JPH09204549A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic teller machine which can prevent a customer from omitting to take out the objects such as cash, etc., that are discharged to the opening part of the machine by making surely the customer notice those discharged objects. SOLUTION: This machine consists of an object detection means 32 which detects whether the discharged objects exist at an opening part of the machine, a reception detection means 31 which detects the act of a customer to receive the discharged objects, and a remaining object guidance means 7 which lets the customer know the presence of the remaining objects when the means 32 detects the objects after the means 31 detects the object receiving act of the customer. Then the guidance of the remaining objects is started within a prescribed time after the remaining objects are taken out of the opening part by the user.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to an automatic teller machine,
The present invention relates to an automatic transaction device such as an automatic ticket issuing device or an automatic vending machine, and more particularly to an automatic transaction device in consideration of prevention of leftover objects such as cash, cards, passbooks, statement slips, and tickets discharged from the automatic transaction device.

[0002]

2. Description of the Related Art For example, an automated teller machine is used by a customer to perform transactions such as deposits, withdrawals, and transfers by himself using a transaction card, passbook, etc., without the need for a bank clerk. It is a device that performs and returns the transaction cards and passbooks that the customer put in after the transaction processing and releases the cash according to the statement of details and the transaction content. Further, the automatic ticket issuing device is a device in which a user inserts a card or cash and releases an issuance medium or change desired by the user. Vending machines throw cards and cash,
It is a device that discharges goods and change desired by the user.
Usually, these discharged objects are discharged to a slit-shaped or wide-mouthed opening provided on the customer service surface of the automatic transaction device, and the user pulls them out or grabs them to receive them. At this time, in the case where there are a plurality of discharge objects in one opening, it may not be noticed even if there are leftovers when pulling out or grasping. In the automatic teller machine, there is a tendency to increase the amount of cash that can be withdrawn and withdrawn at one time in recent years, and therefore the opening is large, so discharged cash may diffuse in the opening, making it difficult to notice the leftovers. If the user leaves without leaving, there is a risk that the ejected object left behind will be stolen. Further, even if the information is taken into the automatic transaction device in order to prevent theft, it will be troublesome to return it later.

Conventionally, in order to prevent the user from leaving the device while leaving it behind, a method of guiding the user that the discharged object remains when the user leaves the discharge medium from the automatic transaction device while leaving the discharge medium in the opening. However, for example, JP-A-6-231330
It is disclosed in Japanese Patent Publication No. 6-231330. In the former publication, a voice call is made, and in the latter publication, the information is displayed on the door of the store where the automatic transaction device is placed to guide the user.

[0004]

However, in the prior art, the user who is away from the automatic transaction device thinks that the use of the automatic transaction device has been completed, and since the attention is shifted from the automatic transaction device to other things, the user is informed. You may not notice it.

It is an object of the present invention to provide a device for surely letting the user notice the left-over and preventing the user from leaving with the left-over.

[0006]

In order to achieve the above object, the present invention is an automatic transaction device for ejecting an object to an opening by a transaction operation by a user, and detects whether or not an emission object is present in the opening. Object presence / absence detection means, reception operation detection means for detecting an operation of the user who receives the emission object, and the object presence / absence detection means detects an object after the reception operation detection means detects the emission object reception operation of the user. An object residual guide means is provided for guiding the user that an object remains when the object is detected.

Further, according to a preferred embodiment of the present invention, the object residual guide means is a voice, and the object residual guide is provided within a preset time after the emission object grasped by the user leaves the opening space. Start.

According to the above structure, when the receiving operation detecting means detects that the user has performed the operation of receiving the object discharged into the opening by the automatic transaction device, it is determined whether the object remains in the opening. When the presence / absence detecting means detects, and when the object presence / absence detecting means detects that there is an object, voice guidance is provided. That is, even if the user does not leave the automated teller machine, the guidance is left over, and therefore the user can hear the guidance without fail.

Further, since the residual object voice guidance is started within a preset time after the emission object grasped by the user leaves the opening space, attention should be paid to the operation related to the content of the guidance, that is, the receiving operation. Since the user can hear the guide while they are there, it is easy to recognize the contents of the guide, and it is possible to notice the leftover without fail, and it is possible to prevent the user from leaving without leaving.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION An automated teller machine, which is an example of an automated teller machine, will be described below as an embodiment of the present invention.

FIG. 1 is a block diagram of an automated teller machine of one embodiment to which the present invention is applied, and FIG. 2 is a perspective view of the automated teller machine of the embodiment of FIG.

Reference numeral 1 is an automatic teller machine.

Reference numeral 2 denotes a card / detailed slip handling means, which reads information from a transaction card inserted by the customer, and after processing the transaction, returns it to the customer together with a detailed slip in which the details of the transaction are written. The card / details slip handling means 2 is provided with an opening shown in FIG. 2, that is, a card / details slip entry / exit port 21, and a customer inserts a transaction card from the card / details slip entry / exit port 21. In addition, at the time of return, a part of the transaction card and the statement slip are discharged so that the customer can pinch and pull out the transaction card and statement slip from the card / detail slip entry / exit port 21.

Reference numeral 3 is a passbook handling means, which processes the transaction in the passbook inserted by the customer, writes the result of the transaction and returns it. The passbook handling means 3 is provided with an opening portion shown in FIG.
Insert the passbook from. Further, at the time of return, a part of the passbook is discharged so as to be exposed from the passbook entrance / exit 22.

Reference numeral 4 denotes a bill handling means, which discriminates and counts bills inserted by a customer in the case of a transaction involving deposit, and stores them in an internal storage portion. In the case of a transaction involving withdrawal, the necessary number of banknotes are counted from the internal storage unit and discharged. The banknote handling means 4 is provided with an opening shown in FIG. 2, that is, a banknote inlet / outlet 23, and a customer inserts a banknote from the banknote inlet / outlet 23 and receives the banknote released to the banknote inlet / outlet 23. The banknote handling means 4 is provided with a receiving operation detecting means 31 for detecting a receiving operation of a customer and a banknote presence / absence detecting means 32 for detecting the presence / absence of a banknote in the banknote inlet / outlet 23, which will be described later.

Reference numeral 5 denotes a coin handling means, which performs a coin depositing / withdrawing process similarly to the bill handling means 4. The coin handling means 5 is provided with the opening shown in FIG. 2, that is, the coin inlet / outlet 24, and the customer inserts coins from the coin inlet / outlet 24.
The coins discharged into the coin inlet / outlet 24 are received.

Reference numeral 6 denotes a customer operation means, which displays a touch panel and keys and guidance for the customer to input necessary information to the automatic teller machine 1 and for the automatic teller machine 1 to give operational guidance to the customer. And a display device.

Reference numeral 7 is a voice guidance means for giving a greeting to the customer, operation guidance, and leftover guidance which will be described later.

Reference numeral 8 denotes a customer presence / absence detecting means, which is a proximity sensor for detecting whether or not the customer is in front of the automatic teller machine 1. It is detected that there is an object in front of the automatic teller machine 1. Therefore, when an object is detected, it is considered that the customer is in front of the automated teller machine 1 "customer is present", and when it is not detected, it is considered that the customer is not in front of the automated teller machine 1 and a signal indicating "no customer" The customer presence / absence detection means 8 sends it to the control means 10 described later.

Reference numeral 9 is a communication means, and 81 is a center. Confirmation of account information of a customer under transaction and update of account information are performed while communicating with the center 81 holding the customer's account information through the communication means 9.

Reference numeral 10 is a control means for controlling various means in the automatic teller machine 1. The control means 10 has a timer 1
1 is built in, and the control means 10 is used when it is necessary to measure the time by a leftover guide described later.

Next, the detailed structure of the bill inlet / outlet 23 will be described. 3, FIG. 4, FIG. 5, and FIG. 6 are cross-sectional views of the bill inlet / outlet port 23. FIG. 3 shows a case where the customer has not yet taken out the banknote immediately after discharging the banknote, FIG. 4 shows a case where the customer puts his / her hand into the banknote inlet / outlet 23, and FIG. 5 shows a case where the banknote still remains after the customer takes out the banknote. FIG. 6 shows a state in which the customer has taken out all the banknotes.

Reference numeral 41 is a housing of the bill handling means 4.

42 is a push plate, 43 is a receiving plate, 44 is a take-in roller, 51 is a bill, and the push plate 42 slides to the receiving plate 43 side at the time of deposit and receives the bill 51 inserted into the bill inlet / outlet 23. The bills 51 pressed against the plate 43 are taken into the bill handling means 4 by the take-in roller 44.

On the other hand, 45 is a delivery belt, and 46 is a belt roller, and the delivery belt 45 sandwiches the banknote 51 conveyed from the inside of the banknote handling means 4 at the time of withdrawal, and the belt roller 46 rotates. Then, the delivery belt 45 is caused to travel, and the banknote 51 is discharged to the banknote inlet / outlet 23.

Reference numeral 47 denotes a bill inlet / outlet lid, which slides and opens so that the customer can insert the bill 51 into the bill inlet / outlet 23 at the time of deposit, and opens the bill inlet / outlet 23 to the customer. At the time of withdrawal, the banknote is discharged to the banknote inlet / outlet 23 and then opened by sliding. After the customer finishes inserting and removing the bill, the lid 47 of the bill inlet / outlet is closed so that the customer does not get injured by touching the movable portion around the bill inlet / outlet 23.

Reference numeral 31 is a receiving operation detecting means, and 50 is a customer's hand. The receiving operation detecting means 31 is a transmissive optical sensor including a pair of a light emitting element and a light receiving element provided at a position in the space of the bill inlet / outlet 23 for detecting the presence / absence of an object on the surface where the customer's hand 50 goes in / out. As shown in FIG. 3, the receiving operation detecting means 31 is in a position where the bill 51 placed in the bill inlet / outlet 23 does not block the light traveling from the light emitting element to the light receiving element, and thus the light receiving element normally receives light. As shown in FIG. 4, the customer's hand 50 or the banknote 51 grasped by the customer's hand 50 is blocked only when entering or exiting the banknote inlet / outlet 23, and no light is received. Therefore, when withdrawing money, it is considered that the receiving operation is not being performed when receiving light, and the receiving operation is being performed when not receiving light.
The receiving operation detecting means 31 sends to the control means 10 a signal indicating "no operation" in the former case and "operating" in the latter case. It is desirable to install a plurality of receiving operation detecting means 31 at intervals narrower than the width of the customer's hand 50 so that the customer's hand 50 can detect where the customer's hand 50 enters and exits from the entrance / exit surface of the bill inlet / outlet 23.

Reference numeral 32 denotes a bill presence / absence detecting means, which receives light when the bill 51 is not placed in the bill inlet / outlet 23, and a receiving operation detecting means 31 installed at a position where the light reception is blocked when the bill 51 is placed. It is a similar transmission type optical sensor.
When the light is received, a signal indicating “no banknote” is sent to the control means 10, and when the light is not received, a signal indicating “banknote is present” is sent. In FIG. 3, FIG. 4 and FIG. 5, it is “with paper money”, and in FIG. 6, it is “without paper money”.

Next, a control method of the control means 10 relating to voice guidance for preventing the receipt of banknotes at the time of dispensing will be described.

FIG. 7 shows a PAD (Problem Analysis D) showing a control method of the control means 10 relating to voice guidance after the bill is discharged.
iagram: Problem analysis diagram).

First, transaction processing up to the discharging of banknotes is performed (S
1) When the banknotes are discharged into the banknote inlet / outlet 23 (S2), the banknote inlet / outlet lid 47 is opened (S3). And timer 11
To start timing. If the time to be counted is t, the initial value t is set to 0 (S4). After that, the processing described below is performed until the lid 47 of the bill inlet / outlet is closed and the state after which the bills are transferred can be shifted to the processing after the bill is delivered.

First, wait for the customer's action. That is, it waits for the customer to perform the receiving operation, to not perform the receiving operation for a long time, or to leave the automatic teller machine 1 without performing the receiving operation. Specifically, the signal of the receiving operation detecting means 31, the timer 1
1 and the signal of the customer presence / absence detecting means 8 are monitored, and the signal of the receiving operation detecting means 31 becomes "there is an operation", or t becomes a preset time t ₂ , or the signal of the customer presence / absence detecting means 8 It waits until any of the following occurs, which means "no customer" (S5).

If any of them occurs, it is checked which phenomenon has occurred (S6), and the next action is taken according to the phenomenon.

If the signal of the receiving operation detecting means 31 becomes "operational", the customer grabs the bill and takes it out from the banknote inlet / outlet 23, and the signal of the receiving operation detecting means 31 is again "no operation". Wait until (S7). When "no operation" is detected, the signal of the bill presence / absence detecting means 32 is checked (S8). If there is "a bill", the time is counted again from t = 0 (S9). Then wait for t1 time (S1
0). After that, voice guidance such as "Bills are still remaining."
11). It is desirable that the voice guidance be performed before the customer starts the next action such as storing the bill in the wallet. At that timing, the customer's attention is still concentrated on taking out the bill, and it is easy to hear the voice guidance regarding taking out the bill. In addition, it is desirable to carry out the bills taken out so that they can be brought closer to one's body so that they can be stored in a wallet or the like. It is too early to recognize what the guidance is when it is the moment when the bill exits from the bill entry / exit 23, but at this timing it is said that the guidance is given to the action completed by oneself. The customer can easily understand and recognize the contents of the guidance. Therefore, t ₁ is preferably as long as the time it takes for the customer to draw the bill from the bill inlet / outlet 23 to the front. In advance at the beginning of the voice guidance
If a silent period of ₁ length is provided, it is not necessary to measure with a timer. t ₁ is 0.7 in the case of an automated teller machine
About 5 seconds to 1.2 seconds is preferable. However, in the case of the automatic ticketing system of transportation, release without waiting that the user is passed hurry it is counted because it is often away from the immediate automated teller machine and remove the many-emitting objects are t ₁ hour It is desirable to give guidance as soon as it is confirmed that the object remains. Although it is desirable to guide t ₁ at the optimum timing by timing t ₁ , guidance may be provided without timing t ₁ due to the capability of the control means and other reasons.

After the voice guidance of remaining banknotes is started, timing is started again from t = 0 (S12), and the next action of the customer is waited in S5.

When the signal of the bill presence / absence detecting means 32 is "no bill" in S8, the bill inlet / outlet lid 47 is closed (S
13) and the time measurement is finished (S14).

If the time t reaches the preset time t ₂ in S6, a voice guidance such as "please be careful not to forget to pick up the bills." Perform (S15). Then, the time is again set to t = 0
(S16), the customer waits for the next action in S5.
t ₂ may be any time that does not hinder the customer.

If the signal from the customer presence / absence detecting means 8 is "no customer" in S6, voice guidance such as "I have forgotten to pick up a bill." S17).

After that, the timing is started again from t = 0 (S
18) Wait for the customer to come back. Specifically, the signal of the customer presence / absence detecting means 8 is monitored, and the time t is set to “with customer” or “without customer” again for a preset time t.
Wait until either one of ₃ has passed (S1
9). This t ₃ is set to an arbitrary time shorter than the time it takes for the next customer to come in front of the automated teller machine so that the next customer can be distinguished from the remaining customers.

If the customer presence / absence detecting means 8 is "customer present"
If it has become (S20), the timing is restarted from t = 0 (S21), and the next action of the customer in S5 is waited for.

If t becomes t ₃ in S20, the bill inlet / outlet lid 47 is closed to prevent theft (S2).
2), the bill 51 is stored inside the bill handling means 4 (S2
3), the time measurement is finished (S24).

In the above processing, after closing the bill inlet / outlet lid 47, a record of the main transaction is recorded and post-processing such as preparation for starting the next transaction is performed (S25).

According to the embodiment, after the customer takes out the ejected object, guidance is provided if the ejected object still remains at the entrance / exit, so that the customer can notice that there is a leftover object, and the customer can notice the ejected object. It is possible to prevent leaving as much as possible.

Further, since the guidance is given at a timing when the user's attention is focused on the take-out action and the user's action and the content of the guidance are easily linked, it is easy for the user to hear and understand the content of the guidance.

Next, a description will be given of an embodiment in which a function of guiding the leftover banknote position information is also added so that the customer can easily find the leftover banknote.

FIG. 8 is a cross-sectional view of the bill inlet / outlet 23 of the embodiment in which a function of detecting the position of the leftover bill is added to the embodiment.

Numeral 33 is an object position detecting means, which is a transmissive optical sensor similar to the bill presence detecting means 32 arranged at a position for detecting whether or not there is a banknote left in a position that is difficult for the customer to see. The leftover position information guidance is performed as follows. That is, in S8 of FIG. 7, the control means 10 receives the signal from the bill presence / absence detection means 32 as well as the signal from the object position detection means 33. Then, when the signal from the object position detection means 33 is “with paper money”, the paper money detection position information is added in S11 for guidance. For example, the guide will say, "There are still banknotes on the front side."

According to the embodiment, it is possible to make a customer who wants to leave knows that there is a need to search because there seems to be no left at first glance even if the left-over guidance is given. The effect of preventing going away is enhanced.

Next, an embodiment provided with means for visually guiding will be described.

FIG. 9 is a perspective view of the automated teller machine of the embodiment in which the visual guide means is added to the embodiment.

Reference numeral 25 is a discharge guide means, which is a lamp provided at each entrance / exit for turning off, turning on and blinking. Hereinafter, a method for guiding the remaining portion using this lamp will be described.

FIG. 10 is a PAD showing a control method in which the control of the discharge guide means 25 is added to the control of FIG.

Differences from FIG. 7 will be described. First, when the banknote 51 is discharged to the banknote inlet / outlet 23 in S2, the discharge guide means 25
Is turned on (S2 '). Further, in the case of "there is a bill" in S8, the discharge guide means 25 is made to blink (S9 ').
Further, after closing the bill inlet / outlet lid 47 in S13 and S22, the discharge guide means 25 is turned off (S13 ') (S2).
2 ').

The discharge guide means 25 may display characters by the customer operation means 6 instead of the lamp. For example, instead of turning on the light, "Please take a bill." Instead of blinking, "There are still bills remaining." Instead of turning off, "Thank you." Is displayed on the customer operation means 6.

By visually notifying that there is a left-over margin, it is possible to convey the left-over margin to a person who has a weak hearing ability. It is desirable to use both visual guidance and voice guidance in combination because some people cannot see the eyes, but it is also possible to provide the remaining guidance only by the discharge guidance means 25.

In the embodiment, the residual paper money is detected by using the transmissive optical sensor, but the weight may be measured.
In this case, it is particularly effective for detecting heavy ejected objects such as coins.

Further, in the above embodiment, the bills are left unremoved, but it is possible to similarly guide other ejected objects.

Further, in the above embodiment, the transmissive optical sensor is used as the receiving operation detecting means, but it is also possible to perform the image processing by using the camera. The embodiment will be described below.

FIG. 11 is an explanatory diagram of an automated teller machine of one embodiment which detects a receiving operation by image processing and guides leaving a card / details slip.

Reference numeral 34 denotes a camera having an image processing function, which stores the image immediately after the card and the statement slip are released at the same time as a basic image, and continues to take the difference from the basic image while taking a picture. When there is no difference between the images near the card / details slip entrance / exit 21, the receiving operation is not performed, and when there is a difference, it is considered that the receiving operation is in progress. The camera 34 with the image processing function has “no operation” in the former case, and in the latter case. A signal indicating “there is an operation” is sent to the control means 10.

Reference numeral 35 is a card / details slip presence / absence detecting means, 52
Is a transaction card, and 53 is a statement slip, and the card / invoice slip presence / absence detection means 35 is a transaction card 52 and a bill presence / absence detection means 32 installed so that the transaction card 52 and the statement slip 53 shield light when the statement card 53 is released. It is a similar transmission type optical sensor.

The control method of this embodiment is similar to that of FIG. 7, and when the customer takes out one of the transaction card 52 and the statement slip 53 and does not take out the other, guidance is given for leaving the other. As described above, the present invention is effective in preventing leftovers when ejecting a plurality of objects into an entrance / exit having a size capable of grasping all the ejected objects at one time, and is applicable to any ejected object.
The present invention can be applied to any automatic transaction device such as a cash automatic transaction device, an automatic ticket issuing device, and an automatic vending machine. Further, the present invention can be applied to a plurality of entrances and exits with one automatic transaction device.

[0063]

As described above, according to the present invention, the user can detect the ejected object receiving operation, and if the ejected object remains after the receiving operation, the user is informed that the ejected object remains. Therefore, the user can know the leftovers, and since the user can be guided without leaving the automatic transaction device, the user can surely hear the guidance. In addition, since the guidance is provided during related operations, it is easy to recognize the content of the guidance, and the left-over position information is also given, so the user can recognize the need to search even when the left-over object is in a position where it is difficult to see. Since the guidance is provided both visually and audibly, people with weak hearing ability and people with weak visual acuity can notice that they have forgotten. In this way, the user can be surely made aware of the leftover, so it is possible to prevent the user from leaving without leaving the leftover and leaving the ejected object, and the user and the It is possible to prevent theft from occurring without bothering the installer of the automatic transaction device.

[Brief description of drawings]

FIG. 1 is a block diagram of an automated teller machine according to an embodiment of the present invention.

FIG. 2 is a perspective view of the automated teller machine of the embodiment of FIG.

FIG. 3 is a cross-sectional view of the banknote inlet / outlet showing a state immediately after the banknote is discharged and the customer has not taken out the banknote yet.

FIG. 4 is a cross-sectional view of the bill inlet / outlet showing a state in which a customer puts his / her hand.

FIG. 5 is a cross-sectional view of the banknote inlet / outlet showing a state where the banknote still remains after the customer takes out the banknote.

FIG. 6 is a sectional view of the bill inlet / outlet showing a state in which the customer has taken out all the bills.

FIG. 7 is a flowchart showing a control method relating to voice guidance after discharging a bill.

FIG. 8 is a cross-sectional view of a banknote inlet / outlet of another embodiment having a function of detecting a position of a leftover banknote.

FIG. 9 is a perspective view of an automated teller machine according to another embodiment including a visual guide means.

FIG. 10 is a flowchart showing a control method of an embodiment including a visual guide means.

FIG. 11 is an explanatory diagram of an automated teller machine according to still another embodiment of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Automatic teller machine, 2 ... Card / detailed slip handling means, 4 ... Banknote handling means, 6 ... Customer operating means, 7 ... Voice guidance means, 8 ... Customer presence detecting means, 10 ... Control means, 2
1 ... Card / Detail slip entry / exit, 23 ... Banknote entry / exit, 25 ...
Release guide means.

Claims (4)

[Claims] 1. An automatic transaction device for ejecting an object to an opening by a transaction operation of a user, an object presence / absence detection unit for detecting whether or not an emission object is present in the opening, and a user who receives the emission object. Receiving operation detecting means for detecting the operation of the user, and that the object remains in the user when the object presence detecting means detects the object after the receiving operation detecting means detects the user's emitting object receiving operation. And an object remaining guide means for guiding the user. 2. The automatic transaction according to claim 1, wherein the object residual guidance means is voice, and the object residual guidance is started within a preset time after the emission object grasped by the user leaves the opening space. apparatus. 3. The automatic transaction apparatus according to claim 1, further comprising object position detecting means for detecting a position of the residual object in the opening, and the object residual guide also includes residual object position information detected by the object position detecting means. . 4. An automatic transaction device for ejecting an object to an opening by a transaction operation of a user, an object presence / absence detection unit for detecting whether or not an emission object is present in the opening, and a user receiving the emission object. A receiving operation detecting means for detecting an operation and a discharge guiding means for guiding the user to receive the discharged object are provided, and after the object is discharged, the receiving operation detecting means detects the discharged object receiving operation of the user. In addition, after the receiving operation detecting means detects the emitting object receiving operation of the user and when the object presence detecting means detects an object, and the receiving operation detecting means detects the emitting object receiving operation of the user. An automatic transaction apparatus, wherein the guidance of the discharge guide means is different after and when the object presence / absence detection means does not detect an object.