JP6149448B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus having an operation unit operated by a customer.

  Conventionally, an automatic transaction apparatus having an operation unit operated by a customer is installed in a financial institution or the like. Generally, in the operation of such an automatic transaction apparatus, the automatic transaction apparatus first displays a transaction selection screen, and the customer selects a transaction item from the transaction selection screen. Then, the automatic transaction apparatus displays a card or passbook insertion screen and allows the customer to insert the card or passbook. The automatic transaction apparatus reads the information of the inserted card or passbook, and then displays a password input screen to allow the customer to input the password. Next, the automatic transaction apparatus causes the customer to input detailed information of transaction contents, and after determining that the information is correct, executes the transaction. Thereafter, the automatic transaction apparatus terminates the transaction when it is confirmed that the customer has received an output medium such as cash, a card, a passbook, and a receipt. When the transaction ends, the automatic transaction apparatus returns to the transaction selection screen and is in a standby state until the next transaction starts.

  In such an automatic transaction apparatus by a customer, the operation time may be determined depending on the specifications and performance of the automatic transaction apparatus itself, and may be determined depending on the operation speed of the operating customer. These may lead to an increase in the overall waiting time. Japanese Patent Application Laid-Open No. 7-230510 (Patent Document 1) discloses a technique for shortening the operation time in the automatic transaction apparatus by effectively using the waiting time after the next customer. According to Japanese Patent Laid-Open No. 2004-260260, the contents that the next customer operates on the automatic transaction apparatus are input in advance and stored in a storage card such as a magnetic card, thereby causing the normal automatic transaction apparatus to read the information on the storage card and waiting. It effectively uses time and shortens the overall waiting time.

JP-A-7-230510

  However, according to the conventional technology, there has been a case where the customer occupies the front of the automatic transaction apparatus for a long time including during and after the transaction. For example, after the transaction ends, the customer confirms the contents of the bankbook in front of the automatic transaction apparatus, or confirms the issued receipt or the cash that has been withdrawn. These have the problem of increasing the waiting time for subsequent customers and creating a queue in front of the automatic transaction apparatus. Furthermore, if the customer confirms the transaction information printed on the bankbook, receipt, etc. after the transaction ends, there is a problem that the transaction information of the customer is voyeurized. Furthermore, if the customer confirms the cash in front of the automatic transaction apparatus after the withdrawal transaction, there is a problem that the cash may be stolen.

  The problem to be solved by the present invention is to reduce the cause of creating a queue for an automatic transaction apparatus without increasing the waiting time for subsequent customers. Furthermore, the customer after the transaction ends does not check the transaction information printed on the passbook, receipt or the like in front of the automatic transaction apparatus, and the cause of the customer's transaction information being voyeurized is reduced. Furthermore, there is no need for the customer after the withdrawal transaction to confirm the cash in front of the automatic transaction apparatus, and to reduce the cause of the cash being stolen.

In order to solve the above problems, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus having an operation unit operated by a customer, and a proximity sensor that detects that the customer occupies the front of the automatic transaction apparatus, A transaction monitoring unit that confirms that the customer is operating the automatic transaction apparatus, a transaction counter that counts the elapsed time from the start of the transaction by the customer, and an end that counts the elapsed time from the end of the transaction As a result of confirmation by an after counter and the transaction monitoring unit, when the customer is operating even if the elapsed time from the start of the transaction counted by the in-transaction counter exceeds a first predetermined time display medium warning message, the result of detection by the proximity sensor, the elapsed time from the end of the transaction that has been counted by the after completion counter second It is intended to include a display unit that displays after the end of the warning message when it exceeds a predetermined time the customer occupies the front the automatic teller machine.

  According to the present invention having the above-described configuration, the transaction counter and the post-counter counter are provided, and a transaction warning message is displayed when the customer is operating even after a first predetermined time is exceeded. Since the warning message is displayed after the end when the customer occupies the front of the automatic transaction apparatus even if the predetermined time of 2 is exceeded, without increasing the waiting time for the customer after the next customer, The cause of queuing in front of the automatic transaction apparatus can be reduced. Furthermore, since it is possible to eliminate the confirmation of the transaction information printed on the bankbook, receipt, etc. by the customer who has completed the transaction, it is possible to reduce the cause of the customer's transaction information being voyeurized. Furthermore, since it is possible to prevent the customer who has finished the transaction from checking the cash in front of the automatic transaction apparatus, it is possible to provide an automatic transaction apparatus that can reduce the cause of the cash being stolen. Become.

It is a block diagram of the control part of the automatic transaction apparatus regarding 1st Embodiment. It is a block diagram which shows the structure of the automatic transaction apparatus regarding 1st Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding 1st Embodiment. It is explanatory drawing which shows the transaction selection screen. It is explanatory drawing which shows the warning message screen during a transaction regarding 1st Embodiment. It is explanatory drawing which shows the warning message screen after completion | finish regarding 1st Embodiment. It is a block diagram which shows the structure of the automatic transaction apparatus regarding 2nd Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding 2nd Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding the modification of 1st Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding the modification of 2nd Embodiment.

(First embodiment)
Hereinafter, a first embodiment of the present invention will be described. FIG. 2 is a block diagram showing the configuration of the automatic transaction apparatus according to the first embodiment. An automatic transaction apparatus (ATM) 10 is installed in a financial institution or the like, and can perform a deposit transaction, a withdrawal transaction, etc. by a customer operation. The automatic transaction apparatus 10 has an operation display unit 1 operated by a customer. The operation display unit 1 includes an input unit including a touch panel for a customer to perform a transaction operation and a display unit including a display for guiding and displaying the customer's operation. Moreover, the automatic transaction apparatus 10 has the proximity sensor part 3 which detects that the customer stood in front of the automatic transaction apparatus 10 at the start of transaction, that is, that the customer occupies the automatic transaction apparatus 10.

  Further, the card processing unit 4 in the automatic transaction apparatus 10 takes in a cash card (not shown) inserted by the customer and reads customer information. The voice guidance unit 5 includes a speaker for notifying the customer by voice in order to guide the customer's operation. In the present embodiment, voice guidance can be performed simultaneously with the display of a during-transaction warning message (see FIG. 5) and a post-end warning message (see FIG. 6) which will be described later. The passbook processing unit 6 prints unbooked data for the passbook inserted by the customer. The receipt processing unit 7 prints and discharges the receipt after the transaction process. The coin deposit / withdrawal unit 8 performs deposit processing and withdrawal processing on coins. The banknote deposit / withdrawal unit 9 performs deposit processing and withdrawal processing on banknotes. The control unit 2 is connected to these units and controls each unit.

  FIG. 1 is a block diagram of a control unit of the automatic transaction apparatus according to the first embodiment. The figure shows only functions related to the present embodiment. The operation display control unit 11 of the control unit 2 controls display data displayed on the operation display unit 1 based on the control of the device control unit 20 and notifies the device control unit 20 of input data input by the customer. The sensor control unit 13 constantly monitors the state of the proximity sensor unit 3 based on the control of the device control unit 20. When the proximity sensor unit 3 detects that the customer occupies the automatic transaction apparatus 10, this is notified to the apparatus control unit 20. The transaction start / end monitoring unit 12 as the transaction monitoring unit confirms that the customer has started the transaction and that the customer has ended the transaction, and notifies the device control unit 20 of the confirmation. Here, the transaction starts when the customer selects a desired transaction item from the transaction selection screen 21 described later, and the transaction ends when the customer receives an output medium such as cash, a card, a passbook, or a receipt. Is the time.

  The timer unit 14 has a clock function and supplies time to the counter 15 during transaction and the counter 16 after completion. The during-transaction counter 15 as the first counter measures an elapsed time from the start of the transaction confirmed by the transaction start / end monitoring unit 12 to the end of the transaction, that is, the transaction time. The post-end counter 16 as the second counter measures the elapsed time from the end of the transaction confirmed by the transaction start / end monitoring unit 12 to the release of the occupation of the customer's automatic transaction apparatus 10 detected by the proximity sensor 3. The storage unit 17 stores a program for operating the device control unit 20, and also includes a predetermined threshold value as a first predetermined time and a predetermined threshold value as a second predetermined time, which will be described below. Stores various data.

  The threshold comparison unit 18 compares an elapsed time from the start of the transaction measured by the in-transaction counter 15 with a predetermined threshold as the first predetermined time. The first predetermined time varies depending on the type of transaction selected by the customer. For example, in the case of a transfer transaction, the first predetermined time is longer than in the case of a withdrawal transaction. The first predetermined time for each transaction type can be set from data obtained in actual operation. Further, the threshold comparison unit 18 compares the elapsed time from the end of the transaction measured by the post-end counter 16 with a predetermined threshold as a second predetermined time. The device control unit 20 controls the operations of these units according to a program.

Next, operations related to the first embodiment will be described. FIG. 3 is a flowchart showing the operation of the automatic transaction apparatus according to the first embodiment.
S101: The apparatus control unit 20 instructs the sensor control unit 13 to monitor the state of the proximity sensor unit 3. When the proximity sensor unit 3 detects that the customer stands in front of the automatic transaction apparatus 10, the process proceeds to step 102.

  S102: Upon detecting that the customer has stood in front of the automatic transaction apparatus 10, the apparatus control unit 20 instructs the operation display control unit 11 to display the transaction selection screen 21 on the operation display unit 1. FIG. 4 is an explanatory diagram showing the transaction selection screen 21. The transaction selection screen 21 displays “Please select a transaction item”. Various types of buttons 22 such as deposit, withdrawal, passbook entry, balance inquiry, transfer, and transfer are displayed. The customer selects one of the various transaction type buttons 22 and presses the confirmation button 23. The device control unit 20 instructs the operation display control unit 11 to notify the transaction type button 22 input by the customer. Thereby, the device control unit 20 notifies the transaction start / end monitoring unit 12 that the transaction type button 22 has been selected. The transaction start / end monitoring unit 12 confirms that the transaction has started.

S103: When the transaction is started, the device control unit 20 instructs the in-transaction counter 15 to start measuring the elapsed time from the start of the transaction. Thereafter, the customer operates the operation display unit 1 to make a transaction.
S104: As described above, the transaction ends when it is confirmed that the customer has received an output medium such as cash, a card, a passbook, and a receipt. The transaction start / end monitoring unit 12 monitors the output of a sensor (not shown) to confirm that the customer has received an output medium such as cash, a card, a passbook, or a receipt. The device control unit 20 instructs the transaction start / end monitoring unit 12 to notify whether or not the transaction end confirmation has been obtained. When it is confirmed that the transaction has been completed, the process proceeds to step 107.

  S105: When the end of the transaction cannot be confirmed, the device control unit 20 reads the elapsed time from the start of the transaction measured by the in-transaction counter 15 with respect to the threshold comparison unit 18, and predetermines it as the first predetermined time. Instructs to compare if the threshold is exceeded. If not exceeded, the process returns to step 104. If exceeded, the process proceeds to step 106.

  S106: When the elapsed time from the start of the transaction measured by the during-transaction counter 15 exceeds a predetermined threshold, the device control unit 20 displays a during-transaction warning message on the operation display unit 1 with respect to the operation display control unit 11. Instruct them to do so. FIG. 5 is an explanatory diagram showing a during-transaction warning message screen according to the first embodiment. On the transaction warning message screen 31, “Because there is a risk of information leakage for a long time transaction, please close the transaction as soon as possible” and prompt the customer to close the transaction early . The voice guidance unit 5 can perform voice guidance of the same sentence simultaneously with the display of the transaction warning message screen 31. FIG. 5 illustrates the password input message, but the present invention is not limited to this. After displaying the transaction warning message screen 31, the process returns to Step 104.

S107: When the end of the transaction is confirmed in step 104, the device control unit 20 instructs the in-transaction counter 15 to stop measuring the elapsed time from the start of the transaction and clear the contents.
S108: Thereafter, the device control unit 20 instructs the post-end counter 16 to start measuring the elapsed time since the end of the transaction.

  S109: The apparatus control unit 20 instructs the sensor control unit 13 to monitor the state of the proximity sensor unit 3. That is, it is instructed to detect whether the customer still occupies the front of the automatic transaction apparatus 10. When the proximity sensor unit 3 is ON, that is, when the customer occupies, the process proceeds to step 110, and when it is OFF, that is, when the customer is away from the front of the automatic transaction apparatus 10, the process proceeds to step 112.

  S110: When the customer is still occupying the front of the automatic transaction apparatus 10, the apparatus control unit 20 reads the elapsed time from the end of the transaction measured by the post-end counter 16 to the threshold comparison unit 18, and the second An instruction is given to compare whether or not a predetermined threshold value as a predetermined time has been exceeded. If not, the process returns to step 109, and if it exceeds, the process proceeds to step 111.

  S111: When the elapsed time from the end of the transaction measured by the counter 16 after completion exceeds a predetermined threshold, the device control unit 20 displays a warning message after the completion on the operation display unit 1 to the operation display control unit 11. Instruct them to do so. FIG. 6 is an explanatory diagram showing a post-end warning message screen according to the first embodiment. On the warning message screen 41 after the completion, “please refrain from checking transaction information in front of ATM because there is a risk of information leakage” and prompt the customer to leave the automatic transaction apparatus 10 . The voice guidance unit 5 can perform voice guidance of the same sentence simultaneously with the display of the warning message screen 41 after the end. Note that FIG. 6 displays “Thank you very much. We are looking forward to seeing you again” to indicate that the transaction has ended. After displaying the warning message screen 41 after completion, the process proceeds to step 109 and waits for the customer to leave the front of the automatic transaction apparatus 10.

  S112: When the customer leaves the front of the automatic transaction apparatus 10, that is, when the customer releases the occupation, the apparatus control unit 20 stops measuring the elapsed time from the end of the transaction to the counter 16 after the end, Instruct to clear.

  As described above, according to the first embodiment, since the warning message during transaction and the warning message after the end are displayed, it is possible to wait for the automatic transaction apparatus 10 without increasing the waiting time for the subsequent customers. The cause of creating a matrix can be reduced. Furthermore, it is possible to provide the automatic transaction apparatus 10 that can reduce the cause of the voyeur of the customer transaction information and reduce the cause of the cash being stolen.

(Second Embodiment)
Next, a second embodiment of the present invention will be described. In the first embodiment, an after-counter 16 is provided, and the time from the end of the transaction confirmed by the transaction start / end monitoring unit 12 to the cancellation of the occupation of the customer's automatic transaction apparatus 10 detected by the proximity sensor 3 is set. It was something to measure. In the second embodiment, an occupied counter 46 is provided instead.

  FIG. 7 is a block diagram showing the configuration of the automatic transaction apparatus according to the second embodiment. The occupancy counter 46 measures the time from the start of occupancy of the customer's automatic transaction apparatus 10 detected by the proximity sensor unit 3 to the release of occupancy. That is, the occupation time from the start of occupation to the automatic transaction apparatus 10 by the customer is measured. The other configurations in FIG. 7 are the same as those in the first embodiment, and thus description thereof is omitted.

  Next, an operation related to the second embodiment will be described. FIG. 8 is a flowchart showing the operation of the automatic transaction apparatus 10 according to the second embodiment.

S201: The apparatus control unit 20 instructs the sensor control unit 13 to monitor the state of the proximity sensor unit 3. When the proximity sensor unit 3 detects that the customer stands in front of the automatic transaction apparatus 10, the sensor control unit 13 notifies the apparatus control unit 20 that the automatic transaction apparatus 10 has been occupied by the customer.
S202: In response to this, the apparatus control unit 20 instructs the occupied counter 46 to start measuring the occupation time from the occupation start. Thereafter, the process proceeds to step 203.

Steps 203 to 208 in FIG. 8 are the same as steps 102 to 107 in FIG.
S209: The apparatus control unit 20 instructs the sensor control unit 13 to monitor the state of the proximity sensor unit 3. That is, it is instructed to detect whether the customer still occupies the front of the automatic transaction apparatus 10. When the proximity sensor unit 3 is ON, that is, when the customer occupies, the process proceeds to step 210, and when it is OFF, that is, when the customer is away from the front of the automatic transaction apparatus 10, the process proceeds to step 212.

  S210: When the customer is still occupying the front of the automatic transaction apparatus 10, the apparatus control unit 20 reads out the occupancy time measured by the occupancy counter 46 to the threshold comparison unit 18, and sets it as the second predetermined time. Is instructed to compare whether or not a predetermined threshold is exceeded. If not, the process returns to step 209. If it exceeds, the process proceeds to step 211.

  S211: When the occupancy time measured by the occupancy counter 46 exceeds a predetermined threshold, the apparatus control unit 20 displays the occupancy warning message screen 41 on the operation display unit 1 with respect to the operation display control unit 11. Instruct. Since the exclusive warning message screen 41 is the same as the post-end warning message screen 41 in FIG. 6 of the first embodiment, the post-end warning message screen 41 is replaced with the occupied warning message screen 41. After the occupation warning message screen 41 is displayed, the process proceeds to step 209 and waits for the customer to leave the front of the automatic transaction apparatus 10.

  S212: When the customer leaves the front of the automatic transaction apparatus 10, that is, when the customer releases the occupation, the apparatus control unit 20 instructs the occupation counter 46 to stop measuring the occupation time and clear the contents. To do.

  As described above, according to the second embodiment, since the time for the customer to occupy the front of the automatic transaction apparatus 10 can be measured, the time before the start of the transaction can be measured including the occupancy time. Compared to the effect of the embodiment, the occupation time can be grasped more accurately.

  In the description of the first embodiment and the second embodiment, it has been described that the predetermined threshold value as the first predetermined time differs depending on the type of transaction selected by the customer, but is not limited thereto. Absent. It may be different depending on the skill level of the customer operation display unit 1 with respect to the touch panel. That is, the control unit 2 is provided with an input skill level analysis unit (not shown) for analyzing the customer touch panel skill level. The touch panel skill level may be based on the speed of key input. Then, the device control unit 20 instructs the input skill level analysis unit to analyze the touch panel skill level from the input data input by the customer notified from the operation display control unit 11. For customers who have been analyzed as having a low touch panel skill level, the first predetermined time is lengthened. By doing so, it is possible to accurately apply the first predetermined time that is handled by the customer in consideration of individual differences.

(Modification of the first embodiment)
In step 110 in the first embodiment, after the transaction ends, the customer still occupies the front of the automatic transaction apparatus 10, and the elapsed time from the transaction end measured by the counter 16 after the end exceeds a predetermined threshold. At this time, a warning message is displayed after completion, but the present invention is not limited to this. That is, an occupancy counter similar to that in the second embodiment is provided, and before the transaction starts in step 102, when the occupancy time from the occupancy start measured by the occupancy counter exceeds a predetermined threshold, before the start An exclusive warning message screen may be displayed.

FIG. 9 is a flowchart showing the operation of the automatic transaction apparatus 10 relating to the modified example of the first embodiment.
S101: The apparatus control unit 20 instructs the sensor control unit 13 to monitor the state of the proximity sensor unit 3. When the proximity sensor unit 3 detects that the customer stands in front of the automatic transaction apparatus 10, the process proceeds to step 101-2.

S101-2: The apparatus control unit 20 instructs an occupancy counter (not shown in FIG. 1) to start measuring the occupancy time from the start of occupancy.
S102: Upon detecting that the customer has stood in front of the automatic transaction apparatus 10, the apparatus control unit 20 instructs the operation display control unit 11 to display the transaction selection screen 21 on the operation display unit 1. Since the description of the transaction selection screen 21 is the same as that of the first embodiment, the description is omitted.
S102-2: When confirmation of the transaction start cannot be obtained, the device control unit 20 reads out the occupation time from the occupation start measured by the occupation counter to the threshold comparison unit 18, and preliminarily serves as a third predetermined time. Instructs to compare whether the specified threshold is exceeded. If not, the process returns to step 102. If it exceeds, the process proceeds to step 102-3.

  S102-3: When the occupancy time from the occupancy start measured by the occupancy counter exceeds a predetermined threshold, the device control unit 20 notifies the operation display control unit 11 to the operation display unit 1 during the start occupancy warning Instructs the message to be displayed. Occupied warning message screen before starting displays “Please contact us as soon as possible because there is a risk of information leakage if you are in front of the device for a long time.” Prompt to start. The voice guidance unit 5 can perform voice guidance of the same sentence simultaneously with the display of the preoccupied occupation warning message screen. After the pre-start occupancy warning message screen is displayed, the process returns to step 102.

  S102-4: When the transaction start is confirmed in step 102, the apparatus control unit 20 instructs the occupied counter to stop measuring the occupied time and clear the contents. The subsequent steps are the same as those after step 103.

(Modification of the second embodiment)
Further, in step 210 in the second embodiment, when the customer still occupies the front of the automatic transaction apparatus 10 after the transaction ends and the occupancy time measured by the occupancy counter 46 exceeds a predetermined threshold, Although the middle warning message screen 41 is displayed, the present invention is not limited to this. That is, before the start of the transaction in step 203, when the occupation time from the occupation start measured by the occupation counter 46 exceeds a predetermined threshold, the pre-start occupation warning message screen may be displayed. Good.

FIG. 10 is a flowchart showing the operation of the automatic transaction apparatus 10 relating to the modification of the second embodiment.
S201: The apparatus control unit 20 instructs the sensor control unit 13 to monitor the state of the proximity sensor unit 3. When the proximity sensor unit 3 detects that the customer stands in front of the automatic transaction apparatus 10, the process proceeds to step 202.

S202: The apparatus control unit 20 instructs the occupancy counter 46 shown in FIG. 7 to start measuring the occupancy time from the start of occupancy.
S203: Upon detecting that the customer stands in front of the automatic transaction apparatus 10, the apparatus control unit 20 instructs the operation display control unit 11 to display the transaction selection screen 21 on the operation display unit 1. Since the description of the transaction selection screen 21 is the same as that of the first embodiment, the description is omitted.
S203-2: When the transaction start cannot be confirmed, the device control unit 20 reads out the occupation time from the occupation start measured by the occupancy counter 46 to the threshold comparison unit 18, and sets it as the third predetermined time. Instructs to compare whether a predetermined threshold is exceeded. If not, the process returns to step 203. If it exceeds, the process proceeds to step 203-3.

  S203-3: When the occupancy time measured by the occupancy counter 46 exceeds a predetermined threshold, the device control unit 20 displays a pre-starting occupancy warning message on the operation display unit 1 to the operation display control unit 11. Instruct them to do so. Occupied warning message screen before starting displays “Please contact us as soon as possible because there is a risk of information leakage if you are in front of the device for a long time.” Prompt to start. The voice guidance unit 5 can perform voice guidance of the same sentence simultaneously with the display of the preoccupied occupation warning message screen. After displaying the preoccupied occupation warning message screen, the process returns to step 203. The subsequent steps are the same as those after step 204.

  According to the modification of the first and second embodiments described above, if the customer is standing in front of the automatic transaction apparatus 10 and continuing to occupy even before the transaction is started, the occupancy warning message before the start is displayed. Since it is displayed and prompts the start of the transaction at an early stage, the cause of queuing in front of the automatic transaction apparatus can be reduced without increasing the waiting time for the subsequent customers.

  In the present embodiment, the case where the present invention is applied to an automatic transaction apparatus installed in a financial institution or the like has been described. However, the present invention is not limited to this, and the present invention is applied to all apparatuses that perform printing or ticketing after a transaction. It is possible.

DESCRIPTION OF SYMBOLS 1 Operation display part 2 Control part 3 Proximity sensor part 10 Automatic transaction apparatus 12 Transaction start end monitoring part 15 Counter in transaction 16 Counter after completion 31 Transaction warning message screen 41 Warning message screen after completion (occupation warning message screen)

Claims (1)

In an automatic transaction apparatus having an operation unit operated by a customer,
A proximity sensor for detecting that the customer occupies the front of the automatic transaction apparatus;
A transaction monitoring unit for confirming that the customer is operating the automatic transaction apparatus;
A trading counter that counts the elapsed time since the start of the transaction by the customer;
An after-counter that counts the elapsed time from the end of the transaction;
As a result of confirmation by the transaction monitoring unit, an in-transaction warning message is displayed when the customer is operating even if the elapsed time from the start of the transaction counted by the in-transaction counter exceeds a first predetermined time. The customer occupies the front of the automatic transaction apparatus even if the elapsed time from the end of the transaction counted by the post-termination counter exceeds a second predetermined time as a result of detection by the proximity sensor. An automatic transaction apparatus, comprising: a display unit that displays a warning message after completion.

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