JP4909034B2 - Automatic cash transaction equipment - Google Patents

Description

  The present invention relates to an automatic teller machine such as an ATM for processing banknotes.

  Conventionally, a financial institution such as a bank processes a transaction desired by a user with an automatic cash transaction apparatus such as an ATM. As is well known, an automatic teller machine performs deposit-type transactions and withdrawal-type transactions based on user operations. The deposit-type transaction referred to here is a transaction for processing a deposited banknote inserted by a user, for example, a deposit transaction or a transfer transaction. Further, the withdrawal transaction is a transaction for releasing banknotes stored for a user as withdrawal banknotes, for example, a withdrawal transaction. A conventional general automatic cash transaction apparatus is a bill circulation type that uses a bill inserted into a main body by a deposit-type transaction or the like as a withdrawal bill in a withdrawal-type transaction. The automatic teller machine includes a banknote cartridge that stores banknotes for each denomination. The automatic teller machine stores a deposited banknote inserted into the main body in a deposit-type transaction in a corresponding denomination banknote cartridge. Further, in the withdrawal transaction, the withdrawal banknote is paid out from the banknote cartridge corresponding to the denomination and discharged.

Moreover, the proposal which aims at the improvement of the operation rate of an automatic teller machine is also made | formed (refer patent document 1). When the automatic teller machine of this patent document 1 is filled with the banknote in which the banknote cartridge of a certain denomination is accommodated in the banknote cartridge provided in the main body, it is only about the banknote of that denomination. Is stopped, and the deposit transaction related to the bills of other denominations is not stopped. In addition, when a banknote stored in a banknote cartridge of a denomination is emptied among banknote cartridges provided in the main body, the withdrawal transaction is stopped only for the banknote of that denomination, and other denominations It is the structure which does not stop the payment | withdrawal type | system | group transaction concerning a banknote. Thus, the automatic teller machine of patent document 1 does not stop a transaction completely when it becomes the state which cannot carry out a deposit-type transaction and a withdrawal-type transaction with a specific denomination. The operation rate of the main body is improved by operating in a degenerate mode in which transactions are stopped only for the denominations.
JP-A-8-320966

  However, recently, the frequency with which counterfeit tickets are detected in transactions with an automatic teller machine has increased. In the conventional automatic teller machine, when a counterfeit ticket is detected in a deposit-type transaction or a withdrawal-type transaction, the transaction is completely stopped to prevent the counterfeit ticket from circulating. That is, the circulation of counterfeit tickets is prevented by continuing the transaction and erroneously storing the counterfeit ticket in the main body in the deposit-type transaction or discharging the counterfeit ticket in error in the withdrawal-type transaction. For this reason, the fall of the operation rate of the automatic teller machine accompanying the detection of a forged ticket has been a problem.

  An object of the present invention is to provide an automatic teller machine that prevents a counterfeit ticket from circulating and suppresses a decrease in an operation rate associated with detection of a counterfeit ticket.

  The automatic teller machine of this invention has the following configuration in order to solve the above problems.

( 1 ) Transaction processing means for performing deposit-type transactions for processing input deposited banknotes, and withdrawal-type transactions for releasing stored banknotes as withdrawal banknotes;
Discrimination to discriminate the denomination and authenticity of deposited banknotes during deposit-type transactions by the transaction processing means , and to discriminate denominations and authenticity of withdrawal banknotes in withdrawal-type transactions by the transaction processing means Means,
When the discrimination means detects a counterfeit ticket, after that, for the banknote of the denomination corresponding to the counterfeit ticket, the deposit transaction and the withdrawal transaction by the transaction processing means are stopped, and the banknote of other denomination Comprises a degeneration means for maintaining the stop and continuation of the deposit-type transaction and the withdrawal-type transaction by the transaction processing means in the state at that time.

In this configuration, when the discrimination means detects a counterfeit ticket from the deposited banknote during the deposit-type transaction and when the counterfeit ticket is detected from the withdrawal banknote during the withdrawal-type transaction, the degeneration means is Only for banknotes of the denomination corresponding to the detected counterfeit ticket, the deposit-type transaction and the withdrawal-type transaction are stopped. As a result, the deposit-type transaction and the withdrawal-type transaction are stopped for the denomination banknote corresponding to the detected counterfeit ticket, but the deposit-type transaction and the withdrawal are performed for the denomination banknote for which the counterfeit ticket is not detected. The system continues. That is, the main body operates in a degenerate mode in which the deposit transaction and the withdrawal system are stopped only for the denomination banknote corresponding to the detected counterfeit ticket. It is rare that a counterfeit ticket is detected for a plurality of types of denominations at a time, and in many cases a counterfeit ticket is detected only for a specific denomination. For this reason, even if it continues a payment system transaction about the banknote of the denomination from which the forged ticket is not detected, a problem will not arise in particular. Therefore, it is possible to counterfeit ticket is prevented from flowing, it is possible to suppress the deterioration in the working rate of the body due to the detection of counterfeit.

( 2 ) When the said discrimination means detects a forged ticket, it has the output means which outputs that.

  In this configuration, it is possible to notify a higher-level device or the like that a forged ticket has been detected, and it is possible to promptly respond to a forged ticket from which an attendant or the like has been detected. As a result, the period during which the degeneration means operates the main body in the degeneration mode can be suppressed, and a decrease in the operating rate of the main body can be further suppressed.

( 3 ) The output means is means for notifying a host device of a transaction log relating to a transaction in which the discrimination means has detected a counterfeit ticket.

  In this configuration, since the transaction log relating to the transaction in which the forged ticket is detected is notified to the host device, the contents of the transaction in which the counterfeit ticket is detected by the host device can be analyzed.

( 4 ) The output means is means for instructing the host device to execute warning notification.

  In this configuration, a staff member or the like can quickly respond to the detected forgery by a warning notification in the boss device.

( 5 ) a counterfeit ticket pattern storage means for storing a counterfeit ticket reading pattern;
The discrimination means is means for discriminating the authenticity of a banknote using a forged ticket reading pattern stored in the forged ticket pattern storage means.

  In this configuration, the counterfeit ticket reading pattern detected in the past is stored in the counterfeit ticket pattern storage means, and the authenticity of the bill is discriminated using this, so that the discrimination accuracy can be improved.

( 6 ) A counterfeit ticket pattern acquisition unit that acquires a counterfeit ticket reading pattern from the host device and stores it in the counterfeit ticket pattern storage unit is provided.

  With this configuration, a newly discovered counterfeit ticket can be quickly dealt with, and the distribution of counterfeit tickets can be more reliably suppressed.

( 7 ) In the payment-type transaction by the transaction processing means, a transaction interruption means for interrupting the payment-type transaction when the discrimination means detects a forged ticket is provided.

  In this configuration, since the payment transaction in which the forged ticket is detected is interrupted, it is possible to stop the user who is performing the payment transaction. Therefore, an attendant or the like can meet a user who is conducting a deposit-type transaction in which a forged ticket is detected and can hear the situation.

( 8 ) Provide a display means for displaying an operation guidance screen to the user,
The transaction interruption means is means for instructing the display means to display an advertisement screen when the deposit transaction by the transaction processing means is interrupted.

  With this configuration, it is possible to stop the user without making the user who has made the deposit transaction in which the forged ticket is detected feel uncomfortable.

  According to the present invention, it is possible to prevent the circulation of counterfeit tickets and to suppress a reduction in the operating rate accompanying the detection of counterfeit tickets.

  Hereinafter, an automatic teller machine according to an embodiment of the present invention will be described.

  FIG. 1 is a schematic diagram showing an automatic cash transaction system to which an automatic cash transaction apparatus according to an embodiment of the present invention is applied. This automatic cash transaction system includes an automatic cash transaction apparatus 1, a monitoring apparatus 2, and a host apparatus 3. One or a plurality of automatic teller machines 1 are installed at a cash service corner or the like of each bank or other financial institution. The monitoring device 2 is installed in a monitoring room of each financial institution store. The host device 3 is installed in the center. The automatic teller machine 1 is connected to the monitoring device 2 of the store where it is installed so that data communication is possible. The automatic teller machine 1 is connected to the host device 3 so as to be able to perform data communication using a dedicated line, a public line, or the like.

  The monitoring device 2 and the host device 3 may be connected so that data communication is possible via a dedicated line or a public line, or may not be connected. Further, the automatic cash transaction apparatus 1 may be configured to be connected to the host apparatus 3 via the monitoring apparatus 2.

  The automatic teller machine 1 processes a deposit-type transaction and a withdrawal-type transaction according to an input operation by a user. A deposit-type transaction is a transaction for processing deposited banknotes inserted by a user, for example, a deposit transaction or a transfer transaction. Further, the withdrawal transaction is a transaction for releasing banknotes stored for a user as withdrawal banknotes, for example, a withdrawal transaction. Moreover, the automatic teller machine 1 also performs data processing transactions that are not deposit transactions and withdrawal transactions. This data processing system transaction is a transaction that does not involve a deposit banknote and a withdrawal banknote, and includes, for example, a transfer transaction between accounts and a balance inquiry transaction that inquires about an account balance.

  The monitoring device 2 performs output processing such as displaying the operating state of each automatic teller machine 1. The host device 3 manages the user's address, name, personal identification number, account balance, history of processed transactions, etc. for each opened account. The automatic cash transaction apparatus 1 notifies the monitoring apparatus 2 as an operating state of stopping, operating, or the like. The monitoring device 2 performs an output process such as displaying the notified operation state for each automatic teller machine 1. Thereby, the clerk can check the operation state of each automatic teller machine 1 in the monitoring room. Moreover, the automatic teller machine 1 notifies the processing result concerning the processed transaction to the host apparatus 3. The host device 3 manages each opened account based on the processing result notified from the automatic teller machine 1. The monitoring device 2 and the host device 3 correspond to the host device referred to in the present invention.

  FIG. 2 is a diagram showing a configuration of a main part of the automatic teller machine according to the embodiment of the present invention. The automatic teller machine 1 includes a control unit 10, a bill storage unit 11, a bill transport unit 12, a bill discrimination unit 13, a forged ticket pattern storage unit 14, a medium processing unit 15, a display unit 16, and an operation. A unit 17 and a communication unit 18 are provided. The control unit 10 controls the operation of each part of the main body and executes processing to be described later. The banknote storage unit 11 has a banknote cartridge for storing banknotes for each denomination. It also has a collection cartridge that collects banknotes that cannot be used for transactions. Inside the main body, a banknote transport path that connects a banknote deposit / withdrawal port (not shown) and each banknote cartridge of the banknote storage unit 11 is formed. The banknote deposit / withdrawal port is provided on the front surface of the main body. The user inserts and removes bills at the bill deposit / withdrawal port. The banknote transport unit 12 transports the deposited banknote and the withdrawal banknote along the banknote transport path. In the middle of the banknote transport path, a temporary storage unit that temporarily stores deposited banknotes and withdrawal banknotes is also provided.

  The banknote discriminating unit 13 reads the magnetic pattern and the optical pattern for the banknote transported by the banknote transporting unit 12, and the denomination and authenticity of the banknote from the read magnetic pattern and optical pattern. Are identified. Hereinafter, the magnetic pattern and the optical pattern read from the banknote by the banknote discrimination unit 13 are collectively referred to as a read pattern. The counterfeit ticket pattern storage unit 14 stores a counterfeit ticket reading pattern detected in the past. The banknote discriminating unit 13 uses a forged ticket reading pattern stored in the forged ticket pattern storage unit 14 when discriminating the authenticity of a banknote. The medium processing unit 15 accepts insertion of a medium such as a passbook or a cash card used for transactions, and reads data recorded on the medium (magnetic data, electronic data, data recorded with a barcode, etc.). . The medium processing unit 15 also has a configuration for printing transaction contents on a passbook, a statement slip or the like. The display unit 16 performs display control for displaying an operation guidance screen or the like on the display 16a. The operation unit 17 includes an input device such as a touch panel provided on the screen of the display 16a, and accepts a user's input operation. The communication unit 18 controls data communication with the monitoring device 2 and the host device 3.

  FIG. 3 is a diagram illustrating a configuration of a main part of the monitoring device. The monitoring device 2 includes a control unit 20, a display unit 21, a notification unit 22, and a communication unit 23. The control unit 20 controls the operation of each part of the main body. The display part 21 controls the display of the monitoring panel 21a which displays the operation state etc. of the automatic teller machine 1 for every automatic teller machine 1 connected so that data communication is possible. This monitoring panel 21a is installed in the monitoring room. The monitoring panel 21a allows an attendant to check the operating state of each automatic teller machine 1 or the like. The alerting | reporting part 22 alert | reports warning when abnormality generate | occur | produces in the any cash automatic transaction apparatus 1 which is monitoring the operation state etc. The communication unit 23 controls data communication with the connected automatic teller machine 1. Further, when the monitoring device 2 and the host device 3 are connected so as to be capable of data communication, the communication unit 23 may be configured to control data communication with the host device 3.

  FIG. 4 is a diagram illustrating a configuration of a main part of the host device. The host device 3 includes a control unit 30, an account management database 31 (account management DB 31), a forged ticket database 32 (forged ticket DB 32), a forged ticket transaction log storage unit 33, and a communication unit 34. . The control unit 30 controls the operation of each part of the main body. The account management database 31 is a database in which a user's address, name, personal identification number, account balance, history of transactions processed so far, and the like are registered for each opened account. Each account opened is managed by the account management database 31. The counterfeit ticket database 32 is a database in which read patterns of counterfeit tickets detected in the past are registered. The forged ticket transaction log storage unit 33 stores a transaction log of a transaction in which a forged ticket has been detected in the past. This transaction log includes the type of transaction, the store where the transaction was performed, the identification code of the automated teller machine 1 where the transaction was performed, the transaction account, the transaction amount, the number of banknotes deposited and withdrawn for each denomination, The number of banknotes detected as a ticket for each denomination is included. The communication unit 34 controls data communication with the automatic teller machine 1. Further, when the monitoring device 2 and the host device 3 are connected so as to be able to perform data communication, the communication unit 34 may be configured to control data communication with the monitoring device 2.

  Next, operation | movement of this cash automatic transaction system is demonstrated. The automatic teller machine 1 of this embodiment operates in a normal mode or a degenerate mode. Moreover, the automatic teller machine 1 is a banknote circulation type which utilizes the banknote thrown into the main body by the deposit system transaction etc. as a withdrawal banknote by a withdrawal system transaction. The normal mode is a mode in which transactions can be made with all denominations. In addition, the degenerate mode is a mode in which transactions cannot be performed with banknotes of denominations in which transactions are stopped, and transactions can be performed with banknotes of other denominations in which transactions are not stopped. When the automatic teller machine 1 detects a counterfeit ticket for a certain denomination banknote, the transaction is stopped for the denomination banknote. At this time, the transaction is not stopped for banknotes of other denominations. For example, when a counterfeit ticket of 10,000 yen bills is detected from the deposited banknotes inserted by the user, trading is stopped for 10,000 yen bills, but for 5000 yen bills and 1000 yen bills Do not stop. However, for denominations that have already been stopped at this point, the stopped state is maintained. Similarly, when a 10,000-yen counterfeit ticket is detected from the withdrawal banknotes drawn out from the banknote cartridge, trading is stopped for 10,000-yen bills, but for 5,000-yen bills and thousand-yen bills Do not stop trading. Therefore, even if the automatic teller machine 1 is operating in the reduced mode, the user can make a transaction as long as the banknote is a denomination whose transaction is not stopped. For example, when the automatic teller machine 1 is operating in a reduced mode in which only 10,000 yen bills are stopped, the user can perform transactions using 5,000 yen bills or thousand yen bills. .

  Moreover, if the automatic teller machine 1 detects a forged ticket from a deposit banknote or a withdrawal banknote, it will notify the monitoring apparatus 2 to that effect. Further, the transaction log relating to the transaction in which the forged ticket is detected is notified to the host device 3. When the monitoring device 2 is notified that the counterfeit ticket has been detected from the automatic teller machine 1, the display unit 21 can display the monitor panel 21a and display the automatic teller device 1 that has detected the counterfeit ticket this time. Switch to. The display part 21 switches the display concerning the automatic teller machine 1 which detected the forged ticket, for example to blinking display. In addition, the monitoring device 2 performs alarm notification by the notification unit 22. Thereby, the counter in the monitoring room can promptly confirm that the counterfeit ticket has been detected and the automatic teller machine 1 from which the counterfeit ticket has been detected. In addition, the host device 3 stores a transaction log related to the transaction in which the counterfeit ticket notified from the automatic teller machine 1 is detected in the counterfeit ticket transaction log storage unit 33, and displays a display output or a print output of the transaction. Do.

  As described above, when the automatic teller machine 1 detects a counterfeit ticket, it stops the transaction only for the denominated banknote of the detected counterfeit ticket, instead of completely stopping the counterfeit ticket. Can be prevented, and a reduction in operating rate can be suppressed. In addition, when the monitoring device 2 receives a notification that the counterfeit ticket has been detected from the automatic teller machine 1, a warning notification is issued, so that a clerk or the like is performing a deposit-type transaction in which the counterfeit ticket is detected. It is possible to respond quickly to the person. Moreover, since the transaction log concerning the transaction in which the forged ticket is detected is stored in the forged ticket transaction log storage unit 33 of the host device 3, the contents of the transaction in which the forged ticket is detected in the host device 3 are analyzed. Can do. Therefore, security against counterfeit tickets can be secured.

  Hereinafter, operation | movement of each apparatus of this cash automatic transaction system is demonstrated in detail. 5 and 6 are flowcharts showing the operation of the automatic teller machine of this embodiment. When the automatic teller machine 1 detects a user with a sensor provided on the front surface of the main body, the display unit 16 displays a transaction type selection screen on the display 16a (s1). If the automatic cash transaction apparatus 1 is in the normal mode, the transaction type selection screen shown in FIG. 7 is displayed on the display 16a, and if it is in the degenerate mode, the transaction type selection screen informing the user of banknotes of denominations that cannot be traded. Is displayed on the display 16a. For example, in the degenerate mode in which transactions are stopped only for 10,000 yen bills, the transaction type selection screen shown in FIG. 8 is displayed on the display 16a.

The automatic teller machine 1 accepts input of a transaction type by a user and accepts input of a medium such as a passbook or a cash card used in the current transaction (s2, s3). In s3, the operation unit 17 accepts input of an item necessary for processing the type of transaction selected in s1, for example, a password. The automatic teller machine 1 determines whether the transaction of the type input in s2 is a deposit transaction, a withdrawal transaction, or a data processing transaction (s4, s5). The automatic teller machine 1 determines that the transaction is a data processing transaction when the transaction is not a deposit transaction or a withdrawal transaction. If it determines with it being a deposit system transaction, the automatic teller machine 1 will accept | insert insertion of the banknote (payment banknote) to the banknote depositing / withdrawing port by a user (s6). The automatic teller machine 1 discriminates the denomination and authenticity of the deposited banknote inserted in s6 in the banknote discrimination unit 13 (s7). In s7, the banknotes inserted into the banknote deposit / withdrawal port are fed one by one and conveyed to the banknote discrimination unit 13. The banknote discrimination part 13 reads a magnetic pattern and an optical pattern for every banknote conveyed, and discriminate | determines the denomination and authenticity of the banknote. The bill discriminating unit 13 collates a bill reading pattern with a bill reading pattern of each denomination stored in a memory (not shown) to discriminate whether the denomination is a genuine note or not. . Moreover, the banknote identification part 13 collates the reading pattern of the banknote with the forged ticket pattern memorize | stored in the forged ticket pattern memory | storage part 14 about the banknote which could not be identified as a genuine note, Discriminate whether there is. Thereby, in s7, with respect to each banknote,
(1) Banknotes identified as genuine
(2) Banknote that could not be identified as a genuine ticket or a counterfeit ticket (3) Obtain a discrimination result for any banknote that was identified as a counterfeit ticket. Thus, since the banknote discrimination part 13 is the structure which discriminates the authenticity of each banknote using the forged ticket pattern memorize | stored in the forged ticket pattern memory | storage part 14, the discrimination accuracy concerning the authenticity of a banknote is enough. Can be secured. The banknote conveyance part 12 conveys the banknote discriminated as a genuine note with the denomination which has not stopped transaction to a temporary storage part. In addition, for banknotes that could not be identified as genuine or counterfeit, banknotes that were identified as counterfeit, and banknotes that were identified as genuine by denomination that stopped trading, returned banknotes To the bill deposit / withdrawal port.

  If there is a banknote identified as a counterfeit ticket in s7, the automatic teller machine 1 stops the current transaction (s8, s9). Then, the automatic teller machine 1 notifies the monitoring device 2 that the counterfeit ticket has been detected and instructs the execution of warning notification (s10). This notification includes a message notifying that a counterfeit ticket has been detected, an identification code of the automatic teller machine 1, a transaction type of the current transaction, a trading account, an identification code of the detected counterfeit ticket, and the like. Yes.

  As shown in FIG. 9, when the monitoring device 2 receives a notification that a counterfeit ticket has been detected from one of the automatic teller machines 1 (s51), the monitoring device 2 includes the automatic teller device 1 included in the notification. The automatic teller machine 1 which detected the forged ticket is specified from an identification code (s52). And in the monitoring apparatus 2, while the display part 21 switches the display of the automatic teller machine 1 from which the counterfeit ticket was detected in the monitoring panel 21a to blinking display, the alerting | reporting part 22 alert | reports warning (s53). Thereby, it is possible to prompt the attendant or the like to confirm that the counterfeit ticket has been detected by the automatic teller machine 1 or the automatic teller machine 1 from which the counterfeit ticket has been detected. Therefore, the clerk or the like can quickly respond to the cash automatic transaction apparatus 1 in which the counterfeit ticket is detected and the user who is performing the deposit-type transaction in which the counterfeit ticket is detected.

  Moreover, the automatic teller machine 1 notifies the host apparatus 3 of the transaction log concerning the transaction in which the forged ticket is detected this time (s11). This transaction log includes a message notifying that a counterfeit ticket has been detected, the type of transaction in which the counterfeit ticket was detected, the store where the transaction was performed, and the identification code of the automated teller machine 1 where the transaction was performed. , Transaction account, transaction amount, number of banknotes deposited and withdrawn for each denomination, number of banknotes for each denomination detected as a forged ticket, and the like.

  As shown in FIG. 10, when the host device 3 receives a transaction log of a transaction in which a counterfeit ticket is detected from any of the automatic teller machines 1 (s61), the host device 3 displays the transaction log received this time as a counterfeit ticket transaction log storage unit. 33 (s62), and a journal based on the transaction log is printed (s63). FIG. 11 is a diagram illustrating a journal that the host device 3 prints and issues in s63.

  The automatic teller machine 1 transports all the deposited banknotes for the current transaction, which are held in the temporary holding unit at this time, to the banknote deposit / withdrawal port and returns them to the user (s12). At this time, the banknote that could not be identified as a genuine ticket or a counterfeit ticket or the banknote identified as a counterfeit ticket has already been transported to the banknote deposit / withdrawal port. Moreover, the automatic teller machine 1 discharge | releases all the media which the medium process part 15 received by this transaction, and returns to a user (s13). And the setting which stops transaction about the banknote of the money type according to the forged ticket detected this time is performed (s14). By executing this s14, the automatic teller machine 1 shifts to a degenerate mode in which the transaction for the denominated banknote corresponding to the detected counterfeit ticket is stopped. In addition, when the deposited banknote for this transaction is returned to the user in s12, the display unit 16 reads “A banknote that is not a banknote has been inserted. Please confirm. Sorry, we cannot make a transaction this time.” Such a message may be displayed on the display 16a. The automatic teller machine 1 waits for the banknote returned to the user in s12 and the medium returned to the user in s13 to be extracted by the user (s15), and ends the current transaction.

  Moreover, the automatic teller machine 1 discriminate | determines that all banknotes are genuine bills, and there is no banknote of the money type in which transaction is stopped at this time in a deposited banknote (s16, s17), The transaction of the type selected this time is processed (s18). The automatic teller machine 1 releases all the media accepted by the media processing unit 15 in the current transaction and returns them to the user (s19). The automatic cash transaction apparatus 1 notifies the host apparatus 3 of the current transaction content (s20). The host device 3 updates the account management database 31 based on the transaction details notified from the automatic teller machine 1. The automatic teller machine 1 waits for the medium returned to the user in s19 to be extracted by the user (s21), and ends the current transaction. At this time, the automatic teller machine 1 conveys and stores the banknotes held in the temporary storage unit into banknote cartridges corresponding to the denominations of the banknotes.

  Moreover, although the automatic teller machine 1 was not detected about a forged ticket, it was not able to discriminate | determine whether it is a genuine ticket or a forged ticket, or the denomination of which the transaction is stopped at this time When there is a banknote (that is, when N is determined in s16 or s17), these banknotes are returned to the user as return banknotes (s22). At this time, the automatic teller machine 1 is discriminate | determined that it is a genuine note, and about the banknote of the denomination whose transaction is not stopped at this time, it has hold | maintained in the temporary storage part. When the automatic teller machine 1 returns the banknote to the user in s22, the display unit 16 displays the total amount of banknotes held in the temporary storage unit on the display 16a. In addition, if there is a denomination banknote whose transaction is stopped at this point in the banknotes returned this time, a message to that effect is also displayed on the display 16a. For example, a message such as “I'm sorry, 10,000 yen bills are not currently available” is displayed on the display 16a.

  The automatic teller machine 1 returns to s7 if there is a re-insertion of the banknote into the banknote deposit / withdrawal port (s23). Also, if there is a confirmation input of the amount by the user (s24), the processing after s18 is executed. Further, when there is an input related to the cancellation of the transaction, all the deposited banknotes held in the temporary storage unit or the like for the current transaction are conveyed to the banknote deposit / withdrawal port and returned to the user (s25, s26). In s26, the medium processing unit 15 releases all the mediums accepted in the current transaction and returns them to the user. The automatic teller machine 1 waits for the banknote or medium returned to the user in s26 to be extracted by the user (s27), and ends the current transaction.

  Next, a case where it is determined in s5 that the transaction is a withdrawal transaction will be described. The automatic teller machine 1 determines the number of banknotes to be withdrawn for each denomination according to the withdrawal amount (s28). At this time, the automatic teller machine 1 sets the number of withdrawals to 0 for banknotes of denominations whose transactions are stopped at this time. The automatic teller machine 1 pays out banknotes stored in the banknote cartridge based on the number of dispensed banknotes of each denomination determined in s28. The automatic teller machine 1 performs banknote denomination and true / false discrimination by the banknote discrimination unit 13 (s29). The banknote identified as a genuine note is held in the temporary holding unit. Banknotes that cannot be identified as genuine or counterfeit are transported to a collection cartridge and collected. When the automatic teller machine 1 detects the counterfeit ticket, it conveys all the banknotes (including banknotes held in the temporary storage unit at this time) already fed out from the banknote cartridge to the collection cartridge at that time. To collect (s30, s31). The automatic teller machine 1 notifies the monitoring device 2 that a counterfeit ticket has been detected and instructs the execution of warning notification (s32). Moreover, the automatic teller machine 1 notifies the host apparatus 3 of the transaction log concerning the transaction in which the forged ticket is detected this time (s33). The process related to s32 is the same as the process related to s10 described above, and the process related to s33 is the same as the process related to s11 described above. FIG. 12 is a diagram showing a journal issued in the host apparatus 3 that has received this notification.

  Moreover, the automatic teller machine 1 performs the setting which stops transaction about the banknote of the money type according to the forged ticket detected this time (s34). By executing this s34, the automatic teller machine 1 shifts to the degenerate mode in which the transaction for the denominated banknote corresponding to the detected counterfeit ticket is stopped. The automatic teller machine 1 notifies the user that the banknote of the denomination corresponding to the forged ticket detected this time cannot be withdrawn, and displays a confirmation message as to whether or not to continue the transaction on the display 16a ( s35). For example, when a counterfeit ticket of 10,000 bills is detected this time, a confirmation message “The 10,000 yen bill cannot be withdrawn. Do you want to cancel the transaction or continue?” Is displayed on the display 16a. When there is an input to continue the transaction (s36), the automatic teller machine 1 returns to s28. On the other hand, if there is an input to cancel the transaction, the automatic teller machine 1 releases all the media accepted by the medium processing unit 15 in the current transaction and returns them to the user (s37). The automatic teller machine 1 waits for the medium returned to the user in s37 to be extracted by the user (s38), and ends the current transaction. In addition, when the automatic teller machine 1 holds the number of banknotes corresponding to the withdrawal amount in the temporary holding unit without detecting a counterfeit ticket in s30 (s39), the banknote held in the temporary holding unit is set in the deposit / withdrawal port. Transaction processing such as withdrawal to the user and withdrawal to the user (s40), and the processing after s37 is executed.

  Moreover, when it determines with it being a data processing type | system | group transaction, the automatic teller machine 1 will perform the process concerning the transaction (s41), and will perform the process after s37.

Thus, if the automatic teller machine 1 of this embodiment detects a forged ticket, it will stop dealing only about the banknote of the denomination according to the forged ticket, and will not stop dealing about the banknote of another denomination. Therefore, it can prevent that a forged ticket distribute | circulates, and can suppress the fall of the operating rate of the automatic teller machine 1 accompanying the detection of a forged ticket. Moreover, if the automatic teller machine 1 detects a forged ticket, it will notify the monitoring apparatus 2 to that effect immediately. Then, since the monitoring device 2 gives a warning notification, a clerk or the like responds promptly to a cash automatic transaction device 1 in which a forged ticket is detected or a user who is performing a deposit-type transaction in which a forged ticket is detected. can do. Moreover, since the transaction log concerning the transaction in which the forged ticket is detected is stored in the forged ticket transaction log storage unit 33 of the host device 3, the contents of the transaction in which the forged ticket is detected in the host device 3 are analyzed. Can do. Therefore, security against counterfeit tickets can be secured.

  In addition, in the deposit transaction, as shown in FIG. 13, a step (s45) of displaying an advertisement screen such as a product guide is inserted between s11 and s12 in the above embodiment, and the processing after s12 is performed. You may make it earn time (several minutes) until it is performed. In this way, it is possible to stop the user without feeling uncomfortable for the user who is conducting the payment transaction in which the counterfeit ticket is detected. Can also be heard.

  Moreover, even if it is a case where a forged ticket is detected from a deposit | payment banknote, if it is the cash automatic transaction apparatus 1 of the type which does not use a deposit | payment banknote as a withdrawal banknote, it will be accommodated in the banknote cartridge used as a withdrawal banknote. It is very unlikely that counterfeit tickets are present in the bills. Therefore, when a counterfeit ticket is detected from the deposited banknote, the withdrawal process may be configured such that the transaction is not stopped for the denomination banknote corresponding to the counterfeit ticket.

  Moreover, if it is a banknote in which many types of forged tickets are circulating, you may make it discriminate | determine that the banknote which could not be distinguished whether it is a genuine ticket or a forged ticket is a forged ticket. In this way, even a forged ticket whose reading pattern is not stored in the forged ticket pattern storage unit 14 can be detected as a forged ticket. Thereby, it can prevent more reliably that a forged ticket distribute | circulates.

  Further, the automatic teller machine 1 may be configured to periodically download the forged ticket reading pattern stored in the forged ticket database 32 of the host device 3 and update the forged ticket pattern storage unit 14. If it does in this way, the further improvement of the discrimination precision of the forged ticket in the automatic teller machine 1 can be aimed at.

It is the schematic which shows the cash automatic transaction system to which the cash automatic transaction apparatus which is embodiment of this invention is applied. It is a figure which shows the structure of the principal part of the automatic teller machine which is embodiment of this invention. It is a figure which shows the structure of the principal part of a monitoring apparatus. It is a figure which shows the structure of the principal part of a host apparatus. It is a flowchart which shows operation | movement of the automatic teller machine of this embodiment. It is a flowchart which shows operation | movement of the automatic teller machine of this embodiment. It is a figure which shows the initial screen at the time of the normal mode of the automatic teller machine of this embodiment. It is a figure which shows the initial screen at the time of the degeneration mode of the automatic teller machine of this embodiment. It is a flowchart which shows operation | movement of a monitoring apparatus. It is a flowchart which shows operation | movement of a host apparatus. It is a figure which shows the journal which printed the transaction log of the transaction in which the forged ticket was detected. It is a figure which shows the journal which printed the transaction log of the transaction in which the forged ticket was detected. It is a flowchart which shows operation | movement of the automatic teller machine of another embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1-Cash automatic transaction apparatus 2-Monitoring apparatus 3-Host apparatus 10-Control part 11-Bill storage part 12-Bill conveyance part 13-Bill discriminating part 14-Counterfeit ticket pattern storage part 15-Media processing part 16-Display part 17 -Operation unit 18-Communication unit

Claims (8)

A transaction processing means for performing a deposit-type transaction for processing an inserted deposited banknote, and a withdrawal-type transaction for releasing a stored banknote as a withdrawal banknote;
Discrimination to discriminate the denomination and authenticity of deposited banknotes during deposit-type transactions by the transaction processing means , and to discriminate denominations and authenticity of withdrawal banknotes in withdrawal-type transactions by the transaction processing means Means,
When the discrimination means detects a counterfeit ticket, after that, for the banknote of the denomination corresponding to the counterfeit ticket, the deposit transaction and the withdrawal transaction by the transaction processing means are stopped, and the banknote of other denomination Is an automatic cash transaction apparatus comprising: degeneration means for maintaining the stop and continuation of the deposit-type transaction and the withdrawal-type transaction by the transaction processing means in the state at that time. 2. The automatic teller machine according to claim 1 , further comprising an output unit that outputs that when the discrimination unit detects a counterfeit ticket. The automatic cash transaction apparatus according to claim 2 , wherein the output means is means for notifying a host device of a transaction log relating to a transaction in which the discrimination means detects a forged ticket. The automatic cash transaction apparatus according to claim 2 or 3 , wherein the output means is a means for instructing a host device to execute warning notification. A counterfeit ticket pattern storage means for storing a counterfeit ticket read pattern;
The automatic teller machine according to any one of claims 1 to 4 , wherein the discrimination means is means for discriminating the authenticity of a banknote using a counterfeit ticket reading pattern stored in the counterfeit ticket pattern storage means. . 6. The automatic teller machine according to claim 5 , further comprising a counterfeit ticket pattern acquisition unit that acquires a counterfeit ticket reading pattern from a host device and stores it in the counterfeit ticket pattern storage unit. The automated cash transaction according to any one of claims 1 to 6 , further comprising transaction interruption means for interrupting the payment-related transaction when the identification means detects a counterfeit ticket in the payment-related transaction by the transaction processing means. apparatus. A display means for displaying an operation guidance screen to the user is provided.
8. The automatic cash transaction apparatus according to claim 7 , wherein the transaction interruption unit is a unit that instructs the display unit to display an advertisement screen when the deposit transaction by the transaction processing unit is interrupted.

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