JPH0778836B2 - Automatic transaction equipment - Google Patents

Description

The present invention relates to an automatic transaction device used in a financial institution such as a bank, and particularly to an automatic transaction provided with a cash deposit / withdrawal mechanism for performing cash deposit / withdrawal processing. It relates to the device.

[Conventional technology]

Automatic transaction equipment (AM) used in financial institutions such as banks
T) is widely used because various transactions can be carried out by the customer's own operation, and recently, in order to improve the operating efficiency of the device, the processing speed of the cash deposit / withdrawal mechanism, which is the main part of the device, has become particularly widespread. Speeding up is being measured.

FIG. 5 is a perspective view showing the external appearance of a conventional automatic transaction apparatus of this type. In the figure, reference numeral 1 is a housing of the apparatus, and the following components are provided in a customer service section at the upper front part thereof.

First, 2 is a passbook insertion / return slot for inserting and returning a passbook, and a passbook entry machine is installed in the back of the passbook, and the passbook issued by the financial institution to the customer is the passbook insertion / return slot at the time of transaction. When it is inserted from 2, the transaction contents are recorded in the passbook, and when the transaction is completed, the passbook is returned to the customer from the passbook insertion return port 2.

A card insertion / return port 3 is provided with a card reader / writer behind the card insertion / return port 3, and when a card issued by a financial institution to a customer is inserted through the card insertion / return port 3, The data written on the card is read by a card reader / writer.

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

Reference numeral 6 denotes a transaction status display portion, in which the transaction contents currently specified in the transaction status display portion 6, for example, "withdrawal", "entry in bankbook", "payment", etc. are selectively displayed.

Reference numeral 7 is a status display section for displaying the status of the apparatus, that is, the status of handling or discontinuation of use.

Reference numeral 8 denotes a CRT display operation guide display section for sequentially displaying operation procedures, and the customer can operate each key described below in accordance with the procedure displayed on the operation guide display section 8.

Reference numeral 9 is a transaction selection key. With this transaction selection key 9, deposit transactions such as deposits and savings and payment transactions can be designated.
Is a ten-key pad, and this ten-key pad 10 is for inputting a personal identification number and a payment amount.

Reference numeral 11 is a confirmation key that is pressed when accepting the continuation without stopping the transaction during deposit transactions such as deposits and savings, and 12 is a cancel key that is pressed when suspending the transaction. Both keys 11,12
Is used as an instruction means for the customer to instruct approval or disapproval of transaction execution.

Reference numeral 13 denotes a deposit / withdrawal port corresponding to the cash deposit / withdrawal mechanism incorporated in the housing 1, which is a portion for the customer to insert deposited bills and receive paid bills, and at the same time, a return port for returning deposited bills. Moreover, it also functions as a receipt issuing port.

In this configuration, deposit 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 port 3, and further presses the ten-key 10 to enter the personal identification number to The correspondence with is checked.

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

Here, in the case of a deposit transaction, the shutter of the deposit / withdrawal port 13 is opened, so that when the customer inserts a bill from the deposit / withdrawal port 13 into the cash deposit / withdrawal mechanism in the housing 1, the shutter is closed and then deposited. The bills are sent one by one to a discriminating section which will be described later, and the discriminating section discriminates authenticity or denomination, counting, and the like.

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

On the other hand, a bill discriminated as a genuine bill can be deposited, and the amount and the amount of each denomination are displayed on the operation guidance display unit 8.

If the customer confirms the display and presses the confirmation key 11, the transaction is completed, and the depositable bill is deposited.

After the deposit process is completed, the card will be returned to the card insertion / return port 3
If the passbook is returned from the bankbook and the passbook is inserted in the advance passbook insertion return port 2, the passbook processed by the passbook entry machine is returned from the passbook insertion return port 2, and the shutter of the deposit / withdrawal port 13 is also returned. Opens and the receipt is released.

On the other hand, if the customer presses the cancel key 12 while looking at the above display, the transaction is unsuccessful, after the depositable banknotes are returned to the deposit / withdrawal port 13, the shutter is opened and returned to the customer,
In addition, the card and passbook will be returned.

Next, in the case of withdrawal transaction, when the customer inputs the requested payment amount and denomination by pressing the ten key 10, the content is displayed on the operation guidance display unit 8.

The customer confirms that the displayed content is correct, and the confirmation key 11
When is pressed, a transaction is established, bills are paid out from the cash box of the cash deposit / withdrawal mechanism, and after passing through the discrimination section, are sent to the deposit / withdrawal port 13 together with a receipt.

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

FIG. 6 is a schematic side view of the cash depositing / dispensing mechanism used in the automatic transaction apparatus of FIG. 5, and in the figure, 14 is a bill insertion / receipt section for the customer to insert or receive bills, and It is located inside the shroud of the gold neck 13.

Reference numeral 15 denotes a separating / feeding unit provided directly below the bill insertion / reception unit 14, which has a suction drum 16. The bills transferred from the bill insertion / reception unit 14 are suction-separated by the suction drum 16 one by one. It is supposed to be delivered.

Reference numeral 17 is a banknote discrimination that includes an optical sensor, a magnetic sensor, a discrimination circuit, and the like (not shown) and performs authenticity discrimination of bills conveyed from the separating and feeding unit 15 and discrimination of unfit bills and denomination discrimination of deposit and withdrawal bills. Section, 18 and 19 are impellers, 20 is a genuine bill temporary storage section provided above one impeller 18, and 21 is the other impeller 19
Is a temporary bill temporary storage portion provided above the above, and these are provided on the upper side in the casing 1, and the bills discriminated as genuine bills by the discrimination portion 17 are temporarily stored by the impeller 18. The banknotes accumulated in the section 20 and discriminated as counterfeit notes are accumulated in the counterfeit note temporary storage section 21 by the impeller 19.

22 is a thousand-ticket safe that stores 1,000-yen banknotes, 23 is a 10,000-ticket safe that stores 10,000-yen banknotes, 24 is an unfit banknote safe that stores deposited banknotes that have been discriminated as unfit banknotes by the discriminating unit 17, and 25 is a withdrawal banknote. Sometimes the discrimination section
A denomination safe for storing banknotes determined to be defective by denomination discrimination by 17 or detection of two sheets by a sensor (not shown), and these are arranged side by side under the casing 1.

Numerals 26, 27, 28, 29 are impellers respectively arranged on the respective safes 22, 23, 24, 25, and the bills are accumulated and stored in the safes 22-25 by these impellers 26-29. It is becoming like this.

30 is a suction drum for sucking and feeding the bills one by one from the thousand-ticket safe 22, and this suction drum 30 is provided in combination with the impeller 26, and 31 is a bill from the banknote safe 23. Is a suction drum that separates and feeds one by one, and the suction drum 31 is provided in combination with the impeller 27.

32a to 32e are high-speed transport paths, 33 is a low-speed transport path, each of which is configured by a transport roller for transporting banknotes, a transport belt, a switching blade for switching the transport direction, and the like. And 33 connect the above-mentioned components.

That is, the separation feeding unit 15 and the discriminating unit 17 are connected by the high-speed conveying path 32a, and the high-speed conveying path 32b from the discriminating unit 17 is the impeller 18,
It branches into the high-speed transport paths 32c and 32d that reach 19. The high-speed transport path 32d follows the high-speed transport path 32e connected to the impellers 26 to 29 and the suction drums 30 and 31, and the high-speed transport path 32e.
Is joined to 32a, and the temporary storage sections 20 and 21 are connected to the bill insertion / receipt section 14 by a low speed conveyance path 33.

Reference numeral 34 is a motor that drives the high-speed transport paths 32a to 32e.

Next, a bill processing operation of the cash deposit / withdrawal mechanism having the above-described configuration will be described.

First, at the time of deposit transaction, when the banknotes are collectively inserted from the deposit / withdrawal port 13 as described above, the banknotes are inserted into the banknote receiving unit.
14 and is sent to the separating / feeding unit 15, and at the same time, the motor 34
Thus, the high speed transport paths 32a to 32e are driven.

The bills sent to the separating / feeding unit 15 are separated and fed one by one to the high-speed conveying path 32a by the suction drum 16 and conveyed to the discriminating unit 17, where the discriminating unit 17 discriminates authenticity, denomination, and genuine bill. The bills are counted and the like.

Here, the bills discriminated as genuine bills are the high-speed transport paths 32b, 32c.
After passing through the impeller 18, the bills are sequentially accumulated in the genuine bill temporary storage unit 20, and the bills that are determined to be counterfeit or unreadable are the high-speed transport path.
After passing through 32b and 32c, they are sequentially accumulated in the fake bill temporary storage unit 21 by the impeller 19.

In this way, when all the inserted bills are accumulated in both the temporary storage units 20 and 21, the low-speed transport path 33 is driven by the motor (not shown), and the bills in the counterfeit bill temporary storage unit 21 are collectively billed. It is sent to the deposit receiving unit 14 and returned from the deposit / withdrawal port 13.

After that, all the bills in the genuine bill temporary storage unit 20 are collectively transported to the low-speed transport path.
By 33, it is sent to the bill insertion / receipt unit 14 through the fake bill temporary storage unit 21.

At this time, if the transaction is unsuccessful, it is returned from the deposit / withdrawal port 13 similarly to the above-mentioned counterfeit bill, but if the transaction is successful, it is sent again to the separating / feeding unit 15 and the suction drum. The sheets are separated and fed one by one by 16 and conveyed to the discrimination section 17 by the high-speed conveying path 32a.

Then, the discrimination unit 17 performs denomination discrimination of bills and non-defective bill discrimination, and then the bills pass through the high-speed transport paths 32b, 32d,
In the high-speed transport path 32e, it is distributed to the impellers 26 to 28 according to the discrimination result, and the thousand-ticket safe 22, the million-ticket safe 23, and the unfunded safe 24
Stored inside each.

On the other hand, at the time of withdrawal transaction, banknotes of the denomination and the number of sheets designated by the customer are sucked from the 1,000-ticket safe 22 and the 10,000-ticket safe 23 by the suction drum
High-speed transport paths 32e and 32a are sequentially fed one by one by 0 and 31.
It is conveyed to the discriminating unit 17 through the.

Then, the discrimination unit 17 performs denomination discrimination of banknotes, detection of double feeding, skew feeding, and the like, and as a result, the banknotes that have been discriminated as having abnormalities such as double feeding are impellers by the high-speed transport paths 32b and 32d. It is sent to 29 and stored in the Rigid Safe 25.

In addition, after counting the bills that have been distinguished as normal,
After the coins are sequentially accumulated in the genuine bill temporary storage unit 20 by the impeller 18 via the high-speed transport paths 32b and 32c, and the designated denominations and the number of sheets are aligned, the bills are collectively passed through the counterfeit bill temporary storage unit 21 by the low-speed transport path 33. It is sent to the deposit receiving section 14 and paid from the deposit / withdrawal port 13.

[Problems to be solved by the invention]

However, in the above-described conventional automatic transaction device, in the cash deposit / withdrawal mechanism, regardless of the transaction frequency, it always performs high-speed processing in order to shorten all transaction times,
Therefore, due to the repetition of separation, collection, and transportation of banknotes, that is, the occurrence of skew, etc., the frequency of transport failures resulting from this is high, and as a result, the recovery work time, that is, the operation stop time of the device, becomes long and the operation efficiency is increased. However, there is a problem in that it causes a decrease in the operation of the financial institution and causes a great deal of trouble to the customer.

The present invention has been made to solve such a problem, and it is an object of the present invention to realize an automatic transaction device that can reduce the occurrence of cash transport trouble in the cash deposit / withdrawal mechanism and improve the device operation efficiency. It is intended.

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention provides a reference value setting means for setting a reference value serving as a reference for determining the transaction frequency of a device, and a customer waiting for a transaction to perform a transaction with the device. And a processing speed switching means for switching the processing speed of the cash by the cash deposit / withdrawal mechanism between a first speed equivalent to a normal high-speed processing speed and a second speed slower thereby. It was done.

[Action]

According to the present invention having the above-described configuration, the number of customers waiting for a transaction is detected by the customer number detecting means, and the detected value is compared with the reference value set in the reference value setting means in advance to detect the value. When the value is the reference value abnormality, the processing speed switching means sets the processing speed of the cash deposit / withdrawal mechanism to the first speed, and the cash deposit / withdrawal processing is performed at the first speed.

When the detected value is equal to or less than the reference value, the processing speed of the cash deposit / withdrawal mechanism of the processing speed switching means is set to the second speed, and the cash deposit or the cash deposit is made at a speed slower than the first speed. Withdrawal processing is performed. Therefore, according to this, the processing speed of cash can be changed according to the increase or decrease of the transaction frequency, so that it is possible to reduce the occurrence of the transportation trouble due to the repetition of the separation, collection and transportation of the cash, and eventually the equipment. Operational efficiency will be improved, and the business of financial institutions will not be hindered and customers will not be bothered.

〔Example〕

 Embodiments 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, FIG. 2 is a schematic side view showing a cash deposit / withdrawal mechanism in the device of FIG. 1, and FIG. 3 is a diagram of the device of FIG. It is a schematic perspective view which shows an external appearance.

As shown in FIG. 1, the apparatus according to the present embodiment includes a card reader / writer 35, a passbook recorder 36, an operation guidance display section 8, a keyboard section.
37, a cash deposit / withdrawal mechanism 38, and a control section 39 for controlling these in a centralized manner, and the cash deposit / withdrawal mechanism 38 has a motor speed control section 40, and the control section 39 has a counter section 41. In addition to the above, a reference value setting means (not shown) such as a program or a memory for setting a reference number of customers as a reference value for determining the cash processing speed is provided, and the counter unit 41 further detects a customer. The structure is such that the sensor 42 is connected.

Here, the customer detection sensors 42 are arranged in a predetermined direction outside the casing 1 of the device as shown in FIG. 3, that is, in the direction in which customers waiting for a transaction (order) using the device form a line, A plurality of them are arranged at regular intervals, and are connected to the connection counter unit 41 collectively by the connection cord 43.

This customer detection sensor 42 is a tape-shaped touch sensor that conducts when a human weight is applied in this embodiment, and is also arranged on the floor where the device is installed, but an optical sensor or the like can also be used. .

Further, the counter unit 41 counts the number of customers waiting for a transaction detected by the customer detection sensor 42, and both of them function as a customer number detecting means.

On the other hand, the motor speed control unit 40, based on the number of standard customers set in the standard number-of-customers setting means and the number of customers waiting for the transaction counted by the counter unit 41, the high-speed conveyance path 32 shown in FIG.
It functions as a processing speed switching means for setting the speed of the motor 34 for driving a to 32e to the first speed or the second speed, and the first speed is the conventional processing speed, that is, high speed. The speed of 2 is slower than that.

Further, the operation guide display unit 8, the card reader / writer 35, the passbook entry machine 36, and the keyboard unit 37 are the same as those of the conventional one, and the keyboard unit 37 includes the keys 9 shown in FIG.
~ 12 etc.

The cash depositing / dispensing mechanism 38 shown in FIG. 2 is also the same as that shown in FIG. 5 except that it has the above-described motor speed control unit 40, and a description thereof will be omitted.

FIG. 4 is a flow chart showing the transaction processing procedure of the above-mentioned structure, and the operation will be described with reference to FIG. 4 and FIGS.

The following description will be given in the order of steps shown by S in FIG.

S1. When the device is activated, the control unit 39 first determines whether or not a transaction start operation has been performed on the customer keyboard unit 37. If it is determined that the operation has been performed, the process proceeds to S2, and if not, the transaction starts. Wait until the operation is done.

S2. The counter unit 41 of the control unit 39 counts the number of conduction of the customer detection sensor 42 at the time when the customer starts the transaction with the keyboard unit 37, and the counted value (detection value) and the reference value setting means (not shown). The reference number of customers set in advance as a reference value is compared by the control unit 39, and as a result, if the count value is equal to or greater than the reference customer number, go to S3, and if the count value is equal to or less than the reference customer number. If so, move to S4.

That is, the number of customers waiting for a transaction is detected based on the number of conductions of the customer detection sensor 42, and it is determined whether or not the frequency of transactions is high. According to the result, the control unit 39 outputs a processing speed instruction signal to the motor speed control unit 40.

S3. Based on the instruction signal from the control unit 39, the speed of the motor 34 is set to the first speed which is the higher speed, and the process proceeds to S5.

S4. Based on the instruction signal from the control unit 39, the speed of the motor 34 is set to the second speed, which is the slower speed, and the process proceeds to S5.

S5. The motor speed controller 40 activates the motor 34, and the cash deposit / withdrawal mechanism 38 deposits or dispenses bills.

That is, in this case, the high-speed transports 32a to 32e are driven by the motor 34 at the first or second speed according to the transaction frequency, and the bill depositing / withdrawing process is performed.

Since the processing operation itself is performed in the same procedure as the conventional one, its explanation is omitted here.

S6. After the processing of S5 is completed, the card reader / writer 35
Card processing, including passbook entry machine 36, such as bookkeeping processing, is judged by the control unit 39 whether or not all transaction processing is completely completed, and if so, the process proceeds to S7, and if not, Wait for the end of the transaction.

S7. It is determined by the control unit 39 whether or not a command to end the transaction operation of the automatic transaction device has been issued. If not issued, the process proceeds to S1, and if issued, the transaction operation ends.

In addition, although the above-described embodiment describes the case where the conveyance speed of banknotes is switched to two stages according to the transaction frequency, the present invention is not limited to this, and similarly, the separation and stacking of banknotes, It is also applicable to acts related to bill deposit / withdrawal processing such as discrimination and control.

〔The invention's effect〕

As described above, the present invention detects the number of customers waiting to make a transaction using the device, and when the detected value is equal to or less than a predetermined reference value, the conventional high processing speed is set. The cash deposit / withdrawal mechanism performs deposit / withdrawal processing at an equivalent first speed, and when the detected number is equal to or greater than the reference value, the cash deposit / withdrawal mechanism is slower than the first speed by the cash deposit / withdrawal mechanism. Since it has a structure for performing deposit or withdrawal processing, in other words, because the cash deposit / withdrawal mechanism processing speed is selected according to the transaction frequency, the deposit / withdrawal processing is performed. It is possible to reduce the frequency of occurrence of transport failure due to repeated cash separation, collection, and transport that occurred in the device.

In addition, processing at the second speed, which is a low speed, increases transaction time, but is less problematic than the time during which the operation of the device is stopped due to a transport failure.
Is performed at a speed equal to or lower than a preset reference value, that is, when the transaction frequency is low.
Taking an actual withdrawal transaction as an example, it takes 30 to 40 seconds per transaction at the first speed, that is, the high-speed processing speed equivalent to the conventional one, but the processing speed given to the transaction time depends on the second speed. The delay is an average of about 1 second when the number of dispensed banknotes is 15, and compared to the time required for a transaction, if the processing speed is delayed by this amount, it will not bother the subsequent transactions and will make a smooth transaction. It is possible to do.

Therefore, according to the present invention, there is an effect that the operation efficiency of the device is improved, and it is possible to minimize the hindrance to the business of the financial institution, and it is possible to reduce the annoyance to the customer. It also has the effect of leading to improvement.

[Brief description of drawings]

1 is a functional block diagram showing an embodiment of an automatic transaction apparatus according to the present invention, FIG. 2 is a schematic side view of a cash depositing / dispensing mechanism in the apparatus of FIG. 1, and FIG. 3 is a schematic of the apparatus of FIG. FIG. 4 is a perspective view showing the operation of the apparatus of FIG. 1, FIG. 5 is a perspective view showing the appearance of a conventional example, and FIG. 6 is a schematic side view of a cash depositing / withdrawing mechanism in the conventional example. 14: Banknote input / receipt section, 15: Separation and feeding section, 17: Discrimination section, 20: Temporary genuine bill storage section, 21: Temporary counterfeit sheet storage section, 22: Thousand bank safe, 23:
Manzain safe, 32a-32e: High-speed transport path, 33: Low-speed transport path, 34:
Motor, 38: Cash deposit / withdrawal mechanism, 39: Control unit, 40: Motor speed control unit, 41: Counter unit, 42: Customer detection sensor

Claims (1)

[Claims] 1. At the time of deposit transaction, the cash thrown into the device is conveyed to the discriminating section one by one, and only the cash discriminated to be depositable by the discriminating section is stored in the safe, At the time of money transaction, in an automatic transaction device equipped with a cash deposit / withdrawal mechanism that carries cash paid out from the safe to the discriminating unit, and performs a process of discharging only cash discriminated as withdrawable to the outside of the device, The reference value setting means for setting the reference value for judging the transaction frequency, the customer number detecting means for detecting the number of customers waiting for a transaction to make a transaction in the device, and the customer number detecting means When the detected value is equal to or higher than the reference value set in the reference value setting means, the cash processing speed by the cash deposit / withdrawal mechanism is set to the first speed, and when the detected value is equal to or less than the reference value, Cash processing speed by cash deposit / withdrawal mechanism An automatic transaction apparatus comprising processing speed switching means for setting a processing speed to a second speed which is slower than the first processing speed.