JPH02259896A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To improve working efficiency and to automatically recover operation when a fault such as the jumming of cash, etc., is generated by providing function to execute the drive control of a conveying part at an optimum speed in correspondence to a setting condition and a working state and function to drive the conveying part in a reverse direction. CONSTITUTION:In a conveying path control part 3 of a paper money incoming and outgoing mechanism control part 2, a program and a memory to set an optimum processing speed corresponding to the respective conditions such as transaction processing, setting form, day of the week, date and automatic recov ery, etc., are provided. When a customer inputs the contents of transaction, the conveying path control part 3 selects a convey processing speed so that the working rate of an automatic teller machine (ATM) can be made most efficient. When the conveying jum fault is generated, the conveying part is driven in the reverse direction and the paper money jammed into a conveying path is conveyed in the reverse direction and released. Especially, when cash is outgoing, the paper money is discharged to a reject box and the ATM is automatically recovered. Thus, the working efficiency is improved and service to the customer can be improved.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention uses a specific card, banknote, or coin to
The present invention relates to an automatic cash transaction device (hereinafter abbreviated as ATM) that allows users to directly conduct transactions and is equipped with a mechanism that adjusts processing speed and processing method according to installation status and operating status.

[Conventional technology]

Currently, ATM usage is expected to increase as financial institutions adopt a two-day-a-week system. To deal with this, AT
It is becoming increasingly necessary to improve services to customers by increasing ATM processing speed and reducing ATM failures so that equipment does not go down, and by increasing ATM operating efficiency.

In conventional ATMs, the processing speed of the cash deposit/withdrawal mechanism, which is the main part of the ATM, has been increased in order to reduce customer waiting time and improve customer service. Also, JP-A-63-146
As described in Publication No. 194, by installing a customer number detection device to detect the transaction frequency and switching the ATM processing speed to two levels depending on the transaction frequency, the ATM processing speed can be increased. Reduce the occurrence of cash transportation failures and improve ATM
There are things that improve the operating efficiency of In other words, as shown in FIG. 4, the customer detection sensors 27 to 31 detect the number of customers, and when there are many customers, cash is transported at high speed to reduce customer waiting time and vice versa. Furthermore, when the number of customers is small, cash is transported at a low speed to avoid the ATM 32 from stopping due to cash jams, thereby improving the operating efficiency of the ATM 32.

[Problem to be solved by the invention]

In conventional methods for increasing the operating efficiency of ATMs, ATMs that perform high-speed processing at a constant processing speed are prone to skewing of cash due to repeated separation, accumulation, and transportation of cash such as banknotes and coins. Due to the skew, the frequency of occurrence of conveyance failures increases, which in turn increases the recovery work time for the failures, that is, the time when the equipment is stopped, and the operating efficiency of the ATM decreases. .

In addition, ATMs equipped with a mechanism that switches the processing speed between two stages depending on the transaction frequency have the effect of reducing the frequency of transportation failures when transactions are infrequent and low-speed processing is performed; , when performing high-speed processing, there is no effect of reducing the frequency of occurrence of transportation failures. In other words, as many customers use ATMs, they become extremely crowded.
There is a problem in that it is not effective when the frequency of transactions is high, which would be the worst problem if transportation problems occur.

Furthermore, in conventional ATMs, the conveyance direction is fixed, so if a problem such as a cash jam occurs in the conveyance section,
Automatic recovery from failure is difficult. Therefore, during failure recovery work, there is a problem that the ATM is stopped for a long time and the operating efficiency is reduced.

The purpose of the present invention is to solve the problems of the difficult prior art and to
In order to increase the operating efficiency of M and improve the service to customers, we will transport cash within the ATM at an optimal speed depending on the installation status and operating status of the ATM, and An object of the present invention is to provide an automatic cash transaction device that can automatically recover when a failure such as a jam occurs.

[Means to solve the problem]

In order to achieve the above object, the automatic cash transaction device of the present invention uses specific cards, banknotes, and coins.
A transport means for transporting coins, a motor that drives the transport means,
An automatic cash transaction device that is equipped with a gate means for switching the destination of banknotes and coins and allows users to conduct transactions directly at an ATM.
Depending on the installation and operating conditions of the machine, the optimum speed for transporting banknotes and coins and forward/reverse transport direction are selected from the settings of the pre-installed program, and the switching timing of the gate means is changed and the motor speed is changed. The present invention is characterized by having a conveyance path control means for controlling the speed and rotation direction, and a deposit/withdrawal mechanism control means that incorporates the conveyance path control means and controls the entire deposit/withdrawal mechanism of the ATM.

[Effect]

In the present invention, the transport path control section selects the optimal transport processing speed according to various conditions such as transaction processing content, installation form, day of the week, date, automatic recovery, etc., and drives the transport section at the optimal speed. By providing a control function and a function to drive the transport unit in the opposite direction, quickly clear transport jams, and automatically restore the ATM, we can increase the operating rate of the ATM and improve service to users. enable improvement.

〔Example〕

Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a functional block diagram of an ATM to which the present invention is applied.

The main body control unit 1 includes a bill depositing and dispensing mechanism control unit 2, and an AT
It centralizes and controls the entire M.

The conveyance path control section 3 in the banknote deposit/withdrawal mechanism control section 2 includes:
A program that sets the optimal processing speed for each condition, such as transaction processing, installation format, day of the week, automatic recovery, etc.
and memory are provided.

FIG. 2 is a flowchart showing one example of the speed selection operation of the conveyance path control section 3 in FIG. 1.

When the customer inputs the transaction details, the conveyance path control unit 3 considers the balance between the jam rate and transaction frequency based on the combination of the transaction details, installation form, day of the week, and date, and selects the most AT.
Select the conveyance processing speed that improves the operation rate of M, and
A rotation control signal is output to 9.

For example, ATMs installed in stores are normally used during opening hours on weekdays, and this is based on the assumption that ``we can always quickly respond to ATM troubles.'' For example, an ATM installed inside a store is selected to have a faster transport processing speed than an ATM installed outside the store (step 01).

In addition, if a serious problem occurs during holidays, such as an ATM stopping due to a transport jam, there is a risk that ``the staff will not be able to respond quickly'' during weekdays. In order to avoid conveyance jam troubles as much as possible, the conveyance processing speed during holidays is selected to be slower than the conveyance processing speed during weekdays (step 102).

On the other hand, on the day immediately after payday, the number of rATM users increases.
Based on the prediction that the transaction frequency will increase, the transport processing speed is selected to be high in order to shorten the processing time and prevent customer congestion (step 103).

Furthermore, in ATMs used for bank transactions, banknotes inserted into the ATM during deposit transactions are transferred to the ATM during withdrawal transactions.
Since the banknotes are generally in poorer condition than the banknotes withdrawn from M, based on the prediction that ``transfer jam failures are unlikely to occur,'' it is possible to prevent ATM operation stoppages due to conveyance jam failures. In order to
The transport processing speed is selected to be slower than the transport processing speed at the time of withdrawal transaction (step 104).

Furthermore, the conveyance path control unit 3 has a function of changing the switching timing of the gate according to the selected conveyance processing speed, and the gate section is also driven at the optimum timing for the conveyance processing speed, so that the banknotes to be traded, Coins are sent to the correct location.

Further, in the event that a conveyance jam failure occurs during unmanned operation on holidays, the conveyance path control section 3 applies a drive control signal in the reverse rotation direction to the motor 19 to drive the conveyance section in the reverse direction. The conveyance unit driven in the opposite direction releases the banknotes that have entered the conveyance path by conveying them in the reverse direction. Especially when withdrawing money, the conveyance unit releases the banknotes into the reject box 15 and closes the ATM. Automatically recover.

In this way, the conveyance path control unit 3 controls the transaction banknotes and coins to be conveyed in an optimal state corresponding to each condition.

FIG. 3 is a schematic side view showing the cash depositing and dispensing mechanism of the ATM in FIG. 1.

Banknote receiving slot 4 for customers to insert and receive banknotes
The banknotes separated one by one from the banknote receiving and dispensing slot 4 are conveyed to each mechanism in the ATM, and a conveyance path 5 equipped with sensors at each important point to detect abnormalities in the conveyance of the banknotes, A banknote discrimination section 6 that performs authenticity discrimination, fitness discrimination, and denomination discrimination of deposited and withdrawn banknotes; impellers 7 and 8 that accumulate banknotes; and a counterfeit and withdrawal unit that stores counterfeit bills and banknotes for withdrawal. Storage section 9, counterfeit bill/withdrawal - Separation push plate 10 (10a) that rotates and pushes out the banknotes accumulated in the storage section 9 to the banknote receiving and dispensing slot 4.

10b), a genuine banknote storage unit 11 that stores banknotes that have been discriminated as genuine by the banknote identification unit 6, and a front-back reversing unit that switches back and reverses the banknotes that have been sent with the front and back sides reversed. A 1,000 yen box 13 for storing 1,000 yen bills, a 10,000 yen box 14 for storing 10,000 yen banknotes, deposited banknotes that are classified as unfit bills by the banknote discrimination section 6, and determined to be defective by denomination discrimination, number detection, etc. at the time of withdrawal. Eject box 1 for storing banknotes
5. A banknote cassette 16 that loads or collects banknotes into the 1,000-yen box 13 and the 10,000-yen box 14, is loaded when the ATM is started up and is collected when the ATM is finished, and an impeller 17 that feeds the 1,000-yen banknote into the 1,000-yen box 13. It is composed of an impeller 18 that feeds ten thousand yen bills into the ten thousand yen box 14, a motor 19 that drives the rollers and belts of the conveyance path 5, and a bill deposit and withdrawal mechanism control section 2 that controls the operation of the bill deposit and withdrawal mechanism.

FIG. 4 is a perspective view showing the appearance of the ATM in FIG. 1.

The external appearance of the ATM main body 21 includes a passbook insertion/return port 22 for the passbook recording mechanism that inserts and returns a savings passbook, a card insertion/return/statement release port 23 for the card reader, writer, and statement printing mechanism, and a sequential operating procedure for customers. a CRT display 24 for displaying information, a touch panel 25 for customers to input operation instructions for depositing and withdrawing money, a bill receiving shutter 20 covering the bill receiving opening 4 for customers to receive and pay bills, and a coin receiving opening for customers to receive and pay coins. It is composed of a coin receiving and paying shutter 26.

The bill processing operation of the bill depositing and dispensing mechanism configured as described above will be described below.

First, during a deposit transaction, when a customer inputs a deposit operation instruction on the touch panel 25, a command instruction for deposit transaction processing is transmitted from the main body control section 1 to the banknote deposit/withdrawal mechanism control section 2. The conveyance path control unit 3 recognizes, via the banknote deposit/withdrawal mechanism control unit 2, that the transaction content is a deposit process, and also recognizes the preset ATM installation type (for example, inside a store) and the day of the week and date ( For example, the optimum processing speed of the conveyance path is selected in combination with other conditions, such as Saturday (30th), etc., using memory and a program.

For example, assuming that the inserted banknotes during deposit transactions are generally inferior to the withdrawn banknotes, set the processing speed lower than the withdrawal transaction processing speed, and set the processing speed during holidays to be lower than the processing speed during weekdays. Assuming that we cannot hope for a quick response from staff like this,
Set the processing speed to be slower than the processing speed on weekdays.

When the banknote receiving and discharging shutter 20 is opened and banknotes are thrown into the banknote receiving and discharging port 4 all at once, the banknotes are sent one by one through the conveyance path 5 to the banknote discrimination section 6, where the authenticity and denomination of the banknotes are determined and the denomination is performed. Verification, front/back discrimination, and counting of genuine banknotes are performed.

Here, the banknotes that are discriminated as genuine banknotes are switched back and reversed in a front-back reversing unit 12, and are sequentially accumulated in a genuine banknote storage unit 11 by an impeller 8. Further, banknotes that are identified as counterfeit or unreadable are sequentially accumulated in a counterfeit/withdrawal storage section 9 by an impeller 7.

In this way, when all the inserted banknotes are accumulated in the counterfeit/withdrawal time storage unit 9 and the genuine banknote/time storage unit 11, the separating push plate 10 rotates 10a, 10b and pushes out the banknotes. The banknotes in the counterfeit/withdrawal storage section 9 are collectively sent to the banknote receiving and dispensing port 4, the banknote receiving and dispensing shutter 20 is opened, and the banknotes are returned to the customer.

If the customer checks the status of the transaction at this point on the CRT display 4 and inputs the cancellation of the deposit transaction on the touch panel 5, the transaction will be unsuccessful and the banknotes in the genuine bill-time storage section 11 will be transferred to the conveyance path 5. They are fed one by one to the counterfeit banknotes, and are returned to the customer via the counterfeit/withdrawal time storage section 9 in the same manner as counterfeit banknotes. Also, if the customer enters the conclusion of the transaction, the genuine certificate will be
The banknotes in the time storage section 11 are fed one by one to the conveyance path 5,
The banknotes are sent to the bill validating section 6. Then, in this banknote discrimination section 6, the denomination and fitness of the banknotes are discriminated, and then,
The banknotes will be placed in the 1,000 yen box 13 according to the verification results. They are stored in the 10,000 yen box 14 and the reject box 15, respectively.

Next, during a withdrawal transaction, the conveyance path control unit 3 selects the optimum processing speed of the ATM conveyance path in the same manner as during a deposit transaction. In other words, select a faster speed than when making a deposit transaction,
Also, on the day immediately after payday, the number of withdrawal processing requests increases.
Since congestion is expected, we will select a withdrawal processing speed that is higher than the normal withdrawal processing speed in order to shorten the processing time.

Bills of the denomination and number specified by the customer are sequentially fed out one by one from the 1,000 yen box 13 and the 10,000 yen box 14, and are sent to the bill validator 6 through the conveyance path 5. The banknote discrimination unit 6 discriminates the denomination of the banknotes and detects double feeding, skewed feeding, etc., and as a result, the banknotes that are judged to have abnormalities such as double feeding are transferred to the reject box 15 by the conveyance path 5. is stored in.

Further, after being counted, the banknotes determined to be normal are sequentially accumulated in the counterfeit banknote/withdrawal storage section 9 by the impeller 7 via the conveyance path 5. When the number of designated denominations is all in the counterfeit/withdrawal time storage section 9, the separating push plate 10 moves to 10a,
The rotation and pushing operation of 10b is started, and counterfeit notes/withdrawals are made.
The banknotes in the storage section 9 are collectively sent to the banknote receiving and discharging port 4.The banknote receiving and discharging shutter 20 opens and the banknotes sent to the banknote receiving and discharging port 4 are paid to the customer.

In addition, although the above-mentioned embodiment describes the deposit transaction and the withdrawal transaction, the optimum conveyance speed is selected by the memory and the program for other processes as well. In addition, even if a failure such as a jam occurs on the conveyance path, the conveyance path control unit 3 detects it using sensors installed at various points on the conveyance path 5, and controls the forward and reverse directions of the conveyance path and the conveyance speed. Automatic recovery processing is performed by selecting based on memory and program. Furthermore, the conveyance path control unit 3 controls the switching timing of the gate of the conveyance path according to the conveyance speed.
It is possible to correctly switch the destination of cash and at the same time prevent jams from occurring at the gate.

Moreover, although the above-mentioned embodiment describes the bill depositing and dispensing mechanism, the coin depositing and dispensing mechanism can also be controlled in the same manner. Further, although the motor is not particularly specified, a DC servo motor or an AC servo motor is suitable for the inside of the shell, but the invention is not limited to these.

〔Effect of the invention〕

According to the present invention, depending on the installation status and operating status of the ATM,
Transports cash within the ATM at optimal speed, and
In the unlikely event that a failure such as a cash jam occurs, the conveyance direction can be reversed and automatic recovery can be performed quickly, increasing the operating efficiency of the ATM and improving service to customers. Is possible.

[Brief explanation of drawings]

The drawings show embodiments of the present invention; FIG. 1 is a functional block diagram showing examples of ATMs implementing the present invention; FIG. 2 is a flowchart showing the speed selection operation of the conveyance path control unit 3 in FIG. 1; Figure 3 is a side view of an ATM to which the present invention is applied;
The figure is a perspective view showing the external appearance of an ATM according to the present invention, and FIG. 5 is a perspective view showing the conventional technology. 1: Main body control section, 2: Banknote deposit/withdrawal mechanism control section. 3: Conveyance path control unit, 4: Banknote receiving and discharging port, 5: Conveyance path. 6: Banknote Validation Department, 7: Impeller, 8: Impeller, 9: Counterfeit note・
Withdrawal-clock clasp part, 10: Separation push plate (10a, 10b), 11: Genuine note-clock clasp part, 12: Front and back reversal part,
13: 1,000 yen box, 14: 10,000 yen box. 15: Reject box, 16: Banknote cassette. 17: Impeller, 18: Impeller, 19: Motor, 20: Banknote receipt/disbursement shutter, 21: ATM body, 22: Passbook insertion/return slot, 23: Card insertion/return/statement slip release slot, 24
: CRT display, 25: touch panel, 26:
Coin receipt and payment shutter, 27-31: Customer detection sensor, 3
2: ATM. Figure Figure Figure Figure

Claims (1)

[Claims] 1. Using a specific card, banknotes, and coins, it is equipped with a conveyance means for conveying the banknotes and coins, a motor for driving the conveyance means, and a gate means for switching the conveyance destination of the banknotes and coins. Depending on the installation status and operating condition of the automatic cash transaction device,
Select the optimum speed for conveying the banknotes and coins and the forward/reverse direction of conveyance from the settings of a pre-installed program, and control the switching timing of the gate means and the speed and rotation direction of the motor. An automatic cash transaction device comprising: a conveyance path control means for controlling the automatic cash transaction device; and a deposit/withdrawal mechanism control means incorporating the conveyance path control means and controlling the entire deposit/withdrawal mechanism of the automatic cash transaction device.