JPS61121190A - Automatic transactor - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device that executes various transactions such as withdrawal transactions.

[Technical pre-invention WA] Conventionally, a cash machine automatically pays the cash requested by the user by accepting a magnetic card containing account information submitted by the user and communicating with a host computer (center). Automated transaction devices such as payment machines are rapidly developing as automated teller equipment at banks and credit companies, and are being introduced at banks and credit companies to provide prompt services to users.

In addition, each bank and credit company is working to increase the number of customers and
For the convenience of customers, more and more of these devices are being installed outside stores in areas where many people gather. Such automatic teller machines installed outside stores are operated unmanned, and many devices are monitored by a remote monitor installed at a remote location. For this reason, there have been problems in that customers do not know how to use the device, or if a problem occurs, it is not possible to give appropriate instructions to the customer. Additionally, there was a problem in that it was not possible to give instructions on the spot to the staff (or maintenance staff) who replenish cash or slips, make repairs, or handle troubles, or receive a report on completion. For this reason, when a problem occurs, it is a security problem for the customer and the staff member to leave the device, so it is desirable that both customers and staff can talk to the staff member at the remote monitor while they are present. Therefore, we installed an Inter 7-on on the front of the device as a hands-free telephone for conversations between customers or staff and the remote monitor, and a handset-type telephone on the back of the device that allows conversations between the staff and the remote monitor. Telephones are now available.

[Problems in the Background Art] However, in the above-mentioned devices, either an interphone is provided on the front of the device as a hands-free telephone for conversation between the customer or staff member and the remote monitor side, or a certain ε ) is either equipped with a handset-type telephone on the back side of the device for conversation between the staff member and the remote monitor, or the customer or staff member who cannot make a call must use another means of communication, such as a telephone. I had to use it to communicate. For this reason, when a problem occurs, it is a security problem for customers and staff to leave the device, and there is a problem in that communication cannot be carried out smoothly, which especially causes anxiety to the customers.

[Purpose of the Invention] This invention was made in view of the above circumstances, and its purpose is to enable quick communication between customers and staff and monitoring means, and in particular to reduce the anxiety of customers. Moreover, the objective is to provide an automated transaction device that is safe in terms of security.

[Summary of the Invention] In order to achieve the above object, the present invention provides a first door provided at the front of the device used by the customer when the rear door of the device is closed.
A communication circuit is formed between the communication means of the monitoring means, which is installed at a remote location, and is connected by a dedicated line and has a communication means, and when the above door is open, the communication means inside the rear door of the tiM used by the staff A communication circuit is formed between the second communication means provided in the monitoring means and the communication means of the monitoring means.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, there is a CRT
Display section 3, PIN code, numeric keys for inputting money,
A keyboard 4 including a confirmation key, a U key, etc. is provided. The CR1 display 8IS3 is for displaying operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user.

In addition, on the vertical surface of the operation unit 2, there is a bill dispensing port 5' for discharging bills to be dispensed, a display 6 for guiding the discharging of bills to be dispensed, and a transaction medium in which a personal identification number and account information are recorded. A card insertion lower for inserting a magnetic card, a card from which the magnetic card is ejected and a slip (receipt) is ejected, a slip ejection port 8, an indicator 9 for guiding the insertion and removal of the magnetic card, during handling, Handling indicator 10 to indicate discontinuation of handling. A call button 11 for calling a staff member when the customer is unsure of the operation method, an interphone hole 12 provided corresponding to an interphone (not shown) in the main body 1, and a buzzer (not shown) in the main body 1. (not shown)
A buzzer hole 13 is provided corresponding to the buzzer.

As shown in FIG. 2, on the back side of the main body 1, there is provided a rear door 1a that is opened and closed by an attendant who replenishes and processes cash or slips, and troubleshoots problems. Inside the rear door 1a, that is, inside the main body 1, there is an opening/closing switch 14 for detecting opening/closing of the rear door, which accepts the card inserted from the card insertion lower, and stores account information such as a PIN number and account number from the magnetic stripe on the card. A card consisting of a magnetic card reading section 15 that reads the transaction information and records the transaction details on a journal paper (not shown), and a slip printing device 16 that issues a slip with transaction results printed thereon from the card and slip ejection port 8;
A slip handling unit, a dispensing unit 17 that dispenses banknotes of a specified amount to the bill dispensing unit 05, an internal monitor 18 for staff, a power supply unit 19, and a remote monitor 42 for staff on the device side.
Handset type telephone 2 for talking with the staff on the side
0 is set. The telephone 1120 has a receiver 21,
It is composed of a receiver hook 22 and a hook switch 23.

FIG. 3 shows the electrical circuit. That is, the main control section 31 that controls the whole, the magnetic card reading section 15,
When a call is made from a remote monitor 42, which will be described later, by a dispensing unit 16, a customer service unit 32 consisting of the CRT display section 3, etc., and a buzzer 33, a long tone (second tone) of about 5 seconds is emitted as a ring tone for the staff member. In addition, when the screen display is switched, a buzzer drive unit 34 is used to guide the customer by emitting a short tone (first tone) as a sound to inform the user of the change. An interphone 35 consisting of a speaker and a microphone serves as a hands-free telephone for talking with the attendant, an internal monitor 18 for the attendant to perform functional tests, etc., a floppy disk 36 on which information necessary for transactions is recorded, A transmission control unit 37 that controls data transmission between the main control unit 11 and a host computer (center) not shown, and a built-in modem that performs data transmission between the transmission control unit 37 and the host computer (center) not shown. 38. Main control unit 11 and remote monitor 42
A supervisory transmission control section 39 that controls data transmission between the supervisory transmission control section 39, a modem 40 that transmits data between the supervisory transmission control section 39 and the remote monitor 42, a total memory 41 that stores the cumulative total of transactions, and a power supply section. 19 are provided. Further, the main control section 31 is connected to the monitoring transmission control section 39, a modem 40, and a remote monitor 42 for use by a staff member provided outside via a dedicated line.

An interphone 35 or a telephone 8120 is connected to the modem 4Q via the open/close switch 14. This allows the customer or the staff member on the device side to talk to the staff member on the remote monitor 42 side using the intercom 35 or the telephone 1120.

At this time, customers can have a conversation without having to touch any of the controls.

Next, the operation of such a configuration will be described with reference to the flowcharts shown in FIGS. 4(a) and 4(b). For example, a customer is now standing in front of this device. Then, the main control section 31 causes the CRT display section 3 to display a message saying "Welcome, please insert your card" (STI).

Next, the customer inserts the card into the card insertion lower according to the instructions (Sr1>. Then, the card is taken into the magnetic card reading section 15, and the PIN number recorded on the magnetic stripe section by a magnetic head (not shown) is read. Account information such as the account number is read (Sr3), the above account information is checked by the main control unit 31 (Sr1),
If it is determined that the card is incorrect, the main control unit 31 performs error processing. Further, if the main control unit 31 determines that the card is correct, it causes the CRT display unit 3 to display "Please press your PIN number" (Sr1).

Next, the customer follows the instructions and enters the PIN number by pressing down on the numeric keypad in the keyboard 4 (S
r1). By inputting this password, the main control unit 31 determines whether the passwords match (5T7), and if they do not match, performs password re-input processing. Furthermore, if the passwords match, the main control section 31 causes the CRT display section 3 to display "Please press payment amount" (Sr8). Upon inputting this amount, the main control unit 31 transmits a payment message based on the payment amount and the account information read from the card to a host computer (center) not shown (Sr9).
. At this time, the main control section 31 causes the CRT display section 3 to display "Currently processing the computer. Please wait for a while" (ST10).

Then, when a payment permission message is returned from the host computer in response to the sent payment message (ST11), the main control unit 31 outputs the payment permission to the payment unit 17, and the payment unit 17 makes a withdrawal. Perform the action (ST1
2>. Next, the main control unit 31 instructs the slip printing device 16 to issue a slip, and causes the slip printing device 16 to issue a slip (ST13). At the same time as this slip is issued, the card is ejected from the magnetic card reading section 16 (ST13). At this time, the main control section 11
The display section 3 displays "Please receive the card and slip" and the display section 9 flashes to instruct the user to take out the card and slip (ST14). Then,
The customer receives the card and slip in accordance with this guidance (ST
15).

When the card and the slip are taken out, the payment banknotes are withdrawn from the dispensing unit 17, that is, the banknote dispensing port 5 (ST16
). At this time, the main control unit 31 displays “Please receive cash” on the CRT display unit 5 and flashes the 1 display unit 6 to instruct the withdrawal of cash (S
T17). Next, the customer receives cash in accordance with this guidance (ST18). When this cash is withdrawn, the payment process ends.

It should be noted that each time the operation guidance on the CRT display section 3 is switched, the main control section 31 drives the buzzer 33 to generate a short sound, thereby instructing the user to change the operation guidance by sound.

Next, a case where an abnormality occurs during a transaction as described above will be explained. For example, if the card is not returned to the customer, the main control unit 31 causes the handling display 10 to indicate that handling has been discontinued, and also displays a guidance message on the CRT display unit 3 that says "Please press the staff call button" (ST20).
). In response to this guidance, the customer presses the call button 11 (ST21). Then, the calling signal is transmitted to the remote monitor 42 via the main control section 31, supervisory transmission control section 39, modem 40, and telephone line (ST22>
. As a result, an alarm (not shown) of the remote monitor 42 issues an alarm. At this time, since the rear door 1a of the main body 1 is closed, the open/close switch 14 is
It is set on the side. For this reason, this inter 7 on 3
5 and a telephone (not shown) of the remote monitor 42 are connected via a modem 40 and a dedicated line. As a result, the staff member on the remote monitor 42 side can communicate with the customer by using the telephone in response to the alarm and provide instructions such as "please wait until the staff member arrives" (ST23). ). Therefore, the customer can know that the system will not be restored until the staff arrives at the device, and can take appropriate steps.

Then, the staff member arrives at the device and opens the rear door 1a (ST
24). Then, the open/close switch 14 is switched to the telephone 20 side. Thereby, this telephone 120 and a telephone (not shown) of the remote monitor 42 are connected via the modem 40 and the dedicated line (ST25). As a result, the data that the staff member opened the rear door 11a is displayed on the remote monitor 42.
is supplied to Then, the staff member on the device side picks up the handset 21 of the telephone 20 (ST26). Then, by turning on the hook switch 23, a calling signal from this telephone 8I20 is transmitted to the remote monitor 42 (S
T27>. As a result, the person in charge of the remote monitor 42 is called, and a conversation can be made between the telephone (not shown) of the remote monitor 42 and the telephone 20 (ST28). ), you can make calls between them.

Also, a case will be described in which a person in charge of the apparatus is called from the remote monitor 42. That is, a call button (not shown) on the remote monitor 42 is pressed (ST31). Then, the calling signal is transmitted to the main control unit 31 via the telephone line, modem 40, and three supervisory transmission control units (
ST32).

As a result, the monarchy plate section 31 issues a long sound using the buzzer 33 to call the staff on the device side (ST33).
. This ring tone is a long tone different from the sound used during normal operation guidance, so even if the staff member is on the front or back side of the device, the call from the remote monitor 42 can be easily distinguished. It has become. If there is an attendant behind the device in response to this call, the attendant will
0 picks up the receiver 21 (ST34). In this case, since the rear flIa is open, the open/close switch 14 is switched to the telephone 20 side, and this telephone 2° and a telephone (not shown) of the remote monitor 42 are connected via the modem 40 and a dedicated line. .

Therefore, when the hook switch 23 is turned on, the telephone set (not shown) of the remote monitor 42 and the telephone set 20
You can talk to and from. Therefore, the remote monitor 42
A conversation can be made between the staff at the terminal and the staff at the back of the device (ST35).

In addition, if there is a staff member on the front side of the device, the rear door 1a can be closed at 35.
and a telephone (not shown) of the remote monitor 42 are connected to the modem 4.
0 and is connected via a dedicated line. therefore,
The staff member uses the intercom 35 to remotely monitor 42.
You can talk to the staff at

Note that the same operation as described above will occur even if another abnormality occurs during the transaction.

As mentioned above, depending on the opening/closing of the rear door, the customer and the staff member on the remote monitor side can talk using the interphone and the remote monitor's telephone, and the telephone on the device side and the remote monitor's telephone can communicate with each other. This allows the person in charge on the device side and the person in charge on the remote monitor side to talk over the phone. As a result, when a customer or staff member makes an inquiry to the remote monitor, the inquiry can be made promptly and the inquiry can be taken.

Responses can be requested from the remote monitor, and crime prevention such as cash theft can also be carried out.

In the above embodiment, a buzzer is used to call the attendant and provide guidance on switching operations, but a human voice or a chime may be used instead.

In addition, an automatic cash payment line was used as an automatic transaction device, but
The present invention is not limited to this, and other devices such as a cash withdrawal bank may also be used.

[Effects of the Invention] As described in detail above, according to the present invention, an automatic transaction device is provided that allows quick communication between customers and staff members and monitoring means, particularly reduces customer anxiety, and is safe in terms of security. can be provided.

[Brief explanation of the drawing]

The drawings show an embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, FIG. 2 is an internal configuration diagram from the back side, FIG. 3 is a diagram showing the configuration of main parts of an electric circuit, and FIG. FIG. 4 is a flowchart for explaining the operation. 2... Operation unit, 3... CRT display unit, 4... Keyboard, 5... Bill withdrawal port, 8... Card, slip ejection port, 11... Call button, 14... - Opening/closing switch, 15... Magnetic card read section, 16... Slip printing device, 17... Dispensing unit, 18... Internal monitor, 19... Power supply section, 20... Telephone, 21 ...
Receiver, 22... Receiver hook, 23... Hook switch, 31... Main all 8 parts, 32... Customer service unit, 33... Buzzer, 34... Buzzer drive unit,
35...Interphone, 37...Transmission control unit, 3
8...Built-in modem, 39...Supervision and Transmission Control Department, 40
. . . Modem, 41 . . . Total memory, 42 . . . Remote monitor (external device). Applicant's agent Patent attorney Takehiko Suzue Figure 1 Figure 2

Claims (3)

[Claims] (1) In automatic transaction devices that perform various transactions such as deposit transactions and withdrawal transactions, a first communication means is provided on the front of the device used by customers, and a first communication means is provided in the door on the rear of the device used by staff. a second communication means, a monitoring means installed at a remote location and connected by a dedicated line and having a communication means, a detection means for detecting the opening/closing of the door, and a detection result by the detection means indicating whether the door is closed. In this case, a communication circuit is formed between the first communication means and the communication means of the monitoring means,
An automatic transaction device comprising means for forming a communication circuit between the second communication means and the communication means of the monitoring means when the detection result is that the door is open. (2) The automatic transaction device according to claim 1, wherein the monitoring means is a remote monitor. (3) The automatic transaction device according to claim 1, wherein the communication means is a telephone or an intercom.