JPS63184187A - 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] [Field of Industrial Application] The present invention relates to an automatic transaction device used in financial institutions such as banks, and particularly to an automatic transaction device equipped with a cash deposit and withdrawal mechanism for processing cash deposits and withdrawals. It is related to the device.

[Conventional technology]

Automated transaction equipment used in financial institutions such as banks (
ATMs) are widely used because they enable various transactions to be carried out by customers themselves, and in particular, recent efforts have been made to improve the processing speed of the cash deposit/withdrawal mechanism, which is the main part of the machine, in order to improve the operating efficiency of the machine. Efforts are being made to speed it up.

FIG. 4 is a perspective view showing the external appearance of a conventional automatic transaction device of this type. In the figure, 1 is a housing of the device, and the customer service section at the upper front of the device is provided with the following components.

First, reference numeral 2 is the passbook insertion/return slot for inserting and returning the deposit passbook.A passbook entry machine is installed behind it, and the passbook issued to the customer by the financial institution is inserted into this passbook insertion/return slot at the time of transaction. When the passbook is inserted through passbook 2, the details of the transaction are recorded in the passbook, and when the transaction is completed, the passbook is returned to the customer through passbook insertion/return port 2.

3 is a card insertion/return slot; a card reader/writer is provided at the back of the card insertion/return slot 3; when a card issued to a customer by a financial institution is inserted through the card insertion/return slot 3, the card is inserted into the card slot/return slot 3; The data written on the card can be read using a card reader/writer.

Reference numeral 4 indicates an interphone 7 on, which is used when pressing an attendant call button 5 provided below and having a conversation such as consultation with an attendant.

Reference numeral 6 denotes a transaction status display section, in which transaction contents currently specified, such as "withdrawal,""passbookentry,""deposit," etc., are selectively displayed.

Reference numeral 7 denotes a status display section for displaying the status of the device, whether it is being handled or discontinued.

Reference numeral 8 denotes an operation guide display section using a CRT display, which sequentially displays operation procedures.The customer can operate each key described below in accordance with the procedure displayed on this operation guide display section 8.

9 is a transaction selection key. This transaction selection key 9 allows you to specify a deposit transaction such as a deposit or a payment transaction.
0 is a numeric keypad, and this numeric keypad 10 is used to enter a password and payment amount.

Reference numeral 11 indicates a confirmation key that is pressed when the user agrees to continue the transaction without canceling the deposit transaction, such as a deposit transaction, and 12 is a cancellation key that is pressed when the transaction is canceled. Both keys 1
1.12 is used as an instruction means by which the customer instructs approval or disapproval of transaction execution.

Reference numeral 13 denotes a deposit/withdrawal port corresponding to the cash deposit/withdrawal mechanism built into the housing 1, which is a part for the customer to insert deposited banknotes and receive paid banknotes, as well as a return port for returning deposited banknotes. It also functions as a receipt issuing port.

In this configuration, deposit transactions and withdrawal transactions are performed as follows.

First, the customer presses the transaction selection key 9 to specify the type of transaction, then inserts the card into the card insertion/return slot 3, and then presses the numeric keypad 10 to input the PIN number. Correspondence with is checked.

However, this check is not necessarily necessary if the transaction is a deposit.

Here, in the case of a deposit transaction, the shutter of the deposit/withdrawal port 13 opens, and when the customer inserts banknotes from the deposit/withdrawal port 13 into the cash deposit/withdrawal mechanism in the housing 1, the shutter closes.
The inserted banknotes are then sent one by one to a discrimination section, which will be described later, where the authenticity, denomination, and counting are performed.

As a result, the banknotes that are identified as unreadable or counterfeit are returned to the deposit/withdrawal port 13 as returned banknotes, the shutter is opened again, and the banknotes are returned to the customer.

On the other hand, the banknotes that are identified as genuine banknotes are considered to be depositable banknotes, and the amount and quantity of each denomination are displayed on the operation guidance display section 8.

When the customer confirms the display and presses the confirmation key 11, the transaction is completed and the deposit process for the depositable banknotes is performed.

After the payment process is completed, the card is inserted into the card insertion return slot 3.
If the passbook has been inserted into the passbook insertion/return slot 2 in advance, the passbook that has been recorded by the passbook entry machine will be returned from the passbook insertion/return slot 2, and then the shutter of the deposit/withdrawal slot 13 will be returned. opens and a receipt is released.

On the other hand, if the customer presses the cancel key 12 after seeing the above display, the transaction will be unsuccessful, and after the banknotes that can be deposited are returned to the deposit/withdrawal slot 13, the shutter will be opened and the banknotes will be returned to the customer, and the card will be returned to the customer. , the passbook will be returned.

Next, in the case of a withdrawal transaction, when the customer inputs the requested payment amount and denomination by pressing the numeric keypad 1o, the contents are displayed on the operation guidance display section 8.

If the customer sees the displayed content and determines that it is correct, press the confirmation key 1.
When 1 is pressed, the transaction is completed, and the banknotes are dispensed from the safe of the cash deposit/withdrawal mechanism, and after passing through the verification section, are sent to the deposit/withdrawal port 13 together with a receipt sheet.

Then, the shutter of the deposit/withdrawal port 13 is opened, the banknotes are paid to the customer together with the receipt, and the card and passbook are returned.

FIG. 5 is a schematic side view of the cash deposit/withdrawal mechanism installed in the automatic transaction device of FIG.
It is located inside the shutter of the deposit/withdrawal port 13.

Reference numeral 15 denotes a separating and feeding section provided directly below the banknote input/reception section 14, which has a suction drum 16, and separates the banknotes received from the banknote input/reception section 14 one by one by suction. It is designed to be delivered by hand.

Reference numeral 17 includes an optical sensor, a magnetic sensor, a discrimination circuit, etc. (not shown), and is used to discriminate the authenticity of the bills conveyed from the separating and feeding section 15, to discriminate unfit bills, and to discriminate the denominations of deposited and withdrawn bills. 18 and 19 are impellers, 20 is a temporary genuine bill storage section provided above one impeller 18, and 21 is a temporary counterfeit bill storage section provided above the other impeller 19. It is provided on the upper side of the housing 1, and the banknotes that are discriminated as genuine by the discrimination section 17 are accumulated in the temporary genuine bill storage section 2o by the impeller 18, and the banknotes that are discriminated as counterfeit are accumulated in the temporary storage section 2o. The impeller 19 is configured to accumulate counterfeit bills in a temporary storage section 21 .

22 is a thousand-note safe for storing thousand-yen banknotes; 23 is a ten-thousand-note safe for storing ten-thousand-yen banknotes; 24 is an unfit note safe for storing deposited banknotes that have been discriminated as unfit notes by the discrimination section 17; and 25 is a withdrawal bank. These banknotes are arranged side by side at the bottom of the housing 1 in the eject safe for storing banknotes that are determined to be defective due to denomination discrimination by the discrimination section 17 or detection of two bills by a sensor (not shown).

26. 27, 28, 29 are the respective safes 22, 23.

The banknotes are accumulated and stored in the safes 22 to 25 by the impellers 26 to 29 arranged on the banknotes 24 and 25, respectively.

Reference numeral 30 denotes a suction drum that sucks and separates banknotes one by one from the 1,000-note safe 22 and feeds them; this suction drum 30 is provided in combination with an impeller 26; This suction drum 31 is a suction drum that sucks and separates and feeds one sheet at a time, and this suction drum 31 is provided in combination with an impeller 2T.

32a to 32e are high-speed conveyance paths, and 33 is a low-speed conveyance path, each of which is composed of a conveyance roller or a conveyance belt for conveying banknotes, a switching blade for switching the conveyance direction, etc., and these conveyance paths 32a to 32e and 33 The above-mentioned components are connected by.

That is, the separation feeding section 15 and the discrimination section 17 are connected to the high-speed conveyance path 3.
2&, and the high-speed conveyance path 32b from this discrimination section 17
branches into high-speed conveyance paths 32c and 32d leading to impellers 18 and 19. This high-speed conveyance path 32d is connected to the impeller 2.
6 to 29 and the suction drum 30.31, the high-speed conveyance path 32eK continues, and this high-speed conveyance path 32e further merges with 32a, and the temporary storage section 20.21 is connected to the banknote input/reception section 14 by the low-speed conveyance path 33. It is.

34 is a motor that drives the high-speed conveyance paths 32a to 32e.

Next, the bill processing operation of the cash depositing and dispensing mechanism configured as described above will be explained.

First, at the time of deposit transaction, as mentioned above, the deposit/withdrawal port 13
When the banknotes are inputted in bulk, the banknotes are taken into the banknote input/reception section 14 and sent to the separation/feed section 15, and at the same time, the motor 34 drives the high-speed conveyance paths 32a to 32e.

The banknotes sent to the separating and feeding section 15 are separated and fed one by one to the high-speed conveyance path 32a by the suction drum 16, and then conveyed to the discrimination section 17, where the discrimination section 1T performs authenticity discrimination, denomination discrimination, and authenticity. Banknotes are counted, etc.

Here, the banknotes that have been identified as genuine banknotes are transferred to the high-speed conveyance path azb,
32c, the impeller 18 sequentially accumulates the genuine notes in the temporary storage section 20, and the banknotes that are identified as counterfeit or unreadable are sequentially accumulated in the temporary counterfeit storage section 21 via the impeller 19 via the high-speed transport paths 32b and 32c. Accumulated.

In this way, when all the inserted banknotes are accumulated in both temporary storage sections 20 and 21, the low-speed conveyance path 33 is driven by a motor (not shown), and the banknotes in the temporary counterfeit banknote storage section 21 are collected as banknotes. The deposit/withdrawal port 1 is sent to the deposit/receive unit 14.
It will be returned from 3.

Thereafter, the banknotes of ¥120 in the temporary genuine banknote storage are collectively sent to the banknote input/reception unit 14 via the temporary fake banknote storage unit 21 by the low-speed conveyance path 33.

At this time, if the transaction is unsuccessful, the banknotes are returned from the deposit/withdrawal slot 13 in the same way as the counterfeit banknotes described above, but if the transaction is successful, they are sent to the separating and feeding section 15 again and are sent to the suction drum. 16, the sheets are separated and fed one by one, and then transferred to the high-speed conveyance path 32a.
It is then conveyed to the classification section 17.

Then, this discrimination section 17 performs denomination discrimination, unfitness discrimination, etc. of the banknotes, and then the banknotes are transferred to high-speed conveyance paths 32b, 32d.
On the high-speed conveyance path 32e, the tickets are distributed to the impellers 26 to 28 according to the above-mentioned discrimination results and sent to the 1,000-bond safe 22. They are stored in a ten thousand note safe 23 and an unfit note safe 24, respectively.

On the other hand, during a withdrawal transaction, 91 banknotes of two denominations specified by the customer are sequentially fed out from the thousand-note safe 22 and the million-note safe 23 by the suction drums 30 and 31, and are passed through the high-speed conveyance paths 32e and 32a. and is transported to the discrimination section 17.

Then, this discrimination section 17 discriminates the denomination of the banknotes and detects double feeding, skewed feeding, etc., and as a result, banknotes that are judged to have abnormalities such as double feeding are transferred to high-speed conveyance paths 32b and 32d by impellers. 29 and stored in the reject safe 25.

In addition, after the banknotes that are identified as having no abnormalities are counted,
The fake notes are sequentially accumulated in the temporary storage section 20 by the impeller 18 via the high-speed conveyance paths 32b and 32at, and after the designated denomination and number of counterfeit notes have been collected, they are collectively transferred to the temporary storage section 2 through the low-speed conveyance path 33.
1, the banknotes are sent to the banknote input/receipt section 14, and paid from the deposit/withdrawal port 13.

[Problem that the invention seeks to solve]

However, in the above-mentioned conventional automated teller machine, cash is always conveyed at high speed within the cash deposit/withdrawal mechanism in order to shorten transaction time, so the repeated separation, accumulation, and movement of cash may cause skewing, etc. These problems are more likely to occur, and the frequency of failures caused by these problems increases, so if a failure occurs on a day when bank employees and maintenance personnel are not available, such as holidays, the response by bank employees and maintenance personnel will be delayed. There was a problem in that the operation stop time of the fruiting device became longer and the operating efficiency decreased, which hindered the business of the financial institution and caused a great deal of inconvenience to the customers.

The present invention was made to solve such problems, and by slowing down the cash processing speed of the machine on days when bank employees and maintenance staff are expected to be short-staffed, it reduces the occurrence of failures in the cash deposit and withdrawal mechanism. The purpose of this invention is to realize an automatic transaction device that can improve the operating efficiency of the device.

[Means for solving problems]

In order to achieve the above object, the present invention includes a date and time setting means for setting a desired date and time, a means for counting the date and time, a first speed that increases the processing speed of cash in a cash deposit and withdrawal mechanism, and a first speed that increases the processing speed of cash in a cash deposit and withdrawal mechanism. and a switching means for switching to a second speed that is slower than the first speed.

[Effect]

The present invention configured as described above sets a desired date and time using the date and time setting means, and when the date and time counted by the counting means reaches the set date and time, the switching means changes the cash processing speed in the cash deposit/withdrawal mechanism to the normal speed. Switching from the first speed to the second speed.

Therefore, according to this, if the date and time when bank employees and maintenance staff are expected to be short-staffed, such as holidays, is set using the date and time setting means, the processing speed of the cash deposit and withdrawal mechanism at that date and time will be automatically adjusted to normal. It is possible to switch to a slower speed, thereby reducing the frequency of equipment failures, making it possible to improve equipment operating efficiency and minimizing disruption to financial institutions' operations. In addition to minimizing inconvenience, it also reduces inconvenience to customers and improves service.

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a functional block diagram showing one embodiment of an automatic transaction device according to the present invention, and FIG. 2 is a side view of a cash depositing and dispensing mechanism in the device shown in FIG.

In FIG. 1, 8 is an operation guidance display section, 35 is a card reader/writer, 36 is a bankbook entry machine, 37 is a keyboard section, 3
8 is a cash deposit/withdrawal mechanism, 39 is a motor speed control unit incorporated in this cash deposit/withdrawal mechanism 38, and 40 is for setting a date when bank employees and maintenance staff are thin, such as a desired date and time. 41 is a count unit (counting unit) that counts the date and time as a reference for determining whether or not it is the due date; 42 is a control unit that controls these 8 and 35 to 41; It is.

Here, the operation guidance display section 8. Card reader writer 352
Passbook recording machine 36. The keyboard section 37 and the control section 42 are those used in the conventional device, and the cash deposit/withdrawal mechanism 3B is also the same as the conventional device except that it has a motor speed control section 39.

In addition to the functions of the conventional device, the automatic transaction device of this embodiment is equipped with a motor speed control section 3911, a date setting operation section 40, and a counting section 41. is the high-speed conveyance path 32a in this embodiment.
~ 32e functions as a processing speed switching means for switching the speed of the motor 34 that drives the motor 34 between a first speed and a second speed,
The first speed is a conventional normal processing speed, that is, a high speed, and the second speed is a slower speed.

The appearance of the device is the same as the conventional one shown in FIG. 5, and the keyboard section 37 has keys 9 to 1 in FIG.
It is composed of 2nd grade.

Moreover, the cash deposit/withdrawal mechanism 38 shown in FIG.
Since it is the same as that in the figure, the other components are given the same reference numerals as in FIG. 4, and their explanation will be omitted.

The third factor is a flowchart showing the control of the motor 34 in the cash depositing and dispensing mechanism 38, and the operation will be explained with reference to FIG. 3 together with FIGS. 1 and 2.

Incidentally, S in FIG. 3 indicates a step, and the following explanation will be given in the order of this step.

However, in the following explanation, it is assumed that the date for driving the motor 34 of the cash deposit/withdrawal mechanism 38 at a second speed slower than the first speed has been set in advance by a bank employee or the like using the date setting operation unit 40. do.

Sl, First, when the automatic transaction device is started, data on the date and time of the day is sent from the counting section 41 to the control section 42 according to an instruction from the control section 42, and based on this, the control section 42
It is determined whether or not it is the date set in advance by the date setting operation section 40. If it is determined that it is the due date, the process proceeds to S2, and if it is determined that it is not, the process proceeds to S3.

S2. Motor speed control section 3 according to instructions from control section 42
9 sets the speed of the motor 34 shown in FIG. 2 to the second speed, which is the slower speed.

83. Motor speed control unit 3 according to instructions from control unit 42
9 sets the speed of the motor 34 to the first speed, which is the faster speed.

S4. When a transaction is started on the automated teller machine by a customer's operation and a deposit or withdrawal instruction is issued from the control unit 42 to the cash deposit/withdrawal mechanism 38, the motor 34 is started and the speed is set as described above. Deposits or withdrawals will be processed.

In other words, if the speed of the motor 34 is set to the first speed, the high-speed transport paths 32a to 32e of the motor 34 transport banknotes and cash at the normal high speed, and the motor 34
4 is set to a second speed that is slower than the first speed, the motor 34 causes the high-speed conveyance paths 32a to 32e to convey cash at a speed slower than normal, and the deposit or withdrawal process is performed. It will be done.

Furthermore, this procedure for depositing and withdrawing money has already been completed in the fourth stage.
Since it has been described with reference to FIG. 5 and FIG. 5, the explanation thereof will be omitted here.

85. Every time a transaction is completed, the control unit 42 determines whether a post device (not shown) or the like has issued a command to terminate the transaction to the automatic transaction device, and if so, terminates the transaction; If not, the process returns to S4.

In the above-described embodiment, the cash transport speed is switched on a daily basis, but it is also possible to perform more detailed switching by setting on an hourly or minute basis.

In addition, although the above-mentioned embodiment is explained by taking as an example the case where the cash conveyance speed is switched to two stages, the present invention is not limited to this, and the present invention is similarly applicable to separating, accumulating, and differentiating cash.・It is also applicable to acts related to cash deposit and withdrawal processing such as control.

〔Effect of the invention〕

As explained above, the present invention includes a date and time setting means for setting a date and time for slowing down the cash processing speed of a cash deposit/withdrawal mechanism, and a counting means for counting the date and time. When the set date and time is reached based on the output of It is possible to reduce the occurrence of skewed movement of cash, and furthermore it is possible to reduce the occurrence of equipment failures caused by this skewed movement.

Therefore, by using the date and time setting means to set dates and times when bank employees and maintenance personnel are expected to be short-staffed, such as holidays, it is possible to reduce the occurrence of equipment failures at these dates and times. This will improve the operating efficiency of the equipment and minimize disruption to the financial institution's operations, as well as reduce inconvenience to customers and improve service. .

[Brief Description of the Drawings] Fig. 1 is a functional block diagram showing an embodiment of an automatic transaction device according to the present invention, Fig. 2 is a schematic side view of the cash depositing and dispensing mechanism in the device shown in Fig. 1, and Fig. 3 is FIG. 1 is a flowchart showing the operation of the device, FIG. 4 is a perspective view showing the appearance of the conventional example, and FIG. 5 is a schematic side view of the conventional cash depositing and dispensing mechanism. 14: Bill insertion and receiving section 15: Separation and feeding section 17: Identification section 20: Genuine bill temporary storage section 21: Fake bill temporary storage section 22
: Thousand ticket safe 23: Thousand ticket safe 32a to 32d: High speed conveyance path 33: Low speed conveyance path 34: Motor 38: Cash deposit/withdrawal mechanism 39: Motor speed control section 40: Due date setting operation section 41: Count section 42: Control Part Patent Applicant: Oki Electric Industry Co., Ltd. Agent Patent Attorney: Takashi Kanakura 2 Functional block diagram showing one embodiment of the present invention 1 Schematic side view of the cash deposit/withdrawal mechanism in the device shown in Figure 1
2- Flowchart showing the operation of the embodiment 3- B Except for the conventional example lol! 4- Schematic side view of the cash depositing and dispensing mechanism in the device shown in FIG.
5 (21

Claims (1)

[Scope of Claims] 1. During a deposit transaction, the cash inserted into the device is conveyed one by one to the discrimination section, and only the cash that is determined to be depositable is stored in the safe, and then withdrawn. At the time of gold transaction, the automatic transaction is equipped with a cash deposit/withdrawal mechanism that transports the cash drawn out from the safe one by one to the discrimination section and discharges only the cash that is discriminated as withdrawable from the device. The apparatus includes: a date and time setting means for setting a desired date and time; a counting means for counting the date and time; a first speed for controlling the cash processing speed in the cash depositing and dispensing mechanism during normal operation; and a switching means for switching to a second speed slower than the second speed, and when the date and time counted by the counting means reaches the date and time set by the date and time setting means, the switching means changes the cash processing speed of the cash deposit and withdrawal mechanism. An automatic transaction device characterized in that the automatic transaction device is configured to switch from a first speed to a second speed.