JPH0199195A - Automatic cash transactor - Google Patents

Abstract

PURPOSE: To prevent occurrence of a carrying fault in the machine due to intrusion of a foreign material by providing a detection means detecting the foreign material depositted in a paper money insert reception section and a notice means urging a customer to eliminate the foreign material visually or audibly. CONSTITUTION: When a customer deposits a metal-made foreign material such as a coin to a paper money insert reception section 36 in mistake, oscillation magnetic field sensor pairs 46a, 46b in the paper money insert reception section 36 detect it to stop the operation of the paper money insert reception section 36. Then a notice means is activated to urge the customer to eliminate the foreign material visually or audibly. When paper moneys without a foreign material are received or the foreign material is eliminated after the operation above, the inserted paper moneys are fed to the machine from the paper money insert reception section 36 and they are counted and inspected to conduct usual money receiving transaction. Thus, occurrence of carrying fault in the machine due to entering of the foreign material is prevented and the paper money receiving paying machine is realized with excellent reliability and operating efficiency.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to an automatic teller machine used in financial institutions such as banks, and in particular, a system in which banknotes inserted by a customer into a banknote input/receipt unit are counted and processed in a validation unit. The present invention relates to an automatic teller machine that has a deposit transaction function for discriminating and depositing money, and a withdrawal transaction function for discharging stored banknotes and withdrawing money according to the amount specified by a customer.

[Conventional technology]

2. Description of the Related Art Automated teller machines used in financial institutions are widely used because they enable various transactions to be performed by customers themselves.

FIG. 4 is a perspective view showing the appearance of a conventional automatic teller machine of this type.

In the figure, 1 is a housing of the device, and the following components are provided in the customer service section at the upper front of the housing.

2 is a passbook insertion/return slot for inserting and returning a deposit passbook. A passbook entry machine is installed behind it, and passbooks issued by financial institutions to customers are passed through this passbook insertion/return slot 2 during transactions. When the passbook is inserted, the details of the transaction are recorded in the passbook, and when the transaction is completed, the passbook is returned to the customer through the passbook insertion/return port 2.

3 is a card insertion/return slot; a card reader/writer is provided at the back of the card insertion/return slot 3; when a card issued to a customer by a financial institution is inserted through the card insertion/return slot 3, the card is inserted into the card slot/return slot 3; The data written on the card can be read using a card reader/writer.

Reference numeral 4 denotes an interphone, which is used when a staff call button 5 provided below is pressed to have a conversation such as consultation with the staff.

Reference numeral 6 indicates the handled subjects, and the handled subject contents specified in the handled subject display section 6, such as "withdrawal", "passbook entry", "deposit", etc., are displayed.

Reference numeral 7 denotes a status display section that displays the status of the device, ie, the status of handling or discontinuation of use.

Reference numeral 8 denotes an operation guidance display section using a CRT display, which sequentially displays operation procedures, and the customer can operate each key described below in accordance with the procedure displayed on this operation guidance display section 8.

9 is a transaction selection key. This transaction selection key 9 allows you to specify a deposit transaction such as a deposit or a payment transaction.
0 is a numeric keypad, and this numeric keypad 10 is used to input a password and payment amount.

Reference numeral 11 indicates a confirmation key that is pressed when the user agrees to continue the transaction without canceling the deposit transaction, such as a deposit transaction, and 12 is a cancellation key that is pressed when the transaction is canceled. Both keys 1
1.12 is used as an instruction means by which the customer instructs approval or disapproval of transaction execution.

Reference numeral 13 denotes a deposit/withdrawal port corresponding to the cash deposit/withdrawal mechanism built into the housing 1, which is a part for the customer to insert deposited banknotes and receive paid banknotes, as well as a return port for returning deposited banknotes. It also functions as a receipt issuing port.

In this configuration, deposit transactions and withdrawal transactions are performed as follows.

First, the customer presses the transaction selection key 9 to specify the type of transaction, then inserts the card into the card insertion/return slot 3, and then presses the numeric keypad 10 to enter the recitation number. Correspondence will be checked.

However, this check is not necessarily necessary if the transaction is a deposit.

Here, in the case of a deposit transaction, the shutter of the deposit/withdrawal port 13 opens, and when the customer inserts banknotes from the deposit/withdrawal port 13 into the cash deposit/withdrawal mechanism in the housing 1, the shutter closes.
Then, the inserted banknotes are sent one by one to a later-described discrimination section, where the authenticity, denomination, and counting are performed.

As a result, the banknotes that are identified as unreadable or counterfeit are returned to the deposit/withdrawal port 13 as returned banknotes, the shutter is opened again, and the banknotes are returned to the customer.

On the other hand, the banknotes that are identified as genuine banknotes are considered to be depositable banknotes, and the amount and quantity of each denomination are displayed on the operation guidance display section 8.

When the customer confirms the display and presses the confirmation key 11, the transaction is completed and the deposit process for the depositable banknotes is performed.

After the payment process is completed, the card is inserted into the card insertion return slot 3.
If the passbook has been inserted into the passbook insertion/return slot 2 in advance, the passbook that has been recorded by the passbook entry machine will be returned from the passbook insertion/return slot 2, and then the shutter of the deposit/withdrawal slot 13 will be returned. opens and a receipt is released.

On the other hand, if the customer presses the cancel key 12 after seeing the above display, the transaction will be unsuccessful, and after the banknotes that can be deposited are returned to the deposit/withdrawal slot 13, the shutter will be opened and the banknotes will be returned to the customer, and the card will be returned to the customer. , the passbook will be returned.

Next, in the case of a withdrawal transaction, when the customer presses the numeric keypad 10 to input the requested payment amount and denomination, the details are displayed on the operation guidance display section 8.

If the customer sees the displayed content and determines that it is correct, press the confirmation key 1.
When 1 is pressed, the transaction is completed, and the banknotes are dispensed from the safe of the cash deposit/withdrawal mechanism, passed through the verification section, and sent to the deposit/withdrawal port 13 together with a receipt sheet.

Then, the shutter of the deposit/withdrawal port 13 is opened, the banknotes are paid to the customer together with the receipt, and the card and passbook are returned.

FIG. 5 is a schematic side view of the cash deposit/withdrawal mechanism used in the automatic transaction device of FIG. 4.

In the figure, reference numeral 14 denotes a bill insertion/receiving section for a customer to insert or receive bills, and is located inside the shutter of the deposit/withdrawal port 13.

Reference numeral 15 denotes a separating and feeding section provided directly below the banknote input/reception section 14, which has a suction drum 16, and separates the banknotes received from the banknote input/reception section 14 one by one by suction. It is designed to be delivered by hand.

Reference numeral 17 includes an optical sensor, a magnetic sensor, a discrimination circuit, etc. (not shown), and is used to discriminate the authenticity of the bills conveyed from the separating and feeding section 15, to discriminate unfit bills, and to discriminate the denominations of deposited and withdrawn bills. 18 and 19 are impellers, 20 is a genuine bill-time storage section provided above one impeller 18, and 21 is a counterfeit bill-time storage section provided above the other impeller 19; These are provided on the upper side of the casing 1, and the banknotes that are discriminated as genuine by the discrimination section 17 are accumulated in the genuine bill-time storage section 20 by the impeller 18, and are also distinguished from counterfeit bills. The counterfeit banknotes are accumulated in a counterfeit banknote storage section 21 by an impeller 19.

22 is a thousand-note safe for storing thousand-yen banknotes; 23 is a ten-thousand-note safe for storing ten-thousand-yen banknotes; 24 is an unfit note safe for storing deposited banknotes that have been discriminated as unfit notes by the discrimination section 17; and 25 is a withdrawal bank. These banknotes are arranged side by side at the lower part of the housing 1 in the eject safe for storing banknotes that are determined to be defective due to denomination discrimination by the discrimination section 17 or detection of two bills by a sensor (not shown). 26.27.28.29 are each safe 22.2
3.24. Impellers arranged on 25, respectively, and these impellers 26 to 29 move the banknotes to the safes 22 to 25.
It is designed to be collected and stored in

Reference numeral 30 denotes a suction drum that sucks and separates banknotes one by one from the 1,000-note safe 22 and feeds them; this suction drum 30 is provided in combination with an impeller 26; This suction drum 31 is provided in combination with an impeller 27.

32a to 32e are high-speed conveyance paths, and 33 is a low-speed conveyance path, each of which is composed of a conveyance roller or a conveyance belt for conveying banknotes, a switching blade for switching the conveyance direction, etc., and these conveyance paths 32a to 32e and 33 The above-mentioned components are connected by.

That is, the separation feeding section 15 and the discrimination section 17 are connected to the high-speed conveyance path 3.
2a, and a high-speed conveyance path 32a from this discrimination section 17.
The high-speed conveyance path 32b from this discrimination section 17 branches into high-speed conveyance paths 32c and 32d that reach impellers 18 and 19.

This high-speed conveyance path 32d continues to a high-speed conveyance path 32e connected to the impellers 26 to 29 and the suction drum 30.31, and this high-speed conveyance path 32e further merges with 32a, and the -hour storage section 20.21 is connected to the high-speed conveyance path 32e. It is connected to the banknote input/reception section 14 by a low-speed conveyance path 33 .

34 is a motor that drives the high-speed conveyance paths 32a to 32e.

Next, the bill processing operation of the cash depositing and dispensing mechanism configured as described above will be explained.

First, at the time of deposit transaction, as mentioned above, the deposit/withdrawal port 13
When the banknotes are inputted in bulk, the banknotes are taken into the banknote input/reception section 14 and sent to the separation/feed section 15, and at the same time, the motor 34 drives the high-speed conveyance paths 32a to 32e.

The banknotes sent to the separating and feeding section 15 are separated and fed one by one to the high-speed conveyance path 32a by the suction drum 16 and conveyed to the discrimination section 17, where they are subjected to authenticity discrimination, denomination discrimination, and authenticity. Banknotes are counted, etc.

Here, the banknotes that have been identified as genuine banknotes are transferred to the high-speed conveyance path 32b,
32e, the impeller 18 sequentially collects genuine notes in the storage unit 20, and banknotes that are identified as counterfeit or unreadable pass through high-speed conveyance paths 32b and 32c, and are collected by the impeller 19 as counterfeit notes.
They are sequentially accumulated in the time storage section 21.

In this way, when all the inserted banknotes are accumulated in the counterfeit money storage section 20.21, the low-speed conveyance path 33 is driven by a motor (not shown), and the banknotes in the counterfeit money storage section 21 are collected at once. The banknotes are sent to the banknote input/receipt section 14 and transferred to the deposit/withdrawal port 1.
It will be returned from 3.

Thereafter, the banknotes in the genuine bill/hour storage section 20 are sent in a batch to the bill input/reception section 14 via the counterfeit bill/hour storage section 21 by the low-speed conveyance path 33 .

At this time, if the transaction is unsuccessful, the banknotes are returned from the deposit/withdrawal slot 13 in the same way as the counterfeit banknotes described above, but if the transaction is successful, they are sent to the separating and feeding section 15 again and are sent to the suction drum. 16, the sheets are separated and fed one by one to the high-speed conveyance path 32a.
and transported to the discrimination section 17.

20 The leakage unit 17 performs banknote denomination discrimination, damaged note discrimination, etc., and then the banknotes are transferred to high-speed conveyance paths 32b and 32d.
According to the above-mentioned discrimination results, the impellers 26 to 2 are sorted to the thousand coupon safe 22 and ten thousand coupon safe 2 on the high-speed conveyance path 32e.
3, and the unfit note safe 24, respectively.

On the other hand, during a withdrawal transaction, bills of the denomination and number specified by the customer are sequentially fed out one by one by the suction drums 30 and 31 from the thousand-note safe 22 and the million-note safe 23, and pass through high-speed conveyance paths 32e and 32a. and transported to the discrimination section 17.

Then, this discrimination section 17 discriminates the denomination of the banknotes and detects double feeding, skewed feeding, etc., and as a result, banknotes that are judged to have abnormalities such as double feeding are transferred to high-speed conveyance paths 32b and 32d by impellers. 29 and stored in the reject safe 25.

In addition, after the banknotes that are identified as having no abnormality are counted,
The impeller 18 passes through the high-speed conveyance paths 32b and 32c, and the impeller 18 accumulates genuine bills in the time storage section 20, and after the designated denomination and number of bills have been collected, they are collectively stored in the counterfeit time storage section through the low-speed conveyance path 3-3. The banknotes are sent to the banknote input/reception unit 14 through the banknote deposit/withdrawal port 13
paid from.

[Problems to be Solved by the Invention] However, according to the prior art having the above-mentioned configuration, since the banknote input/reception unit is of a bulk input type, foreign objects other than banknotes may be thrown into the banknote input/reception unit due to a major mistake. In other words, if the customer does not realize that a foreign object such as a coin is mixed in between the deposited banknotes and inserts the banknotes directly into the banknote input/receiving section, or the customer mistakenly inserts the banknotes into the banknote input slot and inserts the banknotes into the slot by mistake. If coins are inserted into the receiving section, this foreign material may cause a jam in the separating and feeding section when bills are separated and fed out.
This not only makes it impossible to take in banknotes and stops the automatic banknote deposit/dispensing machine, but also causes problems such as damage to the banknote separation and feeding means.

In addition, in order to remove the foreign matter that has accumulated, it is necessary to stop the machine, remove the cover etc. of the machine body, and remove it while searching for the place where the foreign matter has accumulated. There has been a problem in that the equipment is not operating for a long time, reducing operating efficiency and disrupting the operations of financial institutions.

Furthermore, there is a problem in that the device needs to have a disassembly structure suitable for removing foreign matter, which imposes restrictions on the configuration of the device.

In addition, even if a foreign object is taken into the deposit box without causing any problems, we will take measures to avoid clogging during subsequent withdrawal operations, or to respond to the customer's request for the foreign object to be returned. It is necessary to temporarily stop the system and take it out, which poses a problem of reducing operational efficiency.

In view of the above-mentioned problems, the present invention solves the problem that the banknote input/reception section indiscriminately sends input objects into the device, and provides a configuration in which the banknote input/reception section removes foreign objects. The purpose of this invention is to prevent the occurrence of transportation failures within the machine, eliminate the need to disassemble the machine to investigate foreign objects, and realize an automatic cash transaction machine that is both reliable and operationally efficient.

[Means for Solving the Problems] In order to achieve the above object, the present invention includes a deposit transaction function in which banknotes inserted by a customer into a banknote input/reception unit are counted and discriminated by a validation unit and then deposited; In an automatic teller machine having a withdrawal transaction function for discharging stored banknotes and withdrawing money according to an amount specified by a customer, a detection means for detecting a foreign object is provided in the banknote input/receiving section, and On the other hand, a notification means is provided to visually or audibly prompt the removal of foreign matter from the banknote input/reception section, and when the detection means detects a foreign object, the operation of the banknote input/reception section is stopped, and the notification means is activated so that the customer It is characterized by promoting the removal of foreign substances.

[For production]

According to the above configuration, if a customer accidentally inserts a metal foreign object such as a coin into the bill insertion/reception section, this is detected by the detection means in the bill insertion/reception section, and when metal is detected, the bill insertion/reception section operates. At the same time, the notification means can be activated to visually or audibly prompt the customer to remove the foreign object.

If a bill is inserted without any foreign matter mixed in, or if a foreign matter is removed after the above operation, the inserted bill is fed into the device from the bill input/reception section, counted and discriminated, and then normal deposit transaction operation is performed. It can be performed.

〔Example〕

An embodiment of the present invention will be described below with reference to the drawings.

The structure of the main body of the device inside and outside the bill input/receiving section is the same as that of the device described above with reference to FIGS. 4 and 5, so the description will be omitted and the reference numerals will be used as they are.

FIG. 1 is a cross-sectional view of a main part of the banknote input/receiving section, and FIG. 2 is a perspective view of the same.

In FIG. 1, 35 is a shutter that opens and closes during transactions;
6 is a banknote input/receiver section provided inside the deposit/withdrawal port 13; 37;
Reference numeral 38 indicates a foreign object storage section arranged in a pocket-like manner on the front surface of the bill input/receiving section 36 , and 38 indicates a bill guide that guides the insertion position of the bill.
It is inclined toward the foreign matter storage section 37 so that the foreign matter therein will roll down to the foreign matter storage section 37 under its own weight.

The banknote input/reception unit 36 includes a pair of light emitting/light receiving sensors 39, 40, 41, 42 for detecting the presence or absence of banknotes, and a pair of light emitting/light receiving sensors 39, 40, 41, 42 for detecting the presence or absence of banknotes, and a pair of sensors 39, 40, 41, and 42 for detecting the presence or absence of banknotes. , rollers 43 and 44 for conveying banknotes all at once, a banknote stopper 45 for preventing banknotes and foreign objects from entering the banknote input/receiving section 36 beyond a predetermined position when the customer inserts or receives banknotes, and a banknote stopper 45 for transporting banknotes in bulk. It consists of a pair of oscillating magnetic field sensors 46a and 46b that detect foreign objects such as coins that have entered the banknote input/receiving section 36.

As shown in FIG. 2, they are arranged so as to cover the entire longitudinal direction of the banknote.

FIG. 3 is a block diagram showing the control configuration of this embodiment.

In the figure, 47 is a cash deposit/dispensing machine, 48 is a foreign matter insertion detection section that detects when a metallic foreign object other than banknotes, such as a coin, is inserted into the cash deposit/dispensing machine 47, and 49 is a part for connecting the foreign matter insertion detection section. A cash depositing and dispensing machine control section 50 is a main control section that connects and controls the cash depositing and dispensing machine 47 as well as various devices described later. The main control unit 50 is notified via the cash deposit/dispensing machine control unit 49 that the insertion of a foreign object has been detected.

Reference numeral 51 denotes an operation guidance display control section that is connected to the main control section 50 and performs a display to guide customer operations. It is used as a notification means to encourage the removal of foreign matter from the input receiving section.

The main control unit 50 instructs the cash deposit/disbursement machine control unit 49 to return the inserted banknotes for the deposit transaction, and also causes the operation guidance display control unit 51 to receive the banknotes from the cash deposit/disbursement machine slot and mix them into the deposited banknotes. A display will be displayed to guide the customer to remove foreign objects such as coins and reinsert the coins.

The cash depositing and dispensing machine control unit 49 restarts the transaction operation upon detecting that the returned bill has been removed and then inserted again by the customer.

52 is an operation control unit connected to the main control unit 50 and performs various inputs in transactions; 53 is a card reader/writer control unit connected to the main control unit 50 and reads a card to confirm the customer's identity; 54 is a control unit This is a passbook entry control unit that is connected to the main control unit 50 and records transaction details in a passbook.

The operation of this embodiment having the above configuration will be described below.

First, when the customer selects a deposit transaction using the transaction selection key 9, the shutter 35 of the deposit/withdrawal port 13 is opened by a motor (not shown), and the system waits for the customer to insert banknotes.

Next, the customer inserts the bill P into the cash deposit/dispensing machine 47 in the housing 1 from the deposit/withdrawal port 13, and when the bill P is inserted up to the light emitting/light receiving sensor pair 40, the roller 43 moves along the chain double-dashed line in FIG. move to the position and clamp the banknote P. At this time, since the banknote guide 3 is tilted as described above, foreign objects located relatively near the bank fall into the foreign object storage section 37 due to their own weight and are stored therein.

After the bill stopper 45 is moved to the position indicated by the two-dot chain line in FIG. 1, the roller 43 rotates in the direction of the arrow in FIG. When the leading edge of the banknote P, that is, the left end of the banknote P, is detected by the light emitting/light receiving sensor pair 41, the roller 44 moves to the position indicated by the two-dot chain line in FIG. 1, clamps the banknote P, and continues transporting the banknote P.

While the banknote P is being conveyed by the rollers 43 and 44,
That is, the presence or absence of a metallic foreign object such as a coin that is caught between the banknotes P while passing between the pair of oscillating magnetic field sensors 46a and 46b is checked.

The rollers 43 and 44 stop immediately after the rear end of the banknote P, that is, the right end of the banknote P passes the light emitting/light receiving sensor 39.

Here, if the oscillating magnetic field sensor pair 46a, 46b does not detect any foreign matter in the bill insertion/receiving section 36, the main control section 5
0, it is determined that there is no foreign object, the shutter 35 is closed, the banknotes P are dropped into the separating and feeding section 15, and the bills P are suctioned and separated one by one by the suction drum 16 and sent to the discrimination section 17. From then on, the deposit is performed in the conventional technique. Execute the deposit process by performing the same operation as the transaction operation.

On the other hand, if the oscillating magnetic field sensor pair 46a, 46b detects a foreign object in the bill insertion/receiving section 36, the main control section 50 determines that there is a foreign object, performs a return process for the bill P, and operates the operation guidance display control section 51. Activate the operation guidance display section 8 in Fig. 4.
A display is displayed to guide the customer to receive the returned banknotes P and to remove foreign matter mixed in the banknotes, and requests the customer to re-insert the deposited banknotes.

In this embodiment, a recycle-type paper money dispensing machine is shown, but the present invention is not limited to this, and can be applied to a bill depositing machine alone.

〔Effect of the invention〕

According to the present invention described in detail above, there is a deposit transaction function in which the banknotes that the customer inserts into the banknote input/reception unit are counted and discriminated by the validation unit, and the banknotes are deposited, and the banknotes are stored in accordance with the amount instructed by the customer. In an automatic teller machine having a withdrawal transaction function for ejecting and withdrawing money, a detection means for detecting metal is provided in the bill insertion receiving section, and the bill insertion receiving section is visually or audibly provided to the customer. If the detection means detects metal, the operation of the banknote input/receiving section is stopped and the notification means is activated to urge the customer to remove the foreign matter, so that the metal is not taken into the device. This will enable the customer to detect foreign objects in advance and have them retrieved by the customer himself/herself.

This makes it possible to prevent conveyance failure within the device due to foreign object intrusion, and also eliminates the need to investigate foreign objects by disassembling the device, improving reliability and reliability.
This makes it possible to realize an automated teller machine with excellent operational efficiency.

[Brief explanation of the drawing]

Fig. 1 is a side view of the main parts of this embodiment, Fig. 2 is a transparent perspective view of the main parts of the same embodiment, Fig. 3 is a block diagram, Fig. 4 is a perspective view showing the external appearance of the conventional example, and Fig. 5 is a schematic side view of the conventional example. 36...Banknote input/reception section 37...Foreign object storage section 38
...Banknote guide 39, 40, 41.42...Emission/light reception sensor pair 43.44...Rollers 46a, 46
b...Oscillating magnetic field sensor pair 47...Cash deposit/withdrawal machine 4
8...Foreign object insertion detection unit 50...Main control unit 51...
・Operation guidance display section Obe patent Applicant: Oki Electric Industry Co., Ltd. Representative Patent attorney Takashi Kanakura Transparent diagram of the main parts of the embodiment 2 Perspective diagram showing the external appearance of the conventional power supply 4 B

Claims (1)

[Scope of Patent Claims] 1. A deposit transaction function in which the banknotes that the customer inserts into the banknote input/receiver unit are counted and differentiated by the validation unit and deposited, and the stored banknotes are discharged according to the amount instructed by the customer. In an automatic teller machine having a withdrawal transaction function for withdrawing money, the banknote inputting and receiving section is provided with a detection means for detecting a foreign object, and the banknote inputting and receiving section is provided with a detection means for detecting a foreign object, and the banknote inputting and receiving section is visually or audibly detected by the customer. The cash automatic machine is provided with a notification means for prompting a customer to remove a foreign object, and when the detection means detects a foreign object, the operation of the bill insertion/receiving section is stopped and the notification means is activated to urge a customer to remove the foreign object. Trading device.