JPH0584953B2 - - Google Patents

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to an automatic transaction device used in financial institutions such as banks, and particularly to an automatic transaction device equipped with a cash deposit and withdrawal mechanism for processing cash deposits and withdrawals. It is related to the device.

[Conventional technology]

Automated teller machines (ATMs) used in banks and other financial institutions are widely used because they enable various transactions to be carried out by customers themselves. Efforts have been made to increase the processing speed of cash deposit and withdrawal mechanisms, which form the main part of the system.

FIG. 4 is a perspective view showing the external appearance of a conventional automatic transaction device of this type. In the figure, 1 is a housing of the device, and the customer service section at the upper front of the device is provided with the following components.

First, 2 is the passbook insertion/return slot where you insert and return your deposit passbook, and behind it is a passbook entry machine, so that the passbook issued by the financial institution to the customer can be
When the passbook is inserted through the passbook insertion/return port 2 during a transaction, 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 by a card reader/writer.

4 is interfon, this interfon 4
is used when pressing the staff call button 5 provided below and having a conversation such as consultation with the staff.

6 is a transaction status display section, and this transaction status display section 6
The currently specified transaction contents, such as "withdrawal", "passbook entry", "deposit", etc., are selectively 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 is an operation guidance display section that displays the operation procedure in sequence on a CRT display.
The customer can operate each key described below in accordance with the procedure displayed on the operation guidance display section 8.

9 is a transaction selection key, and this transaction selection key 9 allows you to specify deposit transactions and payment transactions such as deposits and savings, and 10 is a numeric keypad.
0 is used to enter the 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 11 and 12 are used by the customer as an instruction means for instructing 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 has also come to function 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, inserts the card into the card insertion/return slot 3, and then presses the numeric keypad 10 to input the PIN number, thereby allowing the customer to communicate with the customer. Correspondence with the card is 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 the customer transfers banknotes to the deposit/withdrawal port 1.
3 into the cash deposit/withdrawal mechanism in case 1,
The shutter is closed, and the inserted banknotes are sent one by one to a later-described verification section, where the authenticity, denomination, and counting are performed.

As a result, 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 deposit processing is completed, the card is returned from the card insertion/return slot 3, and if a passbook has been inserted into the passbook insertion/return slot 2 in advance, the passbook recorded by the passbook entry machine is returned to the passbook inserted. The receipt is returned through the return port 2, and the shutter of the deposit/withdrawal port 13 is opened to release the receipt.

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. , 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 contents are displayed on the operation guidance display section 8.

When the customer sees the displayed content and determines that it is correct and presses the confirmation key 11, the transaction is completed and the banknotes are dispensed from the safe of the cash deposit/withdrawal mechanism, and after passing through the verification section, are sent to the deposit/withdrawal slot 13 along with the receipt. Sent.

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.

Figure 5 is a schematic side view of the cash deposit/withdrawal mechanism used in the automated teller machine shown in Figure 4.
Reference numeral 4 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 now being shipped by

Reference numeral 17 includes an optical sensor, a magnetic sensor, a discrimination circuit, etc. (not shown), and performs authenticity discrimination and unfitness discrimination of banknotes conveyed from the separating and feeding section 15, and denomination discrimination of deposited and withdrawn banknotes. 18 and 19 are impellers, 20 is a temporary genuine bill storage section provided above one impeller 18, and 21 is a temporary counterfeit bill storage section provided above the other impeller 19. It is provided on the upper side of the housing 1, and the banknotes that are discriminated as genuine by the discrimination section 17 are passed through the impeller 1.
8, the genuine notes are accumulated in the temporary storage section 20, and banknotes that are discriminated as counterfeit notes are accumulated in the temporary genuine note storage section 21 by the impeller 19.

22 is a thousand-note safe for storing thousand-yen bills; 23 is a ten-thousand-note safe for storing ten-thousand-yen bills; and 24 is the discrimination section 1.
Reference numeral 7 denotes an unfit note safe for storing deposited banknotes that are discriminated as unfit notes, and 25 is a reject unit for storing banknotes that are determined to be defective through denomination discrimination by the discriminating unit 17 or two-sheet detection by a sensor (not shown) at the time of withdrawal. In the safe, these are arranged side by side at the bottom of the housing 1.

26, 27, 28, 29 are the respective safes 22, 2
The banknotes are accumulated and stored in the safes 22 to 25 by the impellers 26 to 29 arranged on the banknotes 3, 24, and 25, respectively.

Reference numeral 30 denotes a suction drum that sucks and separates and feeds banknotes one by one from the 1,000-note safe 22, and this suction drum 30 is provided in combination with an impeller 26.
Reference numeral 31 denotes a suction drum that sucks and separates banknotes one by one from the banknote safe 23 and feeds them. 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 each of these conveyance paths 32a
~32e and 33 connect the above-mentioned components.

That is, the separation and feeding section 15 and the discrimination section 17 are connected by a high-speed conveyance path 32a, and the high-speed conveyance path 32b from the discrimination section 17 branches into high-speed conveyance paths 32c and 32d that reach the 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 suction drums 30, 31, and furthermore, this high-speed conveyance path 32e merges with 32a, and the temporary storage sections 20, 21 are connected to the low-speed conveyance path 32e. Conveyance path 33
It is connected to the banknote input/reception section 14 by a wire.

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, during a deposit transaction, when banknotes are input all at once from the deposit/withdrawal port 13 as described above, the banknotes are taken into the banknote input/reception section 14 and separated into the separating/feeding section 1.
5, 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 transferred to the suction drum 1
6, the bills are separated and fed one by one to the high-speed conveyance path 32a and conveyed to the discrimination section 17, where authenticity discrimination, denomination discrimination, and counting of genuine bills are performed.

Here, banknotes that have been identified as genuine notes are sequentially accumulated in the genuine note temporary storage section 20 by the impeller 18 via the high-speed transport paths 32b and 32c, and banknotes that have been identified as counterfeit or unreadable are sequentially accumulated on the high-speed transport path 32b and 32c. 32b and 32c, and are sequentially accumulated in the temporary counterfeit storage section 21 by the impeller 19.

In this way, when all the inserted banknotes are accumulated in both temporary storage sections 20 and 21, the low-speed conveyance path 33 is driven by a motor (not shown), and the banknotes in the temporary counterfeit banknote storage section 21 are collected as banknotes. The money is sent to the input receiving section 14 and returned from the deposit/withdrawal port 13.

Thereafter, the banknotes in the temporary genuine banknote storage section 20 are sent to the banknote input/reception section 14 via the temporary fake banknote storage section 21 by the low-speed conveyance path 33.

At this time, if the transaction is unsuccessful, the banknotes will be returned from the deposit/withdrawal slot 13 in the same way as the counterfeit banknotes mentioned above.
If the transaction has been completed, the separation feeding section 15
The sheets are separated and fed one by one by the suction drum 16, and then transported to the discrimination section 17 by the high-speed transport path 32a.

Then, this discrimination section 17 performs denomination discrimination, damaged note discrimination, etc. of the banknotes, and then the banknotes pass through high-speed conveyance paths 32b and 32d, and are sent to impellers 26 to 28 in accordance with the above-mentioned discrimination results in high-speed conveyance path 32e. They are divided into 1,000-bond safe 22, 10,000-bond safe 23, and unfit-bond safe 24.
Each is stored inside.

On the other hand, during a withdrawal transaction, the denomination and number of banknotes specified by the customer are transferred to the thousand coupon safe 22 and ten thousand coupon safe 2.
3 are sequentially fed out one by one by suction drums 30 and 31, and conveyed to the discrimination section 17 through high-speed conveyance paths 32e and 32a.

Then, this discrimination section 17 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 high-speed conveyance paths 32b and 32d by impellers. 29 and stored in the reject safe 25.

In addition, after the banknotes that have been determined to have no abnormality are counted, they are sequentially accumulated in the genuine banknote temporary storage section 20 by the impeller 18 via the high-speed conveyance paths 32b and 32c,
After the specified denomination and number of coins are collected, they are sent in bulk via the low-speed conveyance path 33 to the banknote input/reception unit 14 via the temporary counterfeit bank storage unit 21, and are paid from the deposit/withdrawal port 13.

[Problem that the invention seeks to solve]

However, in the above-mentioned conventional automated teller machine, high-speed conveyance processing is always performed in the cash deposit/withdrawal mechanism in order to shorten all transaction times regardless of transaction frequency, and therefore, banknotes, that is, cash, are separated, accumulated, Repeated conveyance causes skewing, etc., which causes conveyance failures to occur more frequently, which in turn lengthens the recovery work time, that is, the time the equipment is stopped, reducing operational efficiency and hindering the operations of financial institutions. There is a problem in that it not only causes problems, but also causes a great deal of inconvenience to customers.

The present invention was made in order to solve such problems, and aims to realize an automatic transaction device that can reduce the occurrence of cash transportation failures in a cash deposit/withdrawal mechanism and improve the device operating efficiency. This is the purpose.

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention carries out a process in which, during a deposit transaction, the cash inserted into the device is conveyed one by one to a discriminating unit, and only the cash that is determined to be depositable is stored in a safe. and at the time of a withdrawal transaction, the automatic transaction is equipped with a cash deposit/withdrawal mechanism that transports the cash drawn from the safe to the discrimination section and discharges only the cash that is determined to be withdrawable from the device. The device includes a reference time setting means for setting a reference time for determining trading frequency, a measuring means for measuring the trading time interval from the end of the previous transaction to the start of the next transaction, and a method for measuring the time interval measured by the measuring means. If the measured time is less than or equal to the reference time set in the reference time setting means, the cash transfer speed by the cash depositing and dispensing mechanism is set as a first speed;
If the measured time is equal to or greater than the reference time, the cash depositing and dispensing mechanism is provided with a conveying speed switching means that changes the cash conveying speed to a second speed that is slower than the first speed. .

[Effect]

In the present invention having the above-described configuration, the measurement means starts measurement when a certain transaction ends, and stops measurement when the next transaction starts. Then, this measured time is compared with a reference time given in advance to the reference time setting means, and if the measured time is less than the reference time, the processing speed of the cash depositing and dispensing mechanism is changed to the first one by the cash conveyance speed switching means. The first speed is the first speed, and cash deposit or withdrawal processing is performed at this first speed.

Further, if the measured time is equal to or less than the reference time, the cash transfer speed switching means sets the processing speed of the cash depositing and dispensing mechanism to the second speed, and cash is deposited at a speed slower than the first speed. Or a withdrawal is processed.

Therefore, according to this, it is possible to change the cash transport speed according to the increase or decrease in transaction frequency.
It is possible to reduce the occurrence of transportation failures due to repeated separation, accumulation, and transportation of cash, which in turn improves the operating efficiency of the equipment, reducing the risk of interfering with financial institutions' operations and causing inconvenience to customers. .

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a functional block diagram showing an embodiment of an automatic transaction device according to the present invention, and FIG. 2 is a schematic side view showing a cash deposit/withdrawal mechanism in the device of FIG.

As shown in FIG. 1, the device of this embodiment includes a card reader/writer 35, a passbook recording machine 36, an operation guidance display section 8, a keyboard section 37, a cash deposit/withdrawal mechanism 3
8 and a control section 39 that collectively controls these, and the cash deposit/withdrawal mechanism 38 has a motor speed control section 40, and the control section 39 is provided with a counter section 41. , a reference time setting means (not shown) such as a program or a memory is provided which sets a reference time for a transaction that determines the cash transport speed.

Here, the counter section 41 functions as a measuring means for measuring the time from the end of one customer's transaction to the start of the next customer's transaction, that is, the transaction time interval. Further, the motor speed control section 40 sets the speed of the motor 34 that drives the high-speed transport paths 32a to 32e to the first speed or the second speed based on the reference time by the reference time setting means and the time measured by the counter section 41. The first speed is a conventional normal processing speed, that is, a high speed, and the second speed is a slower speed.

The external appearance of the device is the same as that shown in FIG. 5, and the card reader/writer 35, bankbook entry device 36, operation guidance display section 8, and keyboard section 37 are also the same as those of the conventional ones. Here, the keyboard section 37 is composed of keys 9 to 12 shown in FIG. 5, and the like.

Furthermore, since the cash deposit/withdrawal mechanism 38 shown in FIG. 2 is the same as that shown in FIG. 4 except for the motor speed control section 40 mentioned above, a description of its configuration will be omitted.

FIG. 3 is a flowchart showing the transaction processing control means in the configuration described above, and the operation will be explained with reference to FIG. 3 as well as FIGS. 1 and 2.

The following explanation will be made in the order of steps indicated by S in FIG.

S1 When the automatic transaction device is started, the motor speed control section 40 sets the speed of the motor 34 shown in FIG. 2 to the second speed, which is the slower speed, and waits in this state until a transaction is performed. .

S2 The control unit 39 determines whether the customer has started a transaction by operating the keyboard unit 37;
If started, it moves to S3, otherwise it remains in standby state.

S3 The motor 34 is started at the second speed by the motor speed control unit 40, and banknote deposit or withdrawal processing is performed. The processing in this case is performed as already described, except that the high-speed transport paths 32a to 32e transport banknotes based on the second speed.

S4 The process of S3 is completed, and the card reader/writer 35 processes the card and the passbook entry machine 3
The controller 39 determines whether or not the transaction has been completely completed by performing the bookkeeping process in step 6. If the transaction has been completed, the process moves to S5; otherwise, the process waits for the transaction to be completed.

The counter section starts measuring time from the point at which the S5 transaction ends.

S6 The control unit 39 determines whether or not the transaction has been started by the next customer operating the keyboard unit 37. If the transaction has been started, the process moves to S7. If not, measurement is continued and the transaction is waited for. .

S7: Measurement by the counter section 41 is stopped at the time the transaction is started. and motor speed control section 4
0, the control section 39 compares the measurement time by the counter section 41 with the reference time given in advance to the reference time setting means, and if the measurement time is equal to or greater than the reference time, the process goes to S8, and the measurement time is set as the reference time. If it is equal to or less than the time
Move to S9.

S8 Based on the instruction from the control section 39, the motor speed control section 40 sets the speed of the motor 34 to a first speed higher than the second speed, and the process moves to S10.

S9 Based on the instruction from the control section 39, the motor speed control section 40 resets the speed of the motor 34 to the second speed, and proceeds to S10.

S10 The motor 34 is activated by the motor speed control unit 40, and banknote deposit or withdrawal processing is performed.

In other words, here motor 3
4, the high-speed conveyance paths 32a to 32e are driven at the first or second speed to process banknotes.

S11 After the process of S10 is completed, the control unit 39 determines whether the transaction has been completely completed. If the transaction has been completed, the process moves to S12; otherwise, the process waits for the transaction to be completed.

S12 The control unit 39 determines whether a command to end the transaction of the automated teller machine has been issued. If the command has not been issued, the process moves to S5; if the command has been issued, the transaction ends.

〔Effect of the invention〕

As explained above, the present invention measures the transaction time interval from the end of the previous transaction until the start of the next transaction, and if the measured time is less than a predetermined reference time, The cash depositing and dispensing mechanism transports deposited or withdrawn cash at a first speed equivalent to the high-speed transporting speed of In other words, the transfer speed of the cash deposit/withdrawal mechanism is selected depending on the transaction frequency to perform the deposit/withdrawal process. Therefore, it is possible to reduce the frequency of transportation failures caused by repeated separation, accumulation, and transportation of cash, which occur in conventional devices that only perform high-speed processing.

In addition, although conveying cash at the second speed, which is slower, increases transaction time, it is less of a problem than the time it takes to stop the operation of the machine due to a conveyance failure. This is done when the transaction frequency is equal to or longer than a preset reference time, that is, when the transaction frequency is low. Taking an actual withdrawal transaction as an example, at the first speed, that is, a high transfer speed equivalent to the conventional one, 30~30% per transaction.
It takes 40 seconds, but the processing speed delay caused by the second speed is about 1 second on average when the number of bills to be withdrawn is 15, and compared to the time required for the transaction, this delay is If the processing speed is delayed to a certain degree, it will not be a nuisance to later transactions and it is possible to conduct smooth transactions.

Therefore, according to the present invention, it is possible to improve the operational efficiency of the device, minimize the disruption to the operations of the financial institution, and reduce the inconvenience to the customers, thereby improving the service. It also has the effect of leading to improvement.

[Brief explanation of the drawing]

FIG. 1 is a functional block diagram showing an embodiment of an automatic transaction device according to the present invention, FIG. 2 is a schematic side view of a cash deposit/withdrawal mechanism in the device shown in FIG. 1, and FIG. 3 is an operation of the device shown in FIG. 1. 4 is a perspective view showing the external appearance of a conventional example, and FIG. 5 is a schematic side view of a cash depositing and dispensing mechanism in the conventional example. 14: Bill input and reception section, 15: Separation feeding section, 1
7: Identification Department, 20: Genuine Note Temporary Storage Department, 21: Fake Note Temporary Storage Department, 22: Thousand Notes Safe, 23: Thousand Notes Safe,
32a to 32d: High speed conveyance path, 33: Low speed conveyance path, 34: Motor, 38: Cash deposit/withdrawal mechanism, 3
9: Control section, 47: Motor speed control section, 41: Counter section.

Claims (1)

[Claims] 1. At the time of a deposit transaction, the cash inserted into the device is
The cash is conveyed one by one to the discrimination section, and only the cash that is judged to be depositable is stored in the safe.When a withdrawal transaction is made, the cash taken out from the safe is conveyed to the discrimination section, so that it can be withdrawn. In an automated teller machine equipped with a cash deposit/withdrawal mechanism that discharges only cash that has been identified as such, the automated teller machine includes a reference time setting means for setting a reference time for determining transaction frequency; a measuring means for measuring the transaction time interval from the start of the next transaction to the start of the next transaction, and when the measured time measured by the measuring means is less than the reference time set in the reference time setting means, the cash deposit/withdrawal mechanism; If the measured time is equal to or greater than the reference time, the cash transfer speed by the cash deposit/withdrawal mechanism is set as a second speed slower than the first speed. An automatic transaction device characterized by being provided with a conveyance speed switching means.