a predetermined hangar, the counterfeit money into transfer device for transferring the monetary on hold, or to stop the transaction functions of the automatic transaction apparatus,
The card obtained from the user when the counterfeit money is credited, whether or not to recover the predetermined card hangar, and retained in the card handling apparatus for handling cards, to stop the transaction functions of the automatic transaction apparatus,
Whether to print the history of transactions executed during a given period,
To set
Furthermore,
A processing instruction storage unit that stores the processing instruction in advance in association with driving situation information including at least one of information on an installation location of the automatic transaction apparatus or information on time;
A driving status acquisition unit for acquiring the driving status information when the false money is deposited;
With
The processing instruction acquisition unit acquires a processing instruction related to the driving status information acquired by the driving status acquisition unit from the processing instruction storage unit.
Automatic transaction device. The automatic transaction apparatus according to claim 1, wherein
The processing instruction acquisition unit
Displaying a processing instruction acquisition screen for acquiring the processing instruction;
Reading a processing instruction setting file including the processing instruction;
Receiving the processing instruction transmitted from a computer capable of communicating with the automatic transaction apparatus;
Obtaining the processing instruction by at least one of the following:
Automatic transaction device.

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