JP6070358B2 - Medium communication system and automatic transaction apparatus - Google Patents

Description

  The present invention relates to a medium communication system using a non-contact IC and a two-dimensional code, and an automatic transaction apparatus using the medium communication system.

  The conventional technology is a non-contact IC unit (non-contact IC reader) that communicates with, for example, a non-contact IC (Integrated Circuit) mounted on a mobile terminal and a card owned by a customer when performing a financial transaction in an automatic transaction apparatus. (For example, see Patent Document 1).

JP 2008-129890 A

However, in the conventional technology, when the automatic transaction apparatus includes a two-dimensional code reader in addition to the non-contact IC unit, a portable terminal as a customer information recording medium equipped with a non-contact IC and capable of displaying a two-dimensional code When a transaction is performed, the position where the non-contact IC unit of the automatic transaction apparatus communicates with the non-contact IC of the mobile terminal and the two-dimensional code displayed on the screen of the mobile terminal by the two-dimensional code reader of the automatic transaction apparatus Unlike the reading position, the mobile terminal has to be placed at different positions, so that there is a problem that the operation takes time and the transaction time becomes long.
An object of the present invention is to solve such a problem, and it is an object to improve operability and shorten a transaction time.

Therefore, the present invention provides a non-contact IC that performs non-contact communication and a medium communication system capable of making a transaction using a customer information recording medium having a display unit that displays transaction information. Non-contact communication means for performing communication, transaction information reading means for reading the transaction information displayed on the display unit, a holding table provided so that the customer information recording medium can be placed thereon, and deposit and withdrawal of banknotes A banknote depositing / withdrawing part to be performed, and a banknote depositing / dispensing part side medium fall prevention part which is arranged at an end of the banking table on the banknote depositing / dispensing part side and can be protruded upward, and is placed on the holding table The non-contact IC of the customer information recording medium communicates with the non-contact communication means, and the transaction information reading means is displayed on the display unit of the customer information recording medium placed on the holding stand. The transaction information And wherein the reading from the side.

  The present invention as described above can improve the operability and shorten the transaction time.

The block diagram of the medium communication system of the automatic transaction apparatus in a 1st Example. External view of automatic transaction apparatus in first embodiment The flowchart which shows the flow of the payment process of the automatic transaction apparatus in a 1st Example. Explanatory drawing of the screen which performs the guidance which puts the customer information recording medium in a holding stand in 1st Example Explanatory drawing of the screen which performs transfer information and payment method guidance in the first embodiment Explanatory drawing of the screen which performs the guidance which puts the customer information recording medium in the 1st Example on the holding stand Explanatory drawing of the shape of the guide of the holding stand in 2nd Example The block diagram of the medium communication system of the automatic transaction apparatus in 2nd Example. The flowchart which shows the flow of the transaction processing of the automatic transaction apparatus in 2nd Example. Explanatory drawing of the screen which performs the guidance which puts the customer information recording medium in a 2nd Example on a holding stand Explanatory drawing of the screen which confirms receipt of the customer information recording medium in 2nd Example Explanatory drawing of the shape of the guide of the holding stand in 3rd Example The block diagram of the medium communication system of the automatic transaction apparatus in 3rd Example. Explanatory drawing of the shape of the guide of the holding stand in the 4th example The block diagram of the medium communication system of the automatic transaction apparatus in a 4th Example. External view of automatic transaction apparatus in fifth embodiment External view of the vicinity of the holding stand in the fifth embodiment Sectional drawing of the vicinity of the holding stand in the fifth embodiment The flowchart which shows the flow of the payment process of the automatic transaction apparatus in a 5th Example. External view of the vicinity of the holding stand in the sixth embodiment Block diagram of the medium communication system of the automatic transaction apparatus in the seventh embodiment Sectional drawing of the banknote depositing / withdrawing part in 7th Example Sectional drawing of the banknote depositing / withdrawing part in 7th Example The flowchart which shows the flow of the transaction processing of the automatic transaction apparatus in a 7th Example. Explanatory drawing of the screen which performs the foreign material removal guidance of the banknote depositing / withdrawing part in a 7th Example.

  Embodiments of a medium communication system and an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 2 is an external view of the automatic transaction apparatus according to the first embodiment.
In FIG. 2, the automatic transaction apparatus 1 includes a CR (Code Reader) 2, a holding stand 5, a bill deposit / withdrawal unit 6, a card handling unit 7, a passbook handling unit 8, a coin deposit / withdrawal unit 9, and an operation The display unit 10 and the return port 11 are configured.
The automatic transaction apparatus 1 is, for example, an ATM (Automatic Teller Machine) installed in a financial institution such as a bank, a credit union, a post office, and the like. It is a device for using financial services such as bookkeeping, balance inquiry, transfer, transfer and remittance. The customer in this embodiment is a person who opens his / her own account at a financial institution and uses a financial service.

In addition, it is assumed that a mobile terminal (mobile phone) as a customer information recording medium in the present embodiment is equipped with a non-contact IC and has a screen (display unit) for displaying a two-dimensional code as transaction information. The non-contact IC is used for so-called electronic money transactions, and can perform processing such as charging (payment) and payment (withdrawal) by wireless communication with the non-contact IC unit 3 described later. .
The holding stand 5 is a stand on which a portable terminal is placed. By placing the portable terminal on the holding stand 5, the non-contact IC of the portable terminal can communicate with the non-contact IC unit 3 arranged inside the automatic transaction apparatus 1. The two-dimensional code displayed on the screen of the mobile terminal is read by CR2. Details of CR2 will be described later.

The banknote deposit / withdrawal unit 6 and the coin deposit / withdrawal unit 9 receive banknotes and coins deposited by the customer in the deposit transaction, and pay out the bills and coins to the customer in the deposit transaction, each having a shutter. .
The card handling unit 7 has a function of reading and discharging information on a magnetic card when a magnetic card such as a cash card is inserted by a customer.

The bankbook handling unit 8 has a function of writing and discharging a bankbook when a bankbook is inserted by a customer.
The operation display unit 10 is a display device that also has a function of an input device such as a touch panel, and performs operation guidance (guidance display) for a customer and accepts a customer's operation.
The return port 11 is for discharging small foreign matters such as clips mixed in the banknote deposit / withdrawal unit 6 and the coin deposit / withdrawal unit 9.

FIG. 1 is a block diagram of a medium communication system of an automatic transaction apparatus according to a first embodiment. Based on the external shape of the automatic transaction apparatus 1 as viewed from the cross section, Each part of the medium communication system for performing communication is arranged.
In FIG. 1, the medium communication system includes a CR 2, a non-contact IC unit 3, and a main control unit 4 connected to each of the CR 2 and the non-contact IC unit 3. It reads the displayed two-dimensional code and communicates with a non-contact IC mounted on a portable terminal.

The CR2 as transaction information reading means reads the two-dimensional code on the screen of the portable terminal placed on the holding stand 5 by irradiating light such as a laser in the direction indicated by arrow A in the figure.
The two-dimensional code displayed on the screen of the mobile terminal is a two-dimensional code of transaction information such as the transfer destination and the transfer amount. Therefore, the transaction information input operation can be simplified by the CR2 reading the two-dimensional code.
The non-contact IC unit 3 as a non-contact communication means is disposed immediately below the holding stand 5 (inside the automatic transaction apparatus 1), and the portable terminal is placed on the holding stand 5 so that the portable terminal is non-contacted. It is close to the IC and can communicate with the non-contact IC wirelessly.

The main control unit 4 includes arithmetic means such as a CPU (Central Processing Unit), storage means such as a semiconductor memory and a magnetic disk, communication means, and the like, based on a control program (software) stored in the storage means. Control of each part of the automatic transaction apparatus 1 is performed.
The main control unit 4 is communicably connected to a host computer disposed in a computer center of a financial institution via a network. The network in this embodiment may be any communication line network such as a wired or wireless public communication line network or a dedicated communication line network, or may be a combination of these as appropriate.

The operation of the above configuration will be described.
The payment process performed by the automatic transaction apparatus 1 will be described with reference to FIG. 1 and FIG. 2 according to the step indicated by S in the flowchart showing the flow of the payment process of the automatic transaction apparatus in the first embodiment of FIG.
S101: The main control unit 4 causes the operation display unit 10 to display an initial screen for performing a transaction. When the type of transaction is selected by the customer, the main control unit 4 moves the process to S102.

S102: The main control unit 4 determines whether or not the transaction uses CR2 based on the selected transaction type information. If the main control unit 4 determines that the transaction uses CR2, the process proceeds to S104, and CR2 is not used. If it is determined that the transaction is made, the process proceeds to S103.
S103: The main control unit 4 that has determined that the transaction does not use CR2, executes a transaction that does not use CR2, and ends this process.

S104: The main control unit 4 that has determined that the transaction uses CR2 guides the customer to display a two-dimensional code that is information on payment contents on the screen of the mobile terminal.
S105: The main control unit 4 displays a screen as shown in FIG. 4 on the operation display unit 10, and guides the customer to place the portable terminal displaying the two-dimensional code on the holding stand 5.
To read the two-dimensional code displayed on the screen of the mobile terminal, the “confirmation button” is displayed on the screen of the operation display unit 10, and the customer presses the “confirmation button” to start reading the two-dimensional code. .

  The reading of the two-dimensional code may be started automatically upon detecting that a portable terminal on which the two-dimensional code is displayed is placed on the holding stand 5 for a certain period of time. Further, a two-dimensional code reading state confirmation screen is provided on the screen of the operation display unit 10 shown in FIG. 4, the position of the screen of the portable terminal placed on the holding stand 5 is confirmed, and the two-dimensional code is obtained by matching the positions. It is good also as what can be read.

S106: CR2 reads the two-dimensional code displayed on the screen of the mobile terminal.
S107: The main control unit 4 causes the operation display unit 10 to display a payment guidance screen as shown in FIG. When the payment operation is performed by the customer, the main control unit 4 shifts the process to S108.
S108: The main control unit 4 determines whether or not the payment is performed using the non-contact IC based on the payment operation by the customer, and determines that the payment is performed using the non-contact IC (selecting the portable terminal in FIG. 5). Then, the process proceeds to S110, and if it is determined that the payment does not use a non-contact IC (select cash or account debit in FIG. 5), the process proceeds to S109.

S109: The main control unit 4 that has determined that the payment does not use a non-contact IC executes payment of cash or account debit, and ends this process.
S110: The main control unit 4 that has determined that the payment is made using a non-contact IC may display a screen as shown in FIG. 6 on the operation display unit 10 and leave the portable terminal on the holding stand 5. To customers.
S111: The main control unit 4 instructs the non-contact IC unit 3 to communicate with the non-contact IC mounted on the portable terminal, executes a payment process, and ends this process.

  As described above, in the first embodiment, when a transaction is performed using a mobile terminal having a non-contact IC and a screen for displaying a two-dimensional code, the mobile terminal is placed. Since the non-contact IC and the non-contact IC unit communicate with each other and the CR reads the two-dimensional code, it is possible to save the trouble of moving the portable terminal to the communication position and the reading position. Therefore, the operability can be improved and the transaction time can be shortened.

  When another transaction is continued from the first embodiment, there is a case where the transaction proceeds while the portable terminal is placed on the holding stand. In the medium communication system of the present invention, since the holding stand is arranged in the vicinity of the banknote depositing / dispensing part and the coin depositing / dispensing part, the portable terminal is held by the shutter of the banknote depositing / dispensing part, for example, for dispensing. May fall into the banknote deposit and withdrawal part. When a mobile terminal falls, the operation | work which picks up a mobile terminal from a banknote depositing / withdrawing part generate | occur | produces, and there exists a problem that transaction time becomes long.

  In addition, since the operation display unit is arranged below the screen on the inclined surface facing the screen and the operation display unit, when the customer is operating the operation display unit or check the display There is a possibility that the mobile terminal slides down from the pedestal on the operation display unit. When the mobile terminal slides down, the customer's operation or display confirmation is hindered, and there is a problem that the operation of placing the mobile terminal on the holding table again occurs, resulting in a longer transaction time.

In the second to sixth embodiments, it is an object to solve such a problem, and the operability is improved by preventing a portable terminal or card mounted with a non-contact IC from dropping from the holding stand. The purpose is to improve and shorten the transaction time.
Since the external view of the automatic transaction apparatus in the second embodiment is the same as that of FIG. 2 of the first embodiment except for the guide 13 described later, the same reference numerals are given and description thereof is omitted.

FIG. 7 is an explanatory diagram of the shape of the guide for the stool in the second embodiment, and shows the vicinity of the stool in the external view of the automatic transaction apparatus.
FIG. 8 is a block diagram of the medium communication system of the automatic transaction apparatus according to the second embodiment.
7 and 8, except for the guide 13 which will be described later, since it is the same as FIG. 2 and FIG. 1 of the first embodiment, the same reference numerals are given and description thereof is omitted.

A guide 13 serving as a bill deposit / withdrawal unit side medium fall prevention unit is movably disposed at the end of the holding unit 5 on the bill deposit / withdrawal unit 6 side, and protrudes when the shutter of the bill deposit / withdrawal unit 6 is opened. Is open (state shown in FIG. 7) while it is open, and when the shutter is closed, it is in a state (state shown in FIG. 2) that fits inside the automatic transaction apparatus 1. The guide 13 is connected to the main control unit 4 and is controlled by the main control unit 4.
In addition, the customer information recording medium in a present Example is a card | curd carrying a portable terminal or non-contact IC.

The operation of the above configuration will be described.
The transaction process performed by the automatic transaction apparatus 1 will be described with reference to FIGS. 7 and 8 in accordance with the step indicated by S in the flowchart showing the transaction process flow of the automatic transaction apparatus in the second embodiment of FIG.
S201: The main control unit 4 displays an initial screen for performing a transaction on the operation display unit 10 and stands by. When the type of transaction is selected by the customer, the main control unit 4 moves the process to S202. At this stage, the guide 13 is in a state of being housed in the automatic transaction apparatus 1 as shown in FIG.

S202: The main control unit 4 determines whether or not it is a transaction for charging a non-contact IC based on the information on the type of transaction selected in S201. If it is determined that the transaction does not charge the non-contact IC, the process proceeds to S203.
S203: The main control unit 4 that has determined that the transaction does not charge the non-contact IC executes a transaction that does not charge the non-contact IC, and ends this process.

S204: The main control unit 4 determines whether or not the transaction uses cash based on the transaction type information selected in S201. If the transaction is determined to be a transaction using cash, the main control unit 4 proceeds to S206. If it is determined that the transaction does not use cash, the process proceeds to S205.
S205: The main control unit 4 that has determined that the transaction does not use cash executes a charge by debiting from the customer's account, and ends this process.
S206: The main control unit 4 that has determined that the transaction uses cash causes the guide 13 to protrude.

S207: The main control unit 4 displays a screen as shown in FIG. 10 on the operation display unit 10, and guides the customer to place a card or portable terminal with a non-contact IC on the holding table 5.
S208: The main control unit 4 instructs the bill deposit / withdrawal unit 6 to open (open) the shutter.
S209: The main control unit 4 guides and waits to prompt the customer to insert a bill. When a bill is inserted into the bill deposit / withdrawal unit 6 by the customer, the main control unit 4 shifts the process to S210.

S210: When banknote insertion by a customer is detected by a sensor or the like (not shown), the main control unit 4 instructs the banknote depositing / dispensing unit 6 to close (close) the shutter.
S211: The main control unit 4 counts the banknotes inserted into the banknote depositing / withdrawing unit 6, and based on the counted amount of banknotes, performs charging on the noncontact IC mounted on the card or the mobile terminal. Instruct unit 3.
S212: The main control unit 4 displays a screen as shown in FIG. 11 on the operation display unit 10, and guides the customer to receive the card or the portable terminal placed on the holding stand 5.

S213: When the “receipt confirmation” button displayed on the operation display unit 10 shown in FIG. 11 is pressed by the customer who has received the card or the portable terminal, the main control unit 4 shifts the process to S214.
When the “acknowledgement” button is not pressed for a certain period of time, the main control unit 4 may output a voice guidance or an alarm.
S214: The main control unit 4 instructs the guide 13 to fit in the automatic transaction apparatus 1, and ends this process.

  As described above, in the second embodiment, in addition to the first embodiment, the holding table on which the portable terminal is placed is present in the vicinity of the banknote depositing / dispensing section, and the shutter of the banknote depositing / dispensing section is opened. In some cases, since the guide on the banknote depositing / dispensing part side of the holding stand protrudes, an effect that the medium placed on the holding stand can be prevented from falling to the banknote depositing / dispensing part is obtained.

FIG. 12 is an explanatory diagram of the shape of the guide of the holding stand in the third embodiment.
FIG. 13 is a block diagram of the medium communication system of the automatic transaction apparatus according to the third embodiment.
12 and 13 are the same as FIG. 7 and FIG. 8 of the second embodiment except for the guide 14 described later, and thus the same reference numerals are given and description thereof is omitted.

In FIG. 12, in addition to the guide 13 of the second embodiment, a guide 14 as an operation display unit side medium fall prevention unit is disposed at an end of the holding stand 5 on the operation display unit 10 side. The guide 14 is interlocked with the guide 13 and protrudes when the shutter of the banknote depositing / dispensing part 6 is opened, and remains protruding (the state shown in FIG. 12) while the shutter is open, and when the shutter is closed. Is in a state (the state shown in FIG. 2) that fits inside the automatic transaction apparatus 1. In FIG. 13, the guide 14 is connected to the main control unit 4 and is controlled by the main control unit 4.
In addition, the customer information recording medium in a present Example is a card | curd carrying a portable terminal or non-contact IC.

The operation of the above configuration will be described.
The transaction processing performed by the automatic transaction apparatus 1 is different from the second embodiment in accordance with the step indicated by S in the flowchart showing the flow of transaction processing of the automatic transaction apparatus in the second embodiment of FIG. This will be described with reference to FIG.
S201 to S205: The processing is the same as that in FIG.

S206: “Guide 13” in the description of the second embodiment shall be read as “Guide 13 and Guide 14.”
S207 to S213: The processing is the same as that in FIG.
S214: “Guide 13” in the description of the second embodiment is read as “guide 13 and guide 14”.

  As described above, in the third embodiment, in addition to the effects of the second embodiment, when the shutter of the banknote depositing / dispensing unit is opened, the operation is performed in conjunction with the guide on the banknote depositing / dispensing unit side of the holding stand. Since the guide on the display unit side protrudes, an effect that the medium placed on the holding stand can be prevented from sliding down to the operation display unit can be obtained.

FIG. 14 is an explanatory view of the shape of the guide of the holding stand in the fourth embodiment.
FIG. 15 is a block diagram of the medium communication system of the automatic transaction apparatus according to the fourth embodiment.
14 and 15 are the same as FIG. 12 and FIG. 13 of the third embodiment except for the guide 15 described later, and thus the same reference numerals are given and description thereof is omitted.

Returning to the description of FIG. 14, in addition to the guide 13 of the second embodiment and the guide 14 of the third embodiment, the guide 15 as a coin dropout portion side medium fall prevention portion is a coin deposit and withdrawal portion in the holding stand 5. It is arrange | positioned at the edge part of 9 side. The guide 15 is interlocked with the guide 13 and the guide 14 and protrudes when the shutter of the banknote depositing / dispensing unit 6 is opened, and remains protruding while the shutter is open (the state shown in FIG. 14), and the shutter is closed. When it is, it will be in the state (state shown in FIG. 2) stored in the automatic transaction apparatus 1. In FIG. 15, the guide 15 is connected to the main controller 4 and is controlled by the main controller 4.
The customer information recording medium in the present embodiment is a card equipped with the portable terminal or the non-contact IC in the first embodiment.

The operation of the above configuration will be described.
The transaction processing performed by the automatic transaction apparatus 1 is different from the second embodiment according to the step indicated by S in the flow chart showing the flow of transaction processing of the automatic transaction apparatus in the second embodiment of FIG. This will be described with reference to FIG.
S201 to S205: The processing is the same as that in FIG.
S206: “Guide 13” in the description of the second embodiment is read as “Guide 13, guide 14 and guide 15”.

S207 to S213: The processing is the same as that in FIG.
S214: “Guide 13” in the description of the second embodiment is read as “guide 13, guide 14 and guide 15”.
As described above, in the fourth embodiment, in addition to the effects of the third embodiment, when the shutter of the banknote depositing / dispensing unit opens, the guide on the banknote depositing / dispensing unit side of the holding stand and the operation display unit side Since the guide on the coin deposit / withdrawal part side is projected in conjunction with the guide, the effect that the medium placed on the holding stand can be prevented from falling to the coin deposit / withdrawal part is obtained.

In the present embodiment, the guide 13, the guide 14, and the guide 15 are described as interlocking. However, the present invention is not limited to this, and each guide may be operated individually. For example, only the guide 15 may be operated when only the shutter of the coin depositing and dispensing unit 9 is opened, and only the guide 14 may be operated when guidance is newly displayed on the operation display unit 10.
Moreover, you may operate combining each guide, for example, the guide 13, the guide 14, and the guide 15 are at least one of the shutter of the banknote depositing / withdrawing part 6 or the shutter of the coin depositing / withdrawing part 9. When the shutter is open, it protrudes and remains in the protruding state (shown in FIG. 14). When both shutters are closed, the shutter is in the automatic transaction apparatus 1 (see FIG. 2). As shown).

Since the block diagram of the medium communication system of the automatic transaction apparatus in the fifth embodiment is the same as that of FIG. 1 of the first embodiment except for the holding stand 5, the same reference numerals are given and description thereof is omitted.
FIG. 16 is an external view of the automatic transaction apparatus according to the fifth embodiment, in which the stool 5 shown in FIG.
FIG. 17 is an external view of the vicinity of the stool in the fifth embodiment, and is a view when the stool 17 is rotated and the placement surface of the stool 17 is horizontal.

FIG. 18 is a cross-sectional view of the vicinity of the holding stand in the fifth embodiment.
In FIG. 18, the pedestal 17 can be rotated about the convex portion 17a, and the mounting surface of the pedestal 17 is inclined by rotating in the direction indicated by the arrow B in the drawing by a drive unit (not shown). It can be horizontal from a state parallel to the surface 12.
The operation of the above configuration will be described.
The payment process performed by the automatic transaction apparatus 1 will be described with reference to FIG. 18 according to the step indicated by S in the flowchart showing the flow of the payment process of the automatic transaction apparatus in the sixth embodiment of FIG.

S301 to S303: The processing is the same as S101 to S103 in FIG. In addition, in the explanation of each step of S101 to S103, “holding board 5” is read as “holding board 17”.
S304: The holding stand 17 rotates in the direction indicated by the arrow B in the drawing as shown in FIG. 18, and the placement surface of the holding stand 17 becomes horizontal.

S305 to S312: The processing is the same as S104 to S111 in FIG. Further, in the description of each step of S104 to S111, “holding board 5” is read as “holding board 17”.
S313: The placement surface of the pedestal 17 is rotated from the horizontal in the direction opposite to the direction indicated by the arrow B in the drawing, and is parallel to the inclined surface 12.

As described above, in the fifth embodiment, in addition to the first embodiment, when the medium is placed on the pedestal, the pedestal is rotated and becomes horizontal. The effect that the fallen medium can be prevented from falling is acquired.
In addition, CR2 can irradiate the two-dimensional code displayed on the screen of the portable terminal, etc., by rotating the pedestal and making the placement surface horizontal, so that the pedestal is parallel to the inclined surface 12. Since it is easy to receive the reflected light, it is possible to easily read the two-dimensional code.

Since the block diagram of the medium communication system of the automatic transaction apparatus and the external view of the automatic transaction apparatus in the sixth embodiment are the same as those in the first embodiment shown in FIGS. The description is omitted.
FIG. 20 is an external view of the vicinity of the stool in the sixth embodiment, in which the stool 17 shown in FIG. 16 is replaced with a stool 18 and the mounting surface at the center of the stool 18 is depressed, It is a figure at the time of becoming horizontal.
In FIG. 20, the holding stand 18 has a central portion of the placement surface that falls by a drive unit (not shown), and the recessed placement surface becomes horizontal, and a portable terminal can be placed on the placement surface. It is.

The operation of the above configuration will be described.
The payment process performed by the automatic transaction apparatus 1 is different from the fifth embodiment in accordance with the step indicated by S in the flowchart showing the flow of the payment process of the automatic transaction apparatus in the fifth embodiment of FIG. This will be described with reference to FIG.

S301 to S303: The processing is the same as that in FIG.
S304: As for the holding stand 18, the surface of the center part falls and the center part where it fell becomes horizontal.
S305 to S312: The processing is the same as that in FIG.
S313: The holding table 18 returns from the state in which the central portion of the mounting surface is depressed to the state before the central portion of S303.

As described above, in the fifth embodiment, in addition to the first embodiment, when the medium is placed on the holding stand, the center portion of the holding stand falls and the depressed center portion becomes horizontal. Therefore, the effect that the portable terminal placed in the central portion can be prevented from falling is obtained.
In addition, since the holding surface of the holding stand falls and becomes horizontal, the holding stand is parallel to the inclined surface 12, so that the CR2 reflects the two-dimensional code displayed on the screen of the portable terminal. Since it becomes easy to receive light, the effect that it is easy to read a two-dimensional code is acquired.

In the seventh embodiment, in addition to the configuration of the medium communication system shown in any one of the first to sixth embodiments, a sensor is arranged in the vicinity of the banknote depositing / dispensing portion, An object is to prevent foreign matter from being taken into the deposit / withdrawal unit. Hereinafter, the medium communication system according to the first embodiment will be described as an example.
Since the external view of the automatic transaction apparatus in the seventh embodiment is the same as that of FIG. 2 of the first embodiment, the description thereof is omitted.

FIG. 21 is a block diagram of the medium communication system of the automatic transaction apparatus according to the seventh embodiment, in which the sensor 16 is added to the block diagram shown in FIG. Note that parts similar to those of the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.
In FIG. 21, a sensor 16 is disposed in the vicinity of the banknote deposit / withdrawal unit 6 and detects a metal.

FIG. 22 is a cross-sectional view of the banknote depositing / withdrawing unit in the seventh embodiment, and the customer operates the state in which the foreign matter 21 has fallen on the banknote depositing / withdrawing unit 6 with the shutter 19 of the banknote depositing / dispensing unit 6 opened. It is a cross section of the banknote depositing / withdrawing part seen from the side of the side to do. In this embodiment, the foreign object 21 is a portable terminal.
In FIG. 22, the sensor 16 is arrange | positioned in the downward direction which is the vicinity of the banknote depositing / withdrawing part 6, and detects a metal.
The banknote 20 is the one inserted by the customer into the banknote deposit / withdrawal unit 6 for transaction processing.

FIG. 23 is a transparent view of the banknote deposit / withdrawal unit in the seventh embodiment.
In FIG. 23, a plurality of sensors 16 are arranged in the width direction below the banknote depositing / dispensing unit 6, and can detect foreign matters such as coins.
The operation of the above configuration will be described.
The transaction process performed by the automatic transaction apparatus 1 will be described with reference to FIGS. 1 and 2 in accordance with the step indicated by S in the flowchart showing the transaction process flow of the automatic transaction apparatus in the seventh embodiment of FIG.

S401: The main control unit 4 displays an initial screen for performing a transaction on the operation display unit 10, and the type of transaction is selected by the customer.
S402: Based on the selected transaction type information, the main control unit 4 determines whether the transaction uses a non-contact IC. If the main control unit 4 determines that the transaction uses a non-contact IC, the process proceeds to S404. If it is determined that the transaction does not use a non-contact IC, the process proceeds to S403.

S403: The main control unit 4 that has determined that the transaction does not use a non-contact IC executes a transaction that does not use a non-contact IC, and ends this process.
S404: The customer selects to charge the non-contact IC.
S405: The main control unit 4 displays a screen as shown in FIG. 10 on the operation display unit 10, and guides the customer to place a card or portable terminal with a non-contact IC on the holding table 5.

S406: Cash is put into the banknote deposit / withdrawal unit 6 by the customer.
S407: The main control unit 4 determines whether or not there is a foreign object in the banknote depositing / withdrawing unit 6 by using the sensor 16. If it is determined that there is a foreign object, the process proceeds to S408, and if it is determined that there is no foreign object, the process is performed. The process proceeds to S409.
S408: The main control unit 4 that has determined that there is a foreign object displays a screen as shown in FIG. 25 on the operation display unit 10, guides the customer to remove the foreign object from the banknote deposit and withdrawal unit 6, and performs the process in S407. Return to.

S409: The main control unit 4 counts the cash inserted into the banknote deposit / withdrawal unit 6.
S410: The main control unit 4 instructs the non-contact IC unit 3 to charge the non-contact IC mounted on the card or the portable terminal based on the cash counted in the process of S409.
S411: The main control unit 4 displays a screen as shown in FIG. 11 on the operation display unit 10, guides the customer to receive the card or the portable terminal placed on the holding stand 5, and ends the process.

As described above, in the seventh embodiment, in addition to the effects of any one of the first to sixth embodiments, a sensor is disposed in the vicinity of the banknote depositing / dispensing portion, and foreign matter is removed. Since it was made to monitor, the effect that it can prevent that a foreign material is taken in into a banknote depositing / withdrawing part is acquired.
In addition, although the two-dimensional code was demonstrated as an example as transaction information, it is good also as a barcode etc. without being restricted to it.
Moreover, although ATM was demonstrated as an example as an automatic transaction apparatus, it is not restricted to it, It is also an unmanned transaction apparatus, and other functions, for example, a ticket reservation function, a goods purchase application function, a credit card credit confirmation function, facility information A multi-function terminal having a guidance function or the like may be used.

1 Automatic transaction equipment 2 CR
DESCRIPTION OF SYMBOLS 3 Non-contact IC unit 4 Main control part 5, 17, 18 Holding stand 17a Convex part 6 Banknote depositing / withdrawing part 7 Card handling part 8 Passbook handling part 9 Coin depositing / withdrawing part 10 Operation display part 11 Return port 12 Inclined surface 13, 14 , 15 Guide 16 Sensor 19 Shutter 20 Bill 21 Foreign object

Claims (7)

In a medium communication system that has a non-contact IC that performs non-contact communication and that can be traded using a customer information recording medium that has a display unit that displays transaction information.
Contactless communication means for communicating with the contactless IC;
Transaction information reading means for reading the transaction information displayed on the display unit;
A pedestal provided so that the customer information recording medium can be placed ; and
A banknote deposit / withdrawal unit for depositing / withdrawing banknotes,
A bill deposit / withdrawal part side medium drop prevention unit that is disposed at an end of the holding table on the bill deposit / withdrawal part side and can be protruded upward ;
A customer information recording medium in which the non-contact IC of the customer information recording medium placed on the holding stand communicates with the non-contact communication means, and the transaction information reading means is placed on the holding stand. A medium communication system , wherein the transaction information displayed on the display unit is read from above . The media communication system according to claim 1, wherein
Has a shutter motor for opening and closing the front Symbol bank bill input and output portion,
The held up table is present in the vicinity of the bill receiving and dispensing portion, when the shutter of the banknote dispensing unit is opened, the to protrude the bank bill input and output portion medium drop prevention portion, the shutter of the bill depositing and dispensing unit is closed And the bill deposit / withdrawal part side medium fall prevention part is accommodated in the apparatus . The medium communication system according to claim 1 or 2,
An operation display unit that accepts customer operations and displays guidance;
A projecting operation display unit side medium fall prevention unit disposed at an end of the holding table on the operation display unit side;
The holding stand is in the vicinity of the operation display unit side, and when the shutter of the banknote deposit / withdrawal unit is opened, the operation display unit side medium fall prevention unit is interlocked with the banknote deposit / withdrawal unit side medium fall prevention unit. A medium communication system characterized by protruding. The medium communication system according to any one of claims 1 to 3,
A coin deposit and withdrawal section for depositing and dispensing coins;
A coin deposit / withdrawal part side medium fall prevention part which can be protruded and arranged at the end of the coin holding / dispensing part side of the holding table,
The holding stand is in the vicinity of the coin deposit / withdrawal unit, and when the shutter of the bill deposit / withdrawal part is opened, the coin deposit / withdrawal unit side medium fall prevention unit is interlocked with the bill deposit / withdrawal unit side medium fall prevention unit. A medium communication system, wherein a portion protrudes. 5. The media communication system according to claim 4, wherein
A medium communication system that controls the bill deposit / withdrawal unit side medium fall prevention unit, the operation display unit side medium fall prevention unit, and the coin deposit / withdrawal unit side medium fall prevention unit, respectively. The medium communication system according to any one of claims 1 to 5 ,
Arranged in the vicinity of the banknote deposit and withdrawal part, having a sensor for detecting foreign matter other than banknotes,
The medium communication system, wherein the sensor monitors a foreign object dropped on the banknote deposit and withdrawal unit. An automatic transaction apparatus comprising the medium communication system according to any one of claims 1 to 6 .

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