JPS61893A - Automatic cash 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 [Field of Application of the Invention] The present invention relates to an automatic teller machine, and particularly to one suitable for use even by visually impaired people.

[Background of the invention]

In recent years, the number of automated teller machines (ATMs) and automated teller machines (CDs) installed in financial institutions such as banks and post offices has increased, and the number of users of these devices has also increased.

In addition, the new banknotes scheduled to be issued in the fall of 1980, 10,000 yen, 5,000 yen, and 1,000 yen, will be marked with special marks so that visually impaired people can distinguish the denomination. become. Due to consideration for visually impaired people in such new banknotes, A
It is expected that opportunities for visually impaired people to use TM and CD will increase.

By the way, in order to accommodate visually impaired people, in the conventional device, a speaker is attached to the operation console so that the operation can be guided by sound from the speaker. However, when a speaker is attached to a control console, the sound is difficult to hear due to surrounding noise, and if multiple ATMs or CDs are installed, the sound from the neighboring machine may be heard, which may cause operation to become confusing. There is a risk of incorrect operation. Furthermore, since the operating keys for visually impaired users are the same as those for sighted users, it takes time for visually impaired users to search for automatic keys.

[Purpose of the invention]

In view of the above-mentioned circumstances, the present invention aims to provide an automated teller machine that allows not only sighted users but also visually impaired people to perform transaction operations reliably and easily.

[Summary of the invention]

The present invention focuses on the fact that in order for a visually impaired person to conduct a transaction, a dedicated operation panel and voice guidance are required to make it easier for the visually impaired person to enter a PIN number, payment amount, etc. , and the focus is on the fact that the user can clearly understand the voice guidance and that the details of the transaction are not overheard by others.

That is, the present invention includes a magnetic card that displays at least whether the user is visually impaired or not, a speaker that instructs at least an initial operation, and a user who inserts the magnetic card into the card entrance according to the initial operation instruction from the speaker. A card section that detects whether or not the user is visually impaired based on the magnetic card when inserted, an operating mechanism for users who are not visually impaired to perform transaction operations, a dedicated operating section for visually impaired users to perform transaction operations, and A telephone receiver each having a voice part that provides voice guidance on how to operate the Mukuro dedicated operation part; a mechanism that automatically performs a transaction for a user when the card part detects that the user is not visually impaired; and the card part. When the user is detected as a visually impaired person by the department, the user is instructed by the voice part of the handset to operate a dedicated operation part, and the system automatically performs transactions for the visually impaired person. ,
[Embodiments of the Invention] Hereinafter, the present invention will be described with reference to the accompanying drawings. The attached drawings illustrate the present invention as an automatic cash dispensing device (hereinafter simply referred to as CD).
FIG. 1 is an overall perspective view of the CD.

That is, in the CDI of the embodiment, as shown in FIG. A receiving opening 4 for receiving payment banknotes is formed at a position below the entrance 3.

A pressure-sensitive pine door 5 is installed on the floor in front of the device main body 2, and the pressure-sensitive pine door 5 detects when a user stands, and directs the user to a position near the receiving port 4. Initial and final operations, etc., can be instructed and guided by voice from a speaker attached to the device.

In addition, the operation console of the main unit 2 of the device is equipped with an operation key 1 for users without visual impairments to enter their personal identification number, billing amount, etc.
2 is provided, and an operation guidance display section 11 is provided which displays visual instructions to the user on how to operate the operation key section 12. A telephone receiver 20 is installed.

As shown in an enlarged view in FIG. 2, the handset 20 is provided with an operation key part 21 for a visually impaired person to input a personal identification number, payment amount, etc., and an operation key part 21 on the top thereof. Voice part 22 for giving voice instructions on how to operate the part 21
is provided. The operation keys 21 are shown in arithmetic numbers and kanji on the surfaces of the key buttons 21a to 21g in order to make them easier to understand in the drawings, but visually impaired people can read them by touch. Sea urchin braille is engraved,
Moreover, the respective key buttons 21a to 21g are arranged in one place.

Next, the overall configuration of CDI will be described with reference to FIG. Third
In the figure, reference numeral 10 denotes an operating mechanism 820 consisting of the aforementioned operation guidance display section 11 and operation key section 12, which is a telephone receiver corresponding to FIGS. 1 and 2. 25 is for a visually impaired person to pick up the handset 2.
This is a receiver/phone receiver detector that detects that a 0 is received and that the receiver 20 that received the message is returned to its original position.

40 is a slip card mechanism consisting of a magnetic card section 41 and a transaction statement/journal printing section 42. The magnetic card section 41 detects when the user inserts the magnetic card 5 into the card entrance 3, and also detects when the user inserts the magnetic card 5 into the card entrance 3.
It is now possible to detect whether a user is visually impaired or not.

Therefore, the magnetic card 5 displays whether or not the person is visually impaired.

The magnetic card section 41 is also capable of reading a personal identification number from the magnetic card 5, writing the number of discrepancies on the magnetic card, and the like. The transaction statement/journal printing unit 42 prints transaction details on statement slips and journals. Reference numeral 50 denotes a bill payment mechanism for discharging payment bills into the receiving slot 4, which includes, for example, a million yen bill safe 51 for storing ten thousand yen bills and a thousand yen bill safe 52 for storing thousand yen bills.

Reference numeral 60 denotes a voice guidance mechanism, which creates the wording of the voice to be outputted via the speaker 65 and the voice unit 22 of the receiver 200.

The speaker 65 provides an audio guidance mechanism 6 to the user.
0 indicates at least an initial operation.

That is, the initial operation is to detect when the user stands on the pressure-sensitive mat and insert the magnetic card 5 into the card entrance 3. In addition, 76 is a detector for detecting that a user stands on the pressure-sensitive pine door 5, and 70 is a CD
This is the power supply section of I.

80 processes and stores data between the respective mechanisms.

A control unit that controls inspection and various mechanisms, and operates according to an internally stored program. 85 is a control unit 80
This is an interface control unit that connects the controller and the central system head. The central system 90 inquires about user information,
Updates etc. are performed and the processing results are sent to the control unit 80.

Next, the procedure of CDI payment transaction will be explained with reference to the flowchart of FIG.

Now, when the CD 1 is in the operating state by turning on the power supply section 700, when the user stands on the pressure-sensitive pine door 5, the detector 76 of the pressure-sensitive pine door 5 detects this (step 100).
In response to the input from the voice guidance mechanism 60, the speaker 65 performs the initial operation, that is, outputs the voice "Welcome, please insert your card" (101).In that case, the detector 76 detects Otherwise, the process will be repeated until it is detected.

When the user inserts the magnetic card 5 into the card entrance 3 (102), the magnetic card unit 41 of the slip card mechanism 40 reads the data on the magnetic card 5 (103). In that case, if a magnetic card is not inserted, processing will continue until the magnetic card detector detects it.

The card data read from the magnetic card is sent to the control unit 80.
(104), and if the test result is valid, the next process is performed, but if it is not valid, the speaker 65 returns the card (104).
05), and the magnetic card 5 is returned by the magnetic card section 41 (106).

If the card data is valid, it is determined whether or not the user is visually impaired based on the code in the card data (107). If the result of the determination is that the user is not visually impaired, step In the case of a visually impaired person, the following processing is performed.

That is, if the user is visually impaired, the buzzer of the handset 20 will sound (108), and the speaker 65 will output a voice saying 'Please pick up the handset with the buzzer sounding' (108).
109). At this time, the visually impaired person lifts the receiver (
110), the buzzer stops sounding when it is detected by the detector 25, but if the handset is not lifted, the buzzer will continue to ring until it is lifted.

When the buzzer stops when the handset 20 is lifted, the audio guidance mechanism 60 alerts the visually impaired person to the handset 20.
Guidance on how to operate is outputted by voice from the voice generating unit 22 of. 1
For example, if you are instructed to input using the operation key part 21 of the handset 20 and want to listen to the instructions again, press "Again".
If you have any questions or concerns and want to call a staff member, you will be guided to press the call button 21b. Next, the voice output unit 22 outputs a voice saying ``Press the PIN number'' (111), and the visually impaired person presses the operation key 21 to input the PIN number. It is monitored whether the password is input in a predetermined format (for example, a 4-digit number) (112).If the password is not input, the next process will not be performed until it is input.

When the PIN number is input, the PIN number is compared with the PIN data read from the magnetic card (113).

If the verification results in a mismatch, unless the number of mismatches exceeds a certain value (114), a voice saying "Please try again" will be output (115), so the visually impaired person can enter again. If the number of discrepancies exceeds a certain value, the process moves to step (2), which will be described later.

Also, if the verification results in a match, the next step ■
Move to. That is, as shown in FIG.
Please press the withdrawal amount. Finally, the voice message "Please press the Yen" button 21f is output (116). 0The visually impaired person then operates the operation key 21 to input the withdrawal amount and press the "Yen" button 21f. (117) and
It is inspected whether the withdrawal amount is in the prescribed format (11
8). If the withdrawal amount is not in the predetermined format as a result of this check, it is calculated whether the number of inputs of the amount exceeds a certain value of 2 (119), and as long as the number of inputs of the amount does not exceed 2 of the certain value,
"Please press the withdrawal amount again" audio output 1
% If the number of withdrawals of the above-mentioned amount exceeds a certain value of 2, the process moves to step 2 similarly to step 114. That is, in step ■, as shown in Figure 5, the voice unit 22 informs us that the balance is insufficient, and we cannot make the payment, and Kai is informed that the PIN number is incorrect, and then "Please return the receiver to its original position" is output (131).The visually impaired person then returns the receiver to the original position (131).
132), and when the handset detector 25 detects this, the speaker 65 outputs a voice saying "Return the card" (133), and the magnetic card unit 41 returns the magnetic card 5 to the card population 3. (134).

If the check (118) reveals that the withdrawal amount is in the predetermined format, the voice part 22 will say "The withdrawal amount is XX million XX thousand yen. If you agree, press the "Confirm" button 21e; if not, press the "Cancel" button. "Please press 21d" is output (121).This allows visually impaired people to "confirm".
When the button 21e is pressed (122), the transaction information is sent to the central system 90 via the interface control unit 85 (123). The central system 90 queries and updates internally stored customer information based on the transaction information, and sends the processing results to the control unit 80 via the interface/control unit 85.
send to

When the processing result from the central system 90 permits payment (124), the control unit 80 causes the banknote payment mechanism 50 to take out the desired banknotes from the safes 51 and 52, and count the amount of the transaction banknotes. (125). At that time, the details of the transaction are printed on the slip by the statement journal printing unit 42 of the slip card mechanism 40 (126), but if payment is not permitted, a comment from the central system 90, for example, a comment regarding insufficient balance, is printed on the slip (126). etc. will be printed.

Then, the transaction statement slip is conveyed to the counted banknotes (127), and payment permission is confirmed again (129), whereby the next step (2) is performed.

That is, as shown in FIG.
It's x yen.・You will be prompted by voice (128), and then you will be prompted to "please receive your card" (135), and the card will be returned to card number 3. As a result, when a visually impaired person pulls out the card (137), the voice guidance section 22 will prompt the user to "Please return the receiver to its original position" (137).
38). When the visually impaired person returns the receiver 20 to its original position,
When the handset detector 25 detects this (139), the speaker 65 outputs a voice saying "Please accept the cash. Thank you very much." (140)
, cash and transaction slips are discharged to the receiving slot 4 by the banknote payment mechanism 50. This allows visually impaired people to
The transaction is completed by receiving cash and transaction slip from the bank.

Note that if the processing from the central system 90 disapproves payment, a comment from the central system 90, such as a comment about insufficient balance, is printed on the slip (126), and the transaction slip is conveyed onto the conveyance path toward the receiving port. (127), and the disapproval of the payment is confirmed again (129), and the voice unit 22 issues an instruction from the central system 90, for example, ``Insufficient balance.Payment is not possible'' ( 130). Subsequently, the user is prompted to put the receiver 20 back on (131), and after the following steps 132 to 134 are performed, the speaker 65 is instructed to receive the transaction statement slip, and the transaction statement slip is received. It is discharged to the receiving port 4.

This allows visually impaired people to receive transaction statements.

As a result, visually impaired people can use the specially installed telephone receiver 20.
, instructions are given by the voice part 22 of the handset, and input can be made by operating the operation part 21, so transactions can be carried out easily and reliably. By still using the receiver 20, guidance can be given to the user close to the user's ear, so that interference noise from the surroundings can be prevented, the guidance can be reliably conveyed, and the contents cannot be overheard by others.

Furthermore, since the operation section 21 is arranged in one place, it becomes easier to search for a desired button and to operate it.

Next, we will discuss the case where the user is not a visually impaired person but a sighted person.

In this case, steps 100 to 107 are the same as in the case of a visually impaired person, so they are omitted.

As a result of the determination in step 107, if it is determined that the user is not visually impaired, the process moves to step (2) as shown in FIG. is displayed (150).Thereby, when the user inputs the password using the operation key part 12 of the operation mechanism 10, the input of the password is monitored (151) in the same manner as in step 112.In that case, The time value for monitoring user input operations is different for visually impaired and sighted people.In other words, sighted people have a smaller monitoring time value than visually impaired people. .

Upon input of the password, the password is checked (152) in the same manner as in step 113. As a result of the inspection, if the verification does not match, the process is performed in the same manner as in step 114, and if the number of mismatches does not exceed a certain value, the operating mechanism 1
0's operation guidance display section 11 displays "Please press the password again" (154) to instruct the user to perform the operation again.

In addition, if the verification results in a match, the operation guidance display section 11 will display "Please press the withdrawal amount" (15
5). The following processing is performed in substantially the same way as in the case of a visually impaired person. However, for sighted users, input is made by operating the operation key part 12 of the operation mechanism 10, and when payment is approved or rejected, the information is displayed on the operation guidance display section 11 and the speaker 65. Instructions will be provided with voice guidance.

Therefore, a sighted user will not be confused about the operation because he/she only has to operate a part of the operation keys in the same way as in a general ATM.

〔Effect of the invention〕

As described above, the present invention is configured so that a sighted user can perform transaction operations by using an operating mechanism, and a visually impaired user can perform transaction operations by using a telephone receiver. Not only users who can see, but also users with visual impairments can easily and reliably conduct transactions.

[Brief explanation of drawings]

Figures 1 to 8 illustrate the present invention as an automatic cash dispensing device (CD).
Fig. 1 is an overall perspective view of the CD, Fig. 2 is an enlarged front view of the receiver, Fig. 3 is a block diagram showing the overall configuration of the CD, and Fig. 4 shows the operation of the CD. 5 is a flowchart showing the process A in FIG. 4, FIG. 6 is a flowchart showing the process C in FIG. 5, FIG. 7 is a flowchart showing the process in FIG. 4, and FIG. 7 is a flowchart showing the process E in FIG. DESCRIPTION OF SYMBOLS 1... Automatic cash dispensing device (CD), 5... Magnetic card, 10... Operation mechanism, 20... Telephone receiver, 21...
・Part of operation key, 22... Voice part, 40... Slip card allowance mechanism, 50... Bill payment mechanism, 60... Voice guidance mechanism, 65... Speaker, 80... Control unit, 90... central system. Agent Patent Attorney Tadashi Akimoto Figure 1 Figure 2 Figure 3 Figure 4 Figure 6 Figure 7 Figure 8

Claims (1)

[Claims] a magnetic card that displays at least whether or not the user is visually impaired; a speaker that instructs at least an initial operation; A card part that detects whether a person is visually impaired or not from a card, an operation mechanism for a user who is not visually impaired to perform transaction operations, a dedicated operation section for a visually impaired person to perform transaction operations, and operation of the dedicated operation section. a telephone receiver each having a voice part that instructs the method by voice;
means for automatically transferring banknotes to and from the user when the card section detects that the user is not visually impaired; and when the card section detects that the user is visually impaired, the visually impaired user 1. An automated teller machine comprising means for automatically transferring banknotes to and from a visually impaired person based on an instruction from a voice part of the telephone receiver to the person and an operation of an operating part by the visually impaired person.