JPH03268171A - Automatic cash transaction device - Google Patents

Abstract

PURPOSE:To enable a visual handicapped person or a wheelchair user to use an automatic cash transaction device by providing an I/O device with a voice guidance means, a panel guidance means, a transaction input means, and a transaction information reading/writing means for a transaction medium. CONSTITUTION:The I/O device 1 consists of a receiving means 2, a human body detecting sensor 3, an operation key 4, a transmitting means 5, a guidance panel 6, and transaction information reading/writing means 7, 8 and is connected to the body of the automatic cash transaction device 11 through a cable 9. The operation key 4 consists of ten keys for inputting numerals, a code key, 'ten-thousand', 'thousand' and 'hundred' keys indicating amount, a deposit key 401, a payment key 402, a balance check key 403, a check key 404, a cancel key 405, a start key 406, and so on. Dots 10 to be used by visually handicapped persons are formed on the surfaces of respective operation key 401 to 406. An arrow 801 for indicating the inserting direction of a transaction medium into the means 8 is also formed so as to be higher than its periphery.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automated teller machine used in financial institutions, etc., and particularly for visually impaired persons and wheelchair users.

The present invention relates to an automated teller machine suitable for transactions by users who are seated in a car.

[Conventional technology]

Conventional automated teller machines include, for example,
-As described in Publication No. 4280, there is a portable operation panel that integrates functions that can be operated by a user while seated in a car during transactions, and is detachable from the automatic teller machine itself. .

In addition, as described in Japanese Patent Application Laid-Open No. 1-180094,
Some models have guidance panels tilted toward the viewer for wheelchair users.

[Problem to be solved by the invention]

Although the above-mentioned conventional technology provides a certain level of convenience for transactions for wheelchair users and users seated in automobiles, there is a problem in that no consideration is given to visually impaired people.

An object of the present invention is to provide an automated teller machine that is easy to operate not only for wheelchair users and users seated in a car, but also for other users, especially visually impaired people.

[Means to solve the problem]

In order to achieve the above object, the present invention includes a transaction device main body that includes a panel guidance means, a voice guidance means, a transaction input means, a transaction information reading/writing means for a transaction medium in which transaction information is recorded, and a cash deposit/withdrawal port. The automated teller machine includes a panel guidance means, a voice guidance means, a transaction input means, and a means for reading and writing transaction information on a transaction medium integrally, and is removable from the transaction apparatus main body and connected to the transaction apparatus main body by a cable. The present invention proposes an automated teller machine equipped with an output device.

In order to achieve the object set forth in item 1, the present invention also provides a receiver device that is removable from the transaction device main body and includes voice guidance means and is connected to the transaction device main body by a cable, a panel guidance device, and a transaction input device. The present invention proposes an automated teller machine that is integrally equipped with a means for reading and writing transaction information for a transaction medium, and is provided with an operating device that is removable from the main body of the transaction device and is connected to the transaction device by a cable.

It is desirable that the cash deposit/withdrawal port be installed at the front end of the main body of the transaction device on the customer service side.

In either case, the input/output device, the receiver, or the operating device may be provided with a human body sensor that detects the proximity or contact of a human body.

Furthermore, it is also possible to provide a transmitting means in the input/output device, the receiving device, or the operating device.

In particular, a transaction medium for recording transaction information when a transaction is carried out by an automatic teller machine is provided with a geometric unevenness or a notch that indicates that the person is visually impaired.

In the automated cash transaction method using any of the above automated teller machines, a code indicating whether or not a person is visually impaired is recorded as one of the transaction information recorded on the transaction medium, and the transaction information reading/writing means If the user recognizes that he or she is visually impaired, the user may open the lid of the cash dispensing section based on the instruction when dispensing cash or returning cash.

[Effect]

In the present invention, (1) the input/output device that is removable from the automatic teller machine main body is equipped with a voice guidance means, a panel guidance means, a transaction input means, and a means for reading and writing transaction information on a transaction medium, so that it can be easily used for general use. Not only customers, but also visually impaired people,
Even a wheelchair user or a user seated in a car can easily operate an automated teller machine at hand based on voice guidance.

(2) You may use the input/output device by holding it up to your ear, or you may listen to the audio while operating it at hand, but if you use it while holding it up to your ear, other people may not know your balance amount, withdrawal amount, etc. You can operate the device with peace of mind without being disturbed by surrounding noise, protecting your privacy, and improving security.

(3) If the input/output device is separated into a receiving device such as headphones and an operating device such as an input means or an information reading/writing means, and the receiving device is always open for voice guidance, transaction operations can be performed at hand using the operating device. Transaction operations become easier even for visually impaired people.

(4) By providing a transaction medium with geometric unevenness or cutouts on which transaction information is recorded, even a visually impaired person can record the transaction information on the transaction medium. It is possible to know where the transaction medium is and the orientation of the transaction medium when inserting it into the transaction device, thereby preventing insertion in the opposite direction.

(5) If the input/output device is equipped with a human body sensor that detects the proximity or contact of a human body, and the timing is set so that the voice guidance starts when the approach of a person is detected, the voice guidance can be executed effectively.

(6) The input/output device is removable from the automated teller machine, and the cash deposit/withdrawal port is located at the front end of the automated teller machine on the customer service side. Transactions and cash deposit/withdrawal operations are facilitated from a low position, such as by a person or a user seated in a car.

(7) Even general users can operate it at hand;
There is no need to worry about your PIN number, withdrawal amount, etc. being seen by others, which protects your privacy, allows users to operate with peace of mind, and improves security. For general users who do not necessarily require a removable input/output means, conventional automatic cash transactions equipped with transaction input means, panel guidance means, voice guidance means, means for reading and writing transaction information on transaction media, etc. Since there is a main body of the device, operability is not compromised.

(8) As one of the transaction information recorded in the transaction medium, a code indicating whether the person is visually impaired or not is registered, and if the transaction information reading/writing means recognizes that the person is visually impaired, cash will be withdrawn. If the lid of the cash dispensing section is opened by the user based on a signal of the operation during the cash withdrawal operation or the cash return operation, it is possible to prevent someone else from taking out the cash from the withdrawal opening. This signal may be input from the transaction input means or from the transmitting means attached to the receiving means. Furthermore, this communication means can also be used as a means for communicating with the management center of the automated teller machine when the operation is unknown or when an accident occurs.

〔Example〕

FIG. 1 is a perspective view showing an input/output device of an embodiment of an automatic teller machine according to the present invention. The input/output devices] include a receiving means 2, a human body detection sensor 3, an operation key 4, a transmitting means 5, a guidance panel 6, and a transaction information reading/writing means 7.
, 8, and are connected to the main body of the automatic teller machine 1 shown in FIG. The operation keys 4 include a numeric keypad for inputting numbers, a symbol key, and 10,000 and 1,000 for indicating amounts.

It consists of a hundred key, a deposit key 4.01, a withdrawal key 402, a balance confirmation key 403, a confirmation key 404, a cancellation key 405, a start key 406, and the like. On the surface of each operation key,
Braille 10 is displayed for the visually impaired. Further, the arrow 801 indicating the direction of insertion of the transaction medium into the transaction information reading/writing means 8 is also formed higher than the surrounding area, so that it can be easily determined even by a visually impaired person.

FIG. 2 is a perspective view showing the automatic teller machine. The automated teller machine 11 includes a display section 12 for displaying whether the transaction is being processed or the type of transaction, etc., a card processing section 13, a passbook processing section 14, a guidance panel 15, a speaker 16, an operation key 17, and a cash counter. It consists of a metal part 18, a proximity sensor 19, a hook 20 for temporary storage, etc.

The input/output device 1- shown in FIG. 1 is normally placed next to the guidance panel 15, and is removed and used only by customers who need it.

FIG. 3 shows a cash card 21 which is a type of transaction medium. The cash card 21 has a magnetic stripe 22 and a transaction information reading means 8 or a card processing section 1.
An arrow 22 indicating the direction of insertion of the cash card 21 into the slot 3
0 and an embossed portion 23 are formed. Recorded in the period stripe 22 are a bank number, a bank account number, a balance, a code indicating whether the person is visually impaired, a personal identification number, and the like.

FIG. 4 shows an IC card 24 which is a type of transaction medium. The part 1 (which performs the same function as the cash card 2 in FIG. 3) is given the same symbol.

25 is a connector section, which serves as a connector when reading and writing transaction information. Here, the one with the magnetic wire is shown, but the following effects are the same even if there is no magnetic wire.

FIG. 5 shows a bankbook 26 which is another transaction medium. The bankbook 26 has a concavo-convex portion 27 such as a small hole that indicates the direction of the bankbook 26 or the location of the magnetic stripe 22 to a visually impaired person. The recorded contents of the magnetic stripe 22 are the same as those of the cash card 21 described above.

FIG. 6 shows another example of the bankbook 26.

In this case, a notch 28 is formed to indicate the direction of the bankbook 2G or the location of the magnetic stripe 22 to a visually impaired person.

FIG. 7 is a block diagram showing an example of the configuration of each unit in the input/output device 1 and the automatic teller machine 11. Inside the input/output device 1 is a voice guidance section 2 using a receiving means 2.
9, and an operation key part 3 that accepts operations from operation key 4.
0, a transmitting unit 31, and a panel guidance unit 32 formed by the guidance panel 6;
It consists of a transaction information reading/writing section 33 and the like. On the other hand, the inside of the automatic teller machine 11 includes a card processing section 34 and a passbook processing section 35.
, a journal section 36 for storing and outputting transaction records, a panel guidance section 37 using the guidance panel 15, an operation key section 38 using the operation keys "-7," and a cash processing section 39 communicating with the cash withdrawal section 18. An input/output device detection unit 4 that detects whether the input/output device 1 is placed in a predetermined position.
0, an attendant operation section 41, a power supply section 42, etc., all of which are connected to a main control section 43 within the automatic teller machine 11. These are connected by a communication line 44 to a central processing unit 45 and a data storage device 46 for storing transaction records.

FIG. 8 shows the magnetic stripe 2 of the cash card 21 by the transaction information reading/writing means 8 in the input/output device]-.
FIG. 9 is a diagram showing the read/write operation of transaction information in the IC card 24 by the connector section 25 of the IC card 24 in the input/output device 1, and FIG. , in the input/output device 1-, transaction information reading/writing means 8
2 is a diagram illustrating reading and writing operations of transaction information in the magnetic stripes 1 to 22 of the bankbook 26. FIG.

Next, the automatic cash transaction operation will be explained with reference to the above figures and the flowcharts of FIGS. 11 and 12.

First, in the case of a user who is not a visually impaired person, a wheelchair user, or a user seated in a car, that is, a general user, the transaction is conducted according to the procedure shown in Figure 11 without removing the input/output means 1. . When the proximity sensor 19 detects a customer, the transaction starts, and the transaction is selected using the guidance panel 15 and the operation key ]-7.

In the case of a deposit, the bankbook 26, which is a transaction medium, is accepted by the bankbook processing unit 14, the transaction is processed, and post-processing such as bankbook printing is performed, and the transaction is completed.

When checking the balance, use the cash card 21. which is the transaction medium.
IC card24. Alternatively, although not shown, a card such as an optical card or a passbook 26 is accepted, a balance confirmation process is executed, post-processing such as passbook printing is performed, and the transaction is completed.

In the above transactions, you can use a card instead of a passbook, vice versa, or both, and use the audio guidance and guidance panel provided by Spica 16 and the visual guidance provided by 5. Transaction processing methods, such as issuing a warning to prevent forgetting, are the same as normal ones.

When a visually impaired person, a wheelchair user, a user seated in a car, etc. makes a transaction, follow flowchart 1 in Figure 11.
-, when the input/output means detection section 4o determines that the input/output means is removed, the process moves to step 8 in FIG. 12 and subsequent processing is performed.

When the input/output means 1 is placed against the user's ear, the human body detection sensor 3 such as a temperature sensor detects this, and a voice guidance is issued from the receiver 2, e.g., ``Please press the transaction key. The guidance panel 6 is intended for users who are not visually impaired, and regardless of whether the input/output means 1 is placed against the user's ear or not, the guidance panel 6 first prompts the user to press the transaction key. ” to request a transaction selection, and then provides guidance that is almost the same as the audio guidance. If the key is not operated after waiting several seconds after the transaction request voice guidance, the voice guidance is repeated and the key operation is requested. The keys are also written in Braille, so even visually impaired people can operate the keys smoothly.

Proximity sensor]-9 detects the proximity of the user, and speaker 1
Even if the voice guidance in 6 and the visual guidance in the guidance panel 15 are repeated, for example, "Please press the transaction key," the user is inexperienced and the transaction key is not pressed at all. There is.

For example, "Please put the receiver to your ear.

” and voice guidance from speaker 16 and guide panel 1.
5 and requests removal of the input/output device 1-.

If the user chooses to make a deposit, the transaction information can be read by inserting the transaction medium, such as a passbook 26 or a card, into the transaction information reading/writing means 7 or 8 based on the guidance instructions. At this time, the visually impaired person should check the uneven portion 27 of the passbook 26. Since the orientation of the notch 28, the embossed part of the cash card 21, and the embossed part 23 of the IC card 24 can be clearly determined, there is no mistake in the orientation when inserting the card into the transaction information reading/writing means. Therefore, cash is accepted from the cash withdrawal section 16, and voice guidance is given on the result of counting the cash. Next, for example, the system will give voice guidance saying, ``If the amount is correct, please press the confirmation key, if it is incorrect, please press the cancel key.'' If the confirmation key is pressed, the necessary post-processing will be performed and the transaction operation will be completed. .

In the case of withdrawal, the user inserts the transaction medium such as a bankbook or card into the transaction information reading/writing means 7 or 8 based on the instructions given by the voice guidance. First, it is determined whether the person is visually impaired by reading the magnetic stripe 22 or reading information stored in the IC card.

If you are not visually impaired, enter your PIN number and turn out based on the voice guidance as in normal transactions] 6 Execute the withdrawal to the money section 18, automatically open the lid, and the user can withdraw the cash. After receiving the transaction, perform post-processing and complete the transaction operation.

In the case of a visually impaired person, a personal identification number is input based on voice guidance, and cash is withdrawn to the personal withdrawal section 16. Next, a guidance message such as, for example, "Please press key number 1 to open the lid of the withdrawal port" is issued. Then, by pressing the first key 1 with one hand placed on the cash withdrawal section 8, the lid of the cash withdrawal section 18 will open.

After receiving the cash, the central processing unit 43 executes necessary post-processing and ends the transaction process. At this point, if you do not follow the signal to open the lid, that is, the voice guidance,
The reason why the lid of No. 8 cannot be opened is to prevent a third party from taking away the banknotes of a visually impaired person without permission.

Here, the ] key is used, but the key may be assigned to signal the opening of the lid. Also, using the transmitting unit 5,
A voice input method can also be adopted, but in this case, the user's voice recognition means is required. However, although the frequency components of voices generally differ from person to person, there is a method of having people say ``shira'' as a frequency that is common to everyone. In this case, the frequency is said to be 6 kHz ~]-0 kHz, and no voice recognition means is particularly required.

By reading the magnetic stripe 22 or reading the information stored in the IC card 24, it is determined that the user is visually impaired, and when the user returns the passbook or card for deposit collection, the process is similar to the case of withdrawal. Additionally, the lid of the cash withdrawal section can be opened when the user receives a signal to open the lid.

To check the balance, follow the guidance instructions and insert the transaction medium, such as a bankbook or card, into the transaction information reading/writing means 7 or 8. When the personal identification number is input, the cash balance is displayed by voice on the receiver 2 or the guidance panel 6, post-processing is performed, and the transaction operation is completed.

Since the cash withdrawal section 18 is installed at the frontmost end of the customer service side of the automated teller machine 11, there is no problem with cash withdrawal transactions by wheelchair users or users who are seated in a car. Does not occur.

Next, other embodiments of the present invention will be described with reference to FIGS. 13 to 15. In this embodiment, parts that perform the same functions as those in the embodiment of FIG. 1 are given the same symbols and their explanations will be omitted. 47 is a device dedicated to receiving calls, such as headphones;
7a and 47b are receivers. The receivers 47a and 47b operate similarly to the receiver 2. 48 is an operating device. This embodiment has a structure in which the embodiment shown in FIG. 1 is separated into a part 47 that performs a reception function and a part 48 that performs an operation function. However, the headphone 47 can be left on the customer's head until the transaction is completed, and has the advantage that the user can always operate the operating device 48 while keeping it away from the ear.

In this case, instead of detecting the input/output device 1, the input/output device detection unit 40 in FIG. 7 detects the presence or absence of a receiving device 47 such as headphones. Further, 49 in FIG. 15 is a hook for temporarily holding the operating device 48.

Furthermore, it goes without saying that the transmitter 5 of the embodiment shown in FIG. 1 may be attached to the headphones 47 or the operating device 48.

FIG. 16 is a diagram showing another embodiment of the operating device 48 shown in FIG. 14. In this embodiment, the operating device 48 of the embodiment shown in FIG.
A transaction information reading/writing means 50 is added to the above. The transaction information reading/writing means 50 includes a magnetic stripe, a printing area reader, a printing section, etc. (not shown) in order to read and write transaction information in the bankbook 26. In this embodiment, most transactions other than the transfer of cash can be carried out at hand, allowing smooth transaction operations not only for visually impaired people but also for wheelchair users and users seated in automobiles.

In the above embodiments, the input/output device 1 or the receiver 4
Although it is assumed that the transaction is completed and the transaction is left without returning the operating device 7 or the operating device 48 to its original location, no particular problem will occur if the transaction standby state is always set to transaction selection.

In addition, if no operation is performed after a while after issuing each voice guidance, the structure is such that the same voice guidance is repeated, and if one of the operation keys is set to 0. Even customers can operate it.

In Figure 2 or Figure 15, the guidance panel 15
If it is changed to a touch sensor type, the operation key code 7 is unnecessary. Furthermore, even if earphones are used in place of the headphones 47 in FIG. 13, the effects remain the same.

Note that if the content of the audio guidance from the speaker 16 or the receiver 2 is substantially the same as the content from the guidance panel 6 or ]5, operations by any customer will be smooth. However, if it is recognized that the customer is visually impaired, transaction guidance by the guidance panel 6 or 15 is unnecessary and may be omitted.

Furthermore, in the above embodiment, the input/output device 1. headphones 4
7. The operating device 48 is connected to the transaction device main body 11 by a cable, but these can also be wireless devices. In that case, it is necessary to take measures to prevent loss.

〔Effect of the invention〕

According to the present invention, it is possible to obtain an automated teller machine that is easy to operate not only for wheelchair users and users seated in a car, but also for visually impaired people in particular.

[Brief explanation of drawings]

Fig. 1 is a perspective view showing an input/output device of an embodiment of an automated teller machine according to the present invention, Fig. 2 is a perspective view showing the main body of the automated teller machine, and Fig. 3 is a cash card which is a type of transaction medium. Figure 4 is a diagram showing an example of an IC card, which is a type of transaction medium, Figure 5 is a diagram showing a deposit passbook, which is another transaction medium, and Figure 6 is another example of a deposit passbook. FIG. 7 is a diagram showing an example of the configuration of each unit 1 in the input/output device and the automatic teller machine, and FIG. Figure 9 shows how the input/output device reads and writes transaction information in the IC card; Figure 1-0 shows how the input/output device reads and writes transaction information. Diagram 1 showing the reading and writing operations of a passbook - Figure 1 is a flowchart 1 to 1 which mainly shows the cash transaction procedure on the transaction device main body side, and Figure 12 is a flowchart showing the cash transaction procedure on the input/output device side Char 1
・, FIG. 13 is a perspective view showing an example of an answering device of another embodiment of the automatic teller machine according to the present invention, FIG. 14 is a perspective view showing an example of the operating device of the same embodiment, and FIG. FIG. 16 is a perspective view showing an example of the main body of the automatic teller machine of the same embodiment, and FIG. 16 is a perspective view showing a modification of the embodiment of FIG. 14. 1. Input/output device, 2. Receiving unit, 3. Human body detection sensor, 4. Operation key 5. Transmitting unit,
6-.Guidance panel, 7.8.Transaction information reading/writing means, 9.Cable, ]-〇.Braille, 11.Automated teller machine body, 12.Display section, 13.Card processing section, 14. Passbook processing section, 15. Guidance panel, 16. Speaker, 17. Operation keys 18. Cash withdrawal section.]. 9... Proximity sensor, 2
0-Hook for temporary storage, 21 Cash card, 22...Magnetic slide, 23'' boss part, 3 4--IC card, 25...Connector part, 6 - Bankbook, 27... Uneven part, 8... Notch part, 29 Audio guidance part, 0 - Operation key, 3]... Transmitting part, 2... Panel guidance part, 3 - Transaction information reading/writing part, 4 - Card processing part, 35・Passbook processing section, 6 Transaction record storage/output journal section, 7 Panel guidance section,
38... Part of operation keys, 9... Cash processing unit, 40... Input/output device detection unit, 1... Attendant operation unit, 42... Power supply unit, 3 - Main control unit, 44 - Communication line, 5. ...Central processing unit, 46...Data storage device, 7
Headphones, 48... Operating device, 9... Hook for temporary storage, 0. Transaction information reading/writing means, 201 Arrow, O]~4
06・Operation key, 801・Arrow. 4

Claims (1)

[Claims] 1. An automated teller machine comprising a panel guidance means, a voice guidance means, a transaction input means, a means for reading and writing transaction information on a transaction medium in which transaction information is recorded, and a cash deposit/withdrawal port in the transaction device main body. , an input/output device is provided which integrally includes a panel guidance means, a voice guidance means, a transaction input means, and a means for reading and writing transaction information of a transaction medium, and is removable from the transaction device main body and is connected to the transaction device main body by a cable. An automatic cash transaction device characterized by: 2. In an automated teller machine comprising a panel guidance means, a voice guidance means, a transaction input means, a means for reading and writing transaction information of a transaction medium in which transaction information is recorded, and a cash deposit/withdrawal port in the transaction device main body, the transaction device main body a telephone receiving device that is removable from the transaction device and includes a voice guidance means and is connected to the transaction device main body by a cable; a panel guidance device, a transaction input device, and a transaction information reading/writing device for the transaction medium; 1. An automatic cash transaction device comprising: an operating device connected to the transaction device by a cable. 3. The automated teller machine according to claim 1 or 2, wherein the cash deposit/withdrawal port is installed at the frontmost end on the customer service side of the main body of the teller machine. 4. The automated teller machine according to any one of claims 1 to 3, characterized in that the input/output device, the receiving device, or the operating device is provided with a human body sensor that detects the proximity or contact of a human body. automated teller machine. 5. The automated teller machine according to any one of claims 1 to 4, wherein the input/output device, the receiving device, or the operating device is provided with a transmitter. 6. A transaction medium for recording transaction information when a transaction is carried out by an automated teller machine, characterized by having a geometrically uneven portion or a notch. 7. In the automated cash transaction method using the automated teller machine according to any one of claims 1 to 5, a code indicating whether or not a person is visually impaired is included as one of the transaction information recorded on the transaction medium. The transaction information reading/writing means opens the lid of the cash dispensing section based on the user's instruction to open the lid at the time of cash withdrawal or cash return operation when the transaction information reading/writing means recognizes that the person is a visually impaired person. An automatic cash transaction method characterized by: