JP5283546B2 - Automatic cash transaction equipment - Google Patents

Description

  The present invention relates to an automatic cash transaction apparatus, and more particularly, to an automatic cash transaction apparatus used in a financial institution such as a bank capable of checking a balance when operating a transaction.

  2. Description of the Related Art Conventional automatic cash transaction apparatuses are generally configured to perform a transaction in which a customer operates and selects a transaction item displayed on a customer operation unit. In such an automatic teller machine, for example, the “balance check” key can be operated at all times during the period from when the cash withdrawal process is selected until the transaction ends, If you press the "Balance confirmation" key, you can check the balance value of the bank account, and after entering the withdrawal amount, when the "Balance confirmation" key is pressed, the account balance value before the transaction and the account balance after the transaction Configured to display values.

  In addition, the camera is equipped with a camera that captures the back of the customer, the image captured by the camera is displayed on the customer operation unit, and the user is displayed by displaying a warning screen when recognizing that the camera is being viewed from the back. There is also known an automatic teller machine that can call attention.

  In addition, the technique described in patent document 1, 2, etc. is known as a prior art regarding the automatic teller machine as mentioned above, for example.

JP-A-6-314365 JP 200631287 A

  The automatic cash transaction apparatus according to the prior art is one in which a customer operates and inputs a transaction item displayed on a customer operation unit and performs a selected transaction. For example, when a withdrawal process is selected, a withdrawal is performed. Until the transaction is completed, the account balance value will be displayed when you press the “balance check” key provided in the operation section, and the account balance value will always be displayed while the transaction is being processed. There is a possibility that the displayed account balance value may be viewed from the back, and security is not taken into consideration.

  The purpose of the present invention is to solve the above-mentioned problems of the prior art, and when the user tries to check the balance of the account, the account balance value cannot be seen even if it is looked at from behind, and the crime Another object of the present invention is to provide an automatic teller machine capable of preventing the occurrence of the cash.

According to the present invention, the object is to provide an information input means that has a balance confirmation key and information is input by a customer, a display means that displays information such as transaction details in accordance with an input operation, and a control means. An automatic cash transaction apparatus that performs transactions in accordance with customer operations , wherein the display means includes at least a transaction amount display area for displaying transaction details when the transaction is started, and a customer account for performing operations. An account balance value display area for displaying the balance value, and the control means displays mask data having no meaning as a predetermined numerical value instead of the account balance value as the account balance value of the customer. or, the account balance value display entire predetermined concentration area, or in the state of masking the account balance value fills a predetermined color, have rows display as the content of the account balance value is not known, the information When the balance confirmation key of the input means is pressed, the cash balance is released during the preset display time or while the balance confirmation key is pressed, and the account balance value is masked and the account balance value is displayed. in transaction equipment, a means for detecting by the recognition camera images that information such as the contents of the transaction that is displayed on the display means from a position overlooking the rear of customers who operation is peeped provided, the control The means fixes the account balance value mask in a valid state when it is recognized that the detection means is peeping, invalidates the pressing of the balance confirmation key, and blinks the mask data. Alternatively, it is achieved by warning the customer by blinking display of the entire account balance value display area .

  According to the present invention, the account balance value is displayed only while the customer is pressing the “balance check” key, or for a certain period of time, so when the “balance check” key is not pressed, or Even if it is not during a certain period of time, the account balance value can be made invisible even if it is viewed by another person from the back, and crime can be prevented from being induced.

It is a perspective view which shows the external appearance of the automatic teller machine by one Embodiment of this invention. It is a block diagram which shows the function structure of the automatic teller machine by one Embodiment of this invention. It is a figure which shows the example of the transaction selection screen for a user to select a transaction item. It is a figure which shows the example of the drawer operation screen displayed after selecting the "drawer" key of the transaction selection screen shown in FIG. It is a flowchart explaining the processing operation | movement of the automatic teller machine by embodiment of this invention taking a drawer process as an example.

  Hereinafter, embodiments of an automatic teller machine according to the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a perspective view showing an appearance of an automatic teller machine 1 according to an embodiment of the present invention. The automatic teller machine 1 shown in FIG. 1 is provided with a panel portion configured in a substantially L shape on the front side of a housing, and a passbook entrance / exit 2, a camera 4, a card entrance / exit on a vertical surface of the panel portion. / The bill slip outlet 5 is provided, and the bill deposit / withdrawal port 3, the coin deposit / withdrawal port 3 ', and the customer operation unit 6 are arranged on a substantially horizontal surface of the panel unit. The illustrated automatic teller machine 1 has transaction functions such as deposit / withdrawal, passbook entry, transfer, balance inquiry and the like.

  FIG. 2 is a block diagram showing a functional configuration of the automatic teller machine 1 according to the embodiment of the present invention.

  In the automatic teller machine 1, the control unit 14 includes a customer operation unit 6, which includes an information input unit 6a using a touch panel or the like and an information display unit 6b using a liquid crystal or the like, a camera 4, a camera image recognition unit 7, and a camera image. The determination control unit 8, the timer unit 9, the mask control unit 10, the statement slip output unit 5a, the card unit 5b, the bankbook processing unit 2a, the banknote / coin processing unit 3a, the voice guidance unit 11, the speaker 12, and the power supply unit 13 are connected. Configured. The control unit 14 is connected to the center system 16 via the interface control unit 15. In the automatic teller machine 1, the control unit 14 communicates with the center system 16 via the interface control unit 15 to perform control for taking in the information necessary for user authentication and transaction, and for depositing / withdrawing, bankbook Execute transaction processing such as entry, transfer, balance inquiry, etc. while displaying and giving voice guidance. The functions of the automatic teller machine 1 according to the embodiment of the present invention shown in FIG. 2 are basically constructed in an information processing apparatus configured with a CPU, a memory, a nonvolatile storage device, and the like. .

  FIG. 3 is a diagram showing an example of a transaction selection screen for the user to select a transaction item. The transaction selection screen shown in FIG. 3 is displayed as an initial screen on the customer operation unit 6. The “draw” key 17, “transfer” key 18, “balance inquiry” key 19 for selecting a transaction, A “deposit” key 20 and a “passbook entry” key 21 are arranged.

  FIG. 4 is a diagram showing an example of a drawer operation screen displayed after the “drawer” key 17 on the transaction selection screen shown in FIG. 3 is selected. The withdrawal operation screen displayed on the customer operation unit 6 includes a transaction amount display area 22 for displaying the input withdrawal amount, a “balance check” key 31 for displaying an account balance value, and a user account balance value. An account balance value display area 23 for displaying the transaction amount, a numeric keypad 24 for inputting the transaction amount, a “ten thousand” key 25, a “thousand” key 26, a “yen” key 27, a “confirmation” key 28, and a transaction amount. A “correction” key 29 used for correction and a “cancel” key 30 for canceling the drawer processing are arranged.

  FIG. 5 is a flowchart for explaining the processing operation of the automatic teller machine 1 according to the embodiment of the present invention, taking a withdrawal process as an example, which will be described next.

(1) First, it is assumed that the transaction selection screen described with reference to FIG. 3 is displayed on the customer operation unit 6, and the customer selects the withdrawal process by pressing the “drawer” key 17 on the transaction selection screen (step) S1).

(2) When the “withdrawal” key 17 is pressed in step S1 and the withdrawal process is started, the control unit 14 displays a passbook or card insertion instruction screen (not shown) to prompt the customer to insert a passbook or cash card. indicate. Here, it is assumed that the customer has inserted a cash card into the card entry / exit exit 5. When the card is inserted, the card unit 5b reads the card (step S2).

(3) Next, the control unit 14 displays a screen for prompting the input of a personal identification number in order to confirm that the operating customer is the card user himself / herself. The customer inputs a pre-registered personal identification number from the customer operation unit 6 in accordance with a screen prompting the user to enter the personal identification number (step S3).

(4) After confirming the input password, the control unit 14 communicates with the center system 16 via the interface control unit 15. The center system 16 determines whether or not the password corresponding to the customer's cash card held by the system matches the password sent from the control unit 14 of the automatic teller machine, that is, the customer It is determined whether or not the input password is correct, and the result is returned to the control unit 14 (step S4).

(5) The control unit 14 receives the determination result as to whether or not the personal identification number input by the customer from the center system 16 is correct, determines whether or not the determination result is correct, and if it is not correct, the control unit 14 starts from step S3. Returning to the process, the password is re-entered (step S5).

(6) If the password entered by the customer is correct in the determination in step S5, the center system 16 has notified the customer's account balance in the communication in step S4. The balance is received (step S6).

(7) The control unit 14 displays the drawer operation screen described with reference to FIG. At this time, the control unit 14 instructs the mask control unit 10 to mask the received account balance. The mask control unit 10 displays the account balance in the mask state in the account balance value display area 23 of the displayed withdrawal operation screen. The display of the account balance in the mask state is mask data that has no meaning as a predetermined numerical value instead of the account balance to be displayed transmitted from the center system, for example, ***,. * May be displayed so that the contents of the account balance are not understood, or the entire account balance value display area 23 may be filled with a predetermined concentration or color (step S7). .

(8) The control unit 14 determines whether or not the customer performing the transaction has pressed the “balance check” key 31 on the withdrawal operation screen shown in FIG. 4 in order to confirm the value of the bank account balance. When the “balance check” key 31 is pressed, the timer unit 9 is activated and it is determined whether or not the set time t set in the immmer unit 9 is t = 0 (seconds) (steps S8 to S10). ).

(9) If it is determined in step S10 that the set time t set in the immmer unit 9 is not t = 0, the timer unit 9 starts measuring the time until the set time elapses. Further, the control unit 14 instructs the mask control unit 10 to cancel the display of the mask state in the account balance value display area 23 on the withdrawal operation screen. As a result, the mask control unit 10 cancels the mask state, so that the account balance is displayed in the account balance value display area 23. The set time of the timer unit 9 can be set to an arbitrary value by an administrator or the like (step S11).

(10) The controller 14 allows the camera image recognizing unit 7 that recognizes an image taken by the camera 4 to confirm the presence of a person behind the customer and see information such as the contents of the displayed transaction. When the camera image determination control unit 8 recognizes that another person is peeping from a certain position and the presence of the person cannot be confirmed behind the customer, the timer unit 9 sets the set time. It is determined whether or not the time has elapsed, and if the set time has not elapsed, the determination to confirm the presence of the person behind the customer is continued, and until the set time of the timer unit 9 has elapsed, The account balance is continuously displayed in the account balance value display area 23 (steps S12 and S13).

(11) If it is determined in step S10 that the set time t set in the immmer unit 9 is t = 0, the control unit 14 displays the balance while the “balance check” key 31 is being pressed. As an example, the mask control unit 10 is instructed to cancel the display of the mask state in the account balance value display area 23 on the withdrawal operation screen. Thereby, since the mask control part 10 cancels | releases a mask state, an account balance is displayed on the account balance value display area 23 (step S14).

(12) Thereafter, the control unit 14 confirms the presence of a person behind the customer by the camera image recognition unit 7 that recognizes the image taken by the camera 4 and sees information such as the contents of the displayed transaction. If the camera image determination control unit 8 recognizes that another person is peeping from a position where the person can be detected, and if the presence of the person cannot be confirmed behind the customer, the process from step S8 Returning to step S16, it is confirmed that the “balance check” key 31 has been pressed, and while the “balance check” key 31 is being pressed, the display of the account balance in the account balance value display area 23 is continued (step S16). ).

(13) If the presence of the person is confirmed in the determination of whether or not the presence of the person is confirmed behind the customer in steps S12 and S16, the control unit 14 masks the account balance received by the mask control unit 10 Instructed to enter the state. The mask control unit 10 sets the account balance in the account balance value display area 23 on the withdrawal operation screen that has been displayed in the mask state as in step S7 (step S17).

(14) Next, the control unit 14 invalidates the “balance check” key 31 so that even if the “balance check” key 31 is pressed, the next process associated therewith is not performed, and the account balance value Mask data in place of the display area 23 or the displayed account balance is displayed in a blinking manner to alert the customer who is doing the transaction (steps S18 and S19).

(15) If it is determined in step S8 that the “balance check” key 31 has not been pressed, or if it is determined in step S13 that the set time of the timer unit 9 has elapsed, the control unit 14 The account balance in the account balance value display area 23 on the withdrawal operation screen performed in the process of step S7 is kept in the masked state, or the account balance value display area 23 in the withdrawal operation screen that has been displayed is displayed. The account balance is set as a mask state display (step S14).

(16) After the process of step S14 or after the process of step S19, the customer can use the 10 key 24, the “ten thousand” key 25, the “thousand” key 26 provided in the customer operation unit 6 shown in FIG. The withdrawal amount is entered using the “yen” key 27. At this point, if an incorrect amount is entered, the customer can re-enter the withdrawal amount by using the “correction” key 29 without pressing the “confirm” key 28 (step). S20).

(17) After the customer inputs the withdrawal amount, the control unit 14 confirms that the entered withdrawal amount is correct, determines whether or not the “confirmation” key 28 is pressed, and the “confirmation” key 28 When pressed, the customer operation unit 6 displays a money amount confirmation screen (not shown), confirms the withdrawal amount again, and if the withdrawal amount is present, causes the customer to press the “confirm” key 28 again. If the withdrawal amount is different, the user presses the “cancel” key to return to the withdrawal amount screen shown in FIG. 4 and returns to the process of step S20 to input the withdrawal amount again (step S21). .

(18) After confirming that the “confirm” key has been pressed in the confirmation of the withdrawal amount in the processing of step S21, the control unit 14 displays a card receipt screen (not shown) on the customer operation unit 6 and The card is discharged to the statement slip exit 5 and received by the customer (step S22).

(19) After that, the control unit 14 displays a statement slip receipt screen (not shown) on the customer operation unit 6 and discharges the statement slip printed with the transaction contents and the like from the card entry / exit / detail slip exit 5 by the statement slip output unit 5a. The banknote / coin processing unit 3a performs a process of outputting the required amount, and the output banknote / coin is received from the banknote deposit / withdrawal port 3 and the coin deposit / withdrawal port 3 ′. (Step S23).

  In the processing after step S20 described above, even when the mask balance value display area 23 or the mask data in place of the displayed account balance is blinking, the customer inputs the withdrawal amount and performs the withdrawal process. You can continue.

  In the embodiment of the present invention, at the time when the account balance value is displayed in the account balance value display area 23 in the above-described process, the process of the person confirmation in the back by the camera image recognition (steps S12 and S16) is performed. When the person is confirmed behind, the account balance in the account balance value display area 23 on the withdrawal operation screen is set to the mask state, the “balance check” key 31 is invalidated, and the “balance check” key 31 is pressed. However, the following processing is not performed, and the account balance value display area 23 or mask data in place of the displayed account balance is flashed to alert the customer who is doing the transaction. However, the process of confirming the person behind the camera image recognition may be always performed while the transaction is being performed. When the person is confirmed behind, the account balance value is displayed. Even if not, so as to blink the account balance value display area 23, also out that the processing of the transaction is to be alert to it to tell the customer that has been peeped from behind. In this case, the display area to be blinked is not limited to the account balance value display area 23 and may be anywhere in the operation display area.

  The processing in the above-described embodiment of the present invention is configured by a program and can be executed by a CPU included in the present invention. These programs are stored in a recording medium such as an FD, CDROM, or DVD and provided. And can be provided as digital information via a network.

  Although the above-described embodiment of the present invention has been described as applying the present invention to a cash withdrawal transaction, the present invention can be applied to each transaction such as transfer, balance inquiry, deposit, and passbook entry. .

  Moreover, although embodiment of this invention mentioned above demonstrated as what displays the account balance value before transaction start, after the transaction amount in the middle of transaction is input, this invention is "balance confirmation" key 31 is displayed. When pressed, the account balance before the transaction start and the account balance value after the transaction can be displayed in the account balance value display area 23.

  As described above, the embodiment of the present invention displays the user's account balance value in a masked state, and only while the key is pressed by pressing the “balance check” key 31 or Because the account balance value is checked by the user for a certain period of time, by looking into the account balance value from the back, it is possible to prevent problems that may induce crimes and improve security. Can be secured.

  In the above-described embodiment of the present invention, instead of the account balance value to be displayed transmitted from the center system 16 at the start of the transaction, predetermined mask data, for example, ***,. The account balance value of the user is displayed so that the contents of the account balance value are not understood or the entire account balance value display area 23 is filled with a predetermined concentration or color. When the balance is displayed in the mask state and the “balance check” key 31 is pressed, the user can read the account balance value only while the “balance check” key 31 is pressed or for a certain period of time. Is displayed to allow the customer to check the balance.

  As a modification of the above-described embodiment, the present invention is mask data displayed in place of the account balance value without using the “balance check” key 31, for example, the account balance value display of FIG. 4. By touching a part of ***,..., *** shown in the area 23 with a finger, the mask of the touched part can be released, and the account balance value of that part can be displayed. . In this case, when the digit position touched with a finger is skipped, only the numerical value of the touched digit can be displayed so that the portion where the numerical value can be seen is touched again with the finger. In some cases, the part can be masked again so that its contents are not visible.

  In addition, the present invention cancels the mask state of the account balance value display area 23 by touching the account balance value display area 23 that is filled with a predetermined density or color with a finger, It is also possible to display the account balance value so that it can be seen. In this case as well, when a part of the account balance value that is displayed so that it can be seen is touched with a finger, the numerical value of the touched part is masked and the account balance value of that part is displayed invisible. You can also.

  Further, the present invention not only sets the account balance value as described above to the masked state or cancels it, but also displays it in other displayed items, for example, the transaction amount display area 22. With respect to the withdrawal amount, it is possible to put it in a masked state or cancel it in the same manner as for the account balance value display area 23 and the displayed account balance value. In this case, when the transaction amount display area 22 and the account balance value display area 23 are arranged in the horizontal direction on the display screen, when the mask state is used or cancelled using the finger as described above, Processing can be performed while sliding a finger on the area.

  The present invention provides security even when the user can confirm the withdrawal amount and the balance value of the bank account by one operation by displaying the account balance value at the time of transaction execution by the automatic teller machine. High cash automatic transaction apparatus.

DESCRIPTION OF SYMBOLS 1 Cash automatic transaction apparatus 2 Passbook entrance / exit 2a Passbook processing part 3 Banknote deposit / withdrawal port 3 'Coin deposit / withdrawal port 3a Banknote / coin processing part 4 Camera 5 Card entry / exit exit 5a statement slip output part 5b Card part 6 Customer Operation unit 6a Information input unit 6b Information display unit 7 Camera image recognition unit 8 Camera image determination control unit 9 Timer unit 10 Mask control unit 11 Voice guidance unit 12 Speaker 13 Power supply unit 14 Control unit 15 Interface control unit 16 Center system 17 “Drawer” key 18 “Transfer” key 19 “Balance inquiry” key 20 “Deposit” key 21 “Passbook entry” key 22 Transaction amount display area 23 Account balance value display area 24 Numeric keypad 25 “10,000” key 26 “Thousand” key 27 “Yen” key 28 “Confirm” key 29 “Correction” key 30 “Cancel” key 31 “Balance confirmation” "Key

Claims (1)

It has an information input means for inputting information by a customer with a balance confirmation key, a display means for displaying information such as transaction contents in response to an input operation, and a control means. an automatic teller machine to perform,
The display means has at least a transaction amount display area for displaying the transaction content when the transaction is started, and an account balance value display area for displaying the account balance value of the customer who performs the operation. Displays, as an account balance value of a customer, mask data having no meaning as a predetermined numerical value instead of the account balance value, or the entire account balance value display area has a predetermined density or a predetermined color. in the state of masking the account balance value filled by, have rows display as the content of the account balance value is not known, when the balance confirmation key of the information input unit is pressed during a predetermined display time , or while the balance confirmation key is pressed, the automatic cash transaction equipment to view the account balance value to unmask an account balance value,
Providing a means for detecting by recognition of the camera image that information such as the contents of the transaction displayed on the display means is being viewed from a position visible behind the customer who is operating;
When it is recognized that the control means is peeped by the detecting means, the mask of the account balance value is fixed in a valid state, the pressing of the balance confirmation key is invalidated, and the mask data An automatic cash transaction apparatus for warning a customer by blinking display or blinking display of the entire account balance value display area .