JP5046903B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to, for example, an automatic transaction apparatus capable of withdrawing banknotes, and in particular, collects banknotes in an easy-to-take state, recognizes the state of a medium to be withdrawn, and forgets to forget to issue a forgetting warning. The present invention relates to an automatic transaction apparatus that prevents such a situation.

  2. Description of the Related Art Conventionally, in an automatic transaction apparatus, forgetting to remove a banknote that has been withdrawn often occurs. In order to reduce the frequency of occurrence, there has been proposed an apparatus that withdraws banknotes in an easy-to-take state and displays information on the medium to be withdrawn.

  For example, as a device that makes it easy to pick up banknotes, there has been proposed a banknote depositing and dispensing device that makes it easy for a user to pull out aligned banknotes when the banknotes are returned (see Patent Document 1).

  In addition, as an apparatus for displaying information on a medium to be withdrawn, an automatic transaction apparatus has been proposed in which reception guidance on a display unit is effectively used to prevent forgetting (see Patent Document 2). This automatic transaction apparatus displays and guides the transaction media to be received for the transaction at a time prior to the transaction media receiving process, and releases the transaction medium after waiting for the user's selection during the receiving process. .

  Also, there has been proposed a currency exchange device that can display the contents of exchange on the exchange content confirmation screen after the exchange selection is completed (see Patent Document 3). Since this money exchange device represents the form of a denomination as a symbol and displays the quantity, it is said that the contents of money exchange can be grasped accurately and intuitively.

JP 2006-53811 A Japanese Patent Laid-Open No. 8-050681 JP 2001-134801 A

  However, the banknote depositing / withdrawing apparatus of Patent Document 1 may cause a small banknote to be hidden behind a large banknote when a plurality of denominations are withdrawn. In addition, if the bill or the hand is difficult to see due to the structure of the withdrawal port, the user may fail to grasp the bill. For this reason, the banknote depositing / withdrawing apparatus disclosed in Patent Document 1 has a problem that forgetting to collect banknotes occurs.

  In addition, in the case of the automatic transaction device of Patent Document 2 and the money exchange device of Patent Document 3, the user can grasp whether or not all the displayed numbers have been extracted even though the denomination and number of money to be dispensed can be grasped. I can't. Moreover, the automatic transaction apparatus of patent document 2 and the money-changing apparatus of patent document 3 cannot give the user the consciousness for forgetting.

  An object of the present invention is to provide an automatic transaction apparatus that can easily collect banknotes and collect them in a withdrawal port to prevent a user from forgetting to remove banknotes.

  This invention includes input means for accepting an input of a withdrawal amount, a withdrawal opening for dispensing at least banknotes, a feeding means for feeding out a plurality of types of banknotes having different denominations to the withdrawal opening, and banknote stacking order information. Storage means for storing the money in correspondence with the amount to be withdrawn, and control means for controlling these, the control means accepting the input of the amount to be withdrawn by the input means, and the accumulated order information corresponding to the amount to be withdrawn The automatic transaction apparatus is configured to collect banknotes in the withdrawal port by the feeding means according to the accumulation order information acquired from the storage means.

  According to the present invention, it is possible to easily collect banknotes and collect them at the withdrawal port, and prevent the user from forgetting to remove banknotes.

  An embodiment of the present invention will be described below with reference to the drawings. This embodiment relates to an automatic transaction apparatus such as an ATM (Automatated Teller Machine) employed in a financial institution system such as a bank system.

  FIG. 1 is a block diagram showing the internal configuration of the ATM 101. A schematic structure of the ATM 101 will be described with reference to a block diagram of this internal configuration.

  The ATM 101 is an automatic transaction apparatus that is installed in a financial institution or the like and performs transactions such as cash deposits and withdrawals by user operations. The ATM 101 is a device that automatically executes various transactions requested by the user, and includes a storage unit 103 as a storage unit, an interface unit 104, a staff operation unit 105, a customer operation unit 106 as an input unit and a notification unit, A coin deposit / withdrawal mechanism unit 107, a bill deposit / withdrawal mechanism unit 108 as a feeding unit, a card / detail processing mechanism 109, a power source 110, and a control unit 102 as a control unit for controlling these units, and the like.

The control unit 102 includes a hardware configuration such as a CPU and a memory and a software configuration such as a program and data, and controls various processes and transactions.
The storage unit 103 includes the accumulation pattern data 113 as accumulation order information indicating denominations and accumulation patterns corresponding to the withdrawal amount, the forgetting history data 114 as forgetting history information indicating the user's past forgetting, It has a function of storing user transaction history, display screen data, and the like.

The interface unit 104 has a function of connecting to a host computer or another terminal.
The clerk operation unit 105 has a function of displaying the operation content and a function of receiving the input content when the clerk performs loading, collecting, remaining amount grasping, and the like.
The customer operation unit 106 has screen display and key input detection functions. This customer operation unit 106 mainly displays a transaction operation guide screen and transaction information when a user of the ATM 101 performs a transaction, and accepts a user's operation such as a personal identification number and a key input pressed by a finger. The customer operation unit 106 is preferably composed of an input / display unit configured by a touch panel or the like, displays various information on the display screen, and detects pressing of various items included in the display screen. .

  The coin deposit / withdrawal mechanism 107 and the banknote deposit / withdrawal mechanism 108 have a cash deposit / withdrawal function, a cash discrimination / conveyance function, and a storage function. It also has the function of paying out and accumulating cash at the withdrawal port.

  In particular, the banknote deposit / withdrawal mechanism unit 108 includes denomination cartridges (denomination 1 cartridge, denomination 2 cartridge, and denomination 3 cartridge) that store banknotes in denominations. Therefore, the banknote deposit / withdrawal mechanism unit 108 stores the deposited banknotes in the denomination type cartridges, and feeds out the withdrawal banknotes from each denomination cartridge in the denominations.

  The card / detail processing mechanism 109 executes a user card insertion or ejection operation, a card magnetic stripe or IC chip read or write operation, a card embossed portion image read operation, and the like. Further, the card / detail processing mechanism 109 has a function of printing the transaction contents on a statement slip by the printing unit and discharging it from the apparatus.

FIG. 2 shows a configuration diagram of the integrated pattern data 113 stored in the storage unit 103.
In the integrated pattern data 113, six types of integrated patterns from pattern 1 to pattern 6 are stored. In each pattern, an accumulation order indicating from which denomination is accumulated is stored. For example, the pattern 1 is stored as being accumulated in the order of the denomination 2, the denomination 1, and the denomination 3.

  The stacking pattern of this embodiment shows the order in which the banknotes are lined up from the top after the stacking, and the order of the banknotes fed out from the money type cartridge is reversed. Note that the way of showing the accumulation pattern is not limited to this, and the arrangement may be such that the order in which the collection patterns are arranged from the bottom in the withdrawal port after the collection is shown, and the bills are fed out from the denomination type cartridge in this order.

FIG. 3 is a screen configuration diagram of the integration state display screen 400 displayed on the customer operation unit 106.
On the accumulation state display screen 400, an accumulation state display 401, a withdrawal content display 402 (402a to 402c), a warning display 403, and a warning display 404 are performed.
The accumulation status display 401 uses symbols to display the accumulation status of the deposit / withdrawal port at a glance. For each banknote of each denomination, the size of the banknote is represented by the symbol size, and the number of withdrawals is represented by the number of symbols overlapped. Also, the order of the denominations accumulated is represented by the vertical arrangement of symbols.

A part of the accumulation state display 401 may be a warning display 403.
This warning display 403 displays a symbol in a color different from other denominations in order to pay attention to the denomination of a denomination that is frequently forgotten by the user. Also, if there is a mistake in the past, a warning display 403 is performed for each user based on the contents. Thereby, when a user takes out a banknote, consciousness can be given so that it may not forget to take out.

  The withdrawal details display 402 specifically shows the number of withdrawals by value in terms of money type. The display order of the withdrawal content display 402 is the same permutation as the accumulation order.

  The alert display 404 displays, for example, a word such as “Please be careful not to forget to remove”, and alert the user to be careful not to forget. This warning display 404 is usually displayed only for users who have forgotten to remove in the past, or is displayed only in the case of an integrated pattern that is likely to be forgotten. Displaying only at times can alert the user more effectively.

FIG. 4 is an explanatory diagram for explaining a state in which banknotes are accumulated in the deposit / withdrawal port 301 as the withdrawal port.
As shown in FIG. 4A, the deposit / withdrawal port 301 is configured to be inclined so as to descend from the opening 305 toward the back 302. Similarly, the bottom 303 is inclined so as to descend from the opening 305 toward the back 302, and the length from the back 302 to the opening end 304 is that of a large-size banknote (denomination 3 in this example). It is configured to be shorter than the length. Bills 312 (312a to 312c) are stacked on the inclined bottom portion 303 and stacked in the stacking space 306.

  As an accumulation pattern, for example, as shown in FIG. 4A, the banknote 312c of the longest denomination 3 is positioned downward, and then the longest denomination 2 is positioned upward, The banknote 312a of the shortest denomination 1 can be sandwiched between them.

  Further, as shown in FIG. 4B, the banknote 312c of the longest denomination 3 is positioned below, the banknote 312a of the denomination 1 having the shortest length is positioned above, and the middle of the length The denomination 2 can be sandwiched between them.

FIG. 5 is a flowchart showing an operation executed by the control unit 102 of the ATM 101 when the banknote is withdrawn.
The control unit 102 displays a withdrawal amount selection screen (not shown) for the user to input the withdrawal amount on the display screen of the customer operation unit 106 (step S201).

  When the user operates the customer operation unit 106 and inputs the amount to be withdrawn, the control unit 102 confirms the input content (step S202). If there is a problem with the input content (step S202: No), the control unit 102 returns the process to step S201 and requests the amount input again.

  When there is no problem in the input content (step S202: Yes), the control unit 102 checks the forgetting history data 114 (see FIG. 1) recorded in the storage unit 103 (step S203).

  Then, the control unit 102 determines a denomination and an accumulation pattern corresponding to the input withdrawal amount from the accumulation pattern data 113 (see FIG. 2) stored in the storage unit 103 (step S204). At this time, with reference to the forgetting history data 114, if there is an integration pattern that has been forgotten in the past, another integration pattern is selected. For the selection of the integrated pattern, for example, a priority order may be given to the integrated pattern, and an integrated pattern with a high priority order may be adopted first, and each time it is left out, it is switched to the integrated pattern with the next highest priority order.

  For example, as shown in FIG. 4 (A), the banknote 312a of the denomination 1 which is small in size and frequently forgotten, the banknote 312b of the denomination 2 and the banknote of the denomination 3 as a stacking pattern having a high priority. A pattern 1 stacking process that stacks in a state of being sandwiched by 312c is employed.

  However, in the past transaction of the user, if the withdrawal of the denomination 1 has occurred in this accumulation pattern, in the next transaction, as shown in FIG. In addition, the pattern 2 to be accumulated on the banknote 312a of the denomination 2 and the banknote 312c of the denomination 3 is selected to improve the visibility of the denomination 1 and prevent the same forgetting.

  The control unit 102 causes the customer operation unit 106 to display the accumulation state display 401 of the deposit / withdrawal port 301 at the time of banknote removal (step S205). In the accumulation state display 401, as described above, the withdrawal content display 402, the warning display 403, and the alert display 404 are displayed. Thereby, when there is a forgetting, the lack of bills can be caught sensuously.

  Here, the warning display 403 and the alert display 404 are displayed in the case of an accumulation pattern with a high forgetting rate or in the case of an accumulation pattern in which denominations that the user has forgotten in the past are mixed. In some cases, it is preferable not to display. In this case, the forgetting rate may be calculated from the forgetting history data 114 or may be stored in advance in the storage unit 103 in advance. Thus, it is possible to effectively prevent forgetting by calling attention only when special attention is required.

  The control unit 102 drives and controls the banknote deposit / withdrawal mechanism unit 108 based on the stacking pattern data 113 determined in step S204, and performs stacking processing for stacking banknotes in the deposit / withdrawal port 301 using this stacking pattern (step S206).

Here, with reference to the flowchart of FIG. 6, for example, an accumulation process when pattern 1 is selected for accumulation will be described.
In this case, the banknote deposit / withdrawal mechanism unit 108 feeds out the denomination 3 banknote from the denomination 3 cartridge (step S501), and accumulates the denomination 3 banknote in the deposit / withdrawal port 301 (step S502). Next, the denomination 1 bill is fed out from the denomination 1 cartridge (step S503), and the denomination 1 bill is accumulated in the deposit / withdrawal port 301 (step S504). Finally, the denomination 2 banknote is fed out from the denomination 2 cartridge (step S505), and the denomination 2 banknote is accumulated in the deposit / withdrawal port 301 (step S506). In this way, according to the accumulation pattern, the necessary number of sheets are fed out from one denomination type cartridge and then fed out from the next denomination type cartridge, whereby the accumulation process can be executed efficiently. And a banknote can be withdrawn in the state which a user is easy to take, and generation | occurrence | production of the forgetting to take out by losing a banknote can be prevented.

  After executing the stacking process as described above, the control unit 102 detects the remaining banknotes until the banknotes are withdrawn and taken out as shown in FIG. 5 (step S207). When banknotes remain (step S207: No), the deposit / withdrawal port 301 is monitored and waits until a predetermined time elapses (step S208: No).

  When the predetermined time has elapsed (step S208: Yes), the control unit 102 determines that it has been forgotten, performs a forgetting process (step S209), and records the details of forgetting in the storage unit 103 as the forgetting history data 114. (Step S210).

  If there is no remaining banknote in step S207 and the banknote removal is completed (step S207: Yes), the control unit 102 ends as the normal process.

With the above configuration and operation, the banknote 312 can be easily collected and accumulated in the deposit / withdrawal port 301 to prevent the user from forgetting to remove the banknote 312.
In particular, the storage unit 103 stores the accumulated pattern data 113 in consideration of the denomination to be withdrawn with respect to the amount that the ATM 101 can trade and the prevention of forgetting, and collates the amount with the amount requested by the user, Since the banknotes 312 are stacked at the deposit / withdrawal port 301 in accordance with the contents of the selected stacking pattern, the banknotes 312 can be stacked in a state that is easy for the user to take.

  Even if it is difficult to see the banknote 312, the banknote 312 can be easily collected at the deposit / withdrawal port 301.

  Further, transaction data (particularly, forgetting history data 114) is stored, and when there is a forgetting in the past, it is possible to accumulate bills according to the user by changing the accumulation pattern.

  Furthermore, since the accumulation state, denomination, bill size and number of banknotes of the banknote 312 are displayed on the customer operation unit 106, the user can know the accumulation state of the banknote 312 and the banknote 312 can be removed from the deposit / withdrawal port 301. Be careful not to forget it when taking it out. Moreover, the user can catch the shortage of banknotes sensuously when he / she forgets to take it by knowing the contents of withdrawal in advance by displaying on the customer operation unit 106.

  Furthermore, since the warning display 403 and the alert display 404 are performed on the customer operation unit 106, it is possible to display a warning about forgetting about banknotes 312 having a high forgetting occurrence rate and the contents of past forgetting. Thereby, the user can pay attention to the banknote 312 that is often forgotten. Moreover, by displaying a warning about the contents of past forgetting to the user, the same forgetting can be prevented and the occurrence rate of forgetting can be lowered.

In the above embodiment, the accumulation state display 401 uses symbols representing the size of banknotes and the number of withdrawals. You may display on the operation part 106. FIG.
The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

The block diagram which shows the internal structure of ATM. The block diagram of the integrated pattern data memorize | stored in the memory | storage part. The screen block diagram of an integration | stacking state display screen. Explanatory drawing explaining the state which accumulated the banknote in the deposit or withdrawal port. The flowchart which shows the operation | movement which the control part of ATM performs. The flowchart of an accumulation process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 ... ATM, 102 ... Control part, 103 ... Memory | storage part, 106 ... Customer operation part, 108 ... Banknote depositing / withdrawing mechanism, 113 ... Accumulation pattern data, 114 ... Forgetting history data, 301 ... Deposit / withdrawal port, 312 ... Banknote

Claims (4)

An input means for accepting input of a withdrawal amount;
A withdrawal opening for at least withdrawal of banknotes,
A feeding means for feeding out a plurality of types of banknotes having different denominations to the withdrawal port;
Storage means for storing banknote stacking order information in correspondence with the withdrawal amount;
Control means for controlling these,
The control means includes
The input of the withdrawal amount by the input means is received, the accumulation order information corresponding to the withdrawal amount is acquired from the storage means, and the bills are accumulated in the withdrawal port by the feeding means according to the accumulation order information. Automatic transaction device. The automatic transaction apparatus of Claim 1 provided with the alerting | reporting means which alert | reports to a user the at least one of the money type and banknote size of a banknote integrated | stacked on the said withdrawal port, and a stacking order. The storage means is configured to store an accumulation sequence with a high forgetting occurrence rate,
The control means includes
The automatic transaction apparatus according to claim 2, wherein when the collection order is a collection order with a high occurrence rate of forgetting, a warning of forgetting attention is notified by the notification means. When the banknote is forgotten to be taken out at the withdrawal port, the withdrawal amount and the stacking order are stored in the storage means as forgotten history information,
The control means includes
When the stacking order corresponding to the withdrawal amount input by the input means is extracted, it is determined whether or not the stacking order is a stacking order frequently forgotten in the past. The automatic transaction apparatus according to claim 1, 2 or 3, wherein the arrangement is changed to a different integration order.

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