KR20070049059A - Cash transaction device - Google Patents

Abstract

The present invention is a cash transaction apparatus for executing a transaction by cash, and includes a cash reading unit and an input unit for reading the surface of the money for each money put into the money input unit and the input unit, and acquiring a money image of the money. An approximation in which the predetermined image is approximated in the predetermined area for each predetermined area of the monetary image based on the comparison result while comparing the reference image set in advance for each input money with the acquired financial image. A technique is provided which includes an approximation determination section for determining whether or not an area and a storage section for storing a predetermined area-specific determination result by the approximation determination section.

Description

Cash Trading Device {CASH TRANSACTION DEVICE}

1 is an explanatory diagram showing an ATM as one embodiment of the present invention.

It is explanatory drawing which shows the banknote thrown in by the person concerned with a penalty.

3 is a flowchart showing the procedure of deposit transaction processing executed in the ATM 100.

4 is an explanatory diagram showing regions divided in a money image.

It is explanatory drawing which shows the result of the denomination judgment and money determination with respect to each banknote shown in FIG.

FIG. 6: is explanatory drawing which shows the determination result memorize | stored in the memory | storage part 114, when the money type determination result and money determination result shown in FIG.

The present invention relates to a cash transaction apparatus that enables transactions using cash.

In addition to the determination of the type of money, the authenticity or damage of various types of cash trading devices that enable transactions using cash, for example, automatic teller machines (ATMs) or ticketing machines for commuter passes. It is common to discriminate and determine whether or not the money that can be used for the money transfer transaction (hereinafter referred to as "tradeable money") or not (hereinafter referred to as "money determination").

As a transaction apparatus which performs the relevant financial judgment, the cash automatic trading apparatus of Unexamined-Japanese-Patent No. 2003-281603, and the banknote trading apparatus of Unexamined-Japanese-Patent No. 2004-157624 are mentioned.

In a cash transaction apparatus for performing the above-mentioned money judgment, there is a case where a money judgment is made by comparing an image obtained by reading the surface of the input money and a reference image stored in advance. The money put into the relevant cash transaction apparatus is conveyed to a predetermined reading position for reading the surface of the money and placed in this predetermined reading position to read the next surface.

Here, the put money may be arranged at a position slightly shifted from the predetermined reading position due to the transfer imbalance in the money. In this case, since the cash transaction apparatus cannot read the surface of the input money correctly, it is possible to determine that the real money with little damage is not a tradeable money or that the penalty is a tradeable money.

There, person concerned with manufacture and distribution of penalty (we call "the official concerned" hereafter. For example, we put a lot of penalty at a time in ATM and expect that some of these penalty is wrongly judged as transactionable money) There may be attempts to make a deposit into the account of the person concerned or a deposit into the account of the conspirator.

If relevant, if the penalties are erroneously determined to be tradable money, the amount equivalent to the penalties will be deposited in the penalty holder's account or the contributor's account.

This invention is made | formed in order to solve at least one part of the above-mentioned subject, and an object of this invention is to provide the technique which can restrain execution of a transaction using penalties, even when an incorrect determination result is calculated | required by money determination.

In order to solve at least part of the above-mentioned problems, the cash transaction apparatus of the present invention is a cash transaction apparatus for executing transactions by cash, and reads the cash input unit and the surface of the money for each money put into the input unit. A money reading unit for acquiring a money image of money and a reference image set in advance for each money put into the input unit are compared with the acquired money image, and at every predetermined area of the money image based on the comparison result. An approximation determination section for determining whether the predetermined area is an approximation area to which the money image and the reference image are approximated in the predetermined area, and a storage section for storing the determination result for each predetermined area by the approximation determination unit. Let's make a point.

As described above, in the cash transaction apparatus of the present invention, the determination result for each predetermined area by the approximation determining unit is stored in the storage unit. Therefore, the total number of moneys determined that the predetermined region is not the approximate region for each predetermined region based on the determination result, It is possible to calculate the number of money when the ratio of the total number of money determined that the predetermined area to the total number of money is not an approximate area or successively determined that the predetermined area is not an approximate area. .

Therefore, if the transaction is stopped according to the number or ratio calculated as described below, the approximation judgment unit may obtain an incorrect comparison result from the comparison between the reference image and the monetary image. Even if a mistake is made, the execution of the transaction can be prevented.

The cash transaction apparatus also includes a total purchase calculator, a total purchase judgment unit, and a predetermined processing execution unit that executes a predetermined process related to a transaction, and at least one gold type of money entered into the input unit for one transaction. For example, the total number calculation unit calculates the total number of money determined as not the approximate area for each of the predetermined areas based on the determination result stored in the storage unit, and the total number determination unit determines the total number of sheets calculated. At least either of them may determine whether the total number of sheets is greater than or equal to a predetermined number of sheets, and the predetermined processing execution unit may execute a stop processing of the transaction when the total number determination unit determines that the total number of sheets is greater than or equal to a predetermined number of sheets.

With such a configuration, the predetermined processing execution unit executes the stop processing of the transaction when the ratio determination unit determines that the predetermined ratio is equal to or greater than the predetermined ratio, so that the approximation determination unit obtains an incorrect comparison result from the comparison between the reference image and the monetary image, and not the predetermined region. In the case where is determined to be an approximate area, the execution of the transaction can be prevented. This is based on the following reasons.

When the forge is produced, a plurality of sheets are often produced at the same time, and as a result, a plurality of forge having the same characteristics is produced. In addition, since a plurality of penalties prepared in this way are put into the cash transaction apparatus, a plurality of moneys are determined to be not approximated to a specific predetermined area in the money put into the input unit for one transaction.

In this case, it is assumed that even if there is money determined as the approximate area, the wrong predetermined result is obtained because the wrong comparison result is obtained from the comparison between the reference image and the money image. In this configuration, when the total number determination unit determines that the total number of sheets is equal to or greater than the predetermined total number of sheets, the predetermined processing unit executes the stop processing of the transaction. Therefore, execution of the transaction is prevented when the approximation judgment unit incorrectly determines the predetermined region as the approximate region. You can do it.

The cash transaction apparatus also includes a total purchase calculator, a ratio calculator, a ratio judging unit and a predetermined processing execution unit that executes a predetermined process relating to a transaction, and includes at least one of money types of money put into the input unit for one transaction. For one gold type, the total number calculation unit calculates the total number of money determined as not the approximate area for each of the predetermined areas based on the determination result stored in the storage unit, and the ratio calculating unit calculates the total number of money. Each time, the ratio of the calculated total number of sheets to the total number of sheets of money of the same kind is calculated, and the ratio determining section determines whether at least one of the calculated ratios is equal to or greater than a predetermined ratio, and executes the predetermined processing. If the ratio determination unit determines that the portion is equal to or greater than the predetermined ratio, It is also possible to run the stop operation.

With such a configuration, the predetermined processing execution unit executes a transaction stop processing when the ratio determination unit determines that the predetermined ratio is equal to or greater than the predetermined ratio, so that the approximation determination unit obtains an incorrect comparison result from the comparison between the reference image and the monetary image, and not the original region. In the case where is determined to be an approximate area, the execution of the transaction can be prevented. This is based on the following reasons.

When the forge is produced, a plurality of sheets are often produced at the same time, and as a result, a plurality of forge having the same characteristics is produced. In addition, since a plurality of penalties prepared in this way are put into a cash transaction apparatus, a plurality of moneys determined to be not approximated to a specific predetermined area exist in the money put into the input unit for one transaction. . As a result, the ratio of the total number of sheets of money determined not to be an approximate region for this particular predetermined region to the total number of sheets of money put into the input is a relatively expensive value.

In this case, even if there is money determined to be an approximate area of this particular area, it is assumed that there is a high possibility that it is mistakenly determined to be an approximate area because an incorrect comparison result is obtained from the comparison between the reference image and the money image. Thereby, when the ratio determining section determines that the ratio determining section is equal to or greater than the predetermined ratio, the predetermined processing execution section executes the stop processing of the transaction. Therefore, the execution of the transaction is prevented when the approximation judgment section incorrectly judges the predetermined region as the approximate region. There is a number.

The cash transaction apparatus also includes a sequential number determination unit and a predetermined processing execution unit that executes a predetermined process related to a transaction, wherein the storage unit is configured for at least one gold type of money put into the input unit for one transaction. And when storing the judgment result, sequence information indicating the order of the money type of the judgment by the approximation judgment unit is stored in association with the judgment result, and the continuous number determination unit stores the judgment result stored in the storage unit. And based on the order information, it is determined whether or not at least one of the predetermined areas has been determined by the approximation determining unit continuously for a predetermined number of times or more if the area is not the approximate area, and executes the predetermined process. Part is determined by the approximation judgment part and determined by the continuous number determination part. In this case, the transaction may be suspended.

With such a configuration, the predetermined processing execution unit executes the processing for stopping the transaction when at least one of the predetermined regions is determined by the approximation determination unit consecutively for a predetermined number of times unless the region is an approximation region. Execution of a transaction can be prevented in the case where an incorrect comparison result is obtained from the comparison between the reference image and the monetary image and a predetermined region is determined as the approximate region instead of the original approximation region. This is based on the following reasons.

When the forge is manufactured, a plurality of sheets are often produced at the same time, and as a result, a plurality of forge having the same characteristics is produced. In addition, since a plurality of penalties prepared in this way are put into a cash transaction apparatus, a plurality of moneys determined to be not approximated to a specific predetermined area exist in the money put into the input unit for one transaction. . As a result, the likelihood of being determined by the approximation judging portion consecutively for a predetermined number of times or more in the case of not being an approximation region for this specific predetermined region is increased.

In this case, it is assumed that even if there is money determined as the approximate area, the wrong predetermined result is determined to be wrong because the wrong comparison result is obtained from the comparison between the reference image and the money image. In this configuration, when the continuous number determination unit determines that at least one of the predetermined regions is determined by the approximation determination unit continuously for a predetermined number of times or more, if the region is not an approximation region, the predetermined processing execution unit Since the transaction stop processing is executed, the execution of the transaction can be prevented when the approximation judging unit incorrectly determines that the predetermined area is the approximate area.

In the cash transaction apparatus, the predetermined processing execution unit targets at least one of the input money in the case of executing the stop processing of the transaction, and compares the reference image and the acquired money image at the same time. Based on the result of the recomparison, a judgment is made as to whether or not the approximation area is at least the approximation area among the predetermined areas as the approximation area, and the predetermined processing execution unit is configured to perform the recomparison as a result of the retrieval processing. In the case where at least one of the money which is the object of the judgment is determined that at least one of the areas which are the subject of the trial is not the approximate area, the transaction may be suspended. .

With this arrangement, it is assumed that the approximation judgment section is more likely to mistakenly determine that the approximation region is incorrect because the predetermined processing execution section performs recomparison and retrieval and then suspends the transaction. If so, the execution of the transaction can be impeded. As a result, when the approximation judgment unit has a high probability of correctly determining the approximation area, the transaction is executed and the transaction can be prevented from being executed regardless of the real money. There is a number.

In the cash transaction apparatus, the approximation determination unit uses at least some data of the reference image data representing the reference image and at least some data of the financial image data representing the money image when comparing the reference image and the money image. And the predetermined processing execution unit compares more data than the data used by the approximation determining unit among the reference image data and more data than the data used by the approximation determining unit among the monetary image data when the recomparison is performed. It is preferable to perform the said recomparison using.

With such a configuration, the predetermined processing execution unit compares the reference image with the monetary image using more data, so that a more accurate comparison result can be obtained than with the approximation determination unit. Therefore, even when the approximation determination unit mistakenly determines that the predetermined area is the approximate area, the execution of the transaction can be prevented.

In the cash transaction apparatus, the predetermined processing execution unit may execute the inappropriate transaction countermeasure processing set in advance when executing the stop processing of the transaction.

With such a configuration, for example, as an improper transaction countermeasure, it cannot be handled by a cash transaction system. I am sorry, but please refer to a window. "The person concerned is to perform the process of ringing an alarm to display the guidance of the suspension of a transaction or to inform the person concerned, or to process the light to turn on the alarm lamp which the monitoring device of the cash transaction device has. It is possible to prevent the transaction using the penalties.

The cash transaction apparatus may be a cash dispenser.

EMBODIMENT OF THE INVENTION Hereinafter, the best form for implementing this invention is demonstrated in the following order based on an Example.

A. Examples

  A1. Overview of ATM consists of:

  A2. Deposit transaction processing:

  A3. Effect of the embodiment:

B. Variants:

A. Examples

A1. Overview of ATM consists of:

1 is an explanatory diagram showing an ATM as one embodiment of the present invention. The ATM 100 shown in FIG. 1 is an ATM managed by a financial institution, and is similarly connected to a host computer 200 managed by a financial institution via a network NW such as a dedicated line.

The ATM 100 mainly includes a communication unit 102, a display unit 104, a money input unit 106, a money transfer unit 108, a money reading unit 110, a money determination unit 112, and a storage unit 114. And a card / passbook handling unit 116 and a main control unit 150. In addition, the judging government 130 indicated by a broken line will be described later.

Among them, the communication unit 102 executes communication with the host computer 200. The display unit 104 has a touch panel and displays the guidance of transactions to the user, and accepts the specification of the transaction type (such as deposit or transfer) or the amount of money from the user. The money input unit 106 accepts money input as a limit of 99 sheets. The money transfer part 108 conveys the money put into the money input part 106 in the frame body of ATM100. The card / bankbook handling unit 116 reads the account number or the like from the inserted cash card or the bankbook or makes a bankbook. The main control unit 150 controls each function unit integrally.

In the storage unit 114, image data of reference images for various types of gold pieces are stored in the initial state.

The money reading unit 110 reads the surface of each money input and acquires image data and stores the image data in the storage unit 114.

Then, the money determination unit 112 reads the image data of the above-described reference image and the image data acquired by the money reading unit 110 from the storage unit 114, and for each money input based on these image data. At the same time, the type of money is judged, and the status of authenticity or damage is discriminated against to determine whether the money is tradeable or not.

In the ATM 100 of the related structure, it cooperates with the host computer 200, and performs a deposit or a deposit transaction based on the money which the user put in.

Specifically, when the money determination unit 112 performs the money type determination and the money determination on the money put into operation, and determines that all the money is a tradeable money, the main control unit 150 determines that the card / bankbook handling unit 116 uses the cash card or the like. The transaction execution request including the account number read out from the account book and the transaction type and amount specified by the operation of the display unit 104 is transmitted to the host computer 200 via the communication unit 102.

On the other hand, the host computer 200 includes an account information database 210 that manages the account number and the balance of each account, and a transaction history database 220 that manages the transaction date and time, the transaction type, the transaction amount, and the like in each account. Doing. When the host computer 200 receives the transaction execution request described above from the ATM 100, the host computer 200 executes the transaction by updating the account information database 210 based on the transaction execution request.

In addition, the host computer 200 records the execution result of the transaction in the transaction history database 220 and transmits information such as the transaction execution result and the balance to the ATM 100.

In addition, in the ATM 100, when the main controller 150 receives information such as a transaction execution result or balance from the host computer 200 via the communication unit 102, the main control unit 150 receives the information on the display unit 104 based on the received information. The result of the transaction or the balance is displayed and the card / book handling section 116 is booked.

As described above, when the money determination unit 112 determines the type of money and the money input as a transactionable money in the ATM 100, the transaction is executed based on this money.

Here, in the above-mentioned money determination, the money determination unit 112 may give an incorrect determination result.

This is caused by the imbalance of the transfer of money by the money transfer part 108, and the money put in is slightly shifted from a predetermined position for reading the surface so that the money reading part 110 cannot read the surface of the money accurately. By Therefore, the money judging unit 112 makes a money judgment based on image data that is not read correctly. Therefore, when the real money with little damage is wrongly determined to be non-tradable money or the penalty is a tradeable money. There may be a case of making a mistake.

When the money determination unit 112 erroneously determines that the money is a tradeable money, the transaction is executed based on this money (payment) as described above. There, the official concerned puts a large amount of the penalty into the ATM 100 at a time, and expects that some of the penalty is wrongly determined to be tradeable money, and transfers the deposit to the account of the penalty official or to the account of the conspirator. You can think of trying a deposit transaction.

The ATM 100 can prevent the execution of the transaction using this penalty. The interception of the execution of the related transaction will be described taking the deposit transaction as an example.

A2. Deposit transaction processing:

As a premise of the deposit transaction by the person concerned, the person concerned with the payment inserted the cash card and the bank account at the ATM 100 shown in Fig. 1 and operated the display unit 104 to designate the deposit transaction to his account. Then, the person concerned with penalties injected a plurality of money including penalties into the money inputting unit 106 at the same time, and designated the total amount of all the money put into operation by operating the display unit 104 as the deposit amount.

In addition, for the convenience of explanation, all the money entered by the official concerned shall be bills, and all of these bills shall be placed in one stack at a time.

It is explanatory drawing which shows the banknote thrown in by the person concerned with a penalty. As shown in FIG. 2, the 1st and 6-8th sheets are 1,000 yen rolls, and the 2-5th and 9-10th sheets are 10,000 yen rolls. Among these banknotes, the third to sixth sheets and the ninth to tenth sheets are penalties.

Under the above premise, when the deposit amount is designated by the penalty person, the deposit transaction processing is executed at the ATM 100.

3 is a flowchart showing the procedure of deposit transaction processing executed in the ATM 100.

When the deposit transaction process shown in FIG. 3 starts, the money conveyance part 108 shown in FIG. 1 conveys the put money to the money reading part 110 (step S302), and the money reading part 110 conveys each money conveyed. The respective surfaces are read out, and image data is acquired and stored in the storage unit 114 (step S304).

Next, the money determining unit 112 reads out the image data obtained by the money reading unit 110 and the image data of the reference image from the storage unit 114, and stores each input money based on these image data. The money type judgment and the money judgment are performed, and the judgment result is stored in the storage unit 114 (step S306).

In this type of money determination, the money determination unit 112 compares the reference image of each type of gold with the image of the money for each type of money put in, and determines the type of gold indicated by the closest reference image as the type of money of the money.

In addition, in the money judgment, the money determination unit 112 performs the following processing. Based on the image data of the gold type reference image and the image data of the money determined for each money put in first, the same position of the image data of the reference image with respect to the gradation value of each pixel at four intervals among the image data of the money. The difference between the gray level values of the pixels is calculated. Next, it is discriminated whether the difference calculated for each pixel at these four intervals is a pixel (approximate pixel) within a predetermined range, or whether the calculated difference is a pixel (upper pixel) not within the predetermined range. Next, the money determination unit 112 divides the image of the money into a predetermined area, calculates the total number of upper pixels for each of these areas, and at the same time, calculates the total number of upper pixels in the area (upper area), Or, it is determined whether the sum of the calculated upper pixels is an area (approximate area) smaller than the predetermined number. In the case where at least one area is determined as an upper area, the money is determined to be non-tradable money (hereinafter also referred to as "reject"), and when all areas are determined as approximate areas. It is determined that it is possible to trade.

4 is an explanatory diagram showing regions separated from an image of money.

As shown in FIG. 4, the image of the money is divided into six areas of areas A to F. As shown in FIG. Then, the money determination unit 112 determines the approximate area / upper area for each area of the areas A to F and rejects each of the moneys or determines that the money can be traded.

It is explanatory drawing which shows the result of the gold type determination and money determination with respect to each banknote shown in FIG.

In FIG. 5, the gold type described on the left side of the banknote indicates the result of the gold type determination, and the area indicated by the X mark in the banknote indicates the upper region, and the right side of the banknote indicates the result of the financial determination, respectively. In addition, among the results of the financial judgment, the order described in the "reject" (for example, "the 3rd 10,000 yen ticket in the fourth bill") indicates the order in the paper, and the order in the whole banknote (in this case, the fourth sheet). It does not indicate).

As shown in FIG. 5, the same kind of gold species as determined by the gold type determination and the gold type shown in FIG. 2 are the same, and the money determination unit 112 performs the gold type determination correctly.

On the other hand, about the money judgment, the money judgment part 112 rejects the 6th banknote which is a 1,000 yen ticket, area C as an upper area. Moreover, the area A is rejected for the 4th, 5th, and 9th bills among the 10,000 yen bills, and the area D is for the 10th bill, respectively, as the upper region. However, the money judgment part 112 judges that it is only a money and is a tradeable money about the 3rd banknote among the money of 10,000 yen notes.

FIG. 6: is explanatory drawing which shows the determination result memorize | stored in the memory | storage part 114, when the gold type determination result and money determination result shown in FIG.

As a result of the determination, as shown in FIG. 6, the information regarding the total number of sheets, the number of rejects, and the upper region is stored in the storage unit 114 for each kind. Among them, the total number indicates the total number of money determined as the gold type, and the number of rejects indicates the total number of money rejected in each gold type. The information on the upper region shows the details of the number of rejects, indicates which region is determined to be the upper region and is rejected, and the total number of rejected money (A_Cnt, B_Cnt, ... F_Cnt) It consists of the order (A_No, B_No, ... FNo) in the said money type of each money | money which was injected.

Specifically, for example, as shown in Fig. 5 for the 10,000 yen bill, the 10,000 yen bill rejected and rejected by the region A is the upper region, but the 4,5, and 9th bills are the same as the 10,000 yen bills of these bills. The sequence numbers are 3, 4 and 5, respectively, as shown in FIG. As shown in Fig. 6, "3, 4, 5" is stored as "A_No" in a 10,000 yen ticket, and the total number "3" of these bills is stored as "A_Cnt".

Similarly, the 10,000 yen bill rejected and rejected by the area D as the upper region is the 10th bill, and the order of the 10,000 yen bill of this bill is the sixth, so "D_No" and "6" are "D_Cnt". "1" is stored, respectively.

In addition, the 1,000 yen bill rejected and rejected as the area C is the sixth bill, and the order of the 1,000 yen bill of this bill is the second, so "2" is "C_Cnt" as "C_Cnt". "1" is stored, respectively.

Returning to FIG. 3, the main controller 150 reads the determination result from the storage unit 114, and determines whether or not there are money rejected from some kinds of money based on this determination result (step S308).

When the determination result shown in FIG. 6 is memorize | stored in the memory | storage part 114 as mentioned above, the main-control part 150 determines that there exists money rejected by the 10,000 yen ticket and 1,000 yen ticket.

In this case, the main controller 150 determines whether or not at least one of the following three conditions is satisfied based on the read result of determination (step S310).

1) The percentage of the total number of money rejected (hereinafter referred to as the "reject rate") is determined by the area of the total number of gold types and the area of the total number of gold types rejected. That's it.

2) The number of money rejected (hereinafter, referred to as "rejection number") is determined to be an upper region for some regions of several kinds of gold species.

3) The number of pieces of money consecutively rejected (hereinafter, referred to as "continuous rejection number") of three or more types of gold species is determined to be an upper region and is three or more.

As a premise which imposes these conditions, the following is assumed regarding manufacture of a penalty. That is, when the forge is manufactured, a plurality of sheets are often produced at the same time, and in this case or a plurality of forge having the same characteristics with respect to the gold species is produced. In addition, since a plurality of penalties prepared in this way are put into the ATM 100 or a plurality of money is the same as the upper region, it is highly likely to be rejected.

Therefore, if the rejection rate is higher than a predetermined rate for some areas of some types of money invested, it is assumed that there is a high possibility that a penalty is included in the non-rejected money (money determined as tradeable money). Therefore, it is made to judge whether or not the possibility of including the penalty is included in the money determined to be tradable money by imposing the condition (condition on the reject rate) described above.

In addition, because the number of money entered is large, such as the case where 99 money including 10 penalty is entered, the reject rate is low but the absolute amount of the penalty is high. It is assumed that this is likely to be included. Therefore, it is made to judge whether or not the possibility of including the penalty is included in the money determined as the tradable money by imposing the condition (condition on the number of rejects) described above.

In addition, even if the reject rate is low and the number of rejects is low, when the same area is determined to be a higher level area and rejected for some time, it is assumed that a penalty transaction is attempted by a penalty person. Therefore, by imposing the condition (3 on the number of consecutive rejects) mentioned above, it is judged whether or not there is a high possibility that the penalty is included in the money determined as tradable money.

Moreover, each of "20%" in the conditions regarding the above-mentioned reject rate, "10" in the conditions regarding the above-mentioned reject number, and "3" in the conditions regarding the above-mentioned continuous reject number Values and ratios are determined based on rules of experience in advance.

And when the determination result shown in FIG. 6 is calculated | required as mentioned above, when considering the conditions regarding the above-mentioned reject rate, while the total number of yen bills is six pieces, the reject rate of each area | region in 10,000 yen bills is calculated. Silver is 50% (3 out of 6) in the area A, approximately 17% (1 out of 6) in the area D, and 0% in the other area. Since the total number of 1,000 yen bills is four, the reject rate of each area in the 1,000 yen bill is 25% (one out of four) in the area C, and 0% in other areas. Therefore, the rejection rate becomes 20% or more with respect to the region A in the 10,000 yen ticket and the region C in the 1,000 yen ticket, thereby satisfying the condition regarding the reject rate.

Next, considering the conditions relating to the number of rejects, as shown in Fig. 6, the number of rejects in each region of 10,000 yen is 3 in the region A and 1 in the region D, so that all are less than 10. In addition, since the reject number of each area | region in 1,000 yen roll is 1 in area | region C, it is less than 10. Therefore, the condition regarding the number of rejects was not satisfied.

Next, considering the conditions relating to the number of consecutive rejects, as shown in Fig. 6, the number of consecutive rejects is 1 in the region C for the 1,000 yen roll. On the other hand, in the area A, the third, fourth, fifth and third sheets are continuously rejected in the area A. Therefore, the condition regarding the number of continuous rejects is satisfied.

Thus, when at least one of the above three conditions is satisfied, the main control part 150 shown in FIG. 1 performs a transaction suspension process (step S312). As described above, it is because it is judged that, in the related case, the penalties are included in the money determined to be tradeable money.

In this transaction suspension processing, the main control unit 150 returns all the input money to the user via the money input unit 106 and at the same time returns the cash card and the bankbook to the user via the card / book handling unit 116. do. In this transaction suspension processing, the main controller 150 notifies the host computer 200 of the result of the determination by the money determination unit 112 and the account number via the communication unit 102. The host computer 200 also records the notified decision result in the transaction history database 220 as the transaction history of the account indicated by the notified account number.

Next, the main control part 150 performs an inappropriate transaction countermeasure process (step S314). In this inappropriate treatment, the main control unit 150 cannot be handled. I am sorry, but please refer to a window. " Moreover, in order to notify the person of a financial institution as an improper transaction countermeasure process, you may perform the process which raises the alarm which is not shown, the process which turns on the lamp of the monitoring apparatus (not shown) which the person monitors.

As described above, when the determination result shown in FIG. 5 is obtained from the money determination of the money determination unit 112, it is determined that at least one of the above three conditions is satisfied in the processing of step S310, and the transaction is stopped. do. Therefore, execution of a transaction is prevented even when it is determined that it is only a penalty and is a tradeable money with respect to the inserted 3rd banknote.

On the other hand, when the main controller 150 determines that none of the above three conditions are met in the processing of step S310, the main unit 150 returns the rejected money to the user via the money input unit 106 and at the same time the display unit. A guide for prompting the re-input of money is displayed at 104 (step S316).

And when the money is re-injected into the money input part 106, the money determination part 112 performs the above-mentioned money type determination and money determination with respect to the money reinjected (step S318), and the main control part 150 determines this money. As a result, it is determined whether or not the rejected money is present (step S320).

When it is determined that there is money rejected in the processing of step S320, the main control unit 150 performs the processing of the above-described step S312 (transaction stop processing) and the processing of the step S314 (inappropriate transaction countermeasure processing). This is to prevent the trader from executing the transaction because it is likely that the person concerned has repeatedly entered the penalty.

On the other hand, when it is determined in step S320 that there is no money rejected, the main control unit 150 issues a transaction execution request including the account number, the deposit amount, and the transaction type via the communication unit 102. ) (Step S322)

Thereafter, when the main control unit 150 receives information such as the execution result or the balance of the transaction from the host computer 200 via the communication unit 102, the main control unit 150 displays the execution result or the balance of the transaction on the display unit 104. The card / passbook handling section 118 is made to pass through the bankbook (step S324). In addition, if there is a difference between the total amount of money input and the designated deposit amount, the main control unit 150 returns the difference amount of money to the user via the money input unit 106.

In addition, when it is determined that there is no money rejected by the process of step S308 mentioned above, the process of step S322 and step S324 mentioned above is performed.

A3. Embodiment effects:

As described above, the ATM 100 rejects the total number of money rejected and the rejected amount of money as information about the total number of sheets and the number of rejects, and other areas, respectively, as a result of the type of money determination and the money determination. The storage part 114 is made to memorize | store the order in the money type of each money.

Therefore, the main control part 150 is based on the determination result memorize | stored in this memory | storage part 114, The at least 3 conditions of the condition regarding a reject rate, the condition regarding a reject number, and the condition regarding a continuous reject number Either way, you can determine whether one condition is met.

In addition, in the ATM 100, when it is determined that at least one of the three conditions is satisfied, the transaction 100 is configured to execute a transaction stop processing without executing a transaction. Here, when the forge is manufactured, a plurality of sheets are often produced at the same time, and as a result, a plurality of forge having the same characteristics with respect to the gold species is produced. In addition, since a plurality of penalties prepared in this way are put into the ATM 100, it is highly likely that the plurality of moneys are rejected by being determined by the money determination unit 112 or the area where the plurality of moneys are the same as the upper area. . Therefore, when the reject rate is high, it is assumed that the possibility that the money is included in the money determined by the money determination unit 112 as the tradable money is high.

Thereby, the transaction is stopped when the condition of "the rejection rate is 20% or more" is satisfied by the above configuration, so that the execution of the transaction can be prevented even when an incorrect judgment result is obtained by the financial judgment.

In addition, even if the absolute number of penalties included in the money entered is irrelevant regardless of the rise or fall of the reject rate, it is assumed that the penalties are included in the money determined as tradable money. Thereby, the transaction stop processing is performed when the condition of "the number of rejects is 10 or more" is satisfied by the above configuration, so that execution of a transaction can be prevented even when an incorrect decision result is obtained by monetary judgment.

In addition, even if the rejection rate is low and the number of rejects seems to be low, if the rejection is rejected for some time in the same area as a factor, it is assumed that a penalty transaction is attempted by the offender.

In addition, in the ATM 100, only the rejected money is returned when all three conditions described above are not satisfied. Thus, for example, if a well-meaning user puts a plurality (more than 6) banknotes including a severely damaged banknote, only the severely damaged banknotes are returned, and all the banknotes put into place are returned. It doesn't work. Therefore, the convenience of a bona fide user is not extremely impaired.

B. Variants:

In addition, this invention is not limited to the above-mentioned Example and embodiment, It can implement in various forms within the range which does not deviate from the summary, For example, the following modification is also possible.

B1. Modification 1:

In the above-described embodiment, the main controller 150 executes the transaction stop processing (step S312) when the main controller 150 determines that at least one of the conditions is satisfied in the processing of step S310 described above, but the present invention is limited thereto. It doesn't happen. When it is determined that at least one of the conditions is satisfied in the above-described processing of step S310, the money inputted first may be again determined by the money judgment and the transaction suspension processing may be performed according to the result of the money judgment again performed. .

Specifically, as shown in FIG. 1, when it is determined that the ATM 100 is provided with the judging unit 130 and any one condition is satisfied in the processing of Step S310, the judging unit 130 The image data of the reference image and the image data acquired by the money reading unit 110 are read out from the storage unit 114 and based on these image data, the same determination as the money determination by the above-described money determination unit 112 is performed. Do it.

However, in the above-described money judgment by the money determination unit 112 (step S306), the difference of the gradation values is calculated for the pixels which are filtered by four, but in the money judgment by the judging unit 130, all pixels are determined. We do with object. In the money judgment by the money determination unit 112, the difference of the gradation values is calculated for all the areas A to F, but in the money judgment by the judging unit 130, the money judgment by the money determination unit 112 is performed. Only the area determined to be the upper area in.

Then, the main control unit 150 causes the judging unit 130 to determine whether or not there are money rejected from some kinds of money as a result of the money determination again. If it is determined that there is a rejected money, it is highly unlikely that the money can be traded except for the rejected money. Therefore, the main control unit 150 executes the above-described transaction stop processing and inappropriate transaction countermeasure processing. You can do it.

By such a configuration, the judging unit 130 can make a monetary determination based on more information by calculating the difference between the gray scale values for more pixels than the monetary determination unit 112. As a result, when the money is included in the money determined by the money determination unit 112 as a tradable money, the possibility of rejecting the money can be increased. On the other hand, even if it is real money in the money judgment by the money determination part 112, it is judged that it is a penalty. Even in this case, it is possible to increase the possibility of judging this real money as tradeable money.

In addition, since the judging unit 130 compares the gradation values only to the regions determined as the upper region in the monetary determination by the money determination unit 112, compared with the case where the gradation values are compared to all the regions. Money determination can be performed at high speed.

In addition, the money reading unit 110 causes the money reading unit 110 to acquire image data again for each of the money put before the money determination by the judging unit 130, and the judging unit 130 stores the storage unit 114 by the processing of step S304 described above. In place of the image data stored in the above, the money determination may be performed using the obtained image data again.

Moreover, when acquiring image data again in this way, more image data is made by making the conveyance speed of the money when the money reading part 110 reads money into the slower speed compared with the conveyance speed when the money was first read. (Higher resolution image data) may be acquired.

In addition, the judgment of the money by the judiciary 130 may be performed on a part of the money input instead of all the money input. Specifically, for example, it may be performed only on money determined as money that can be traded by money determination by the money determination unit 112. Alternatively, the money may be executed on the amount of money or the amount of money set in advance, which corresponds to a preset ratio (for example, 50% of the money put in). In the case of targeting the amount of money corresponding to the preset ratio or the amount of money set in advance, the number or ratio of the preset money is different depending on the reject rate of the determination result of the money determination unit 112. You can set it to be a ratio.

B2. Modification 2:

In the above-described embodiment, the processing in step S310 determines whether at least one of the three conditions mentioned above is satisfied or not, but instead of this, whether only one of the three conditions described above is satisfied or not. It's okay to make a decision. Specifically, for example, instead of the process of step S310, it may be determined only whether or not the reject rate is 20% or more for some areas of some gold species.

B3. Modification 3:

In the above-described embodiment, the inappropriate transaction countermeasure processing is executed after the transaction suspension processing, but the transaction suspension processing may be performed without performing the inappropriate transaction countermeasure processing.

B4. Modification 4:

In the above-mentioned embodiment, all the money put in is supposed to be a bill, but some may be cured or all are cured. In this case, it is good to make the memory | storage part 114 store the image data of a reference image in advance about each gold type of hardening, and to perform a gold type determination and a money determination in the same way as the Example mentioned above.

B5. Variation 5:

In the above-described embodiment, the monetary image is divided into six areas of areas A to B, but the present invention is not limited thereto. For example, it may be divided into areas other than six, such as four areas or eight areas. In addition, the area may be divided not only on one side of the money but also on both sides.

B6. Variation 6:

In the above-described embodiment, the processing conditions of step S310 are " 20% or more " under the conditions related to the rejection rate. However, the present invention is not limited to 20% and may be other ratios such as 10% and 30%. In addition, although it is said that it is "10 or more" on the conditions regarding the number of rejects, it is not limited to 10 and may be other numbers, such as 8 and 15. In addition, although it is said that it is "three or more" on the conditions regarding the number of continuous rejects, it is not limited to three and may be other numbers, such as two or four. Moreover, you may make it change these ratios and numbers by a period and a time zone.

B7. Variation 7:

In the above-described embodiment, the main control unit 150 returns the cash card and the bank account to the user in the transaction suspension processing, but may not return the cash card and the bank account. In this case, the person in charge may operate the ATM 100 to eject the cash card and the bankbook and return it to the user.

B8. Variation 8:

In the above-described embodiment, the deposit transaction has been described as an example, but the present invention is not limited to the deposit transaction but can be applied to other transactions such as a deposit transaction. In addition, although ATM has been described as an example of a cash transaction device, the present invention can be applied to various devices that enable transactions using cash, such as a cash dispenser (CD) or a ticket vending machine. have.

B9. Variation 9:

In the above-described embodiment, the determination result is stored in the storage unit 114 included in the ATM 100, but in addition to the storage unit 114, the user's cash card or bankbook inserted in the ATM 100 is stored. It's okay to do that. In this way, the judgment result when the transaction is attempted using the penalty is stored in the cash card or the bank account, so the next time the penalty official tries to attempt the transaction, for example, the judgment result is read from the cash card or bank account and the judgment is made. In view of the results, it becomes possible to determine whether or not to execute the transaction.

In this way, a person in charge of a penalty may inject a plurality of penalties into an automated teller machine, expecting that some of the penalties are incorrectly determined to be treated as real money even if a certain area, which is not originally an approximation, is treated as an approximation. The transaction can be suspended if the deposit transaction can be attempted or the transaction of the conspirator's account can be attempted, and the execution of the transaction using the relevant penalty can be prevented.

The present invention can also be realized as a method invention as a transaction method without being limited to the aspect of the device invention referred to as the above-mentioned cash transaction apparatus.

Claims (14)

As a cash trading device for executing transactions by cash The input of money, A money reading unit for reading the surface of the money for each money put into the input unit and acquiring a money image of the money; The reference image set in advance for each money put into the input unit is compared with the acquired money image, and based on the comparison result, the predetermined area for each predetermined area of the money image is the money in the predetermined area. An approximation judging unit which determines whether or not an approximation region is approximated by the image and the reference image; And a storage unit for storing the determination result for each predetermined area by the approximation determination unit. As a cash transaction apparatus according to claim 1, Total number of sheets calculation department, Total number judgment part, A predetermined processing execution unit that executes a predetermined process related to the transaction, For at least one of the types of money entered into the input for one transaction, The total number calculation unit calculates the total number of money determined on the basis of the determination result stored in the storage unit and determined not to be the approximate area for each of the predetermined regions, The total number determination unit judges whether at least one of the calculated total number of sheets is one or more of a predetermined number of sheets, And the predetermined transaction execution unit executes a transaction stop processing when the total number determination unit determines that the total number of purchases is equal to or greater than a predetermined number of copies. As a cash transaction apparatus according to claim 1, Total number of sheets calculation department, Ratio calculating section, A ratio judging section, A predetermined processing execution unit that executes a predetermined process related to the transaction, For at least one of the types of money entered into the input for one transaction, The total number calculation unit calculates the total number of money determined as not the approximate area for each of the predetermined areas based on the determination result stored in the storage unit; The ratio calculating unit calculates the ratio of the calculated total number of sheets to the total number of sheets of money of the same kind for each of the predetermined regions, The ratio determining unit determines whether at least one of the calculated ratios is equal to or greater than a predetermined ratio, And the predetermined processing execution unit executes a stop processing of the transaction when the ratio determination unit determines that the predetermined ratio is equal to or greater than the predetermined ratio. As a cash transaction apparatus according to claim 1, A continuous number determination unit, A predetermined processing execution unit that executes a predetermined process related to the transaction, For at least one of the types of money entered into the input for one transaction, The storage unit stores order information indicating the order of the order of the judgment by the approximation determination unit in association with the determination result when storing the determination result, The continuous number judging section is based on the determination result and the sequence information stored in the storage section, and for at least one of the predetermined areas, if the area is not the approximate area, the approximation plate continues for a predetermined number of times or more. Determine whether or not judged by the government, And the predetermined processing execution unit executes a transaction stop processing when the successive number determination unit determines that the predetermined processing execution unit determines the determination. In the cash transaction apparatus described in claim 2, The predetermined processing execution unit targets at least one of the entered moneys in the case of executing the stop processing of the transaction, and compares the reference image and the acquired money image as a result of the recomparison. Based on, and judge whether or not the approximate area is the approximate area of the predetermined area with respect to the area determined by the approximation determination unit, The predetermined processing execution unit judges that at least either of the money which is the object of the recomparison as a result of the rejuvenation process and at least one of the areas which are the object of the judgment is not the approximate area. In the case of executing the stop processing of the transaction. In the cash transaction apparatus described in claim 5, When comparing the reference image with the monetary image, the approximation determining unit compares at least a part of data of the reference image data indicating the reference image with at least part of the data of the financial image data indicating the monetary image, The predetermined processing execution unit uses more data than the data used by the approximation determination unit among the reference image data and more data than the data used by the approximation determination unit among the monetary image data when the recomparison is performed. A cash transaction apparatus comprising recomparison. In the cash transaction apparatus described in claim 2, And the predetermined processing execution unit executes inadequate transaction countermeasure processing set in advance when executing the stop processing of the transaction. As a cash transaction apparatus according to claim 1, The cash transaction device is a cash transaction device, characterized in that the automatic teller machine. As a transaction method for executing a transaction using a cash transaction apparatus for executing a transaction by cash, A first step of reading the surface of the money for each money put into the cash transaction apparatus and acquiring a money image of the money; The cash transaction apparatus compares the acquired reference image with the reference image preset for each of the input money and the acquired money image, and based on the comparison result, the predetermined area is determined in the predetermined area for each predetermined area in the money image. A second step of determining whether or not the money image and the reference image are approximated regions; And a third step of causing the cash transaction device to store the determination result for the predetermined area in the determination step in a storage unit of the cash transaction device. In the cash transaction apparatus of claim 3, The predetermined processing execution unit targets at least one of the entered moneys in the case of executing the stop processing of the transaction, recombines the reference image and the acquired money image, and simultaneously Based on a result, it judges whether it is the said approximation area with respect to the area | region determined by the said approximation determination part at least the said approximation area among the said predetermined areas, The predetermined processing execution unit judges that at least either of the money which is the object of the recomparison as a result of the rejuvenation process and at least one of the areas which are the object of the judgment is not the approximate area. In the case of executing the stop processing of the transaction. In the cash transaction apparatus of claim 10, The approximation determination unit compares at least a portion of data of reference image data representing the reference image with at least a portion of data of money image data representing the money image when comparing the reference image with the money image, The predetermined processing execution unit uses the data more than the data used by the approximation determination unit among the reference image data and more data than the data used by the approximation determination unit among the money image data when the recomparison is performed. A cash transaction apparatus, characterized in that for performing a comparison. In the cash transaction apparatus of claim 4, The predetermined processing execution unit targets at least one of the input money in the case of executing the stop processing of the transaction, and compares the reference image and the acquired money image simultaneously and results in the recomparison. Based on, and judge whether or not the approximate area is the approximate area of the predetermined area with respect to the area determined by the approximation determination unit, The predetermined processing execution unit judges that at least either of the money which is the object of the recomparison as a result of the rejuvenation process and at least one of the areas which are the object of the judgment is not the approximate area. In the case of executing the stop processing of the transaction. In the cash transaction apparatus of claim 3, And the predetermined processing execution unit executes inadequate transaction countermeasure processing set in advance when executing the stop processing of the transaction. In the cash transaction apparatus of claim 4, And the predetermined processing execution unit executes inadequate transaction countermeasure processing set in advance when executing the stop processing of the transaction.

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