JP4485266B2 - Automatic contract acceptance machine - Google Patents

Description

  The present invention performs reception processing such as a loan contract in consumer finance, which includes an image reading unit with a lid for reading an image of a document presented by a customer and an imaging unit for mainly imaging a customer's face. Related to the automatic contract acceptance machine.

  As an automatic contract reception machine as described above, there is one described in Patent Document 1, for example. Patent Document 1 describes an image reading unit that also serves as a display unit, and a pressing and holding unit for pressing and holding a document on the reading surface.

Moreover, the automatic contract acceptance machine according to the prior application (Japanese Patent Application No. 2003-392646) by the applicant of the present application includes an image reading unit with a lid and an imaging unit that mainly images a customer's face. The image reading means has a lower lid in which a part of the surface covering the reading surface is transparent, and an upper lid covering the transparent portion of the lower lid. At the time of image reading, by closing the upper lid, the lower lid and the upper lid can form an opaque lid as a whole, and light from the outside can be prevented from entering the reading surface.
Japanese Patent Laid-Open No. 10-154196 (FIGS. 1, 8, 9, 12)

  In the automatic contract accepting machine according to the above-mentioned prior application and the like, the image pickup means to at least a part of the image reading means (usually closer to the customer) so that not only the customer's face but also the hand operation can be confirmed. Is within the imaging range. However, even within the imaging range of the imaging means, there may be a blind spot that is blocked by the lid of the image reading means and the customer's hand cannot be confirmed. For this reason, there is a possibility of allowing the fraudulent conduct of the customer hidden in the blind spot. For example, in an automatic contract acceptance machine that collects the presented document into the machine after reading the image, there is a possibility of allowing an illegal act such as switching the presented document and the collected document.

  The present invention has been made in consideration of such points, and within the imaging range of the imaging means, it is possible to reduce blind spots that are blocked by the lid of the image reading means and cannot confirm the customer's hand. The purpose is to provide an automatic contract acceptance machine.

  1st invention is the automatic contract reception machine operated by the customer located in front of the machine body, the display unit for displaying information to the customer, the operation unit operated by the customer, and the document presented by the customer An image reading means having a reading surface for reading the image of the image, a lid that covers the reading surface so as to be openable and closable, and an imaging means capable of imaging an imaging range including a customer's face, and the lid of the image reading means The body has an opaque part that covers the whole of the reading surface and a transparent part at least part of which falls within the imaging range of the imaging means.

  According to the first aspect of the invention, when reading the image of the document presented by the image reading means, the reading surface is covered with the opaque portion of the lid so that light from the outside does not enter the reading surface. Can be. In addition, the transparent part of the lid that at least partly falls within the imaging range of the imaging means reduces the blind spot that is blocked by the lid of the image reading means within the imaging range of the imaging means and cannot confirm the customer's hand. It becomes possible.

  The second invention relates to an automatic contract acceptance machine operated by a customer located in front of the machine body, a display unit for displaying information to the customer, an operation unit operated by the customer, and a document presented by the customer An image reading means having a reading surface for reading the image of the image, a lid that covers the reading surface so as to be openable and closable, a first imaging means capable of imaging an imaging range mainly including a customer's face, and mainly a hand portion of the customer A second imaging unit capable of imaging an imaging range including at least one of the first imaging unit and the second imaging unit, wherein the lid of the image reading unit includes an opaque portion that covers the entire reading surface, and the first imaging unit and the second imaging unit. It is an automatic contract acceptance machine characterized by having a transparent part at least part of which falls within one imaging range.

  According to the second aspect of the invention, when reading the image of the document presented by the image reading means, the reading surface is covered with the opaque portion of the lid so that light from the outside does not enter the reading surface. Can be. Further, the lid of the image reading unit is blocked by the transparent portion of the lid that at least partially enters the imaging range of at least one of the first imaging unit and the second imaging unit within the imaging range of each imaging unit. It becomes possible to reduce blind spots where the customer's hand cannot be confirmed.

  According to a third invention, in the first or second invention, the lid of the image reading means is provided such that the transparent portion is closer to the customer than the opaque portion.

  According to the third aspect of the invention, it is possible to particularly effectively reduce the blind spots where the customer's hand cannot be confirmed.

  Next, an embodiment of the present invention will be described with reference to the drawings. 1 to 8 are diagrams for explaining an embodiment of an automatic contract accepting machine according to the present invention. Hereinafter, the configuration, operation, effects, and modifications of the present embodiment will be sequentially described.

[Constitution]
First, FIG. 1 shows an example of an automatic contract reception system using an automatic contract reception machine M according to the present invention. This system includes a plurality of stores A, B, C,..., N each having one or more automatic contract accepting machines M installed therein, and a plurality of operators managing the automatic contract accepting machines M of the stores A to N. The terminals a, b, c,..., M are configured with a center. The automatic contract reception machines M of the stores A to N and the terminals a to m of the center are connected to be communicable via the ISDN line L and the center router R.

  Next, the configuration of the automatic contract reception machine M will be described with reference to FIGS.

  An automatic contract accepting machine M shown in FIG. 2 is operated by a customer located in front of the machine body 1 and includes a touch panel display 2 provided at the upper part of the front surface of the machine body 1. The touch panel display 2 is configured as a display operation unit that serves as both a display unit for displaying information to a customer and an operation unit operated by the customer. A reading and collecting unit 3 and a document entry table 6 that extend substantially horizontally forward are provided in the center of the front surface of the machine body 1. The reading / recovery unit 3 is located on the right side and the document entry table 6 is located on the left side as viewed from the customer located in front of the machine body 1.

  As shown in FIGS. 2 to 4, a first imaging means (personal camera) 4 </ b> A is provided on the upper left side of the touch panel display 2. Also, as shown mainly in FIG. 3, a second imaging means (hand camera) 4 </ b> B is provided on the lower left side of the touch panel display 2. As shown in FIG. 4, the first imaging means 4A can mainly image the imaging range 4a including the customer's face, and the second imaging means 4B can mainly image the imaging range 4b including the customer's hand. Yes.

  As shown in FIGS. 2 to 4, a card issuing unit 5 is provided above the document entry table 6 (immediately below the second imaging means 4 </ b> B), and a contract issuing unit is provided on the base end of the document entry table 6. 7 is provided. In addition, a detachable call unit (handset) 8 that is used when making a call with the operator of the center (FIG. 1) is attached to the left side of the first imaging unit 4A.

  The reading and collecting unit 3 shown in FIG. 2 includes an image reading unit 3A and a document collecting unit 3B. The image reading means 3A is a rectangular reading surface 30 that reads an image of a document (application form, identification card, and contract) presented by a customer, and a substantially rectangular flat lid that covers the reading surface 30 in an openable and closable manner. 32. The document collection means 3B is configured so that a document (contract) placed on the reading surface 30 (under the lid 32) of the image reading means 3A can be collected into the machine body 1 by a conveyance roller or the like.

  The reading surface 30 of the image reading means 3A is composed of a transparent glass plate or the like, and an optical reading means (not shown) is provided on the lower side thereof. The optical reading means is constituted by, for example, an image sensor or a driving mechanism used in a scanner device well known to those skilled in the art. Further, the lid 32 of the image reading means 3A is configured to be able to open and close with respect to the reading surface 30 about a rotation axis (not shown) extending in the lateral direction disposed in the vicinity of the rear edge. Has been. The lid 32 has an opaque portion 34 that covers the entire reading surface 30 when closed, and a transparent portion 36 provided on the front edge side closer to the customer than the opaque portion 34. In this case, regardless of the opening / closing (rotation position) of the lid 32, the transparent portion 36 of the lid 32 is within at least one of the imaging range 4a of the first imaging means 4A and the imaging range 4b of the second imaging means 4B. It is comprised so that at least one part may enter (FIG. 4).

  Next, a characteristic configuration of the contract document issuing unit 7 will be described with reference to FIG. The contract issuing unit 7 shown in FIG. 5 has a horizontally-long rectangular issuing port 70 opened on the front surface of the machine 1 on the base end of the document entry table 6, and forward of the machine 1 along the upper edge of the issuing port 70. And a projecting hook-shaped guide protrusion 72. A substantially semicircular notch 74 that opens forward is formed at the lateral center of the guide protrusion 72. As a result, even when there is an obstacle S such as a baggage placed by the customer on the document entry table 6, the contract 7 c issued from within the machine body 1 is issued at least by the length of the protrusion of the guide protrusion 72. It becomes possible to advance more. In that case, the contract 7c can be pulled out with a finger using the portion of the notch 74 and pulled out.

  Next, the configuration of the control system of the automatic contract acceptance machine M will be briefly described with reference to FIG. As shown in FIG. 6, the automatic contract reception machine M includes a control unit U that controls each part. The control unit U includes the touch panel display 2, the image reading unit 3A and the document collection unit 3B including the reading collection unit 3, the first imaging unit 4A, the second imaging unit 4B, the card issuing unit 5, as described above. A contract issuing unit 7 and a calling unit 8 are connected to each other. The control unit U is connected to a communication interface unit T for performing communication with the terminals a to m (FIG. 1) of the center and a power supply unit P.

[Operation]
Next, the operation of the automatic contract acceptance machine M will be described along the flowchart of FIG. Here, a case where a new loan contract reception process in consumer finance is performed by the automatic contract reception system shown in FIG. 1 will be described as an example.

  In step S1 of FIG. 7, when a customer who has visited any of the stores A to N (FIG. 1) selects “new contract” on the touch panel display 2 (FIG. 2) of the automatic contract accepting machine M, a new loan contract is established. The acceptance process is started. First, in step S2, a customer fills in a predetermined application form and sets it in the image reading means 3A (FIG. 2). Specifically, after opening the lid 32 of the image reading means 3A and setting the application form on the reading surface 30, the lid 32 is closed and the application form is pressed and held on the reading surface 30 (hereinafter referred to as other types). Documents are set in the same way). The image of the set application form is read by the image reading means 3A and transmitted to the terminals a to m (FIG. 1) corresponding to the center.

  Next, in step S3, each imaging means (camera) 4A, 4B is started. At this point, a display screen 9 as shown in FIG. 8A is displayed on the center terminal. The display screen 9 of FIG. 8A includes customer-side images 9a and 9b by the first imaging means 4A and the second imaging means 4B, and the transmitted application form image 9c. The operator operating the terminal checks the description content through the application image 9c while monitoring the customer images 9a and 9b (step S4).

  If the result of the confirmation is inappropriate (step S5: NG), a reception rejection screen is displayed on the touch panel display 2 of the automatic contract reception machine M (step S15), and the reception process ends.

  On the other hand, if the result of the confirmation is appropriate (step S5: OK), in step S6, the customer sets a driving license as an identification card in the image reading means 3A. The image of the set license is read by the image reading means 3A and transmitted to the center terminal. At this time, a display screen 9 as shown in FIG. 8B is displayed on the center terminal. The display screen 9 in FIG. 8B includes a transmitted license image 9d instead of the application image 9c in the display screen of FIG. 8A. The operator who operates the terminal confirms the description content through the license image 9d while continuously monitoring the images 9a and 9b on the customer side (step S7).

  If the result of the confirmation is inappropriate (step S8: NG), a reception rejection screen is displayed on the touch panel display 2 of the automatic contract reception machine M (step S15), and the reception process ends. On the other hand, if the result of the confirmation is appropriate (step S8: OK), in step S9, the contract is examined based on the contents of the application form and the license.

  If the result of the examination is rejected (step S10: NG), the acceptance rejection screen is also displayed on the touch panel display 2 of the automatic contract acceptance machine M (step S15), and the acceptance process ends.

  On the other hand, if the result of the examination is acceptable (step S10: OK), in step S11, a contract is issued from the contract issuing unit 7 (FIG. 2) of the automatic contract accepting machine M, and the contract is given to the customer. Fill in the necessary information and set it in the image reading means 3A. The image of the set contract is read by the image reading means 3A and transmitted to the center terminal.

  At this time, instead of the license image 9d on the display screen 9 in FIG. 8B, the transmitted contract image is displayed on the center terminal (not shown). In step S12, the operator who operates the terminal continuously monitors the customer-side images 9a and 9b and confirms the description content through the displayed contract image. If there is no particular problem with the description, the contract is collected in the machine 1 by the document collection means 3B (FIG. 2) of the automatic contract reception machine M.

  Next, in step S13, a card such as a loan card is issued from the card issuing unit 5 (FIG. 2) of the automatic contract accepting machine M, and a copy of the contract is issued from the contract issuing unit 7. Finally, in step S14, the operation of each of the imaging means (cameras) 4A and 4B is stopped, and the reception process is ended. The issued card is used, for example, to withdraw a loan from an ATM provided in the automatic contract accepting machine M.

  The time required for the above reception process is about 30 minutes, but from the start to the stop of the imaging means (cameras) 4A and 4B (steps S3 to S14), on the operator side of the center, the imaging means (cameras) ) Monitoring of customer images by 4A and 4B is continuously performed.

[Function and effect]
Next, the effect of this embodiment comprised as mentioned above is demonstrated.

  First, according to the automatic contract accepting machine M of the present embodiment, when reading the image of the document presented by the image reading means 3A, the entire reading surface 30 is covered by the opaque portion 34 of the lid 32. , It is possible to prevent light from the outside from entering the reading surface 30.

  Regardless of whether the lid 32 is opened or closed, the transparent portion 36 of the lid 32 has at least a part within at least one of the imaging range 4a of the first imaging unit 4A and the imaging range 4b of the second imaging unit 4B. In the image pickup ranges 4a and 4b of the image pickup means 4A and 4B, it becomes possible to reduce blind spots where the customer's hand cannot be confirmed by being blocked by the lid 32 of the image reading means 3A. In this case, since the transparent portion 36 of the lid 32 is provided on the front edge side closer to the customer than the opaque portion 34, it is possible to particularly effectively reduce the blind spot where the customer's hand cannot be confirmed. For this reason, it is possible to reduce the possibility of overlooking a customer's fraudulent behavior hidden in the blind spots of the imaging means 4A and 4B.

[Modification]
(1) Although the case where the transparent portion 36 is provided only on the front edge side closer to the customer than the opaque portion 34 in the lid 32 of the image reading means 3A has been described, the present invention is not limited to this. That is, the lid 32 is at least within an opaque portion that covers at least the entire reading surface 30, and within the imaging ranges 4a and 4b of the imaging means 4A and 4B (at least one of the first imaging means 4A and the second imaging means 4B). What is necessary is just to have a transparent part into which a part enters. For example, the opaque portion can be sized corresponding to the reading surface 30, and the entire periphery of the opaque portion can be a transparent portion.

(2) The case has been described in which the lid 32 of the image reading means 3A opens and closes pivotally about a laterally extending rotational axis disposed near the rear edge thereof, but the present invention is not limited to this. . For example, the lid body 32 may be opened and closed laterally around a rotation axis that is disposed in the vicinity of the right edge of the lid body 32 and extends in the front-rear direction.
(3) In the flowchart of FIG. 7, the image pickup means 4A and 4B are started after the image of the application form is transmitted (step S3), and the operation of the image pickup means 4A and 4B is stopped after the card and the contract receipt are issued ( Although the case of step S14) has been described, the start and stop timings of the respective imaging means 4A and 4B can be arbitrarily set. Further, at least one timing of starting and stopping may be different between the imaging units 4A and 4B.

(4) Although the case where the two imaging means 4A and 4B of the first imaging means (personal camera) 4A and the second imaging means (hand camera) 4B are provided has been described, the present invention is not limited to this. For example, only one imaging unit (typically, a personal camera having an imaging range mainly including a customer's face) may be provided.

The block diagram which shows an example of the automatic contract reception system using the automatic contract reception machine by this invention. It is a perspective view which shows one Embodiment of the automatic contract reception apparatus by this invention, Comprising: (a) is the state which closed the cover body of the image reading means, (b) is a figure which shows the state which opened the cover body. The fragmentary perspective view which shows the 2nd imaging means of the automatic contract acceptance machine shown in FIG. The fragmentary perspective view which shows the imaging range of the 1st imaging means and the 2nd imaging means in the automatic contract acceptance machine shown in FIG. The (a) partial top view and (b) longitudinal cross-sectional view which expand and show the contract issuing part of the automatic contract acceptance machine shown in FIG. The block diagram which shows the control system of the automatic contract acceptance machine shown in FIG. The flowchart which shows an example of the automatic contract reception process by the automatic contract reception system shown in FIG. It is a schematic diagram which shows the display screen of the center terminal in the automatic contract reception system shown in FIG. 1, Comprising: The figure which shows (a) application form display state and (b) certificate display state.

Explanation of symbols

M Automatic Contract Acceptance Machine 1 Airframe 2 Touch Panel Display (Display Operation Unit)
DESCRIPTION OF SYMBOLS 3 Reading collection | recovery unit 3A Image reading means 30 Reading surface 32 Cover body 34 Opaque part 36 Transparent part 3B Document collection | recovery means 4A 1st imaging means (personal camera)
4a Imaging range 4B Second imaging means (hand camera)
4b Imaging range 5 Card issuing unit 6 Document entry table 7 Contract issuing unit 70 Issuing port 72 Guide projection 74 Notch 8 Calling unit (handset)
U Control unit 9 Center terminal display screen

Claims (3)

In the automatic contract acceptance machine operated by the customer located in front of the aircraft,
A display for displaying information to the customer;
An operation unit operated by a customer;
Image reading means having a reading surface for reading an image of a document presented by a customer, and a lid that covers the reading surface so as to be freely opened and closed;
Imaging means capable of imaging an imaging range including a customer's face;
With
The automatic contract accepting machine according to claim 1, wherein the lid of the image reading means has an opaque part that covers the entire reading surface, and a transparent part at least part of which falls within the imaging range of the imaging means. In the automatic contract acceptance machine operated by the customer located in front of the aircraft,
A display for displaying information to the customer;
An operation unit operated by a customer;
Image reading means having a reading surface for reading an image of a document presented by a customer, and a lid that covers the reading surface so as to be freely opened and closed;
First imaging means capable of imaging an imaging range mainly including a customer's face;
Second imaging means capable of imaging an imaging range mainly including a customer's hand portion;
With
The lid of the image reading unit includes an opaque part that covers the entire reading surface, and a transparent part that at least partially enters an imaging range of at least one of the first imaging unit and the second imaging unit. Automatic contract acceptance machine characterized by that.   The automatic contract acceptance machine according to claim 1 or 2, wherein the lid of the image reading means is provided with the transparent portion closer to the customer than the opaque portion.

Images