JP5298406B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system that perform predetermined transactions using non-contact communication means of a portable terminal.

  As an automatic transaction apparatus that performs a predetermined transaction using non-contact communication means of a mobile phone, magnetic information of a cash card is stored in a non-contact IC tag mounted on the mobile phone, and communication of the non-contact IC tag is performed. The technique of the automatic transaction apparatus which performs a transaction using a function is disclosed (for example, refer to patent documents 1).

As a similar technique, before a transaction, a transaction content is determined by communication with a banking processing management system using a mobile phone, data related to the transaction content is stored in a non-contact IC tag of the mobile phone, and a specified time In addition, a technology is disclosed in which a mobile phone is placed in the vicinity of a non-contact communication means of a designated automatic transaction apparatus to perform communication by using data stored in a non-contact IC tag (for example, Patent Document 2). reference).
JP 2005-174019 A JP 2004-303057 A

  However, in the conventional automatic transaction apparatus, the customer starts the non-contact communication by placing the mobile phone in the vicinity of the non-contact communication means of the automatic transaction apparatus, but after the communication or after the transaction ends There was a problem of forgetting to take a mobile phone. In the worst case, the mobile phone is stolen and misused.

The present invention employs the following means in order to solve the aforementioned problems. That is, the present invention is an automatic transaction apparatus that includes a non-contact communication unit that performs communication with a portable terminal and a guide unit, and performs a predetermined transaction using the non-contact communication unit and the guide unit. A detecting means for detecting that the terminal has been taken, and after completion of communication and operation for preparation before starting the predetermined transaction, the guiding means guides the portable terminal to take, and the detecting means together so as not to shift to the predetermined transaction until it is detected that the mobile terminal has been taken to place the cradle urged by lock possible spring, after locking the mobile terminal, restraining lever The mobile terminal is further restrained, and after the predetermined transaction is finished, the lock is released and the mobile terminal is flipped up.

According to the automatic transaction apparatus of the present invention, since it is configured as described above , the customer does not forget to take the portable terminal.

  Embodiments of the present invention will be described below with reference to the drawings. Examples of the automatic transaction apparatus according to the present invention deal with tickets such as railway tickets, commuter pass tickets, air tickets, admission tickets, winning voting tickets, securities, gift certificates, banknotes, etc. Will be described as an example of an automatic cash transaction apparatus that performs a general cash deposit payment. Moreover, although there exist a mobile phone, PDA (portable data access), etc. as a portable terminal, in the following description, a common mobile phone is demonstrated as an example.

  When the automatic transaction apparatus according to the first embodiment performs a transaction using non-contact communication of a mobile phone, guides the user to pick up the mobile phone after completing the predetermined communication or the predetermined transaction, and does not take the mobile phone Is to prevent the next transaction from proceeding.

(Constitution)
The structure of the automatic transaction apparatus of Example 1 is demonstrated using the block diagram of the automatic transaction apparatus of FIG. 1, and the control block part of FIG. In addition, since it is the same as that of the structure of a general cash automatic transaction apparatus except the structure which concerns on the non-contact communication of an automatic transaction apparatus, the description is abbreviate | omitted for simplification.

  The configuration related to the non-contact communication of the automatic transaction apparatus includes a non-contact IC tag communication unit 5 for communicating with the non-contact IC tag 2 mounted in the mobile phone 1 and a non-contact IC tag communication unit 5 It comprises a non-contact IC tag reader / writer 4 for writing data to the non-contact IC tag 2 and reading data stored in the non-contact IC tag 2. On the other hand, the mobile phone 1 has a configuration in which the non-contact IC tag 2 is mounted as described above.

  Next, the configuration of the control system of the automatic transaction apparatus will be described with reference to the control block diagram of FIG. Since the configuration of the control system is the same as the configuration of a general automatic teller machine except for the configuration related to non-contact communication, the description thereof is omitted for the sake of brevity.

  As shown in the figure, the control system of the automatic transaction apparatus includes a control unit 40 that controls the whole, a communication means 42 for communicating with the non-contact IC tag 2 of the mobile phone 1, and a customer selecting a transaction. An operation unit 43 for inputting a password and a password and displaying guidance, a set detection unit 44 for detecting that the mobile phone 1 connected as an input to the control unit 40 is placed, a program for performing various processes described later, The storage unit 41 temporarily stores transaction data and the like.

  In addition, as a method for detecting that the mobile phone 1 is set in the set detection unit 44, for example, the fact that the communication level of non-contact communication has become a predetermined level or higher or communication is possible is used. May be detected.

(Operation)
With the above configuration, the automatic transaction apparatus according to the first embodiment operates as follows. In addition, since the operation | movement regarding the non-contact communication of an automatic transaction apparatus is the same as the operation | movement of a general automatic transaction apparatus, the description is abbreviate | omitted for simplification.

  FIG. 3 is a flowchart illustrating the operation of the automatic transaction apparatus according to the first embodiment. For convenience, the processing steps of the automatic transaction apparatus are indicated by S, and the customer operation steps are indicated by CS. First, when the transaction type selection screen is displayed on the operation unit 43 of the automatic transaction apparatus 3 (step S21), when the customer selects the transaction using the mobile phone 1, the “mobile transaction” is selected (step CS21), and the cash is selected. When it is desired to withdraw, “Drawer” is selected (step CS22).

  Next, the automatic transaction apparatus 3 displays a guidance on the operation unit 43 so that the mobile phone 1 is placed on the non-contact IC tag communication unit 5 (step S22). Of course, guidance may be provided by voice or the like separately from the screen display or together with the screen display.

  Then, when the customer places the mobile phone 1 on the non-contact IC tag communication unit 5 (step CS23), the automatic transaction apparatus 3 passes through the non-contact IC tag communication unit 5 and the non-contact IC tag reader / writer 4 Communication with the tag 2 is performed, information on a financial institution that can be traded is acquired from the center, and displayed on the operation unit 43 (step S23). And the financial institution with which a customer trades is selected and confirmed (step CS24).

  As described above, since the reading of the transaction data from the mobile phone 1 is completed, the automatic transaction apparatus 3 provides guidance to the customer to take the mobile phone 1 placed in the non-contact IC tag communication unit 5 (step S24). The customer follows the guidance and takes the mobile phone 1 from the non-contact IC tag communication unit 5 (step CS25).

  The automatic transaction apparatus 3 continues to communicate with the mobile phone 1 via the non-contact IC tag reader / writer 4 after that, and the mobile phone 1 detects that the communication becomes impossible or the level of the reception level is detected. Confirmation is made (step S25). When the mobile phone 1 is not picked up, the customer is instructed to pick up the mobile phone 1 from the non-contact IC tag communication unit 5 continuously.

  As described above, the preparation before the start of the transaction is completed, so that the authentication with the personal identification number and the designation of the amount to be withdrawn are performed in the same manner as before the start of the normal transaction (step S26 / CS26), the cash is paid out (step S27), The customer is guided to take cash (step S28), and when the customer takes cash, the transaction is completed (step CS27).

(Effect of Example 1)
As described above, according to the automatic transaction apparatus of the first embodiment, the transaction is performed using the non-contact communication of the mobile phone, and after the predetermined communication or the predetermined transaction is finished, the mobile phone is guided to be picked up. If you don't pick up your mobile phone, you won't forget to take your mobile phone because you're not going to proceed to the next transaction.

  The automatic transaction apparatus according to the second embodiment performs a transaction using non-contact communication of a mobile phone, and guides the user to pick up the mobile phone after the end of the predetermined communication or after the end of the predetermined transaction, and does not take the mobile phone. Is to generate voice guidance and ringing tone by a mobile phone application.

(Constitution)
Since the configuration of the automatic transaction apparatus according to the second embodiment is the same as the configuration of the automatic transaction apparatus according to the first embodiment, the description thereof is omitted for the sake of brevity.

(Operation)
With the above configuration, the automatic transaction apparatus according to the second embodiment operates as follows. In addition, since the operation | movement which concerns on the non-contact communication of an automatic transaction apparatus is the same as that of the operation | movement of a general cash automatic transaction apparatus similarly to Example 1, the description is abbreviate | omitted for simplification.

  FIG. 4 is an operation flowchart of the automatic transaction apparatus according to the second embodiment. In the figure, a processing step of the automatic transaction apparatus is indicated by S, and a customer operation step is indicated by CS. First, when the transaction type selection screen is displayed on the operation unit 43 of the automatic transaction apparatus 3 (step S41), when the customer selects the transaction using the mobile phone 1, the “mobile transaction” is selected (step CS41). When it is desired to withdraw, “Drawer” is selected (step CS42).

  Next, the automatic transaction apparatus 3 displays a guidance on the operation unit 43 so that the mobile phone 1 is placed on the non-contact IC tag communication unit 5 (step S42). Of course, the guidance may be provided by voice or the like separately from the screen display or together with the screen display, as in the first embodiment.

  Then, when the customer places the mobile phone 1 on the non-contact IC tag communication unit 5 (step CS43), the automatic transaction apparatus 3 passes through the non-contact IC tag communication unit 5 and the non-contact IC tag reader / writer 4 After communicating with the tag 2 and acquiring and displaying information of financial institutions that can be traded from the center, the customer selects and confirms the financial institution to trade (steps S43 and CS44).

  Then, when authentication by the personal identification number and designation of the amount to be withdrawn are performed (CS45), cash is paid out (step S44), and the customer takes cash (step CS46).

  As described above, since the reading of transaction data from the mobile phone 1 is completed, the automatic transaction apparatus 3 provides guidance to the customer to take the mobile phone 1 from the non-contact IC tag communication unit 5 (step S45).

  When the automatic transaction apparatus 3 confirms that the customer does not take the mobile phone 1 (step S46), the automatic transaction apparatus 3 communicates with the mobile phone 1 by the non-contact IC tag reader / writer via the non-contact IC tag communication unit 5. The dedicated application in the mobile phone 1 is activated (step S47), and voice or music guidance is output to the mobile phone 1 as if the mobile phone 1 was taken (step S48). This guidance by voice or music should be continued until the cellular phone 1 is picked up.

  When the customer picks up the mobile phone 1 from the non-contact IC tag communication unit 5 in accordance with the guidance (step CS47), the mobile phone 1 is notified to stop outputting voice guidance or the like, and the process is terminated ( Step S50).

  In the above description, when the transaction is completed after paying out the cash, the application of the mobile phone 1 is used to guide the user to take the mobile phone by voice or music. When communication is terminated with regard to the transaction with the mobile phone 1, guidance may be given to take the mobile phone. In addition, if the mobile phone vibrator function is used instead of voice or music guidance, it is possible to notify the user to pick up the mobile phone.

(Effect of Example 2)
As described above, according to the automatic transaction apparatus of the second embodiment, guidance is given to take a mobile phone, and when the mobile phone is not taken, voice or music is output by the mobile phone application. Further, it is possible to reliably prevent the user from forgetting to take the mobile phone, to effectively use the function of the mobile phone, and to set a guidance method desired by the customer.

  The automatic transaction apparatus according to the third embodiment is configured such that the mobile phone is pushed into the cradle and fixed, and the transaction is performed using non-contact communication, and when the predetermined communication or the predetermined transaction is finished, the mobile phone together with the cradle. And urge you to take a mobile phone.

(Constitution)
The structure of the automatic transaction apparatus of Example 3 is demonstrated using the block diagram of the automatic transaction apparatus of FIG. 5 thru | or FIG. 7, and the control block part of FIG. In addition, since it is the same as that of the structure of a general cash automatic transaction apparatus except the structure which concerns on the non-contact communication of an automatic transaction apparatus similarly to Example 1, the description is abbreviate | omitted for simplification.

  As shown in FIG. 5 and FIG. 6, as the configuration related to the non-contact communication of the automatic transaction apparatus according to the third embodiment, a recess is provided in the vicinity of the non-contact IC communication unit 4 where the mobile phone 1 is placed, A mechanism for fixing the cellular phone and a mechanism for raising the cellular phone are provided. Further, as shown in FIG. 7, a restraining lever 36 for restraining the cellular phone 1 and its driving means 36 are provided. Since other configurations are the same as those of the first embodiment, description thereof is omitted.

  And, as a mechanism for fixing and flipping up in the recess, a cradle 31 for placing the mobile phone 1, a lock mechanism 32 for locking the cradle 31, and a lock detecting means for detecting that the cradle 31 is locked 33, a leaf spring 34 is provided to urge the cradle 31 upward and to spring up the cradle 31 when the cradle 31 is unlocked.

  As a lock detection method by the lock detection means 33, the reflected light from the cradle 31 may be detected by a reflective optical sensor, or the proximity of the cradle 31 may be detected by a proximity sensor.

  Next, the configuration of the control system of the automatic transaction apparatus according to the third embodiment will be described with reference to the control block diagram of FIG. As shown in the figure, the configuration of the control system of the automatic transaction apparatus according to the third embodiment is obtained by adding a driving mechanism 45 for driving the lock mechanism 32 and the restraining lever 36 to the configuration of the control system according to the first embodiment. The set detection means 44 described in 1 is replaced with the lock detection means 33 described in FIG. Since other configurations are the same as those of the first embodiment, the description thereof is omitted for simplification.

(Operation)
With the above configuration, the automatic transaction apparatus according to the third embodiment operates as follows. This operation will be described with reference to the operation explanatory diagrams of FIGS. 6 and 7 and the operation flowchart of FIG. In addition, since the operation | movement which concerns on the non-contact communication of an automatic transaction apparatus is the same as that of the operation | movement of a general cash automatic transaction apparatus similarly to Example 1, the description is abbreviate | omitted for simplification. Further, as in the first embodiment, the processing step of the automatic transaction apparatus is indicated by S, and the operation step of the customer is indicated by CS.

  First, when a transaction type selection screen is displayed on the operation unit 43 of the automatic transaction apparatus 3 (step S61), when the customer selects a transaction using the mobile phone 1, the user selects “mobile transaction” (step CS61), and cash When it is desired to withdraw, “Drawer” is selected (step CS62).

  Next, the automatic transaction apparatus 3 displays a guidance on the operation unit 43 so that the mobile phone 1 is placed on the non-contact IC tag communication unit 5 (step S62). Of course, the guidance may be provided by voice or the like separately from the screen display or together with the screen display, as in the first and second embodiments.

  Then, when the customer puts the mobile phone 1 into the cradle 31 as indicated by the arrow A direction shown in FIG. 6A (step CS63), the lock mechanism 32 as shown in FIG. The lock detection means 33 detects that the lock has been locked. Then, the automatic transaction apparatus 3 rotates the restraining lever so that the mobile phone 1 cannot be removed as indicated by an arrow E in FIG. 7, and restrains the mobile phone 1 as indicated by a solid line (step S63).

  Then, when the contactless IC tag reader / writer 4 communicates with the contactless IC tag 2 via the contactless IC tag communication unit 5 to acquire and display information of a financial institution that can be traded from the center, the customer can make a financial transaction. An organization is selected and confirmed (steps S64 and CS64).

  Then, when authentication by the password and designation of the amount to be withdrawn are performed (steps S65 and CS65), cash is paid out (step S66), and the restraining lever is rotated in the direction opposite to the arrow E direction in FIG. When the mobile phone 1 is released from the position of the broken line and the lock mechanism 32 is moved in the direction of arrow B in FIG. 6C, the mobile phone 1 is moved in the direction of arrow C in FIG. The mobile phone 1 is flipped up to prompt the customer to take it (step S67). Then, the lock mechanism 32 is moved in the D direction and returned to the initial position.

  Then, when guidance display and voice guidance are given so that the customer takes cash and the mobile phone 1 (step S68), the customer takes the mobile phone 1 and cash (step CS66). At this time, it is preferable to output a voice guide, a vibrator and the like together with the guidance so as not to forget to take cash and a mobile phone by the application of the mobile phone 1.

(Effect of Example 3)
As described above, according to the automatic transaction apparatus of the third embodiment, when the mobile phone is pushed into the cradle and fixed, the transaction is performed using the non-contact communication, and the predetermined communication or the predetermined transaction is finished. In addition, since the mobile phone is bounced up together with the cradle and prompted to take the mobile phone, it is possible to prevent the user from forgetting to take the mobile phone.

  As described above, the present invention can be widely used in automatic transaction apparatuses and automatic transaction systems that perform predetermined transactions using non-contact communication means of portable terminals.

It is a block diagram which concerns on the non-contact communication of the automatic transaction apparatus of Example 1. FIG. It is a control block diagram which concerns on the non-contact communication of the automatic transaction apparatus of Example 1. FIG. It is an operation | movement flowchart of the automatic transaction apparatus of Example 1. FIG. It is an operation | movement flowchart of the automatic transaction apparatus of Example 2. FIG. It is a block diagram which concerns on the non-contact communication of the automatic transaction apparatus of Example 3. FIG. It is a structure and operation | movement explanatory drawing which concern on the non-contact communication of the automatic transaction apparatus of Example 3. FIG. It is a structure and operation | movement explanatory drawing which concern on the non-contact communication of the automatic transaction apparatus of Example 3. FIG. It is a control block diagram which concerns on the non-contact communication of the automatic transaction apparatus of Example 3. It is an operation | movement flowchart of the automatic transaction apparatus of Example 3. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Mobile phone 2 Non-contact IC tag 3 Automatic transaction apparatus 4 Non-contact IC tag reader / writer 5 Non-contact IC tag communication part 31 Receptacle 32 Lock mechanism 33 Lock detection means 34 Leaf spring 36 Restraint lever 42 Communication means 43 Operation part 44 Set detection means

Claims (2)

An automatic transaction apparatus comprising a non-contact communication means for communicating with a portable terminal and a guide means, and performing a predetermined transaction using the non-contact communication means and the guide means,
Detecting means for detecting that the portable terminal has been taken;
After the communication and operation for preparation before the start of the predetermined transaction, the guide means guides the mobile terminal to be taken, and the detection means detects that the mobile terminal has been taken. Not to transition to a transaction,
Lock possible to place the cradle biased by a spring, after locking the mobile terminal, so as to restrain the further the mobile terminal in restraining lever,
An automatic transaction apparatus, wherein after the predetermined transaction ends, the lock is released and the portable terminal is flipped up.   2. The automatic transaction apparatus according to claim 1, wherein the guide means is one or both of display means and voice output means.

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