JPH113450A - Automatic teller machine and automatic transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a user himself to visually recognize the counting state of bills without being seen by a third person, to confirm the number of the bills and to improve safety more by providing a transparent cover that makes the counting state of bills to be visually recognized. SOLUTION: A transparent cover 15 which is openable and closable is arranged at an opening part of a bill paying part 4. Optical sensors that constitute a counting means which consists of a light emitting element 17 and a light receiving element 18 which detect the number of bills and output a count signal are arranged in the part 4 and further, a bill ejecting slot 19 which ejects a bill one by one faces it. A bill paying unit 24 takes out a bill from a bill storing part 41 which stores many bills one by one through taking out rollers 42, and after an inspecting part 44 inspects the bill through a carrying rollers 43, the bill is carried to the slot 19 through ejecting rollers 45. Thus, you visually confirm the number of bills which are counted with an optical sensor through the cover 15 yourself.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an automatic transaction apparatus.

[0002]

2. Description of the Related Art In recent years, financial institutions such as banks have introduced a large number of automatic transaction devices such as automatic teller machines (ATMs), and by increasing the functions of these automatic transaction devices, users have been provided with a variety of functions. Serviceability has been improved.

[0003] Usually, the improvement of the serviceability to the user by the automatic transaction apparatus as described above is performed from the viewpoint of shortening the waiting time of the user and improving the operability.

By the way, in a conventional automatic transaction device,
When performing a withdrawal process of transferring a bill to a user, a bill dispensing unit in the automatic transaction apparatus is configured to discharge the bill to a bill dispensing port while counting the number of bills to be dispensed at a high speed. This is intended to reduce the waiting time of the user and the processing time of the automatic transaction apparatus.

[0005]

However, in the case where the above-described conventional automatic transaction apparatus is installed at a predetermined location such as a retail store, for example, rather than at one of the transaction locations of a financial institution, and is used for user transaction processing. In addition, the bill counting process is performed in a place inside the body that cannot be directly viewed by a user, and the bill counting speed is very high (for example, 1).
0 / sec), the user who receives the bill cannot immediately check the amount with his own eyes, and after taking out the bill from the bill outlet, counts the number of bills himself, It is necessary to check whether the amount is the desired amount.

[0006] As a result, it is complicated for the user, and an unspecified third party can see the state of counting the number of banknotes, leading to a theft case. In some cases, some cards may be accidentally lost, and there is a problem in terms of security from the viewpoint of improving the serviceability to users.

[0007] Therefore, the present invention provides an automatic transaction apparatus that is more excellent in security, in which the user can visually check the counting state of bills to be received by the user without seeing it by a third party, and check the number of bills. The purpose is to provide.

[0008]

According to the first aspect of the present invention, there is provided an automatic transaction apparatus in which a banknote dispensing section having a recessed portion for removing a banknote provided in a transaction operation area for a user of the automatic transaction apparatus body. And a bill discharging means for discharging bills to the bill dispensing section in accordance with a transaction operation by a user, and the number of bills arranged in the bill dispensing section and discharged from the bill discharging means to the bill dispensing section. Counting means for counting the number of bills, and a transparent lid which is openably and closably disposed at an opening of the bill dispensing section and allows the counting state of the bills by the counting means to be visually recognized. .

According to the present invention, the user can visually check the counting state of the number of bills discharged to the bill dispensing unit without being seen by a third party through the transparent lid, and can safely confirm the state. It is possible to provide an automatic transaction apparatus that is more excellent in terms of performance.

An automatic transaction apparatus according to a second aspect of the present invention provides a banknote dispensing section having a recessed portion for taking out a banknote provided in a transaction operation area for a user of the automatic transaction apparatus main body, and dispensing the banknote. A bill discharging means for discharging a bill in accordance with a transaction operation by a user to the section, and a counting means arranged on the bill dispensing section and counting the number of bills discharged from the bill discharging means to the bill dispensing section; A transparent cover that is openably and closably disposed at an opening portion of the bill dispensing unit and allows the counting state of the bills to be visually recognized by the counting unit, and the number of bills for the automatic transaction apparatus main body provided in the transaction operation area. Operation display means for displaying transaction operation information including a confirmation button and various transaction processing information accompanying the transaction processing, and a bill dispensing unit by the bill discharging means depending on whether or not the number confirmation button is pressed on the operation display means. Of the release rate of the bill is characterized in that a control means for controlling the lower-speed or normal speed normal.

According to this invention, the user himself / herself can see the counting state of the number of bills discharged to the bill dispensing section to a third party through the transparent cover when the number confirmation button on the operation display means is pressed. It is possible to provide an automatic transaction device that can be visually confirmed and confirmed without being checked, and that is more excellent in safety.

According to a third aspect of the present invention, in the automatic transaction apparatus according to the second aspect, the operation display means displays a guidance message for confirming the number of bills together with the number confirmation button. It was done.

According to the present invention, in the automatic transaction apparatus according to the second aspect, a guidance message for confirming the number of bills is displayed together with the number confirmation button, so that the user is informed of whether or not to confirm the number. It can communicate and provide more granular services.

According to a fourth aspect of the present invention, in the automatic transaction apparatus according to the second aspect, the operation display means increases the number of bills counted by the counting means when the number confirmation button is pressed. Is displayed.

According to the present invention, in the automatic transaction apparatus according to the second aspect, the state in which the number of bills counted by the counting means is increased by pressing the number confirmation button by the operation display means is displayed. The number of sheets can be confirmed more accurately.

According to a fifth aspect of the present invention, there is provided an automatic transaction method, comprising the steps of: By means, the banknotes are discharged one by one according to the transaction operation by the user, and the number of bills discharged from the banknote discharging means to the banknote dispensing section is counted by the counting means arranged in the banknote dispensing section, The counting state of the bills by the counting means can be visually recognized through a transparent lid that is openably and closably disposed at an opening of the dispensing section.

According to this invention, the user himself / herself can visually confirm the counting state of the number of bills discharged to the bill dispensing unit without being seen by a third party through the transparent cover. Accordingly, it is possible to provide an automatic transaction method that is more excellent in safety by using the configuration of the automatic transaction device.

In the automatic transaction method according to the present invention, the bill is discharged to a recessed banknote dispensing section provided in a transaction operation area for a user of the automatic transaction apparatus main body for taking out the banknote. By means, the banknotes are discharged one by one according to the transaction operation by the user, and the number of bills discharged from the banknote discharging means to the banknote dispensing section is counted by the counting means arranged in the banknote dispensing section, The counting state of the bills by the counting means is made visible through a transparent lid that is openably and closably disposed at the opening of the dispensing unit, and the number of bills confirmation button is displayed by the operation display means provided in the transaction operation area. The release speed of the bills to the bill dispensing section by the bill discharging means is controlled by the control means to a lower speed or a normal speed depending on whether or not the number confirmation button is pressed.

According to this invention, when the number confirmation button on the operation display means is pressed, the user himself / herself can see the counting state of the number of bills discharged to the bill dispensing unit through a transparent cover to a third party. The automatic transaction has a wide range of choices that allows the automatic transaction apparatus to count the number of banknotes without depressing the number confirmation button. A trading method can be provided.

An automatic transaction apparatus according to a seventh aspect of the present invention is a banknote dispensing section having a recessed portion for removing a banknote provided in a transaction operation area for a user of the automatic transaction apparatus body, and dispensing the banknote. A bill discharging means for discharging a bill in accordance with a transaction operation by a user to the section, and a counting means arranged on the bill dispensing section and counting the number of bills discharged from the bill discharging means to the bill dispensing section; A transparent cover that is openably and closably disposed at an opening portion of the bill dispensing unit and allows the counting state of the bills to be visually recognized by the counting unit, and the number of bills for the automatic transaction apparatus main body provided in the transaction operation area. Operation display means for displaying transaction operation information including a confirmation button and various transaction processing information associated with transaction processing, and paper to the bill dispensing unit by the bill discharging means when the number confirmation button in the operation display means is pressed. Is controlled to a lower speed than normal, and when the number confirmation button is not pressed, the release speed of the bill to the bill dispensing section by the bill discharging means is controlled to a normal speed, and the bill dispensing by the bill discharging means. And control means for controlling the transparent cover to be in an open state after the process of discharging the bill to the unit is completed.

According to the present invention, as in the case of the second aspect of the present invention, when the number confirmation button on the operation display means is pressed, the count of the number of bills to be discharged to the bill dispensing section is changed by the transparent cover. The user himself / herself can see and confirm without being seen by a third party, and is even more excellent in safety.Also, the selection range of leaving the counting of the number of bills to the automatic transaction device without pressing the number confirmation button is It is possible to provide an automatic transaction device having the same.

According to an eighth aspect of the present invention, in the automatic transaction apparatus according to the sixth or seventh aspect, the discharge speed of the bills controlled by the control means, which is lower than normal, is two to three bills per second. The normal release speed is about 10 sheets per second.

According to the present invention, since the release speed of the banknotes lower than normal is about 2 to 3 per second, and the normal release speed is about 10 per second, it can be used for the release speed lower than normal. It is possible for a person to sufficiently check the counting state of the number of banknotes.

[0024]

Embodiments of the present invention will be described below with reference to the accompanying drawings.

FIG. 1 shows an automatic transaction apparatus (AT) according to the present embodiment.
FIG. 2 is a perspective view showing M) 1 and FIG.
It is an enlarged view which sees transparently the part of the banknote dispensing part 4 of FIG.

A transaction operation area 2 on the front of the automatic transaction apparatus 1 has a recessed banknote dispensing section 4 into which banknotes can be collectively inserted or removed and a touch sensor built-in which is operated by a user. An operation display unit 5 including a color CRT is provided.

An openable and closable transparent cover 15 is disposed in the opening of the bill dispensing section 4. A light emitting element for detecting the number of bills and outputting a count signal is provided in the bill dispensing section 4. 1
An optical sensor 16 which constitutes a counting means composed of a light receiving element 7 and a light receiving element 18 is arranged, and a bill outlet 19 for discharging bills one by one faces the bill dispensing section 4.

On the color CRT of the operation display section 5, a number confirmation button 5a, which will be described later, an operation procedure associated with the transaction processing, various kinds of guidance information as shown in FIGS. On the screen to guide customers. Further, by touching a part of the touch sensor panel corresponding to display of numbers, katakana, alphabets, and characters of confirmation and cancellation with a finger, it is possible to input numerical information and the like of a desired transaction amount. .

On the other hand, on a vertical surface of the transaction operation area 2, a card slot 6 for receiving a card as a transaction medium in which a personal identification number, an account number, an issuing bank code and the like are recorded on a magnetic stripe, A passbook port 7 for receiving a passbook or a transfer card as a medium, a receipt port 8 for discharging printed receipts (special notes), a coin slot 9 for inputting a large number of coins at a time, and a collective operation for ejected coins. A coin receiving slot 10 for receiving coins, a staff key 11 operated by a staff, and the like are provided.

Here, with reference to FIG. 3, a schematic configuration of the bill dispensing unit 24 for sending bills to the bill discharge port 19 facing the bill dispensing section 4 will be described with reference to FIG.

The bill dispensing unit 24 takes out bills one by one by a take-out roller 42 from a bill accommodating section 41 for accommodating a large number of bills, and audits the bills by an inspection section 44 via a feed roller 43. The bill is sent out to the bill outlet 19 by the sending roller 45. In front of the delivery roller 45, for example, a gate 46 is provided to prevent the bill required to be re-inspected by the inspection unit 44 from being delivered to the bill outlet 19 and to guide the bill to the reject storage 47. The take-out roller 42, the feed roller 43, and the feed roller 45 are driven by a drive unit (not shown) using a motor, a gear, and the like that operate under the control of the main control unit 29 described later.

Controlled by the main control unit 29, the bill dispensing unit 4 is normally discharged at a rate of about 10 sheets per second through the bill discharge port 19, and the user checks the number of sheets as described later. When the button is pressed, the bills are sent out at a discharge speed of about two or three sheets per second, which is lower than usual.

Next, a control system of the automatic transaction apparatus 1 will be described with reference to FIG. In the housing 1A of the automatic transaction apparatus 1, a card reader unit 21, a receipt printer unit 22, a passbook printer unit 23, a bill dispensing unit 24 for performing processing for sending bills to the bill dispensing unit 4, and a coin dispensing unit. 25, a customer service unit 26 including the operation unit 5, a voice guidance unit 27, an internal monitor 2
8 is provided.

The automatic transaction apparatus 1 includes a floppy disk unit 30, a transmission control unit 31, a main control unit 29 for controlling the entire apparatus, a power supply unit 33, and the like.

The card reader unit 21 reads account information such as a personal identification number and an account number from a magnetic stripe of a card used for a normal transaction received from the card slot 6, and also returns the card to the card slot 6. It has become.

The receipt printer unit 22 issues a receipt (statement slip) on which the contents of the transaction are printed, or prints the self-diagnosis result on the receipt, and
It is designed to be discharged from.

The passbook printer unit 23 includes:
The transfer card is issued by recording the transfer information of the transfer transaction on the transfer card's original ticket, and the transfer card is issued from the passbook mouth 7 or further transferred to the magnetic stripe of the transfer card received from the passbook mouth 7 For reading and writing.

The bill dispensing unit 24 also executes processing for discriminating, counting and storing bills which have been put into the bill dispensing section 4 collectively.

The coin dispensing unit 25 discriminates, counts, and stores coins that have been collectively inserted into the coin insertion slot 9, and if necessary, picks up a predetermined number of coins previously stored in a safe. The coins are paid out from the coin receiving slot 10 in a lump.

The voice guidance unit 27 guides the operation of the customer by voice.

The internal monitor 28 informs the staff involved in the operation of the automatic transaction apparatus 1 of the status of the apparatus,
The operator inputs operation instructions.

The main control unit 29 diagnoses the remaining amount of various media (banknotes, coins, receipt paper, journal paper, transfer cards, etc.) and checks the operation of each unit 21 to 27 (check). ).

A remote monitor 34 is connected to the main control unit 29 as needed, so that monitoring can be performed from a distance. The remote monitor 34 is controlled by the main control unit 29 and displays substantially the same information as the internal monitor 28. When an abnormality occurs in the automatic transaction apparatus 1, the abnormality is detected by using a buzzer or other sounding means. To inform.

The main control unit 29 is connected to a host computer via a transmission control unit 31 and a communication line, so that customer information recognized by the host computer is transmitted.

Next, the operation of the automatic transaction apparatus 1 will be described with reference to FIGS. 5 to 7 and mainly on the processing of dispensing bills to the bill dispensing section 4 (delivery processing).

A user who intends to carry out a withdrawal transaction by using the automatic transaction apparatus 1 inserts a card into the card slot 6, for example, and selects a normal withdrawal process in the operation display section 5 ( Step S1) When the user inputs his / her personal identification number and transaction amount, after the user confirmation processing, the deposit balance determination processing, and the like are performed, the bill dispensing unit 24 is controlled by the main control unit 29. Then, the banknotes are discharged one by one to the banknote dispensing unit 4 via the banknote discharge port 19 according to the input information of the transaction amount by the user. In this case, the discharge speed of the bills to the bill dispensing section 4 is normally executed at about 10 per second.

Under the control of the main control unit 29, the screen of the operation display unit 5 displays that the transaction is being processed and a number confirmation button 5a as shown in FIG. Is displayed (step S2).

Here, when the user presses the number confirmation button 5a, the speed at which the bill dispensing unit 24 discharges the bills to the bill dispensing section 4 is about two sheets per second, which is lower than usual. At the same time, the counting process of the number of bills by the optical sensor 16 arranged in the bill dispensing section 4, that is, the state in which the number of bills is increased and updated, and a guide message thereof are displayed on the screen of the operation display section 5 as shown in FIG. Is displayed in the form shown in FIG.

Thus, the user can visually confirm the number of bills counted by the optical sensor 16 via the transparent cover 15 in addition to the display on the operation display section 5 (step S3).

The bill dispensing section 4 by the bill dispensing unit 24
When the processing of discharging the bills to the banknote is completed, the transparent cover 15 is opened under the control of the main control unit 29, and the user takes out the banknote group whose number has been confirmed together with the card and the receipt from the banknote dispensing unit 4 ( In step S4), an action such as immediately putting it in a wallet can be executed.

On the other hand, in step S2, if the user does not press the number confirmation button 5a, the bill dispensing unit 2
The release speed of the bills to the bill dispensing unit 4 by the banknote 4 remains at the normal speed of about 10 per second, and when the process of discharging a predetermined number of bills to the bill dispensing unit 4 is completed, the main control unit Under the control of 29, the transparent cover 15 is opened, and the user takes out the banknote group together with the card and the receipt from the banknote dispensing section 4 (step S5).

Thus, according to the present embodiment,
The counting of the number of banknotes can be confirmed through the transparent opening / closing lid 3, and at the stage of taking out the banknotes from the automatic transaction apparatus 1, the user does not need to directly count the number of banknotes. That is, since it can be stored in a wallet or a bag immediately after being taken out, even in an environment where the automatic transaction apparatus 1 is installed in a corner of a retail store, for example, there is a possibility that the banknotes are scattered or stolen. Can be reduced, and it is possible to provide a service that is easy for the user to use and that is kind and highly secure.

[0053]

According to the present invention described above, the following effects can be obtained.

According to the first aspect of the invention, the user himself / herself can visually check the counting state of the number of bills discharged to the bill dispensing unit without being seen by a third party through the transparent cover. It is possible to provide an automatic transaction apparatus that can be confirmed and that is more excellent in safety.

According to the second aspect of the present invention, when the number confirmation button on the operation display means is pressed, the user himself / herself counts the number of bills discharged to the bill dispensing section through the transparent cover. It is possible to provide an automatic transaction apparatus that can be visually confirmed and confirmed by itself without being seen by three parties, and that is more excellent in safety.

According to the third aspect of the present invention, it is possible to provide an automatic transaction apparatus capable of providing a user with guidance as to whether or not to check the number of sheets and providing a more detailed service.

According to the fourth aspect of the present invention, it is possible to provide an automatic transaction apparatus capable of more accurately confirming the number of bills.

According to the fifth aspect of the present invention, the user himself / herself can visually check the counting state of the number of bills discharged to the bill dispensing section without being seen by a third party through the transparent cover. It is possible to provide an automatic transaction method that can be confirmed and that is more excellent in safety.

According to the sixth aspect of the present invention, the user himself / herself sees the counting state of the number of bills discharged to the bill dispensing section through a transparent cover to a third party by pressing the number confirmation button. It is possible to provide an automatic transaction method having a selection range that allows the automatic transaction apparatus to count the number of banknotes without pressing the number confirmation button and to check the number of bills without pressing the number confirmation button. it can.

According to the seventh aspect of the present invention, when the number confirmation button is pressed, the user himself / herself sees the counting state of the number of bills discharged to the bill dispensing unit through a transparent cover to a third party. It is possible to provide an automatic transaction apparatus having a wider range of selection that allows the automatic transaction apparatus to check the number of bills without depressing the number confirmation button and to check the number of bills without depressing the number confirmation button. .

According to the eighth aspect of the present invention, it is possible to provide an automatic transaction apparatus in which a user can sufficiently check the counting state of the number of bills when the discharge speed is lower than usual.

[Brief description of the drawings]

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

FIG. 2 is an enlarged view showing a bill dispensing portion according to the embodiment of the present invention in a see-through manner.

FIG. 3 is a schematic configuration diagram of a bill dispensing unit and a bill dispensing unit according to the embodiment of the present invention.

FIG. 4 is a block diagram showing a control system of the automatic transaction apparatus according to the embodiment of the present invention.

FIG. 5 is a flowchart showing a flow of processing of the automatic transaction apparatus according to the embodiment of the present invention.

FIG. 6 is a diagram showing a display example of a number confirmation button on an operation display unit of the automatic transaction apparatus according to the embodiment of the present invention.

FIG. 7 is a diagram showing a display example of the number counting state of the operation display unit of the automatic transaction apparatus according to the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 4 Bill dispensing part 5 Operation display part 5a Number confirmation button 15 Transparent lid 16 Optical sensor 19 Bill discharge port 24 Bill dispensing unit 29 Main control part

Claims (8)

[Claims] 1. A recessed banknote dispensing unit provided in a transaction operation area for a user of an automatic transaction apparatus main body for taking out a banknote, and bills are supplied to the banknote dispensing unit according to a transaction operation by a user. And a counting means arranged on the bill dispensing section for counting the number of bills discharged from the bill dispensing section to the bill dispensing section, and opening and closing the opening of the bill dispensing section. And a transparent cover which is disposed so as to be able to visually recognize the counting state of the bills by the counting means. 2. A recessed banknote dispensing section provided in a transaction operation area for a user of an automatic transaction apparatus main body for taking out a banknote, and bills are supplied to the banknote dispensing section in accordance with a transaction operation by a user. And a counting means arranged on the bill dispensing section for counting the number of bills discharged from the bill dispensing section to the bill dispensing section, and opening and closing the opening of the bill dispensing section. A transparent cover body that is disposed as possible and allows the counting state of bills by the counting means to be visually recognized, and for transaction operation information and transaction processing including a button for confirming the number of banknotes for the automatic transaction device main body provided in the transaction operation area. An operation display means for displaying various transaction processing information associated therewith, and, depending on whether or not the number confirmation button is pressed on the operation display means, a speed at which the bill discharging means discharges a bill to a bill dispensing unit at a speed lower than normal. or Automated teller machine, characterized in that it comprises control means for controlling the normal speed, the. 3. The automatic transaction apparatus according to claim 2, wherein the operation display means displays a guidance message for confirming the number of bills together with the number confirmation button. 4. The automatic transaction apparatus according to claim 2, wherein said operation display means displays a state in which the counted number of bills is increased by said counting means in response to pressing of said number confirmation button. 5. A banknote dispensing unit for taking out a banknote provided in a transaction operation area for a user of an automatic transaction apparatus main body, which accepts a transaction operation by a user by means of a banknote discharging means. The banknotes are discharged one by one, and the number of bills discharged from the banknote discharging means to the banknote dispensing section is counted by the counting means arranged in the banknote dispensing section, and arranged at the opening of the banknote dispensing section so as to be openable and closable. An automatic transaction method, wherein the counting state of bills by the counting means is made visible through a transparent cover. 6. A banknote dispensing unit for taking out a banknote provided in a transaction operation area for a user of the automatic transaction apparatus main body for taking out a banknote according to a user's transaction operation by a banknote discharging means. The banknotes are discharged one by one, and the number of bills discharged from the banknote discharging means to the banknote dispensing section is counted by the counting means arranged in the banknote dispensing section, and arranged at the opening of the banknote dispensing section so as to be openable and closable. The counting state of the bills by the counting means can be visually recognized through the transparent cover, and the number of bills confirmation button is displayed by the operation display means provided in the transaction operation area, depending on whether or not the number confirmation button is pressed. ,
Controlling the release speed of the bill to the bill dispensing section by the control means at a lower speed or a normal speed. 7. A recessed banknote dispensing unit provided in a transaction operation area for a user of an automatic transaction apparatus main body for taking out a banknote, and bills are transferred to the banknote dispensing unit according to a transaction operation by a user. And a counting means arranged on the bill dispensing section for counting the number of bills discharged from the bill dispensing section to the bill dispensing section, and opening and closing the opening of the bill dispensing section. A transparent cover body that is disposed as possible and allows the counting state of bills by the counting means to be visually recognized, and for transaction operation information and transaction processing including a button for confirming the number of banknotes for the automatic transaction device main body provided in the transaction operation area. Operation display means for displaying various transaction processing information involved, When the number confirmation button in the operation display means is pressed, the discharge speed of the bill to the bill dispensing section by the bill discharge means is controlled to a lower speed than usual. When the number confirmation button is not pressed, the release speed of the bill to the bill dispensing unit by the bill discharging unit is controlled to a normal speed, and after the processing of releasing the bill to the bill dispensing unit by the bill discharging unit is completed, the transparent operation is performed. An automatic transaction device comprising: a control unit that controls a lid to be in an open state. 8. The automatic release device according to claim 6, wherein a discharge speed of the banknote controlled by the control means, which is lower than normal, is about 2 to 3 per second, and a normal discharge speed is about 10 per second. Trading equipment.