JPH11175819A - Automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction machine with improved security that can execute a cash replenishment or a partial tightening operation from the device front. SOLUTION: A person in charge reset key insertion port is provided on the front side of a case body of an ATM. When a cash replenishing processing or a partial tightening processing is performed from the front side of the case body, a code of the person in charge is inputted through an input part with the person in charge reset key inserted in the above reset key insertion port. The ATM is provided with a collation part for collating the inputted code to a code registered in advance and, only when the matching of the codes is confirmed by the collation result, execution of the cash replenishing processing or the partial tightening processing is enabled.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus which is installed in a financial institution or the like and which allows a user to transfer and receive cash.

[0002]

2. Description of the Related Art In recent years, in financial institutions and the like, automatic transaction apparatuses for automatically depositing and withdrawing cash from users have been widely used. This type of automatic transaction apparatus is provided with an I.I.
The main business is to carry out cash deposit / withdrawal transactions and transfer transactions by inserting a D card or passbook. The cash required for the transaction is loaded in the device in advance, and if a shortage or empty cash is detected during the operation of the device, the cash can be replenished as necessary.

[0003] In such an automatic transaction device capable of depositing and withdrawing transactions, replenishment of cash is not necessary if the balance between the amount of cash deposited and the amount of cash disbursed is balanced. However, depending on the installation environment of the device and the date of handling, etc. Has a tendency that the amount of withdrawal is large and the cash in the apparatus as a whole decreases. Then, when the cash becomes insufficient or empty, it is necessary to replenish the cash. The cash replenishment method includes a rear replenishment for replenishing cash from the rear side of the apparatus and a front replenishment performed from the customer service side of the apparatus.

[0004] In the backside replenishment, the user enters a machine room of a financial institution or the like in which the rear side of the automatic transaction apparatus faces, opens the rear door of the apparatus, and loads cash into a load storage. Therefore, replenishing the rear side takes a relatively long time. On the other hand, the front replenishment can be processed in a short time by operating a clerk reset key provided on the customer service side of the automatic transaction apparatus, so that it is convenient when replenishing a small amount of cash. Also, in the case of partially tightening (receiving money by designating the denomination and the number of sheets), the operation can be performed from the front side of the automatic transaction apparatus by operating the attendant reset key, as in the case of front replenishment, which is convenient.

[0005]

However, in an automatic transaction apparatus capable of replenishing the front as described above, anyone who has a staff reset key can perform the front replenishing operation from the front side of the apparatus operated by a general customer. Is possible and there is a security problem. In other words, if the clerk reset key is lost or stolen, the cash in the device can be accessed by operating only the clerk reset key from the front of the device and operating only the screen that guides the payment transaction etc. Is a problem.

The present invention has been made in view of the above points, and an object of the present invention is to provide an automatic transaction apparatus capable of performing cash replenishment and partial closing operations from the front of the apparatus and having improved security. .

[0007]

In order to achieve the above object, an automatic transaction apparatus according to the present invention comprises: a customer service section facing a user; a delivery section provided in the customer service section for delivering cash; A display unit provided in the customer service unit, for selectively displaying an operation guide screen and a staff operation screen for the user, an input unit provided in the customer service unit for inputting processing information, and provided in the customer service unit According to the processing information input through the staff reset key insertion slot and the input unit, cash deposit / withdrawal processing for the user, cash replenishment processing using the delivery unit, and reimbursement processing to the delivery unit And a registration unit for registering the password of the clerk, and a password of the clerk is input via the input unit in a state where the clerk reset key is inserted into the clerk reset key insertion slot. Was done A collating means for collating the entered password and the registered password, and the matching means, when a match between the entered password and the registered password is detected, the cash A control unit for permitting the cash replenishment process and the reimbursement process by the processing unit.

According to the above-described automatic transaction apparatus, when performing cash replenishment or reimbursement processing from the customer service unit side, if a clerk reset key is inserted into the clerk reset key insertion slot, a clerk operation screen is displayed on the display unit. . In response to this, after selecting cash replenishment or reimbursement processing, when a password is input via the input unit, the collation unit collates the input password with a pre-registered password. Then, the selected cash processing is executed only when the matching of the personal identification numbers is confirmed by the collation result.

Further, the automatic transaction apparatus according to the present invention has a card insertion slot provided in the customer service section, a reading section for reading recorded information from the card inserted in the card insertion slot, and registering the recorded information of the card in advance. The registration unit, and when the card is inserted through the card insertion slot with the clerk reset key inserted into the clerk reset key insertion slot, the recording information read from the card by the reading unit and the registration A reconciliation unit that verifies the registered record information, and when the coincidence between the record information read from the card and the registered record information is detected by the collation unit, the cash replenishment process by the cash processing unit. And a control unit for permitting reimbursement processing.

[0010] According to the automatic transaction apparatus of the above configuration, when cash replenishment or reimbursement processing is performed from the customer service section side, the cashier reset key is inserted into the staff reset key insertion slot,
Further, when the card is inserted from the card insertion slot, the recording information is read from the card by the reading section, and the collation section collates the read recording information with the pre-registered recording information. Then, the selected cash processing is executed only when the matching of the record information is confirmed by the collation result.

[0011] Another automatic transaction apparatus of the present invention is a customer service unit facing the user, a delivery unit provided in the customer service unit for transferring cash, and an operation guide screen provided in the customer service unit for the user. And a display unit for selectively displaying a clerk operation screen, an input unit provided in the customer service unit for inputting processing information, a clerk reset key insertion port provided in the customer service unit, and via the input unit A cash processing unit for selectively executing a cash deposit / withdrawal process for a user, a cash replenishment process using the delivery unit, and a reimbursement process to the delivery unit according to the input processing information; A card insertion slot provided in the customer service section, a reading section for reading recording information from the card inserted in the card insertion slot, a registration section in which the recording information of the card and the personal identification number of the attendant are registered in advance, and the registration section Registered A collating unit for collating the received information with other information, and, when a card is inserted through the card insertion slot with the clerk reset key inserted into the clerk reset key insertion slot, the card is read by the reading unit. Collating the record information read from the above with the registered record information,
When the password matches, a password input screen is displayed on the display unit, and when the password of the attendant is input via the input unit, the input password is compared with the registered password, and input. A control unit for permitting the cash replenishment process and the reimbursement process by the cash processing unit when the registered password matches the registered password.

According to the automatic transaction apparatus having the above configuration, when the record information read from the card matches the record information registered in advance, and the input password matches the registered password. , And cash processing can be executed only for

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an automatic transaction apparatus (hereinafter referred to as ATM) according to an embodiment of the present invention will be described in detail with reference to the drawings. As shown in FIGS. 1 and 2, the ATM is a substantially rectangular box-shaped housing 2 as an apparatus main body.
And a substantially L-shaped customer service unit 3 facing the user is formed on the front surface of the housing 2. At the corner of the customer service section 3, a coin deposit / withdrawal port 9 for depositing coins, and a bill deposit / withdrawal port through which a large number of bills to be transferred or transferred or bills to be dispensed can be loaded or withdrawn at a time. 4 are provided. The bill receiving / dispensing port 4 functions as a delivery unit, and the bill receiving / dispensing port 4 is provided with a door 5 that can be opened and closed.

A display unit 6 composed of a color liquid crystal display device having a touch panel functioning as an input unit is provided on a horizontal surface of the customer service unit 3. The display unit 6 displays operation procedures and other information on the color screen by illustrations, characters or texts for the user, guides the user, and performs cash replenishment processing to the staff of the financial institution.
A clerk operation menu such as a reimbursement process and a failure handling screen such as a passbook jam and a card jam are displayed. At the same time, the display unit 6
Displays the password, the amount, the account number, and the key corresponding to the approval, confirmation or cancellation of the transaction. Then, when a displayed key is pressed, a touch sensor (not shown) detects this and a so-called key input operation of outputting a corresponding signal to a main control unit 11 described later is performed.

A card slot 7 for inserting a card on which a personal identification number and an account number are recorded and for outputting a transaction slip, and a passbook insertion slot for inserting a passbook are provided on the vertical surface of the customer service section 3. 8. A staff reset key insertion slot 10 for inserting and operating a staff reset key is provided.

In the housing 2, a main control unit 11 for controlling the operation of the entire ATM, a card inserted from the card insertion slot 7, and account information such as a personal identification number and an account number are received from a magnetic stripe part on the card. A magnetic card reader unit (reading unit) 12 for reading, a transaction processing unit 17 for printing transaction contents on a voucher and outputting it from a card insertion slot 7, reading information from a magnetic stripe of a passbook inserted from the passbook insertion opening 8, A passbook printer unit 13 for recording transaction contents on journal paper (not shown) is provided.

A bill receiving / dispensing unit 1 in the housing 2 accepts a paper defect inserted in the bill receiving / dispensing port 4 and pays out a designated amount of paper defect P to the person dispensing port 4.
4. A coin receiving / dispensing unit 15 configured to receive the coin C thrown into the coin receiving / dispensing port 9 and paying out a designated amount of coin C to the coin receiving / dispensing port 9, and a customer service unit 16 constituted by a display unit 6. , An internal monitor 18 is provided as a staff operation unit.

Further, in the housing 2, there is provided a disk drive 19 for driving a floppy disk 19a as a data file in which information on financial institutions required for the transfer transaction, for example, bank branch names are recorded in the order of the Japanese syllabary, A key detection unit 24 for detecting a staff reset key K inserted from the reset key insertion slot 10, a RAM 23 functioning as an information storage unit and a registration unit, and controlling data transmission between the main control unit 11 and a host computer (not shown) A transmission control unit 20 and a power supply unit 21 are provided.

In the main control section 11, recording information such as a password input through the display section 6 or an ID number read from a magnetic card by the magnetic card reading section 12 is registered in the RAM 23 in advance. A collation unit 25 for collating the password and the record information is provided.

The main control section 11 has a floppy disk 19a.
While referring to the upper part of the program read from, the printing unit, the reading unit, and the units 12 to 16, the internal monitor 18, the RAM 23, and the transmission control unit 20 are controlled to execute various transaction operations.

The main control unit 11 is connected to a remote monitor 22 for staff members provided outside the ATM 1. Then, the internal monitor 18 and the remote monitor 22
Thus, various processing such as detection of the position of the ATM 1, exchange of safes, replenishment of journals, and the like are instructed.

The rear wall of the housing 2 is constituted by a rear door 26 which can be opened and closed. Then, by opening the rear door 26, the magnetic card read unit 12, the passbook printer unit 13,
And the respective units 13 to 16 can be accessed.

Next, the configuration of the bill receiving / dispensing unit 14 functioning as a cash processing unit will be described in detail with reference to FIG. The bill receiving / dispensing unit 14 is roughly divided into an upper unit 30 and a lower unit 31.

First, the configuration of the upper unit 30 will be described. Customer service surface direction of upper unit 30 (left direction in the figure)
At the upper part, a bill receiving / dispensing port 4 is provided. Further, below the bill receiving / dispensing port 4, a bill accommodating chamber 32 capable of accommodating a large number of bills P collectively is formed. Bill storage room 3
A take-out device 34 for taking out the banknotes P in the banknote storage chamber 32 one by one by a take-out roller 33 is provided below the front part of 2. One wall surface of the bill storage room 3 is a back-up body 3 movable in a direction of coming and going with respect to the other wall surface.
5 so that the capacity of the bill storage chamber 32 can be changed. In addition, this backup body 35
When the bill is taken in, the bill P ejected to the bill accommodating chamber 32 is taken out and urged toward the roller 33 side.

In the lower part of the upper unit 30 in the customer service direction (left direction in the figure), the bill type of the banknote P, true / false, overlapped conveyance,
A banknote inspecting device 36 is provided as an auditing means for determining front and back, breakage, and the like, and a unit for controlling the operation of the entire unit is provided on the rear side of the banknote inspecting device, that is, at the center in the front-rear direction of the upper unit 30. A control unit 37 is provided.

Above the unit control section 37, there is provided a depositing temporary accumulating device 39 for temporarily collecting the deposited banknotes P into the depositing temporary accumulating section 38 with the front and back thereof being arranged. Further, the deposit temporary accumulation section 38 and the bill storage chamber 32
A temporary dispensing device 41 for temporarily accumulating the banknotes P to be paid to the customer at the time of dispensing in the dispensing temporary accumulating unit 40 and then discharging the banknotes P to the banknote accommodating chamber 32 is provided.

On the other hand, in the center of the lower unit 31 in the front-rear direction, the first safe 5 is arranged in order from the customer service surface direction (left direction in the figure).
0, a second safe 51, and a third safe 52 are arranged. Of these safes, the first safe 50 and the second safe 51 are used as a ten-yen storage for storing ten-thousand-yen bills,
The safe 52 is used as a 1,000 yen storage for storing 1,000 yen bills.

First, second, and third safes 50, 51, 52
Are provided with a bill taking-in mechanism 53 and a bill taking-out mechanism 54 at the upper end respectively, and function as a recycle store for taking out bills and paying the bills to the customer at the time of dispensing, while storing the paper money P received by the customer.

In the lower part of the lower unit 31 in the rear direction (right direction in the figure), three storage-type safes 60, 61, and 62 are arranged in a vertically stacked state. These storage-type safes 60, 61, and 62 are formed into a cassette to form a safe cassette 63, which can be integrally taken out of the housing 2.

The safe 60 at the top of the safe cassette 63 is a 5,000-yen / damage box for storing 5,000-yen bills and damaged tickets at the time of depositing, and the middle-safe 61 is a forgotten bank for storing bills left by customers. The storage and the safe 62 constitute a reject storage for storing rejected banknotes (excluded banknotes) at the time of withdrawal and payment.

An auxiliary safe 65 is provided above the safe cassette 63 so as to extend to the upper unit 32. Auxiliary safe 65 is provided with a storage for storing banknotes used for replenishment of recycled banknotes, and a first and a second at the time of the allocation process.
It is used as a transfer storage for temporarily collecting and storing the banknotes P in the second and third safes 50, 51, 52. When the bills in the bill depositing / dispensing unit 14 are insufficient, the ATM
By opening the rear door, banknotes can be replenished to the auxiliary safe 65.

The first to third safes 50, 51, 52, safe cassette 63, and auxiliary safe 65 function as a bill storage unit. A plurality of banknote transport paths R1 to R19 are formed between the banknote storage section 32 and the first to third safes 50, 51, 52, the safe cassette 63, and the auxiliary safe 65. Is provided with a transport mechanism for transporting bills through the bill transport path. The transport mechanism includes a number of transport belts, transport rollers, and the like arranged along the bill transport paths R1 to R19. Further, the transport mechanism includes a motor M as a drive source provided in the direction of the customer service surface (leftward in the figure) in the lower unit 31 and a driven portion such as a transport belt, a transport roller, or the like that transfers a driving force of the motor M. And a driving force transmission system 86 for transmitting the driving force to the driving force transmission system.

The banknote transport paths R1 to R19 are provided with a number of gates 70 for sorting the transport direction of the banknote P. Banknote storage unit 32, deposit accumulation unit 38, dispensing accumulation unit 4
A number of optical sensors 71 for detecting the presence / absence of a bill, passage of the bill, and a jam are provided in each part of the bill transport paths R1 to R19.

Next, various embedding operations of the banknote depositing / dispensing unit 14 having the above-described configuration will be described. First, in the depositing transaction, when the bill P is inserted into the bill accommodating chamber 32 from the bill depositing / dispensing port 4 and the insertion of the bill is detected by the sensor 71, these bills P are taken out by the backup body 35 of the take-out device 34 and the take-out roller 33. Pressed to. In this state, the unit controller 37 controls the drive motor 9
1 to rotate the take-out roller 33 clockwise. By the rotation of the take-out roller 33, the bills P in the bill accommodating chamber 4 are taken out one by one and sent to the bill transport path R1.

The unit controller 37 operates the transport motor M to drive the transport rollers, the transport belt, etc. of the transport mechanism.
0 is switched at a predetermined timing.

Thus, the bills P are transferred to the bill transport paths R1 to R1.
R4 is sequentially conveyed, and is guided to the deposit temporary accumulation device 39. At this time, for each bill P, the bill type, front and back, authenticity, overlapped conveyance, damage, damage, and the like are determined by the bill inspection device 36 provided in the bill conveyance path R2. After this, the depositing temporary accumulation device 3
The banknotes 9 are selectively sorted to the banknote transport path R5 or R6, and the front and back sides of the banknotes are temporarily collected.
8 temporarily.

The rejected banknotes P, which could not be read by the banknote inspection device 36, are moved to the banknote transport path R as indicated by the broken arrows.
After being guided from 6 to the withdrawal temporary accumulating unit 40 and accumulated, it is collectively returned to the bill accommodating chamber 32 via the bill transport path R7, and the door 5 is opened to be refunded to the customer and the re-investor is remunerated. Prompt.

When all the deposited bills P have been read, the deposited amount is displayed on the display unit 6. The customer checks the deposit amount,
If it is correct, the user presses a confirmation button on the display unit 6 with a built-in touch panel. When the confirmation button is pressed, the banknotes P in the depositing temporary accumulating section 38 are taken out one by one, and the banknote transport paths R8, R
1, and are sequentially conveyed through R2 and R9.

Then, the 10,000-yen banknote P and the 1,000-yen banknote P are guided to the banknote transport path R10 side, and the first safe (million-yen bank) 50 or the second safe (million-yen bank) 51, And a third safe (thousand yen storehouse) 52.

The 5,000-yen bill P and the damaged ticket are stored in the safe (5,000 yen / unfitted bill storage) 60 in the upper section of the safe cassette 63 through the bill transport path R12, as indicated by the dashed arrow. Further, the rejected banknote P is stored in a safe (reject storage) 62 at the lower stage of the safe cassette 63 through the banknote transport path R14, as indicated by a dashed arrow.

On the other hand, at the time of the withdrawal transaction, the banknote corresponding to the amount requested by the customer is the first safe (10,000 yen store) 50 or the second safe (10,000 yen store) 51 and the third safe (1,000 yen store). 5
Take out from 2. The taken out banknotes are sequentially conveyed through the banknote transport paths R10, R15, R2, R3, R4, R6, guided to the dispensing temporary accumulating device 41, and temporarily accumulated in the dispensing temporary accumulating section 40. Then, after the accumulation, the sheet is sent to the bill accommodating chamber 32 via the bill conveyance path R7 in a lump, and the door 5 is opened to be paid to the customer.

At this time, the rejected banknote P determined by the banknote inspection device 36 is sent to and stored in the safe (reject storage) 62 at the lower stage of the safe cassette 63 through the banknote transport path R14, as indicated by the dashed arrow. Is done.

At the time of the dispensing transaction, if the bill P paid out remains in the bill accommodating chamber 32 even after the lapse of a certain time, it is determined that "forgot". After the door 5 is closed, the banknotes P in the banknote storage chamber 32 are taken in one by one by the take-out roller 33, and the banknote transport paths R1, R2, R9,
Through R11 and R13, it is collected in the middle safe (forgot storage) 61 of the safe cassette 63.

On the other hand, when the bills in the bill depositing / dispensing unit 14 become short or empty, and the fact is displayed on the internal monitor 18 or the remote monitor 22, a bill replenishing operation is performed.

When the rear side of the bill is to be replenished, first, the rear door 26 of the housing 2 is opened using the door key, and then the rear door (not shown) of the bill receiving / dispensing unit 14 is opened using the safe key. . Then, the supplementary banknotes are loaded into the auxiliary safe 65,
A “cash replenishment key” on an internal panel (not shown) provided inside the rear door 26 is pressed. Then, after the banknotes in the auxiliary safe 65 are replenished, the banknotes in the auxiliary safe 65 are inspected by the inspecting unit 36, and then the first or third safes 50, 5 corresponding to each denomination.
1, 52. The replenishment result is printed and output on a slip and a journal.

Replenishment of bills can also be performed by front replenishment from the customer service side of the ATM. In addition to the front replenishment, from the customer service side of the ATM, it is possible to perform a partial tightening (repaid) process and a trouble process for avoiding a passbook jam and a card jam.

Here, the front replenishment means that when an empty bill or a near-end bill is detected in the bill depositing / dispensing unit 14, a small amount, for example, several hundreds of supplementary bills are immediately transferred to the bill receiving / dispensing unit 14. This refers to a process of replenishing banknotes by feeding them all at once or divided into a plurality of times from the spout 4 and performing a normal depositing operation.

Further, the partial tightening process means that, when the number of banknotes to be repaid is small, for example, several hundred, these banknotes are not returned to the auxiliary safe 65, but are used in a normal withdrawal transaction. Next, it refers to a process of paying out and remittance to the banknote depositing port 4 on the ATM customer service surface in a lump or in a plurality of times.

Next, the front face replenishment operation of the bill will be described in detail. As shown in FIG. 4, first, the attendant inserts the attendant reset key K into the attendant reset key insertion slot 10 and turns to the ON position (ST1). When the reset key-on is detected by the key detection unit 24, the main control unit 11
Is set to a manual pause state, and a failure processing screen is displayed on the display unit 6 when an ATM failure is occurring (ST2). The failure processing screen displays the details of the failure, the progress of the transaction (completed, unsuccessful, unknown) and the residual medium (card, passbook, cash, transfer paper, etc.) if a transaction is in progress. The leftover medium can be returned to the front.

If a fault has not occurred, the main control section 11 displays a staff processing screen on the display section 6 (ST4). Accordingly, various operation modes (degeneration of a transaction, setting of power on / off time, setting of presence / absence of a customer search function, etc.) and setting of a cash processing mode (front replenishment, partial closing) can be set via the display unit 6. Becomes possible.

When the operation mode is set through the display unit 6 (ST5, ST6), the main control unit 11 executes the set operation mode and ends the processing. When the cash processing mode is set (ST5), the clerk inputs a predetermined password through the display unit 6 (ST7).

When the personal identification number is input, the main control unit 11
The collation unit 25 collates the input personal identification number with the personal identification number registered in the RAM 23 of the ATM or the host computer in advance (ST8), and executes the set cash processing if they match. .

When the front-side replenishment is set, the door of the banknote pay-in / pay-out port 14 is opened, and when a replenishment banknote is inserted from the banknote pay-in / pay-out port (ST9), the main control unit 11
The cash replenishment operation is executed by the same operation as the normal deposit transaction (ST10). The front side replenishment uses the banknote pay-in / pay-out port 14 used by the customer for the normal banknote pay-in / pay-out transaction. If the replenishment amount is even larger, the front side replenishment can be executed in a plurality of times by pressing the continuous key on the display unit 6.

After the replenishment is completed, when the end key is pressed through the display unit 6, the main control unit 11 prints out the slip and the journal, and ends the front replenishment mode (ST11). On the other hand, when the partial closing is set, when the type of the closing money, the number of sheets, and the like are input by the attendant via the display unit 6 (ST12), the main control unit 11 performs the normal withdrawal transaction operation. Similarly to the above, the banknote of the set denomination is taken out from the safe and paid out to the banknote pay-in / pay-out port 14 (ST13). When the end key is pressed through the display unit 6 after the completion of the partial tightening, the main control unit 11 prints the tightening result on a slip and a journal (ST14). Then, the banknote deposit and withdrawal port 14 is
The partial tightening mode ends by taking out the bill from (ST15).

If the entered password and the registered password are not matched as a result of the collation, the main controller 11 determines that an error has occurred (ST16), and executes the set cash processing. Processing operation is temporarily stopped, and
Return to T2.

According to the ATM configured as described above,
When performing cash processing from the front side by the clerk, even after the clerk processing state is set by the clerk reset key, cash processing such as front replenishment and partial tightening cannot be executed unless a correct password is entered. It is configured. Therefore, even if the clerk reset key is a key common to many ATMs and is used by mistake at an ATM of another unit or another financial institution, execution of cash processing can be prevented, and safety can be improved. be able to.

Even if the clerk reset key is lost or stolen, cash processing cannot be executed and cash cannot be withdrawn from the ATM unless the correct password is known, thus improving security.

In the ATM having the above structure, the password is input when the cashier performs cash processing from the front side. Instead, an ID card owned by the staff is inserted into the card slot 7. Alternatively, a configuration may be adopted in which whether or not the cash processing is appropriate is determined by comparing the record information recorded on the ID card.

That is, as shown in FIG. 5, after the cash processing mode is set in ST5, when an ID card is inserted into the card insertion slot 7 (ST7), the main control section 11
Indicates that the magnetic data (recording information) is read from the ID card by the magnetic card read unit 12 and is collated by the collation unit 25 with card information registered in the RAM 23 or the host computer in advance (ST8). , A bill replenishment or partial tightening process is executed in the same manner as described above. Then, after executing the cash processing, the ID card is returned to the card insertion slot 7 (ST18), and the processing ends. The magnetic data read by the magnetic card reading unit 12 is recorded in the RAM 23 or the floppy disk 19a as a storage unit and stored as data of a card user.

Also in the ATM having such a configuration, cash processing can be performed from the ATM front side and security can be improved as in the above-described embodiment. When an ID card is used, a record of a staff member who has performed cash processing using a staff reset key can be left, and an effect of fraud prevention by the staff member can be obtained.

When the cash processing is performed from the front side of the ATM, the determination using the password and the determination using the ID card may be performed together. That is, as shown in FIG.
After the cash processing mode is set in ST5, when an ID card is inserted into the card insertion slot 7 (ST7), the main control unit 11 reads magnetic data (recording information) from the ID card by the magnetic card read unit 12. With RA
The password is compared with the card information registered in advance in M23 or the host computer (ST8), and if they match, a password input screen is displayed on the display unit 6.

When a predetermined password is input by the attendant via the display unit 6 (ST9), the main control unit 11 is activated.
The collation unit 25 collates the personal identification number registered in advance in the RAM 23 of the ATM or the host computer with the entered personal identification number (ST10). A partial tightening process is executed (ST11 to ST17). Then, after executing the cash processing, the ID card is returned to the card insertion slot 7 (ST18), and the processing ends.

In the ATM having such a structure, cash processing can be performed from the front side of the ATM, as in the above-described embodiment, and the appropriateness of cash processing can be improved in two steps, thereby further improving security. Improvement can be achieved. When an ID card is used, a record of a staff member who has performed cash processing using a staff reset key can be left, and an effect of fraud prevention by the staff member can be obtained.

In the embodiment shown in FIG.
When the cash processing mode is selected at T5, a guidance screen of "insert card or input of personal identification number" is displayed on the display unit 6, and either one is selected, and the matching result corresponding to the selected operation is appropriate. For example, the set cash processing may be executed.

The present invention is not limited to the above-described embodiment, but can be variously modified within the scope of the present invention. For example, in the above-described embodiment, cash processing of bills as cash has been described. However, the present invention is not limited to this, and a similar front face replenishment and partial tightening processing may be performed on coins.

[0066]

As described above in detail, according to the present invention, in addition to the operation of the attendant reset key, at least one of the password and the card information is used to check whether the cash processing is proper or inappropriate. Therefore, it is possible to provide an automatic transaction apparatus which can perform cash replenishment and partial tightening operation from the front of the apparatus and has improved security.

[Brief description of the drawings]

FIG. 1 is a perspective view of an automatic transaction apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram schematically showing the configuration of the entire automatic transaction apparatus.

FIG. 3 is a cross-sectional view showing a bill receiving / dispensing unit of the automatic transaction apparatus.

FIG. 4 is a flowchart showing an operation when cash processing is performed from the front side of the automatic transaction apparatus.

FIG. 5 is a flowchart showing an operation when cash processing is performed from the front side of the automatic transaction apparatus according to another embodiment of the present invention.

FIG. 6 is a flowchart showing an operation when cash processing is performed from the front side of still another automatic transaction apparatus according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus 3 ... Customer service part 4 ... Banknote deposit / withdrawal port 6 ... Display part 7 ... Card insertion slot 10 ... Staff reset key insertion slot 11 ... Main control part 14 ... Banknote deposit / withdrawal unit 15 ... Coin deposit / withdrawal unit 23 ... RAM 25: inquiry section

Claims (6)

[Claims] 1. A customer service section facing a user, a delivery section provided in the customer service section for transferring cash, and an operation guide screen and a staff operation screen for a user provided in the customer service section are selectively provided. A display unit for displaying, an input unit provided in the customer service unit for inputting processing information, a staff reset key insertion port provided in the customer service unit, and according to the processing information input via the input unit. A cash processing unit for selectively executing a cash deposit / withdrawal process for the user, a cash replenishment process using the delivery unit, and a reimbursement process to the delivery unit; and a registration unit for registering a password of a clerk. When a password of a clerk is input via the input unit with the clerk reset key inserted in the clerk reset key insertion slot, the entered password is compared with the registered password. Collation means And a control unit that permits the cash replenishment process and the reimbursement process by the cash processing unit when the matching unit detects the match between the input password and the registered password. An automatic transaction device, comprising: 2. A customer service section facing the user, a transfer section provided in the customer service section for transferring cash, and an operation guide screen and a staff operation screen for the user provided in the customer service section are selectively provided. A display unit for displaying, an input unit provided in the customer service unit for inputting processing information, a staff reset key insertion port provided in the customer service unit, and according to the processing information input via the input unit. A cash processing unit that selectively executes a cash deposit / withdrawal process for a user, a cash replenishment process using the delivery unit, and a reimbursement process to the delivery unit; and a card insertion provided in the customer service unit. An opening, a reading unit for reading recording information from the card inserted into the card insertion slot, a registration unit for registering recording information of the card in advance, and a state in which a clerk reset key is inserted into the clerk reset key insertion slot. When a card is inserted through the card insertion slot, a collating unit for collating the recorded information read from the card by the reading unit with the registered recorded information, and reading from the card by the collating unit. And a control unit for permitting the cash replenishment process and the repatriation process by the cash processing unit when a match between the registered record information and the registered record information is detected. apparatus. 3. A customer service section facing the user, a delivery section provided in the customer service section for transferring cash, and an operation guide screen and a staff operation screen for the user provided in the customer service section. A display unit for displaying, an input unit provided in the customer service unit for inputting processing information, a staff reset key insertion port provided in the customer service unit, and according to the processing information input via the input unit. A cash processing unit that selectively executes a cash deposit / withdrawal process for a user, a cash replenishment process using the delivery unit, and a reimbursement process to the delivery unit; and a card insertion provided in the customer service unit. A mouth, a reading unit for reading recording information from a card inserted into the card insertion slot, a registration unit for pre-registering recording information of the card and a personal identification number, and information registered in the registration unit and other information And illuminate And a collating unit that performs a registration when the card is inserted through the card insertion slot with the clerk reset key inserted into the clerk reset key insertion slot, and the recording information read from the card by the reading unit and the registration. The password is compared with the recorded information, and if the password matches, a password input screen is displayed on the display unit. When the password of the attendant is input via the input unit, the input password and the registered password are displayed. And a control unit that permits the cash replenishment process and the reimbursement process by the cash processing unit when the entered password matches the registered password. Automatic transaction device characterized by the above. 4. A customer service section facing the user, a transfer section provided in the customer service section for transferring cash, and an operation guide screen and a staff operation screen for the user provided in the customer service section are selectively provided. A display unit to be pinched, an input unit provided in the customer service unit for inputting processing information, a staff reset key insertion port provided in the customer service unit, and according to the processing information input via the input unit. A cash processing unit that selectively executes a cash deposit / withdrawal process for a user, a cash replenishment process using the delivery unit, and a reimbursement process to the delivery unit; and a card insertion provided in the customer service unit. An opening, a reading unit for reading recording information from the card inserted into the card insertion slot, a registration unit for pre-registering the recording information of the card and a password of a clerk, and a reset key for the clerk reset key insertion slot. When a card is inserted through the card insertion slot with the card inserted, the record information read from the card by the reading section is compared with the registered record information, and the staff reset key is inserted. When a password of a clerk is input via the input unit in a state where a clerk reset key is inserted in a mouth, a collating unit for collating the entered password with the registered password, Thus, one of the coincidence between the record information read from the card by the reading unit and the registered record information, or the coincidence between the inputted password and the registered password is detected. And a control unit for permitting the cash replenishment process and the reimbursement process by the cash processing unit. 5. The automatic transaction apparatus according to claim 2, further comprising a storage unit for storing record information read from said card by said reading unit. 6. The automatic transaction according to claim 1, wherein the control unit stops the cash processing when a mismatch is detected based on a result of the comparison by the comparison unit. apparatus.