JP5187157B2 - Automatic transaction apparatus and control method of automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution or the like.

  2. Description of the Related Art Conventionally, an automatic transaction apparatus installed in a business institution of a financial institution has a bill insertion / return port for inserting or returning bills in deposit / withdrawal transactions. The bill insertion / return opening usually has a shutter, and when depositing, when the customer completes the insertion of the bill, the shutter is closed and the inserted bill is taken into the automatic transaction apparatus. At the time of withdrawal, when the banknote deposit / withdrawal unit completes the collection of the dispensed banknotes into the banknote insertion / return port, the shutter is opened to allow the customer to take out.

Japanese Patent Application Laid-Open No. 2008-97241 (Patent Document 1) discloses that a banknote is conveyed to a customer service opening in a state where the shutter operation is abnormal with respect to the shutter opening / closing control of the banknote insertion / return port of such an automatic transaction apparatus. A technique for preventing money from being taken away by a third party due to shutter abnormality is disclosed. According to Patent Document 1, the shutter is opened and closed once for confirmation. If the result of the confirmation is normal, the banknote is conveyed, and if not normal, the banknote is not conveyed.
JP 2008-97241 A

  However, in the conventional system, a third party prevents a crime to try to fraud the banknote by installing a special instrument around the shutter of the banknote insertion / return port of the automatic transaction apparatus and obstructing the opening / closing of the shutter. There was a problem that we couldn't. That example will be described with reference to FIG.

  FIG. 8 is an explanatory diagram showing an example of a conventional intentional operation. The third party wears a special instrument 56 that looks like the shutter 55 on the shutter 55 of the bill insertion / return port 52 of the automatic transaction apparatus 51 (FIG. 8A). Customers who are unaware of this will conduct withdrawal transactions. The automatic transaction apparatus 51 performs a withdrawal operation, accumulates banknotes M corresponding to the amount designated by the customer in the banknote insertion / return port 52, and opens the shutter 55, thereby enabling the customer to take out the banknotes M ( FIG. 8B).

  However, it appears to the customer that the shutter 55 is closed. In addition, a lock mechanism 56a that prevents the closing operation of the shutter 55 that has once been opened is provided at the bottom of the special instrument 56 (FIG. 8C). The customer cannot take out the banknote M because the shutter 55 appears to be closed. Therefore, although the automatic transaction apparatus 51 tries to close the shutter 55 after a predetermined time, the shutter 55 cannot be closed because the lock mechanism 56a locks the operation of the shutter 55 (FIG. 8D). Thereafter, when the customer gives up taking out the banknote M and leaves the automatic transaction apparatus 51, the third party can remove the special instrument 56 and take out the banknote M (FIG. 8 (e)). )).

  The problem to be solved by the present invention is a crime in which a third party attempts to fraudulent bills by attaching a special instrument around the shutter of the bill insertion / return port of the automatic transaction apparatus and obstructing the opening / closing of the shutter. It is an object of the present invention to provide an automatic transaction apparatus that can prevent the occurrence of the problem.

  The invention according to claim 1 for solving the above-described problem is provided with a service opening that has a shutter and collects withdrawal money, and a sensor that detects whether or not there is a foreign object on the shutter of the service opening. It is an automatic transaction apparatus characterized by this. According to a second aspect of the present invention, in addition to the components of the first aspect of the invention, the sensor determines whether there is a foreign object on the shutter, and determines whether the shutter opens and closes normally. It is an automatic transaction apparatus characterized by having a control part which performs.

  According to the present invention, when a foreign object such as the special instrument is intentionally attached on the shutter by detecting whether there is a foreign object on the shutter of the banknote return slot, this is detected. Therefore, it is possible to prevent a crime in which a special instrument is attached to the bill return port of the automatic transaction apparatus to fraud the withdrawal bill. Further, before collecting banknotes in the banknote insertion / return slot at the time of withdrawal, it is confirmed whether the shutter can be opened and closed, and after confirming whether there is any foreign object on the shutter, Since the operation | movement which accumulate | stores is performed, the crime which frauds a withdrawal banknote by attaching a special instrument to the banknote return port of an automatic transaction apparatus can be prevented.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 2 is an external view of an automatic transaction apparatus (hereinafter referred to as ATM) 1 according to the present embodiment. ATM1 is installed in financial institutions such as banks, convenience stores, etc., and can perform deposit and withdrawal transactions. The ATM 1 has a bill insertion / return port 2 as a customer service port for inputting / returning bills to / from a customer in a deposit / withdrawal transaction. In a transaction for inserting banknotes such as a deposit transaction, when a customer sets a banknote in the banknote insertion / return port 2, the ATM 1 automatically counts it and takes it into the apparatus. In a transaction of paying out a banknote such as a payment transaction, the ATM 1 automatically counts the banknote and accumulates it in the banknote insertion / return port 2 so that the customer can take it out. The bill insertion / return port 2 is provided with a shutter 5, which is opened when a customer inserts or removes bills, and is otherwise closed.

  Similarly, the ATM 1 has a coin insertion / return port 3 as a service port for inserting or returning coins. In a transaction in which a coin such as a deposit transaction is inserted into the ATM 1, when the customer sets a coin in the coin insertion / return port 3, the ATM 1 automatically counts it and takes it into the apparatus. In a transaction for paying out a coin such as a payment transaction, the ATM 1 automatically counts the coins and accumulates them in the coin insertion / return port 3 so that the customer can take out the coins. Furthermore, ATM1 has the card insertion slot 4 of a cash card, the passbook insertion slot 6 of a bankbook, and the customer operation display screen 7 provided with the touch panel function.

  FIG. 3 is a block diagram of ATM 1 relating to the present embodiment. A control unit 10 controls each part of the ATM 1. The control unit 10 is connected to a storage unit 11 composed of a RAM, a ROM, a hard disk, or the like. The control unit 10 operates according to a control program stored in the storage unit 11. Moreover, the control part 10 can write the data required for each process in the memory | storage part 11, and can read from the memory | storage part 11 as needed. The control unit 10 is connected to a host computer (not shown) via the communication unit 18 and exchanges information related to deposit / withdrawal transactions.

  A banknote deposit / withdrawal unit 12 for processing banknotes authenticates, counts, transports, and stores the banknotes inserted from the banknote insertion / return port 2 by a customer in a banknote storage unit 23 described later. Furthermore, the withdrawal banknotes paid to the customer are fed from the banknote storage unit 23 and accumulated in the banknote insertion / return port 2. Reference numeral 13 denotes a coin deposit / withdrawal unit for processing coins, and authenticates, counts, conveys, and stores the coins inserted from the coin insertion / return port 3 by a customer into a coin storage unit (not shown), or Coins to be paid to the customer are fed out from the coin storage unit and accumulated in the coin insertion / return port 3.

  A card read / write unit 14 reads information on a cash card inserted by the customer through the card insertion slot 4. Reference numeral 15 denotes a receipt printing unit for performing a receipt issuing process. The receipt printing unit 15 discharges the receipt from the card insertion slot 4 at the end of the transaction. Reference numeral 16 denotes a passbook printing unit, and reference numeral 17 denotes an operation display unit for controlling the customer operation display screen 7.

  FIG. 4 is a side sectional view of an ATM showing the flow of deposit / withdrawal banknotes. In the figure, the bill insertion / return opening 2 accumulates the withdrawal bills at a position where the customer can take out when the shutter 5 is opened and closed, and accepts the bills inserted from the customer. The banknote storage unit 23 stores banknotes in denominations so that they can be fed out. The discrimination unit 25 performs counting of banknotes and discrimination of authenticity / denomination. The reject storage unit 26 stores banknotes that are determined not to be withdrawn by the discrimination unit 25 at the time of withdrawal. Furthermore, the conveyance path 27 is provided by connecting the above-described parts, and has a function of conveying banknotes between the respective parts. The conveyance means in the conveyance path 27 is a conveyance roller or a conveyance belt (not shown).

  The banknote insertion / return port 2 includes a separation / feeding unit 22, and feeds banknotes inserted by a customer into the transport path 27 one by one by the separation / feeding unit 22. Moreover, the withdrawal bill 22 collects the withdrawal bills one by one from the transport path 27 to the bill insertion / return port 2. A plurality of banknote storage units 23 are provided for each denomination, and each banknote stored by the separating and feeding unit 24 is fed out to the transport path 27 one by one. Furthermore, the banknote storage unit 23 stores banknotes by the separating and feeding unit 24.

  During normal operation, when a customer selects a deposit transaction and inserts a bill into the bill insertion / return slot 2, the shutter 5 is closed, and the inserted bill is transported from the bill insertion / return port 2 through the transport path 27 to be identified. 25. If it determines with it being usable for payment here, it will be sent to the banknote storage part 23 of a corresponding denomination and stored. Further, when withdrawing money to a customer, when the customer inputs a withdrawal amount, a bill corresponding to the amount is paid out from the bill storage unit 23 and sent to the discrimination unit 25. If it is determined by the discrimination unit 25 that there is no problem with the withdrawal, it is transported through the transport path 27 and sent to the bill insertion / return port 2. When banknotes corresponding to the withdrawal amount are accumulated in the banknote insertion / return port 2, the shutter 5 is opened and the customer takes out the banknotes.

  FIG. 5 is a functional block diagram showing the deposit / withdrawal function of the control unit 10 relating to the present embodiment. The control unit 10 operates according to a control program stored in the storage unit 11. In the figure, a shutter opening / closing drive unit 31 operates a shutter drive unit (not shown) to open / close the shutter 5. The shutter sensor detection unit 32 operates a shutter opening sensor 9a, a shutter closing sensor 9b, and a light emitting / receiving sensor 8 described later, and receives a detection signal. The banknote transport unit 33 operates the separating and feeding units 22 and 24 and further operates a transport roller or a transport belt (not shown) to transport the banknotes to the transport path 27. The bill counting discrimination control unit 34 controls counting of bills and discrimination of authenticity / denomination, etc. performed by the discrimination unit 25 and receives the result. The control unit 10 controls the operation of each unit.

  Next, the structure of the bill insertion / return port 2 relating to the present embodiment will be described with reference to FIG. FIG. 1 is a configuration diagram relating to the present embodiment. The bill insertion / return port 2 is provided in a part of the casing of the ATM 1. The bill insertion / return port 2 has a shutter 5 that can be opened and closed, and the shutter 5 can move in the horizontal direction (arrow direction in the figure) along the inside of the ATM 1 along the ATM 1. The movement of the shutter 5 is performed by the shutter opening / closing drive unit 31 driving a shutter drive unit (not shown) under the control of the control unit 10 as described above. In the figure, the position of the shutter 5 indicated by a solid line indicates a closed state, and the position indicated by a broken line indicates an open state. A shutter closing sensor 9a and a shutter opening sensor 9b are provided inside the ATM1 casing. The shutter close sensor 9a detects that the shutter 5 is closed, and the shutter open sensor 9b detects that it is opened. On the other hand, the bill insertion / return opening 2 has a bill receiving portion 19 for placing bills and a light emitting / receiving sensor 8 for detecting whether there is a foreign object on the shutter 5. The operations of the shutter open sensor 9a, the shutter close sensor 9b, and the light emitting / receiving sensor 8 are performed by the shutter sensor detection unit 32 under the control of the control unit 10 as described above, and the shutter sensor detection unit 32 receives a detection signal.

  Next, the operation at the time of withdrawal in the present embodiment will be described with reference to FIGS. FIG. 6 is an explanatory view showing the operation at the time of withdrawal relating to the present embodiment. FIG. 7 is a flowchart showing an operation at the time of withdrawal relating to the present embodiment. At the time of withdrawal, first, the control unit 10 controls the shutter opening / closing drive unit 31 and opens the shutter 5 once before the banknote M is conveyed to the banknote insertion / return port 2 (FIG. 6A, S101). . When the shutter open sensor 9b detects this, the shutter sensor detector 32 transmits an open signal to the controller 10. When the shutter 5 is not opened, that is, when the control unit 10 does not receive the open signal, the control unit 10 issues an alarm to the customer by an alarm means (not shown) and interrupts the subsequent processing (S102).

  After the shutter 5 is opened, the control unit 10 operates the light emitting / receiving sensor 8 from the shutter sensor detection unit 32 (FIG. 6B, S103). A detection signal from the light emitting / receiving sensor 8 is transmitted to the shutter sensor detection unit 32, and the shutter sensor detection unit 32 transmits the detection signal to the control unit 10. In the case of a detection signal that there is a foreign object, the control unit 10 similarly issues an alarm to the customer by the alarm means, and interrupts the subsequent processing (FIG. 6 (c), S104).

  In the case of a detection signal indicating that there is no foreign object, the control unit 10 controls the shutter opening / closing drive unit 31 to temporarily close the shutter 5 (FIG. 6 (d), S105). When the shutter close sensor 9a detects this, the shutter sensor detection unit 32 transmits a close signal to the control unit 10. When the shutter 5 does not close, that is, when the control unit 10 does not receive the close signal, the control unit 10 also issues an alarm to the customer by the alarm means, and interrupts the subsequent processing (S106).

  When the control unit 10 confirms that the shutter 5 is closed by a closing signal from the shutter sensor detection unit 32, the control unit 10 controls the banknote transport unit 33 to put the banknote M in the banknote receiving unit 19 of the banknote insertion / return port 2. It is conveyed (FIG. 6 (e), S107). Thereafter, the control unit 10 controls the shutter opening / closing drive unit 31 to open the shutter 5 so that the customer can take out the banknote M from the banknote receiving unit 19 of the banknote insertion / return port 2 ((f) in FIG. 6). , S108).

  In the above embodiment, the light emitting / receiving sensor 8 is provided inside the bill insertion / return port 2, but the light emitting / receiving sensor is a pair of light emitting elements and light receiving elements, and the emitted light from the light emitting elements is reflected on the foreign matter, It is good also as detecting a foreign material by receiving reflected light with a light receiving element. Further, by providing one of the pair of light emitting elements and light receiving elements inside the bill insertion / return port 2 and providing the other outside the bill insertion / return port 2, the foreign matter blocks the emitted light from the light emitting elements. Thus, foreign matter may be detected. Furthermore, the light emitting / receiving sensor 8 is not limited to this, and may be an ultrasonic sensor or other type of sensor as long as it can detect a nearby object. Furthermore, in the said embodiment, although the banknote insertion / returning port 2 as a customer service port was demonstrated to the example, it is applicable not only to this but the coin insertion / returning port 3 which handles a coin.

  As described above, according to the present embodiment, whether the shutter 5 can be opened and closed before the bill insertion / reception sensor 8 is provided in the bill insertion / return port 2 serving as a customer service port and the bills M are accumulated in the bill insertion / return port 2 at the time of withdrawal. After confirming whether or not foreign matter is present on the shutter 5, an operation for accumulating the withdrawal money is performed. It is possible to prevent the customer's banknote M from being fraudulently attached.

It is a block diagram regarding this Embodiment. It is an external view of ATM regarding this Embodiment. It is a block diagram of ATM regarding this Embodiment. It is side sectional drawing of ATM which shows the flow of a deposit or withdrawal banknote. It is a functional block diagram which shows the deposit / withdrawal function of the control part regarding this Embodiment. It is explanatory drawing which shows the operation | movement at the time of payment regarding this Embodiment. It is a flowchart which shows the operation | movement at the time of payment regarding this Embodiment. It is explanatory drawing which shows the example of the conventional intentional operation.

Explanation of symbols

1 ATM (automatic transaction equipment)
2 Bill insertion / return port 3 Coin insertion / return port 4 Card insertion port 5 Shutter 8 Light emitting / receiving sensor 9a Shutter open sensor 9b Shutter close sensor 10 Control unit 31 Shutter opening / closing drive unit 32 Shutter sensor detection unit

Claims (6)

A customer service entrance with a shutter and collecting money
An automatic transaction apparatus comprising a sensor for detecting whether or not there is a foreign object on the shutter of the customer service opening. The automatic transaction apparatus according to claim 1, further comprising a control unit that determines whether or not there is a foreign object on the shutter by the sensor and determines whether or not the shutter is normally opened and closed. The automatic transaction apparatus according to claim 1, wherein the sensor is an optical sensor. The automatic transaction apparatus according to claim 1, wherein the sensor is an ultrasonic sensor. 3. The automatic transaction apparatus according to claim 1, wherein the sensor is provided inside the customer service port. A shutter opening and closing process that operates to open and close the shutter of the service opening before collecting the withdrawal money at the service opening;
A shutter opening / closing determination step for determining whether the shutter is normally opened / closed by the shutter opening / closing step;
A foreign matter detection step of detecting foreign matter on the shutter after the shutter opening operation in the shutter opening and closing step;
A control method for an automatic transaction apparatus, comprising: a conveying step of performing an operation of accumulating withdrawal money at a customer service port when a shutter is normally opened and closed and no foreign matter is detected on the shutter.

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