JP5472968B2 - Automatic transaction apparatus and program - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an ATM apparatus or a CD apparatus, in particular, a function for preventing a user from forgetting to remove a medium (card, bankbook, transaction record slip, cash, etc.), and a medium for which the user has forgotten. The present invention relates to an automatic transaction apparatus having a function for preventing a third party from taking away, and a program that is installed in the automatic transaction apparatus and gives the function to the automatic transaction apparatus.

  Automatic transaction devices such as ATM machines (Automated Teller Machines), CD devices (Cash Dispenser), automatic bookkeeping machines, and automatic money changers are installed at financial institutions. It is a device that automatically performs deposit, withdrawal, remittance, bookkeeping, currency exchange, etc. Various media such as cards, bankbooks, transaction record slips, and cash are exchanged between the automatic transaction apparatus and the user. For example, a user inserts a card or passbook into an automatic transaction device when starting a transaction, inserts cash into the automatic transaction device when depositing a deposit, and cash from the automatic transaction device when withdrawing a deposit. When you receive and complete the transaction, you will receive a card or passbook. In addition, there are cases where the automatic transaction apparatus issues a transaction record slip that records the contents of the transaction, and the user receives it.

  Various automatic transaction apparatuses having a function for preventing a user from forgetting to remove a medium or a function for preventing a medium forgotten by the user from being taken away by a third party have been proposed.

  For example, Patent Document 1 discloses a control of an automatic transaction apparatus that, when an automatic transaction apparatus forgets to take cash, takes the cash into a temporary capture box and reports to the host system that the forget has occurred. A method has been proposed.

  Further, Patent Document 2 includes a detection unit that detects whether or not a customer is in front of the device in the financial automation device, and is received when the detection unit detects that the customer is not in front of the device. It is proposed that if there is a medium that is not, the medium is temporarily held.

  Further, in Patent Document 3, the cash handling device has a function of detecting when a user leaves the cash handling device, a function of detecting that the user has forgotten to take cash or a card, and a user has a forgotten thing. It has been proposed to provide a function for informing the effect.

Japanese Patent Laid-Open No. 5-143821 JP-A-8-161594 JP 2002-117429 A

  The automatic transaction apparatus described in Patent Document 1 and Patent Document 2 captures the medium into the apparatus when it is detected that the medium has been forgotten to be removed, thereby preventing the forgotten medium from being taken away by a third party. can do. In addition, the automatic transaction apparatus described in Patent Document 3 warns the user when the user leaves the front of the apparatus while leaving the medium in the apparatus. You can prevent forgetting.

  However, in any of the automatic transaction apparatuses described in Patent Document 1 to Patent Document 3, when a certain time has elapsed since the medium was released, the medium is immediately automatic even if the user stands in front of the automatic transaction apparatus. I am trying to capture it inside the transaction device. If the medium is collected in front of the user only for the passage of time, the user is not pleasant. In other words, the user has the feeling of saying, “I was waiting because there was a situation, but it was bad to pick up suddenly. I was trying to take it now.” Moreover, in such a case, “forgetting” has not yet occurred, and the user is on the spot, so there is no danger of “taking away” by a third party.

  In addition, when the waiting time for processing is relatively long, the user often moves his / her body. Moreover, when taking out a wallet etc. from a bag etc., operation | movement becomes large. For this reason, the user's body may temporarily protrude from the detection range of the detection means. When an alarm is issued in such a case, it is troublesome for the user. For those in the vicinity, alarms are more troublesome because they are merely noise. Therefore, alarms should be kept to a minimum.

  The present invention has been made under such a background, and suppresses the collection of media and the generation of warnings to measure the convenience of the user and the comfort of the public, while forgetting to remove the media and taking it away. It is an object of the present invention to provide an automatic transaction apparatus that can effectively prevent the risk.

The automatic transaction apparatus according to the present invention includes a medium recovery means for recovering the medium when the medium discharged to the medium discharge apparatus is not taken out within the medium recovery time limit, and a user detection for detecting the presence of the user. an automatic transaction apparatus comprising: means, and when the elapsed medium collecting expiration time, if the the user detector detects the user, as well as extending the medium collecting expiration time for a predetermined time, the The medium collection time limit is extended when the user detection means has interrupted the user from the start of operation of the automatic transaction apparatus by the user until the medium dispensing apparatus dispenses the medium. It is characterized by shortening time .

The program according to the present invention includes a medium recovery unit that recovers the medium when the medium discharged to the medium discharge device is not taken out within the medium recovery time limit, and a user detection unit that detects the presence of the user. When the user detection means detects the user when the medium recovery time limit elapses, the medium recovery time limit is set to a predetermined time. And when the user detection means has interrupted the user from the start of operation of the automatic transaction apparatus by the user until the medium payout apparatus pays out the medium. The time for extending the expiration time is shortened .

  According to the present invention, even if the medium collection time limit elapses, if the user is in front of the automatic transaction apparatus, the medium collection is extended by a predetermined time. There is no hassle to be recovered. Therefore, the convenience and comfort of the automatic transaction apparatus are improved.

It is a conceptual diagram explaining the structure of the automatic transaction apparatus which concerns on embodiment of this invention. It is a conceptual flowchart of the main program of an automatic transaction apparatus. It is an example of the guidance image of an automatic transaction apparatus. It is a conceptual flowchart of the medium collection program of an automatic transaction apparatus. It is a notional flowchart of the forgetting prevention program of an automatic transaction apparatus.

  As shown in FIG. 1, an automatic transaction apparatus 1 according to an embodiment of the present invention includes a card / passbook collation apparatus 2, a display / operation input apparatus 3, a bill input / output port 4, and a control apparatus 5.

  The card / passbook matching device 2 is a device that accepts a card or a bankbook and collates a PIN number entered by the customer 6 with a record of the card or bankbook. Further, the card / passbook checking device 2 can also print on the bankbook. Further, the card or the bankbook is held inside the card / passbook checking device 2 while the automatic transaction apparatus 1 performs the transaction process, and is returned to the customer 6 after the transaction process is completed.

  The display / operation input device 3 is a device in which an image display device and a touch panel are combined, and the image and characters for operation guidance are displayed on the image display device. Operate the touch panel according to the guidance.

  The bill entry / exit port 4 is a device for delivering bills between the customer 6 and the automatic transaction apparatus 1. The bill input / output port 4 also performs verification and counting of bills inserted by the customer 6.

  The control device 5 is a computer that controls the automatic transaction device 1 and is connected to the card / passbook collation device 2, the display / operation input device 3, the banknote entry / exit port 4, and controls them. The control device 5 is connected to a host computer (not shown), for example, a computer that supervises deposits and withdrawals of a financial institution to which the automatic transaction apparatus 1 belongs.

  When the customer 6 inserts a card or bank passbook into the card / passbook verification device 2 and operates the display / operation input device 3 to input a personal identification number, the control device 5 stores the card or the bankbook in the deposit account related to the card or bankbook. The registered password and the password entered by the customer 6 are collated, and if the two match, the subsequent operation is permitted. When the operation is permitted, the customer 6 can further operate the display / operation input device 3 to perform a desired transaction.

  For example, when the deposit is refunded, the control device 5 drives the dispensing transport device 7 to carry out the banknote corresponding to the refund requested amount from the banknote storage box 8 to the banknote loading / unloading port 4. Note that the bill input / output port 4 includes a sensor (not shown), and when the customer 6 takes out the bill from the bill input / output port 4, this is detected and notified to the control device 5. When depositing a deposit, when the customer 6 inserts a banknote into the banknote input / output port 4, the banknote input / output port 4 verifies the authenticity of the banknote, counts what is regarded as a genuine banknote, and controls the banknote. The device 5 drives the dispensing / conveying device 7 to store the verified banknote in the banknote storage box 8. Moreover, the banknote input / output port 4 returns the banknote which could not be verified to the customer 6.

  A recovery box 9 is provided below the banknote input / output port 4, and a recovery transport device 10 is provided between the banknote input / output port 4 and the recovery box 9. When the banknotes paid out to the banknote input / output port 4 are forgotten, the control device 5 drives the collection transport device 10 to transport the banknotes etc. in the banknote input / output port 4 to the recovery box 9 and Prevent the removal of banknotes by the three parties.

  The automatic transaction apparatus 1 includes a voice output device 11. The voice output device 11 is controlled by the control device 5 to give guidance on the operation procedure of the automatic transaction device 1 to the customer 6. Moreover, when the customer 6 is going to leave from the front of the automatic transaction apparatus 1 before the transaction by the automatic transaction apparatus 1 is completed, an alarm is issued and the customer's 6 attention is drawn.

  The automatic transaction apparatus 1 includes a customer detection sensor 12. The customer detection sensor 12 is a sensor that detects that the customer 6 is in a predetermined range in the vicinity of the automatic transaction apparatus 1. The customer detection sensor 12 is connected to the control device 5, and the output signal of the customer detection sensor 12 is referred to by various control programs executed by the control device 5. The customer detection sensor 12 may be of any type or form as long as it has the functions described above. For example, various sensors such as an optical sensor such as a photoelectric tube, an image sensor that uses an image, an infrared sensor that detects heat emitted from a human body, and a sensor that uses sound waves or echoes of radio waves can be selected.

  Now, a main program as shown in FIG. 2 is installed in the control device 5. The main program is a program for controlling a normal transaction by the automatic transaction apparatus 1, and starts when the customer detection sensor 12 detects the customer 6 appearing in front of the automatic transaction apparatus 1, and ends when the transaction ends normally. . While the transaction is being performed, the customer detection sensor 12 continues to monitor the customer 6, and if an abnormality occurs in the detection state of the customer 6 by the customer detection sensor 12, a medium collection program or a forgetting prevention described later is performed. The program starts.

  Hereinafter, the outline of processing by the main program will be described with reference to FIG. 2, but it should be noted that FIG. 2 is a conceptual diagram of the main program and does not show all of the main program. For example, FIG. 2 shows a flow of processing when depositing a deposit using the automatic transaction apparatus 1, and other functions of the automatic transaction apparatus 1, that is, a flow of processing such as deposit withdrawal, remittance, and bookkeeping. Is omitted. The automatic transaction apparatus 1 naturally has such a function, but is omitted from FIG. 2 in order to prevent the figure from becoming complicated.

  When the customer detection sensor 12 detects the arrival of the customer 6, the main program is activated and a guidance image (not shown) for prompting the user to insert the card or passbook into the card / passbook matching device 2 is displayed / operated input device. 3, the customer 6 inserts the card into the card / passbook matching device 2 (step S01).

  When the card / passbook collation device 2 collates the inserted card, the display / operation input device 3 displays a guidance image for prompting selection of a transaction type as shown in FIG. 3A (step S02). . The customer 6 touches the “deposit” button 21 (see FIG. 3A) of the guidance image to select deposit (step S03).

  When deposit is selected, the display / operation input device 3 displays a guidance image that prompts the customer 6 to insert the banknote into the banknote entrance 8 as shown in FIG. S04).

  At this stage, considering that the customer 6 wants to stop the transaction (deposit), the customer 6 touches the “cancel” button 22 (see FIG. 3B) of the guidance image (step S05; YES), Proceed to step S13.

  When the customer 6 wishes to continue the transaction (deposit) (step S05; NO), the customer 6 inserts the bill into the bill input / output port 4, and the automatic transaction apparatus 1 accepts and counts it (step S06). As described above, the counted banknotes are stored in the banknote storage box 8.

  In step S06, when there is something that cannot be counted, for example, when there is an object other than a banknote in the banknote inserted by the customer 6 into the banknote input / output port 4, or when the banknote cannot be recognized due to fouling or the like. (Step S07; NO) proceeds to Step S14.

  When all the banknotes have been counted normally (step S07; YES), the display / operation input device 3 displays the total amount of the inserted banknotes and confirms with the customer 6 as shown in FIG. Since the prompting guidance image is displayed, the customer 6 touches the “confirmation” button 23 (see FIG. 3C) of the guidance image (step S08).

  When the customer 6 confirms the total amount of bills inserted, the automatic transaction apparatus 1 executes deposit acceptance processing. Since this acceptance process involves communication with a host system (not shown), it takes some time. Therefore, while the acceptance process is being executed, a guidance image is displayed on the display / operation input device 3 as shown in FIG. 3D, and the customer 6 is requested to wait (step 09).

  If the deposit is not normally accepted for some reason (for example, exceeding the deposit limit, account suspension) (step S10; NO), the process proceeds to step S15.

  When the deposit acceptance process is normally completed (step S10; YES), the display / operation input device 3 displays a guidance image as shown in FIG. The user touches the “confirm” button 24 (see FIG. 3E) (step S11).

  When the customer 6 confirms the normal end of the deposit acceptance process, the automatic transaction apparatus 1 prompts the customer 6 to eject the card inserted by the customer 6 first from the card / passbook matching apparatus 2 and receive it. Further, the transaction record slip on which the record of the deposit acceptance process (deposit amount, acceptance date, deposit balance, etc.) is printed is discharged to a transaction record slip port (not shown) to prompt the customer 6 to receive it (step S12).

  In step S05, when the customer 6 touches the “cancel” button 22 (see FIG. 3B), the automatic transaction apparatus 1 stops the transaction, and the card inserted by the customer 6 first is checked with the card / passbook verification. Eject from device 2 and prompt customer 6 to receive. Moreover, when the customer 6 has thrown in the banknote, it discharges | emits the banknote to the banknote insertion / exit port 4, and prompts the customer 6 to receive (step S13).

  Moreover, when there is what cannot be counted in the banknote which the customer 6 thrown into the banknote input / output port 4 (step S07; NO), the automatic transaction apparatus 1 discharges | emits the banknote which could not be counted to the banknote input / output port 4. Then, the customer 6 is urged to receive it (step S14). Then, if the customer 6 receives the discharged banknote, the process returns to step S04, so that the customer 6 inserts the discharged banknote again, deposits only the already counted banknote, or cancels the transaction. Or choose one of the processes.

  If the deposit acceptance process has not been completed normally (step S10; NO), the automatic transaction apparatus 1 first ejects the card inserted by the customer 6 from the card / passbook matching apparatus 2 to the customer 6. Prompt to receive. Further, the banknote inserted by the customer 6 is returned to the banknote input / output port 4 to prompt the customer 6 to receive it (step S15).

  As described above, the automatic transaction apparatus 1 performs a transaction (accepting a deposit in this case) with the customer 6 in accordance with the main program and completes or cancels the transaction (step S13, step S15). A medium such as a record card or banknote is discharged and the customer 6 is prompted to receive them (step S12, step S13, step S15).

  Now, in the automatic transaction apparatus 1, if the customer 6 does not receive the medium even after a predetermined time has elapsed after the medium is discharged, the medium is collected inside the automatic transaction apparatus 1 and a third party is collected. It has a function to prevent taking away by. This function is realized by a medium collection program installed in the control device 5 as shown in FIG.

  The medium collection program is started simultaneously with the execution of step S12, step S13 or step S15 of the main program. When the medium recovery program is started, first, the first timer is started (step S21). The first timer defines a medium collection time limit, that is, a time limit (for example, 30 seconds) for collecting the medium in the automatic transaction apparatus 1 if the customer 6 does not receive the medium before the time elapses. It is a timer. In other words, while the timer of the first timer is operating, the medium discharged to the outside of the automatic transaction apparatus 1 is kept at the place where it is discharged, that is, the card / passbook collation apparatus 2 or the bill input / output port 4. It waits for receipt by the customer 6.

  If the customer detection sensor 12 has not detected the customer 6 (step S23; NO) when the medium recovery time limit has elapsed and the first timer has stopped (step S22), the process proceeds to step S27, and the medium is removed. Collect in the automatic transaction apparatus 1. That is, if the medium is a banknote, it is taken into the collection box 9, and if it is a card, it is taken into the card / passbook matching device 2. If the medium is a transaction record slip, it is returned to the inside of the automatic transaction apparatus 1 from a transaction record slip port (not shown).

  The state in which the customer detection sensor 12 does not detect the customer 6 is a state in which the level of the detection signal of the customer detection sensor 12 is below (or above) a predetermined threshold value. This refers to a state that is considered not to exist in a predetermined range in the vicinity, and is not limited to the case where the level of the detection signal of the customer detection sensor 12 becomes zero. In other words, if the customer detection sensor 12 does not detect the customer 6, the medium is collected inside the automatic transaction apparatus 1 when the customer 6 does not exist in a predetermined range near the automatic transaction apparatus 1. It means to collect in the automatic transaction apparatus 1.

  Now, if the customer detection sensor 12 has detected the customer 6 (step S23; YES), it will progress to step S24. Then, with reference to the detection history (described later) of the customer detection sensor 12 recorded in the control device 5, during the transaction, that is, during each step from step S01 to step S11 of the main program and step S14, the customer 6 Check for the fact that the detection of the interruption was interrupted. If there is an interrupted fact, that is, a fact that the customer 6 is away from a predetermined range in the vicinity of the automatic transaction apparatus 1 during the transaction (step S24; YES), the process proceeds to step S27, and the medium is placed inside the automatic transaction apparatus 1. to recover. This is because the customer 6 who is away from the vicinity of the automatic transaction apparatus 1 during the transaction has a high possibility of forgetting to remove the medium, and it is considered appropriate to collect the medium at an early stage.

  If there is no fact that the detection of the customer 6 is interrupted during the transaction (step S24; NO), the second second timer is started (step S25). The second timer is a timer for an extended time (for example, 15 seconds) for extending the medium collection limit time. Then, even when the second timer is stopped (step S26), that is, when the medium is not taken out even after the extension time has elapsed, the medium is collected inside the automatic transaction apparatus 1 (step S27).

  Thus, since the automatic transaction apparatus 1 is provided with a medium collection program and collects a medium when a predetermined requirement is satisfied, it is possible to avoid the risk that a forgotten medium is taken away by a third party.

  Furthermore, the automatic transaction apparatus 1 has a function of preventing forgetting to remove the medium. For that purpose, the automatic transaction apparatus 1 has a forgetting prevention program as shown in FIG.

  The forgetting prevention program is used when the customer 6 no longer detects the customer 6 by the customer detection sensor 12 while the customer 6 is trading with the automatic transaction apparatus 1, that is, the customer 6 is in a predetermined range near the automatic transaction apparatus 1. Fired when you leave. When the forgetting prevention program is activated, the fact is recorded in a predetermined storage area of the control device 5 (step S31).

  This record is referred to in step S24 of the medium recovery program described above. Next, it is verified when the interruption of detection of the customer 6 by the customer detection sensor 12 occurs. If the interruption occurs during execution of step S04 to step S06 or step S09 of the main program, that is, a guidance image as shown in FIG. 3B is displayed on the display / operation input device 3, and the customer 6 3 is displayed, or a guidance image as shown in FIG. 3D is displayed and occurs in a phase requesting the customer 6 to wait until the deposit acceptance process is completed (step S32; YES). If so, do nothing and exit. In such a phase, the operation of the customer 6 tends to be large, and the break is detected even though it has not actually left the automatic transaction apparatus 1 side or has returned to its original state in a very short time even if it has left. Because there are things. In addition, if an alarm is issued one by one in such a case, it is troublesome for the customer 6, and it is more troublesome for other people in the place because the alarm is only noise.

  If the interruption occurs in a phase other than the above phase (specific phase) (step S32; NO), the process proceeds to step S33. If the interruption occurs during execution of step S25 of the medium collection program, that is, during the operation of the second timer (step S33; YES), the medium is collected into the automatic transaction apparatus 1 (step S33). S34) and the program is terminated. If the interruption occurs at a timing other than during the execution of step S24 of the medium recovery program (step S33; NO), an alarm is output from the voice output device 11 and the customer 6 is in the vicinity of the automatic transaction device 1. Prompt to return to For example, an announcement such as “Customer, transaction has not been completed” or “Customer, something left behind” is issued (step S35), and the program is terminated.

  In step 24 of the medium collection program, if the customer detection sensor 12 detects that the customer 6 is interrupted once, the medium collection limit time is not extended. If the number of interruptions and the length of the interruption time are determined, a threshold is set. If the number of interruptions and the interruption time are less than the threshold, the medium recovery time limit may be extended. Good. That is, the second timer may be started when the number of interruptions and interruption time are below the threshold. Alternatively, even if there is an interruption in detection, if the number of interruptions and the interruption time are below the threshold, the time for extending the medium collection limit time may be shortened from the normal time. In other words, a third timer with a shorter set time than the second timer is prepared, and even if there is an interruption in detection, if the number of interruptions and the interruption time are below the threshold, the third timer is You may make it start.

  In the medium collection program, the medium collection time limit is extended only once, but may be extended a plurality of times. For example, if the customer detection sensor 12 detects the customer 6 when the second timer ends, the second timer may be activated again to extend the medium collection time limit. In this case, an upper limit may be set for the number of times the medium recovery time limit is extended.

  Note that the alarm issued by the audio output device 11 is not limited to the announcement as described above. A chime or buzzer may be played, or the volume of normal voice guidance may be increased.

  Further, the voice output device 11 and the customer detection sensor 12 may not be attached to the same housing as the main body of the automatic transaction device 1, that is, the card / passbook matching device 2, the display / operation input device 3, and the bill input / output port 4. Good. It may be attached to the ceiling or wall of the installation place of the automatic transaction apparatus 1 and connected to the automatic transaction apparatus 1 via a signal line or the like. Alternatively, they may be connected via wireless communication means.

  The embodiments shown in the present specification are examples of specific embodiments of the present invention, and the technical scope of the present invention is not limited by the description of the embodiments. The present invention can be freely applied, modified or improved within the scope of the technical idea disclosed in the claims. For example, in the present specification, an example in which a function for collecting a forgotten medium or an alarm for preventing the forgetting is realized by a program installed in the control device 5 is described. Of course, it is possible to implement the hardware.

  The present invention is useful as an automatic transaction apparatus such as an ATM apparatus or a CD apparatus.

1: Automatic transaction device 2: Card / passbook collation device 3: Display / operation input device 4: Bill input / output port 5: Control device 6: Customer 7: Dispensing transport device 8: Bill storage box 9: Collection box 10: Collection transport device 11: Audio output device 12: Customer detection sensor 21: “Deposit” button 22: “Cancel” button 23: “Confirm” button 24: “Confirm” button

Claims (8)

Medium recovery means for recovering the medium when the medium discharged to the medium discharge device is not taken out within the medium recovery time limit;
In an automatic transaction apparatus comprising a user detection means for detecting the presence of a user,
When the user detection means detects the user when the medium recovery time limit elapses, the medium recovery time limit is extended by a predetermined time , and
The media collection time limit is extended when the user detection means has interrupted the user from the start of operation of the automatic transaction apparatus by the user until the medium dispensing apparatus dispenses the medium. An automatic transaction apparatus characterized by shortening the time required for the transaction. The medium recovery only when the user detection means continues to detect the user without interruption from the start of operation of the automatic transaction apparatus by the user until the medium dispensing apparatus dispenses the medium. The automatic transaction apparatus according to claim 1, wherein the time limit is extended. 2. The medium recovery time limit is extended again when the user detection means detects the user when the extended medium recovery time limit elapses. 3. Automatic transaction device. 2. The automatic transaction apparatus according to claim 1, wherein the medium is immediately collected when the user detection unit stops detecting the user within the extended medium collection time limit. Voice output means for guiding the user to the operation procedure of the automatic transaction apparatus,
The audio output means is cautioned by the user when the medium paid out to the medium payout device is not removed even after a predetermined time has passed and the user detecting means detects the user. The automatic transaction apparatus according to claim 1, wherein a voice output for calling out is performed. The voice output means, when the user detection means no longer detects the user during the transaction by the automatic transaction apparatus,
The automatic transaction apparatus according to claim 5 , wherein a voice output for alerting the user is performed. The voice output means is in a specific phase in the middle of the transaction by the automatic transaction apparatus, when the user detection means stops detecting the user,
The automatic transaction apparatus according to claim 6 , wherein a voice output for alerting the user is performed. Medium recovery means for recovering the medium when the medium discharged to the medium discharge device is not taken out within the medium recovery time limit;
Installed in a computer for controlling an automatic transaction apparatus comprising: a user detecting means for detecting the presence of a user;
If the user detection means detects the user when the medium collection time limit elapses, the medium collection time limit is extended by a predetermined time , and
The media collection time limit is extended when the user detection means has interrupted the user from the start of operation of the automatic transaction apparatus by the user until the medium dispensing apparatus dispenses the medium. A program characterized by shortening the time to perform.

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