JPH0668344A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To select and use a safe with good performance and enable efficient operation by determining the priority order of respective safes at the time of money reception/payment transaction according to the operation states of the respective safes and controlling the money reception/payment transaction of the respective safes according to the determined priority order. CONSTITUTION:An inspection part 70 makes checks regarding takeout and conveyance performance such as a tilt at the time of conveyance, a conveyance interval irregularity, damage/deformation, overlap feed, and a position shift in addition to the kind of paper money P and true. Code information from the inspection part 70 is counted by the safes and code information and the frequencies of generation by the code information is found, the frequencies are multiplied by deduced points; and the obtained products of the frequencies of generation by the code information and the deduced points are summed up by the safes 56, 57, and 58 to find the total of the deduced points, which is divided by the total number of bills taken out of the safes 56, 57, and 58 to find deduced points of the safes 56, 57, and 58. Then the use priority order of the safes 56, 57, and 58 is determined in order from the safe which has the smallest absolute value of deduced points.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine such as an automatic teller machine (ATM) installed in a financial institution such as a bank.

[0002]

2. Description of the Related Art Conventionally, in the case of an automatic teller machine having a plurality of safes capable of storing cash (currency) of the same denomination, the order in which the safes are used is predetermined. That is, it was fixed which safe to use first and which safe to use next when the safe becomes empty or full and cannot be used anymore.

However, the safes used in the above-described automatic teller machines have different performances such as whether each cash can be accurately taken out or whether each cash can be stored accurately. Its performance can change from moment to moment.

For this reason, in an automatic teller machine in which the priority of use of each safe is fixed in advance, a safe with a poor performance happens to exist even though there is a safe with a good performance. When the priority was high, there were problems such as frequent occurrence of failures.

[0005]

As described above, in the prior art, when a safe with poor performance is preferentially used, a failure is likely to occur frequently, and efficient operation cannot be performed. There was a flaw. Therefore, an object of the present invention is to provide an automatic transaction device capable of preventing frequent occurrence of failures and enabling efficient operation.

[0006]

In order to achieve the above-mentioned object, the automatic transaction apparatus of the present invention has a plurality of safes, and each safe is used for deposit / withdrawal transactions of the same currency. The deposit / withdrawal transaction of each safe according to the priority determined by this determining means, and the determining means for determining the priority of each safe in the deposit / withdrawal transaction based on the operating status of each deposit. And a control means for controlling.

Further, in the automatic transaction apparatus of the present invention, a plurality of safes for making deposit / withdrawal transactions for the same currency, management means for managing the operating status of each safe, and management of this management means. It comprises a determination means for determining a safe for the next deposit / withdrawal transaction based on the information, and a control means for controlling the safe according to the determination of this determination means.

[0008]

According to the present invention, since the safe having the highest performance among the plurality of safes can be preferentially used by the means described above, it is possible to avoid the occurrence of a failure due to poor performance. It is a thing.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 schematically shows the structure of an automatic teller machine (ATM) according to the present invention.

That is, this ATM 1 has its housing 12
A substantially L-shaped operation portion 13 is formed on the front surface of the.
The vertical operation surface 13a of the operation unit 13 has, for example, a passbook insertion slot 14, a card insertion slot 15, and a slip issuing slot 16
Is provided.

Further, the horizontal operation surface 13b of the operation unit 13 is provided with a deposit / withdrawal port 17 as a bill receiving unit that also serves as a deposit / withdrawal port. The deposit / withdrawal port 17 can be opened and closed freely. The door 18 is prepared.

Further, a CRT display unit 19 with a built-in touch sensor is provided on the horizontal operation surface 13b, and operation procedures and other information are displayed on the CRT screen by illustrations, characters or words to guide the user. At the same time, the security code, amount, account number, transaction approval,
The operation is performed by pressing the display portion corresponding to confirmation or cancellation.

FIG. 2 shows the internal structure of the ATM 1 described above. Inside the housing 12, a main controller 31 for controlling the whole and a card A inserted from the card insertion slot 15 are provided.
The magnetic card reader unit 32 that accepts the information and receives the account information such as the personal identification number and the account number from the magnetic stripe unit on the card A, and the slip processing unit 33 that issues the slip in which the transaction contents are printed from the slip issuing port 16. The passbook printing unit 34 that reads the magnetic stripe portion of the passbook B inserted from the passbook insertion port 14 and records the transaction contents on the passbook B and journal paper (not shown).
Is provided.

Further, the bill (currency) P inserted into the deposit / withdrawal port 17 is accepted, or the bill P having a designated amount.
The deposit / withdrawal unit 35 for paying out to the above-mentioned filling and dispensing port 17, the customer service unit 36 constituted by the CRT display section 19, the voice guidance unit 37 for providing voice guidance to the customer by a speaker (not shown), and a staff member. A staff operation unit 38 having an internal monitor (described later) is provided.

Further, a RAM 39 for storing the storage state and operation status of each safe according to the inspection result from an inspection unit (described later) in the deposit / withdrawal unit 35, information of a financial institution necessary for a transfer transaction, for example, Bank name or branch name is 50
A floppy disk 40 as a data file recorded in chronological order, a transmission control unit 41 for controlling data transmission between the main control unit 31 and a host computer (center) not shown, a power supply unit 42, and an external unit. A remote monitor 43 for staff members is provided.

Then, the staff operation section 38 and the remote monitor 43 are instructed to perform local processing (inspection processing for inspecting the state inside the apparatus) such as presence detection, safe exchange, and journal paper replenishment. ing. Figure 3
Shows the structure of the above-mentioned deposit / withdrawal unit 35. In the figure, 50 is an upper unit of the deposit / withdrawal mechanism, and 51 is a lower unit.

The front surface of the upper unit 50 (toward the customer service surface)
In the upper part of the, a bill take-in / take-out device 52 is provided corresponding to the deposit / withdrawal port 17. The bill take-out device 52 is composed of a take-up roller 53, a floor 54, a bill storage chamber 55, and the like. Further, a safe 56 serving as a loading storage 3 is mounted on the rear portion of the upper unit 50, and constitutes a loaded bill storage unit 23.

An inspection unit 70 is provided in the central portion of the upper unit 50 in the vertical direction on the front side, and a temporary withdrawal accumulation unit 37 and a temporary withdrawal accumulation unit 38 are provided on the right side of the inspection unit 70. ing.

On the other hand, in the lower unit 51, for example, a first safe 57 and a second safe 58 as a 1,000-yen store are arranged, which constitute bill storage sections 59 and 60, respectively. A safe 61 is provided as an input safe for storing non-payment-incompatible bills P such as 10,000-yen bills, 5,000-yen bills, rejected tickets, and collection tickets.
A stacking unit 63 and a collection box 64 are configured.

Further, each of the above-mentioned safes 56, 57, 58, 61.
Each of them is provided with a stacking and taking-out device 65, and a flap 67a for forming a space 66 as a stacking unit capable of stacking, for example, 100 banknotes P. The collecting and ejecting device 65 includes a take-out roller 67, an elevator 68, and a pushing plate 6, respectively.
It is composed of 9 and the like.

The banknote transport path R (R1 to R8) is formed in each of the units 50 and 51 so that the banknote P can be transported to each section, and the branch section is illustrated. Gates 73a to 73l driven by a rotary solenoid that does not exist are provided.

Further, bill passage detectors 74a to 74w are provided at various places along the bill conveying path R, and bill presence / absence detectors (residual check sensors) 75a to 75d are provided at the accumulation positions where the bills P ... Are accumulated. 76 is provided. The banknote passage detectors 74a to 74w and the banknote presence / absence detectors 75a to 75d, 76 have a known configuration including a light emitting element and a light receiving element.

Each of the above-mentioned safes 57 and 58 can store up to 2000 banknotes P, for example. Further, the safe 56 (loading box 3) can store, for example, a maximum of 2000 banknotes P,
It can also be used as a 1,000 yen store. Here, the operation (flow of banknotes) in the above configuration will be described. FIG. 4 and FIG. 5 show the flow of the banknote P in the deposit operation. For example, depending on the user, CRT
When a display portion (deposit transaction) corresponding to deposit on the display unit 19 is pressed, the door 18 of the deposit / withdrawal port 17 is opened.

In this state, the user puts the banknotes P into the banknote storage chamber 55 in a standing state with the denominations mixed in front and back. Then, the door 18 is closed, and when it is detected that the door 18 is closed, the floor 54 vibrates up and down to align the banknotes P, and then the take-in roller 53 rotates to move from the frontmost one. It is taken one by one. The banknote P taken in by the take-in roller 53 is a banknote transport path R.
The number of sheets taken in is counted by the bill passage detector 74a.

Next, the bill P is guided to the inspection unit 70, where the denomination (denomination), authenticity, front and back, etc. of the bill P are discriminated (discrimination). Then, the bill P conveyed through the bill conveying path R2 and discriminated as a front bill by the inspection unit 70 is conveyed upward through the first sorting gate 73a, and the second and third sorting gates 73b. , 73c, the route is further changed by the fourth distribution gate 73d, and the money is accumulated in the deposit temporary accumulation unit 38.

The banknotes P which are discriminated as back tickets are the first and the first banknotes.
Via the second distribution gates 73a and 73b, the route is changed by the third distribution gate 73c, further changed by the fifth distribution gate 73e, and inverted and accumulated in the deposit temporary accumulation unit 38. Thereby, the banknote P
The front and back are collected and accumulated in the accumulating section 38.

On the other hand, the bills (rejected bills) P which are judged by the inspection unit 70 to be rejected (fake bills, non-inspectable bills, etc.) are the first, second, third and fourth sorting gates. It is sent to the temporary withdrawal accumulating section 37 via 73a, 73b, 73c and 73d and accumulated there.

When the banknotes P in the banknote storage chamber 55 are exhausted, the reject tickets P accumulated in the temporary withdrawal stacking unit 37 are discharged as a bundle into the storage chamber 55, and the door 18 is opened to be returned to the user. To be done.

The banknotes P stacked in the deposit temporary stacking section 38 are conveyed as a bundle to the banknote storage chamber 55 by the user's confirmation input from the CRT display section 19, and are again taken in and conveyed.

Then, the bill P taken in is checked by the inspection unit 7
After being inspected at 0, the transport path R is switched downward by the first sorting gate 73a, and the upper unit 5
It is conveyed from 0 to the lower unit 51.

The 1,000-yen ticket for which the type of ticket has been discriminated by the inspection unit 70 is the 11th, 6th, and 7th distribution gates 73k, 73f, 73.
It is conveyed horizontally via g, and the route is further changed by the eighth sorting gate 73h to be stacked in one of the stacking units 66 of the first and second safes (thousand yen store) 57, 58.

For the ten thousand yen ticket and the thousand yen ticket, the old ticket, the five thousand yen ticket and the reject ticket are changed in course by the sixth distribution gate 73f, and the ninth and tenth distribution gates 73i and 73j are changed.
It is accumulated in the accumulating unit 63 via.

As described above, when all the banknotes P are accumulated in the accumulating sections 66, 66, 63 of the respective safes 57, 58, 61, the banknotes P in the safes 57, 58 are pushed in by the pushing plates 69, 69.
Pushed down by. Thereby, each banknote P
Is locked by the flappers 67a, 67a and stored under the flappers 67a, and the deposit operation is completed.

When the non-approval is input in the state where the bills P are accumulated in the deposit temporary stacking unit 38, the bills P in the deposit temporary stacking unit 38 are returned to the bill storage chamber 55 and the door 1
8 will be returned to the user when opened. And
When the banknote P is removed from the banknote storage chamber 55, the door 18 is closed. FIG. 6 shows a flow of the banknote P in the dispensing operation.

For example, it is assumed that the withdrawal transaction is selected and then the withdrawal amount is input. Then, in each of the safes 57 and 58, the stored bills P are pushed downward by the push-in plates 69 and 69 to unlock the flappers 67a and 67a, and the elevators 68 and 68 are further raised to take out the stored bills P from the rollers 67. , 67 are brought into contact with each other, and a preparation operation for withdrawal (payment) is performed.

In this case, the 1,000-yen tickets are taken out one by one by rotating the take-out rollers 67, 67 from one of the 1,000-yen boxes 57, 58, respectively. Then, the taken-out 1,000-yen notes are respectively counted, and are conveyed horizontally forward, guided to the upper unit 50, and conveyed to the inspection unit 70.

Banknotes P which are judged to be genuine by the inspection section 70
Are sequentially conveyed through the first distribution gate 73a, the second distribution gate 73b, the third distribution gate 73c, and the fourth distribution gate 73d, and accumulated in the temporary withdrawal accumulation unit 37.

In this way, when the banknote P reaches the withdrawal amount, the withdrawal of the banknote P is completed, and the withdrawn banknotes P accumulated in the temporary withdrawal stacking section 37 are discharged as a bundle into the banknote storage chamber 55,
The door 18 is opened and payment is made to the user through the deposit / withdrawal port 17. When the user withdraws the banknote P, the door 18 is closed and the withdrawal transaction is completed.

Note that the bills (reject bills) P determined by the inspection unit 70 as not suitable for payout are sent to the lower unit 51 via the first sorting gate 73a. Then, as indicated by broken lines in the drawing, the eleventh, sixth, ninth and tenth distribution gates 73k, 73f, 73
It is sent to the stacking unit 63 of the deposit box 61 via i and 73j and is stacked there.

When the above-mentioned loading storage 3 is used as a third safe, that is, a 1,000-yen storage, the depositing 1,000-yen ticket which is determined to be a genuine ticket by the inspection section 70 is the first and the first, It is sent to the safe 56 by the second sorting gates 73a and 73b and is stacked in the stacking unit 66.

When all the banknotes P are stacked in the stacking section 66 of the cashbox 56, the banknotes P in the cashbox 56 are pushed into the pushing plate 6.
It is pushed downward by 9,69. As a result, each bill P is locked by the flappers 67a, 67a and stored underneath, and the deposit operation is completed.

Similarly, the pay-out 1,000-yen bills are taken out one by one by the take-out roller 67 of the loading storage 3, and the second distribution gate 73b, the third distribution gate 73c, and the fifth distribution gate 73b.
Is sequentially conveyed through the sorting gate 73e and is guided to the inspection unit 70.

The banknote P whose denomination and the like have been discriminated and which has been discriminated as a genuine bill is the first sorting gate 73a, the second sorting gate 73b, and the third sorting gate 73c.
Then, they are sequentially conveyed through the fourth distribution gate 73d and accumulated in the temporary withdrawal accumulating section 37.

In this way, when the banknote P reaches the withdrawal amount, the withdrawal of the banknote P is finished, and the withdrawn banknotes P accumulated in the temporary withdrawal accumulating section 37 are discharged as a bundle into the banknote storage chamber 55,
The door 18 is opened and payment is made to the user through the deposit / withdrawal port 17. When the user withdraws the banknote P, the door 18 is closed and the withdrawal transaction is completed. FIG. 7 shows a display example of the internal monitor provided in the staff operation unit 38 described above.

For example, in the case of the pay-in / pay-out unit 35, a diagram showing the layout of the safes 56, 57, 58, the banknote transport path R, etc., and the multi-color issuable lamps 45 provided at various places in this figure. Is displayed. Then, when the lamp 45 emits light, the cashier unit 35
The state of each of the above parts is notified. Figure 8
It shows an example of the discrimination processing in the inspection unit 70 described above.

That is, in the inspection unit 70, in addition to the denomination and authenticity of the paper money P, the inclination at the time of conveyance, the conveyance interval unevenness, the damage / damage /
It also checks the take-out and conveyance performance such as deformation, double feeding, and misalignment.

Further, the inspection section 70 has a function of allocating predetermined code information to each bill P based on the result of the discrimination of each bill P. That is, the state of each banknote P is classified according to code information according to the result of discrimination. FIG. 9 shows an example of an operation status management table for managing the discrimination result of the bill P for each code information.

This table 39a is stored in each safe 56, 5
With respect to the banknotes P of 7,58, a deduction meter calculated based on the number of occurrences of each code information and deduction points assigned to each code information described later, deduction points obtained from this deduction meter, and It consists of data such as priorities that are determined according to the deductions. FIG. 10 shows the relationship between the code information and the deduction points assigned to each code information.

In this case, the deduction points of each code information are
It takes a value of "negative" or "0", which has a great influence on the performance of the function, for example, a large absolute value is set for the code information corresponding to double feed, and on the contrary it has no influence. "0" is set for the corresponding code information. It should be noted that the deduction points may be set according to the degree of inclination of the banknote P, conveyance interval unevenness, positional deviation, and the like. Here, a deduction meter and a method for obtaining deductions will be described.

First, the code information from the inspection unit 70 is counted for each safe and code information, and when the number of occurrences of each code information is obtained, the number of occurrences of each code information is multiplied by the deduction points. Then, the product of the number of occurrences and the number of deductions for each piece of code information obtained is added up for each safe to obtain a deduction meter. Also,
The deduction is obtained by dividing the above deduction meter by the total number of banknotes P taken out from each cashbox.

Then, the use priority order of each safe is determined in order from the safe with the smallest absolute value of the obtained deduction points. However, as shown in FIG. 11, when there are a plurality of safes with the same point deduction (in this case, the first and third safes), the first safe and the third safe are used alternately. Become. next,
The operation of the above configuration will be described. 12
FIG. 3 shows an outline of a processing flow for selecting a safe, using a withdrawal operation as an example.

First, as a preparation, the definition of the deduction points for all of the code information corresponding to each discrimination result of the inspection section 70 is performed as described above. For example, as shown in FIG. 10, this value is stored in the RAM 39 in association with each code information and managed by the main control unit 31.

When the setting of the deduction points is completed, the data for each safe in the operation status management table 39a shown in FIG. 9 is cleared (the deduction value is set to "0" as an initial value). For the safes that have previously taken data, this initial value may be set as it is. Then, after setting the threshold value as a value showing the critical value of the deduction for good / bad, the operation of the ATM1 is started.

When a payment transaction is instructed, the safe in the deposit / withdrawal unit 35 from which the banknote P should be taken out is determined based on the data on the operation status management table 39a of the RAM 39. That is, when the bill P is taken out, the safe with the smallest absolute value of the deduction on the table 39a is always selected and used preferentially.

At the beginning, there is no difference in deduction, so 3
The five safes 56, 57 and 58 are used alternately and each safe 5
Each time the paper money P is taken out from 6, 57 and 58, the deduction is rewritten as described above. In this way, by repeatedly taking out the banknote P from the safe with the smallest absolute value of the deduction, it becomes possible to always select and use the safe with good performance.

When the value of the deduction is less than or equal to the above threshold value, it is displayed on the internal monitor of the staff operation unit 38, so that the staff can get a rough idea of each safe. The performance can be known.

In this case, as shown in FIG. 7, the color of the lamp 45 is changed from green to yellow and from yellow to red by providing a plurality of threshold values, not only by simply causing the lamp 45 to emit light. Alternatively, it is possible to change the light emission state in steps from lighting to blinking. As described above, the safe with the highest performance among the plurality of safes is preferentially used.

That is, the state of taking out banknotes from each safe is managed, and a safe with high performance is always selected and used. As a result, since the safe with poor performance can be used later, it is possible to avoid the occurrence of a failure due to the poor performance. Therefore, it is possible to prevent frequent occurrence of failures, and it is possible to operate efficiently.

In the above-described embodiment, the bill withdrawing operation is described as an example. However, if the bills are correctly accumulated in each cashbox, it is easy to take them out, and conversely, it is difficult to take them out. Since it can be generally said that the quality of the banknotes accumulated in each safe can be determined by taking out the banknotes, it is not limited to the above withdrawal operation,
For example, the present invention can be applied to a deposit operation. In addition to 1,000-yen tickets, 10,000-yen tickets may be used, and the present invention is applicable not only to bills but also to depositing / withdrawing coins.

Further, the selection is not limited to the safe, and when, for example, a conveyance path in a good conveyance state is selected from a plurality of conveyance paths or a sensor having no abnormality is selected from several detection sensors. Can also be used. Of course, various modifications can be made without departing from the scope of the invention.

[0061]

As described above in detail, according to the present invention, it is possible to provide an automatic transaction apparatus capable of preventing frequent occurrence of failures and enabling efficient operation.

[Brief description of drawings]

FIG. 1 is an external perspective view showing an ATM according to an embodiment of the present invention with a part thereof cut away.

FIG. 2 is a block diagram showing the structure of an ATM.

FIG. 3 is a configuration diagram showing the inside of the depositing / dispensing unit.

FIG. 4 is a first diagram similarly shown for explaining the flow of banknotes involved in the depositing / withdrawing unit.

FIG. 5 is a second diagram similarly shown for explaining the flow of banknotes involved in the deposit operation.

FIG. 6 is a diagram for explaining the flow of banknotes in the dispensing operation.

FIG. 7 is a diagram showing a display example of an internal monitor provided in the staff operation unit in the same manner.

FIG. 8 is a diagram showing an example of a discrimination process in the inspection unit.

FIG. 9 is a diagram similarly showing an example of an operation status management table.

FIG. 10 is a diagram for explaining the relationship between code information and the deduction points assigned to each code information.

FIG. 11 is a diagram for explaining the relationship between the deduction and the use priority order.

FIG. 12 is a flowchart similarly shown for explaining the operation.

[Explanation of symbols]

1 ... ATM (Automatic Cash Deposit Machine), 3 ... Loading warehouse, 17 ...
Deposit / withdrawal port, 19 ... CRT display section, 31 ... main control section, 35
... deposit / withdrawal unit, 37 ... temporary deposit / withdrawal section, 38 ... temporary deposit / withdrawal section, 39 ... RAM, 39a ... operation status management table, 45 ... lamp, 56, 57, 58 ... 1,000 yen storage (first, second , Third safe), 70 ... Inspection unit, 74a to 74
w ... bill passage detector, 75a to 75d, 76 ... bill presence / absence detector (residual check sensor), P ... bill (currency), R
(R1 to R8) ... Banknote transport path.

Claims (2)

[Claims] 1. In an automatic transaction device having a plurality of safes and performing deposit / withdrawal transactions of the same currency in each safe, priority is given to each safe in deposit / withdrawal transactions over the operating status of each safe. An automatic transaction apparatus comprising: a determination means for determining a ranking, and a control means for controlling deposit / withdrawal transactions of each safe according to the priority determined by the determination means. 2. A plurality of safes for performing deposit / withdrawal transactions for the same currency, management means for managing the operation status of each safe, and the next deposit / withdrawal transaction based on the management information of the management means. An automatic transaction apparatus, comprising: a determining unit that determines a safe for a bank and a control unit that controls the safe according to the determination of the determining unit.