JP5396303B2 - Automatic transaction equipment - Google Patents

Description

  The present invention is an apparatus for accepting a customer's operation such as an automatic transaction apparatus (ATM) or a change machine installed in a financial institution, etc., and executing a transaction desired by the customer, in particular, providing appropriate guidance to the customer. Display and improve customer convenience.

  In recent years, automatic transaction apparatuses installed in financial institutions, etc. have a guidance display screen for customers on automatic transaction apparatuses, and advertisements such as campaign information for customers who are operating and waiting for use. In addition, efforts are being made to improve the convenience of customers by displaying the status of the device.

For example, in an automatic transaction apparatus that has a first display unit that is provided upward on the apparatus and displays customer operation guidance information, and a second display unit that is disposed on the front side of the apparatus and faces the customer side, The display part of 2 is configured with a dot matrix display, and the second display part switches and displays information such as trade items that can be traded, trade items that cannot be traded, customer guidance information, energy saving operation information, and medium status. Automatic transaction devices have been devised. (See Patent Document 1)
Thereby, a customer waiting for use of the apparatus can confirm information such as a transaction item and a medium state that can be currently traded in each apparatus from a place away from the apparatus.

Japanese Patent Application Laid-Open No. 8-235212

  However, according to Patent Document 1, the automatic transaction apparatus only displays the current transaction item and medium state that can be traded on the second display unit, and informs the customer of the state of the apparatus in advance. On the other hand, there was a case where the customer was confused because the notification was not made.

  For example, the automatic transaction apparatus determines the transaction item that can be traded according to the result of the transaction such as cash in and out at the end of the customer's transaction, and if the transaction item that can be traded changes, the transaction of the second display unit is possible. The transaction item display is updated.

  Therefore, if a customer leaves the automatic transaction device immediately after extracting a card, bankbook, cash, etc., the transaction items that can be traded may be updated after the next customer comes to the front of the automatic transaction device. .

  For this reason, in the case of a store configuration in which a plurality of automatic transaction apparatuses are installed and all of the automatic transaction apparatuses are in use, a customer who is waiting for use waits in a line at a specified place. When the transaction of the transaction device is completed, the first customer in the queue of the next waiting customer tries to use the automatic transaction device, but the transaction can be made when the customer tries to start the transaction before the automatic transaction device. The transaction item that the customer was trying to change has been suspended, and the customer has had to return to the top of the queue.

  In order to solve the above-mentioned problems, the present invention provides a customer's confusion by informing the customer waiting for use of the device state at the end of the transaction of the customer used by the customer during the transaction in the automatic transaction device. The purpose of this invention is to provide an automatic transaction apparatus with improved convenience.

In order to achieve the above-mentioned object, the present invention is an automatic transaction apparatus that executes a transaction based on a customer operation, and includes a first display unit that displays information related to the transaction operation for the customer, A second display unit arranged on the customer waiting side of the automatic transaction apparatus, and a state change determination means for determining a state change of the apparatus after completion of at least predetermined processing in the apparatus during execution of the transaction And the state change of the device determined by either the state change re-determination means for re-determining the state change and the state change determination means or the state change re-determination means based on the transaction content after determining the state change. Is provided with a notice informing means for informing the second display section when the transaction is continued.

  ADVANTAGE OF THE INVENTION According to this invention, a highly convenient automatic transaction apparatus can be provided by guiding the state of an automatic transaction apparatus in advance with respect to the customer waiting for use of an automatic transaction apparatus.

External view of automatic transaction apparatus 100 Control block diagram of automatic transaction apparatus 100 Configuration diagram of banknote handling equipment Device operation flowchart Deposit transaction flowchart Deposit money storage processing flowchart Withdrawal transaction flowchart Money withdrawal process flowchart State change judgment processing and redetermination processing Guidance example in the automated transaction equipment corner Example of notification to the guidance display

  Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is an external view of an automatic transaction apparatus 100 that is an automatic teller machine to which one embodiment is applied.

  The automatic transaction apparatus 100 processes a banknote processing apparatus 101 that processes banknotes, a coin processing apparatus 102 that processes coins, a card / detail slip processing apparatus 103 that processes customer transaction cards and transaction statements, and a passbook. The bankbook processing device 104, the customer operation unit 105 that is a first display unit that displays information necessary for the transaction and accepts the customer's operation input, the customer who uses the automatic transaction device 100, and the automatic transaction device 100 A guidance display unit 107, which is a second display unit for displaying guidance for customers waiting for use, is provided.

FIG. 2 is a control block diagram of the automatic transaction apparatus 100.
In the automatic transaction apparatus 100, the banknote processing apparatus 101, coin processing apparatus 102, card / detail processing apparatus 103, bankbook processing apparatus 104, customer operation section 105, clerk operation section 106, guidance display section 107 and these sections are controlled. A main body control unit 110 is mounted. Each of the units 101 to 107 performs a necessary processing operation under the control of the main body control unit 110. For example, the main body control unit 110 instructs the banknote processing apparatus 101 to perform banknote processing operations such as banknote deposit, withdrawal, loading, replenishment, and scrutiny. The main body control unit 110 is connected to the host computer 200 and exchanges data necessary for customer transactions with the host computer 200.

  The customer operation unit 105 includes a touch panel, displays necessary operation contents on the touch panel, and guides customer input. For example, it displays information such as input of transaction type such as deposit, withdrawal, transfer, etc., input of PIN number, amount of money, etc., receives input from the customer, and informs the main body control unit 110.

  The clerk operation unit 106 is an operation unit for an operator such as a clerk to operate and maintain the automatic transaction apparatus. The clerk operation unit 106 is an input unit for instructing bill replenishment and scrutiny. And a display section for displaying a processing result of a scrutiny, a fault location, and the like. The clerk operation unit 106 is in a position where it cannot be seen from the customer, such as the back side of the apparatus.

  FIG. 3 is a configuration diagram of the banknote processing apparatus 101. With reference to FIG. 3, the processing operation of money when a customer executes a deposit transaction and a withdrawal transaction in the automatic transaction apparatus 100 will be described in detail in the present embodiment taking a banknote as an example.

  Here, the deposit / withdrawal cassette 4 is dedicated to 10,000 yen bills, the deposit / withdrawal cassette 5 is dedicated to 5,000 yen bills, and the deposit / withdrawal cassette 6 is dedicated to thousand yen bills. L1 to L10 are conveyance paths for conveying the banknote S.

  When the operation of the automatic transaction apparatus 100 is started, transactions such as deposit, withdrawal, bookkeeping, and transfer can be performed by the customer, and the automatic transaction apparatus 100 can perform transactions such as deposit, withdrawal, bookkeeping, and transfer to the customer operation unit 105. Display the transaction items and wait for the customer to start trading.

  When the customer selects a deposit transaction from the customer operation unit 105, a deposit instruction is sent from the main body control unit 110 to the banknote processing apparatus 101, and the banknote processing apparatus 101 starts a deposit counting process.

  The banknote S thrown into the deposit / withdrawal port 1 by the customer is fed out from the deposit / withdrawal port 1, and the banknote S is identified by the discrimination unit 2 through the transport path L2. In accordance with the result of the discrimination in the discrimination unit 2, the banknotes that have been normally discriminated are stored in the temporary storage unit 3 through the transport paths L3 and L4. The banknotes that could not be identified are returned to the deposit / withdrawal port 1 through the transport paths L3, L6, and L7.

  When the deposit counting process ends, the result is notified from the banknote processing apparatus 101 to the main body control unit 110. When the result of the deposit counting process is notified from the banknote processing apparatus 101, the main body control unit 110 calculates the total amount deposited by the customer and displays it on the customer operation unit 105.

  When the customer confirms the deposit amount displayed on the customer operation unit 105, the main body control unit 110 inquires of the host computer 200 whether the deposit transaction is possible. When the host computer 200 notifies that a deposit transaction is possible, a storage instruction is sent from the main body control unit 110 to the banknote processing apparatus 101, and the banknote processing apparatus 101 starts a storage process.

  The banknote S held in the temporary storage unit 3 is fed out from the temporary storage unit 3, and the banknote S is discriminated by the discrimination unit 2 through the conveyance paths L 5, L 6, and L 2. According to the result of discrimination in the discrimination unit 2, the banknotes that have been successfully identified are stored in the deposit / withdrawal cassettes 4, 5, and 6 for each denomination through the transport paths L3 and L8, and the banknotes that cannot be identified are transported. It is stored in the reject cassette 7 through the paths L3 and L8. When the storage process ends, the storage result is notified from the banknote processing apparatus 101 to the main body control unit 110. When the storage result is notified from the banknote processing apparatus 101, the main body control unit 110 ends the deposit transaction.

  In addition, although the example in the banknote processing apparatus 101 was shown in the above example, the same depositing process and storage process are performed also in the coin processing apparatus 102 (the same applies to the following withdrawal transactions).

Next, the operation of the withdrawal transaction will be described.
When the customer selects a withdrawal transaction from the customer operation unit 105, the card / detailed slip processing device 103 accepts the card or the passbook processing device 104 accepts the passbook. When a customer inputs a password or withdrawal amount from the customer operation unit 105, the main body control unit 110 inquires of the host computer 200 whether or not the withdrawal transaction can be executed. When the host computer 200 notifies that a withdrawal transaction is possible, a withdrawal instruction is sent from the main body control unit 110 to the banknote processing apparatus 101, and the banknote processing apparatus 101 starts a withdrawal process.

  The banknote handling apparatus 101 feeds out banknotes corresponding to the withdrawal amount from the deposit / withdrawal cassettes 4, 5, 6, and the banknotes are discriminated by the discrimination unit 2 through the conveyance paths L 9, L 2. According to the result of the discrimination in the discrimination unit 2, normally verified banknotes are discharged to the deposit / withdrawal port 1 through the transport paths L3, L6, L7, and banknotes that could not be identified pass through the transport paths L3, L8. And stored in the reject cassette 7. When there are banknotes stored in the reject cassette 7, the banknotes that are insufficient for the withdrawal amount desired by the customer are again fed out of the deposit / withdrawal cassettes 4, 5, 6 and the same processing is performed.

  When the withdrawal process is completed, the withdrawal result is notified from the banknote processing apparatus 101 to the main body control unit 110. When banknotes corresponding to the withdrawal amount entered by the customer are normally released to the deposit / withdrawal port, the card / description processing device 103 returns the customer's card and transaction statement slip, and the bankbook processing device 104 returns the customer's bankbook. The bill and coins desired by the customer are delivered to the customer by the bill processing apparatus 101, and the withdrawal transaction is completed.

FIG. 4 is an apparatus operation flowchart showing the operation of the automatic transaction apparatus 100.
When the operation of the automatic transaction apparatus 100 is started, the automatic transaction apparatus 100 determines whether the apparatus itself can be handled or is canceled, for example, whether the reject cassette is full (S1). If the handling is canceled (S1: Y), a message indicating that the handling is stopped is displayed on the guidance display unit 107 (S2), the cause of the handling being stopped by the staff is solved, and the handling start operation, that is, the handling start key is displayed. Waiting for pressing (S3). When the handling start key is pressed by the attendant, a device state change determination process is performed (S4). In this state change determination process, the items shown in FIG. 9A are determined. That is, it is determined whether or not the banknote processing apparatus 101 or the coin processing apparatus 102 has a full reject cassette (reject cassette full) and the banknote or coin can be handled.

  If the device is not ready to be handled (S5: N), the process returns to S3, the cause of the handling is canceled again by the staff, and if the device can be handled (S5: Y), the guidance display unit 107 is displayed. If there are any transaction items that can be traded, such as deposits, withdrawals, bookkeeping, transfers, etc., and the type of transaction that has been canceled, etc. are displayed (S6) .

  If it is determined in S1 that the handling is not stopped (S1: N), the process proceeds to S6, and the same display as described above is performed on the guidance display unit 107. In the present embodiment, the condition for discontinuing the handling of the apparatus is set as to whether the reject cassette is full. However, the determination condition is not limited to this, and the determination may be made based on other conditions.

  Next, tradeable transaction items such as deposit, withdrawal, bookkeeping, and transfer are displayed on the customer operation unit 105 (S7), and a customer transaction selection is awaited (S8). When the customer selects a transaction and starts the transaction, the selected transaction is started (S9). If the deposit is selected, the deposit transaction process is performed (S10). If the withdrawal is selected, the withdrawal transaction is started. When the process is selected (S11), and other transactions such as bookkeeping or transfer are selected, the corresponding transaction process is performed (S12). In the present embodiment, the deposit transaction and the withdrawal transaction will be described.

  When each transaction process ends, the apparatus state is updated based on the process result (S13), and the process returns to the step S1. Here, updating the device status means, for example, that if the device can no longer be handled, the handling is stopped, if the bill or coin cannot be handled, the handling of the bill or coin is stopped, and the thousand yen bill disappears and the thousand yen If the banknote can no longer be withdrawn, it indicates that the withdrawal of the thousand yen banknote will be canceled.

  Next, the operation of the deposit transaction will be described with reference to FIGS. FIG. 5 is a flowchart showing details of the deposit transaction (FIG. 4: S10).

  When the customer selects the deposit transaction from the customer operation unit 105, the deposit transaction process is started, and the automatic transaction apparatus 100 accepts the card by the card / detail slip processing apparatus 103 or accepts the passbook by the passbook processing apparatus 104 ( S21).

  Next, the entrance / exit shutter of the banknote processing apparatus 101 and the coin processing apparatus 102 is opened, and it waits for the deposit money to be inserted by the customer (S22).

  When the deposited money is inserted, the entrance / exit shutter is closed, the deposited money is discriminated and counted (S23). The discrimination and counting of deposited money refers to the deposit counting process of banknotes described above with reference to FIG. 3 with respect to deposited banknotes, and the same deposit counting process is also performed with respect to deposited coins.

  When the deposit counting process is completed, a state change determination process is then performed (S24). In this state change determination process, the determination is performed for an item whose determination timing is the state change determination process among the determination items shown in FIG. That is, whether or not the withdrawal type that has been suspended due to the deposited money can be withdrawn, whether or not the transaction item handling start and handling suspension time has been reached, the device handling start and handling suspension It is determined whether or not the time has been reached, whether or not the time at which the transaction fee has changed has been reached, and whether or not the attendant is starting to replenish cash or the like.

  In the present embodiment, the remaining amount in the deposit / withdrawal cassette for determining suspension of handling of the withdrawal type and the remaining amount in the deposit / withdrawal cassette for determining the start of handling of the withdrawal type are set to different values. The remaining amount in the deposit / withdrawal cassette that determines whether or not to discontinue handling of the withdrawal type is set to the limit amount that can be withdrawn, while the remaining amount in the deposit / withdrawal cassette that determines whether to start handling the withdrawal type Is set to a value that has more margin than the limit amount that can be withdrawn.

  By doing so, even if the denomination can be handled once, it is possible to avoid a situation where the handling customer is suspended as soon as the next customer makes a transaction and the waiting customer is confused. In addition, although the amount of media in the deposit / withdrawal cassette after the transaction is calculated from the deposited money and it is determined that the handling can be started, the deposit / withdrawal is not possible due to reasons such as being unable to differentiate when storing the deposit money in the deposit / withdrawal cassette. When it cannot be stored in the gold cassette, it is possible to avoid the result that the handling cannot be finally started. Therefore, it is possible to avoid the customer from being confused because the guidance to the customer has to be changed, and it is possible to provide a reliable guidance to the waiting customer when the deposit process is completed.

  Next, it is checked whether or not it is determined that there is a state change by the state change determination process (S25). If it is determined that there is a state change (S25: Y), a guidance on the state change is displayed on the guidance display unit 107. (S26).

  For example, if a customer currently in use has deposited money, he / she will give a notice that the withdrawal type that has been suspended until now can be withdrawn, while the current customer is in use and awaits subsequent use. Customers who are trying to withdraw denominations that have been suspended until now by guiding the customer can withdraw the denominations of the automatic transaction device once the current customer has finished using the automatic transaction device. Since it can be recognized in advance, convenience is improved.

  In S25, if it is not determined that there is a state change (S25: N), the process proceeds to the next step (S27) without doing anything.

  Next, the automatic transaction apparatus 100 sends / receives a payment message to / from the host computer 200, that is, inquires of the host computer 200 whether the payment transaction is possible (S27). When the host computer 200 notifies that the deposit transaction is not successful, that is, the deposit transaction is not possible (S28: N), all the media inserted by the customer are returned to the customer (S29), and the deposit transaction ends.

  If the host computer 200 notifies the deposit transaction (S28: Y), the deposited money is stored (S30), and the passbook processing device 104 stores the passbook in the card / detail slip processing device 103. The transaction statement slip is printed (S31), the card, the passbook, and the transaction statement slip are released to the customer (S32), and the deposit process is completed.

  Next, with reference to FIG. 6, the deposit money storage process and the apparatus state change redetermination process during the storage process will be described. FIG. 6 is a flowchart showing details of the deposit money storage process (FIG. 5: S30).

  First, the deposit money received by the temporary holding unit 3 in the deposit counting process is fed out one by one from the temporary holding unit 3 (S41), the currency is discriminated by the discrimination unit 2 (S42), and the money is stored according to the discrimination result. The destination is determined (S43).

  Once the storage location for the money is determined, the device status change redetermination process is performed (S44). In the redetermination process here, among the determination items shown in FIG. 9B, an item whose determination timing is the redetermination process is determined. That is, whether or not it is not possible to handle banknotes or coins due to the reject cassette becoming full during the deposit processing, whether or not it has been time to start handling and stop handling transactions, A determination is made as to whether or not the start and handling suspension times have been reached, whether or not the transaction fee has changed, and whether or not the clerk is starting to replenish cash or the like.

  Next, it is checked whether or not it is determined that there is a state change by re-determination processing (S45). If it is determined that there is a state change (S45: Y), a guidance for state change is displayed on the guidance display unit 107 ( S46). For example, when the reject cassette is full (reject cassette full) in the deposit coin storage process, the coin handling is completed when the customer currently in use ends the transaction as shown in FIG. To the next waiting customer while the current customer is using. By displaying such guidance in advance, it is possible for subsequent waiting customers who were trying to make a transaction using coins to recognize that the automatic transaction apparatus can no longer be used, thereby improving convenience. .

  If it is not determined in S45 that the state has changed (S45: N), the process proceeds to the next step (S47) without doing anything.

  If it is discriminated that the money is normal based on the result of discrimination of the money (S47: Y), it is checked whether or not it can be stored in the deposit / withdrawal cassette of the denomination (S48). : N) Store in the deposit / withdrawal cassette of the denomination (S49).

  When the money is not normal (S47: N) and when the deposit / withdrawal cassette of the denomination is full (the deposit / withdrawal cassette is full) (S48: Y), the money is stored in the reject cassette (S50).

  It is determined whether or not all of the money has been stored. If the storage has not been completed, the process returns to S41 and the storage process is continued. The process proceeds to step (S31).

  Next, the operation of the withdrawal transaction will be described with reference to FIGS. FIG. 7 is a flowchart showing details of the withdrawal transaction (FIG. 4: S11).

  When the customer selects the withdrawal transaction from the customer operation unit 105, the withdrawal transaction process is started, and the automatic transaction apparatus 100 accepts the card with the card / detail slip processing apparatus 103 or accepts the passbook with the passbook processing apparatus 104. (S61).

  Next, a password input screen is displayed on the customer operation unit 105, and a password input from the customer is accepted (S62). Subsequently, a withdrawal amount input screen is displayed on the customer operation unit 105, and the withdrawal amount input from the customer is accepted (S63).

  Next, a withdrawal message is transmitted to and received from the host computer 200, that is, the host computer 200 is inquired of whether or not the withdrawal transaction can be executed (S64). The content of the response from the host computer 200 is checked (S65), and when the withdrawal transaction is not established, that is, when the withdrawal failure is notified (S65: N), all media are returned to the customer (S66). Exit.

  When the withdrawal transaction is established, that is, when the withdrawal possibility is notified (S65: Y), the apparatus state change determination process is executed (S67).

  In this state change determination process, the determination is performed for items whose determination timing is the state change determination process among the determination items shown in FIG. That is, whether or not the withdrawal type is suspended due to the money withdrawal transaction, whether the transaction item handling start and handling suspension time has been reached, the equipment handling start and handling suspension time has been reached. It is determined whether or not the transaction fee has changed, whether or not the clerk is about to start replenishing cash or the like.

  In the state change determination process, if it is determined that there is a state change (S68: Y), a state change guidance is displayed on the guidance display unit 107 (S69). For example, as shown to Fig.11 (a), the stop of handling of withdrawal of a 1000 yen banknote is guided. In this way, when the current customer is using the withdrawal of the withdrawal of the denomination, the waiting customer who has been trying to withdraw the denomination is automatically Recognize that the desired denomination can no longer be withdrawn at the time of trying to use the card, so there is no confusion about returning to the queue and convenience is improved.

  In the state change determination process, if it is determined that there is no state change (S68: N), the process proceeds to the next step (S70) without doing anything.

  Subsequently, the withdrawal process of money requested by the customer is performed (S70), the passbook is printed by the bankbook processing device 104, and the transaction statement slip is printed by the card / detail processing device 103 (S71). The transaction statement slip is released to the customer (S72), the banknote and the coin requested by the customer are released to the customer (S73), and the withdrawal process is completed.

  Next, the money withdrawal process and the apparatus state change redetermination process during the withdrawal process will be described with reference to FIG. FIG. 8 is a flowchart showing details of the money withdrawal process (S70).

  When the money withdrawal process is started, first, money is fed out from the deposit / withdrawal cassette one by one (S81), and the currency is identified and counted (S82). A transport destination is determined according to the discrimination result (S83).

  Subsequently, a re-determination process of the state change of the apparatus is performed according to the determined transport destination (S84). In the redetermination process here, among the determination items shown in FIG. 9C, the determination is performed for an item whose determination timing is the redetermination process. That is, whether or not the withdrawal type will be suspended due to money withdrawal transactions, whether or not banknotes or coins will be suspended due to a full rejection cassette, transaction items will be handled and suspended The staff is about to start replenishing cash, etc., whether it has reached the time to start and stop handling the device, whether it has reached the time at which the transaction fee changes. Whether or not each is determined.

  In the redetermination process, when it is determined that there is a state change (S85: Y), the contents of the state change are displayed on the guidance display unit 107 (S86), and when it is determined that there is no state change (S85: N). It proceeds to the next step (S87) without doing anything.

  If it is determined that the money is normal (S87: Y) by the discrimination result, the money is transported to the entrance (S88). If the money is not determined (S87: N), the money is Store in the reject cassette (S89).

  Subsequently, it is determined whether or not the withdrawal of all the money requested by the customer is completed, and if the withdrawal of all the money requested by the customer is not completed (S90: N), the process returns to S81 to return the insufficient money. If the withdrawal is completed (S90: Y), the money withdrawal process is terminated.

  As described above, when money is withdrawn from the deposit / withdrawal cassette, the money is stored in the reject cassette for reasons such as being indistinguishable. By combining state change judgment processing and redetermination processing performed while monitoring the operation of money withdrawal processing, it is possible to properly inform customers waiting for use in advance at the earliest possible timing of withdrawal of withdrawal types It becomes.

  Next, the state change determination process and the redetermination process will be described with reference to FIG. FIG. 9 is a diagram illustrating determination items, determination timings, and determination methods in the state change determination process and the re-determination process.

  FIG. 9A shows a determination process at the start of handling.

  When starting the handling of the device, the clerk presses the handling start key from the clerk operation unit 106, and the state change determination process is executed (FIG. 4: S4). If the banknote or coin reject cassette is full (reject cassette full) and the banknote or coin is not in service, the clerk removes the coin from the reject cassette and releases the reject cassette. Since it is necessary to make it possible to handle, the determination is made when the clerk presses the handling start key. In addition, if it is set as the structure which can extract a rejection cassette with operating an automatic transaction apparatus, it is good also as determining when a rejection cassette is mounted | worn.

  FIG. 9B is a diagram showing a determination process at the time of deposit transaction.

  The decision to start handling a withdrawal type is whether or not a denomination that can no longer be withdrawn because the deposit / withdrawal cassette is empty can start handling withdrawals with the money deposited by the current customer. This is a process for performing the determination. Further, this determination is performed only by the state change determination process, and is not performed by the re-determination process. The reason for this will be described when explaining the determination of suspension of handling of the denomination type, which will be described later. Here, the “remaining amount in the deposit / withdrawal cassette of the corresponding denomination at the end of the transaction” described in the determination method is counted at the time when the depositing process of the cash inserted by the customer is completed in the deposit transaction. This is the total of the number of the corresponding denominations and the number already stored in the deposit / withdrawal cassette of the corresponding denomination. All the corresponding denominations are stored in the deposit / withdrawal cassette.

  Determination of suspension of handling of bills or coins is processing for determining whether or not the reject cassette used in both the deposit transaction and the withdrawal transaction is full (reject cassette full). At the time of the state change determination process, the reject cassette is not changed from that at the start of the transaction, so the determination is performed only in the re-determination process. Here, the rejection cassette full determination means that the number of coins determined to be stored in the reject cassette as a result of discrimination in the deposit money storage process is added to the current number in the reject cassette, and at the end of the transaction. Determine if the reject cassette is full.

  Transaction item handling suspension, transaction item handling commencement, device handling suspension, device handling commencement, fee change determination is usually based on weekdays or holidays, and the time zone when operating automatic transaction devices, Since it is predetermined that the apparatus starts or stops handling, the transaction item starts or stops, and the fee changes, it is determined whether or not the predetermined time has been reached.

  In addition, in the method for determining suspension of handling of equipment, “when the attendant selects clerk processing such as replenishment” means that some transaction items and denominations of automatic transaction equipment are suspended due to media cuts or overflows. In this case, it is determined that the clerk has selected the clerk process in the clerk operation unit 106 in order to eliminate the cut or overflow, and in this case, as shown in FIG. The guidance is displayed on the guidance display unit 107, and guidance is provided to customers waiting for use.

  The transaction items are suspended, transaction items are started, device handling is suspended, device handling is started, and fee changes are determined at any time or regularly during customer transactions. Also good.

FIG. 9C is a diagram showing a determination process during a withdrawal transaction.
Withdrawal of the withdrawal of the denomination type means that the current customer withdraws money, the remaining amount of the deposit / withdrawal cassette is reduced, and the denomination becomes impossible when the customer ends the transaction. It is a judgment whether there is no. Here, the “remaining amount in the deposit / withdrawal cassette of the corresponding denomination at the end of the transaction” is the number obtained by subtracting the planned withdrawal amount from the remaining amount in the current deposit / withdrawal cassette for each denomination, In the re-determination process, the number of sheets determined to be stored in the reject cassette based on the discrimination result is also subtracted.

  Note that, with regard to the determination of whether or not to start the handling of the withdrawal type in the judgment process at the time of the deposit transaction in FIG. Here, it is assumed that the maximum number of withdrawals per transaction of a thousand yen bill is 10.

  In this case, when the remaining amount of the thousand yen bill is less than 20, the withdrawal of the thousand yen bill is stopped, and when it is 50 or more, the withdrawal of the thousand yen bill is started. Here, the thousand yen banknotes that can be withdrawn up to 10 in one transaction are suspended due to the remaining amount of less than 20 when they are stored in the reject cassette without being able to be distinguished at the time of withdrawal. This is because more than 10 banknotes are paid out from a deposit / withdrawal cassette for 1000 yen banknotes in one transaction, so that it is avoided that the banknotes are lost during the withdrawal and the apparatus becomes an obstacle.

  Here, assuming that the handling start determination is 20 sheets or more, the remaining amount of thousand yen bills increases or decreases depending on the deposit transaction and withdrawal transaction performed by the customer, so the remaining amount is less than 20 sheets or 20 sheets. As described above, switching between handling suspension and handling start of 1000 yen bills frequently switches between handling suspension and handling start of 1000 yen bills, and customers may be confused.

  Furthermore, when the remaining amount of 1000-yen banknotes is 15 and withdrawal is suspended, and the customer deposits 5 thousand-yen banknotes, the state change determination process at the end of the deposit counting process When the remaining amount reaches 20 sheets, it is determined that handling of withdrawal of 1,000 yen banknotes will start. However, if one sheet cannot be identified during the storage process of deposited banknotes, the remaining amount at the end of the transaction will be 19 sheets, It becomes impossible to start handling withdrawal of yen bills.

  In such a case, when it is determined in the state change determination process that the handling of the withdrawal of the thousand yen banknote is started, if guidance is displayed on the guidance display unit 107, the guidance is determined to determine that the handling cannot be started in the redetermination process. The guidance on the display unit 107 will change during the transaction, and the customer will not be able to provide accurate guidance and will be confused by the customer.

  In this embodiment, the withdrawal of a thousand yen bill is stopped when the remaining amount is less than 20, and the handling starts when the remaining amount is 50 or more. Only to. For example, when five thousand yen bills are deposited with the remaining amount of 45 thousand yen bills, it is determined that handling of withdrawal of thousand yen bills is started in the state change determination process, and 1 when stored. This is to avoid a situation where it is not determined that handling of withdrawal of a thousand yen bill is started in the re-determination process by being stored in the sheet reject cassette. Since the remaining amount to start handling is set to a value larger than the remaining amount to stop handling, there is no problem even if it is judged only by the state change judgment processing, and reliable guidance is promptly used for customers waiting to use Guidance is possible.

  As described above, it is possible to avoid the customer's confusion and provide reliable guidance at an early timing. In addition, you may determine the handling start or handling suspension of a payment | withdrawal money type by another condition.

  Next, determination of suspension of handling of banknotes or coins is processing for determining whether or not the reject cassette used in both the deposit transaction and the withdrawal transaction is full (reject cassette full). At the time of the state change determination process, the reject cassette is not changed from that at the start of the transaction, so the determination is performed only in the re-determination process. Here, the rejection cassette full judgment is the result of discrimination in the money withdrawal process of the withdrawal transaction. Determine whether the reject cassette is full at the end of the transaction.

  The transaction item handling suspension, transaction subject handling start, device handling suspension, device handling start, and fee change judgment items are the same as in the description of the judgment processing at the time of deposit transaction shown in FIG. 9B. .

  Next, guidance displayed on the guidance display unit 107 will be described with reference to FIGS. 10 and 11.

  FIG. 10 shows an example of guidance at the automatic transaction apparatus corner. In this example, the automatic transaction apparatus (1) is operating with the coins suspended. The automatic transaction apparatus (2) provides guidance to customers waiting for use when a customer currently in use terminates a transaction and the withdrawal of a thousand yen bill is suspended. The automatic transaction apparatus (3) is in operation with the bookkeeping and transfer being suspended.

  FIG. 11 shows an example of a prior guidance for notifying a customer waiting for use in advance to the guidance display unit 107 that the state of the device will change at the end of the transaction of the customer while the customer is using the automatic transaction device. FIG.

  FIG. 11 (a) shows a suspension of handling of withdrawal of a thousand yen bill, FIG. 11 (b) shows a handling start of withdrawal of a thousand yen bill, FIG. 11 (c) shows a suspension of handling of a coin, and FIG. ) Shows the suspension of transfer transaction, FIG. 11 (e) shows the suspension of handling of the device, FIG. 11 (f) shows the suspension of handling of the device due to replenishment of cash, and FIG. It is an example of a display to guide. In addition to these display examples, advance guidance may be displayed.

  In the present embodiment, the second display unit is provided in the automatic transaction apparatus. However, as a separate apparatus from the automatic transaction apparatus, the state of the automatic transaction apparatus may be notified by communication or the like. Moreover, although the said 2nd display part was set as the structure alert | reported to a customer only by a display, it is good also as a structure which alert | reports also including an audio | voice.

  Further, in this embodiment, when the deposit / withdrawal cassette is full, the money of the denomination is stored in the reject cassette in the deposit / money storage process. The start is not required to be determined.

  However, when the deposit / withdrawal cassette becomes full, the denomination of the denomination is suspended, and the handling of the denomination and the handling of the denomination of the denomination are started in the state change determination process and the re-determination process. It may be determined.

  By doing so, since the money entering the reject cassette can be reduced, it is possible to reduce the possibility that the handling of the banknote or coin will be suspended even when the reject cassette is full. .

  In addition, in the deposit money storage process and the money withdrawal process, it is a flow to pay out and identify one by one and transport it to the determined destination. In practice, however, it is separated one by one in order to process the money at high speed. However, it is common to continuously feed out, identify, and carry out a plurality of coins in parallel processing, and there is no problem even if the processing is performed in parallel in this way.

DESCRIPTION OF SYMBOLS 1 ... Deposit / withdrawal port 2 ... Discrimination part 3 ... Temporary reservation part 4, 5, 6 ... Deposit / withdrawal cassette 7 ... Reject cassette 8 ... Replenishment collection cassette 9 ... Separator 10 ... Replenishment collection part 11 ... Replenishment rejection part 100 ... Automatic transaction apparatus DESCRIPTION OF SYMBOLS 101 ... Banknote processing apparatus 102 ... Coin processing apparatus 103 ... Card and statement processing apparatus 104 ... Passbook processing apparatus 105 ... Customer operation part 106 ... Personnel operation part 107 ... Guidance display part 110 ... Main body control part 200 ... Host computer

Claims (6)

An automatic transaction device that executes transactions based on customer operations,
A first display unit for displaying information related to a transaction operation for the customer; a second display unit disposed on the customer waiting side of the automatic transaction apparatus ;
A state change determination means for determining a state change of the device after completion of at least a predetermined process in the device during execution of the transaction;
Based on the transaction content after determining the state change, state change re-determination means for determining the state change again;
A notice notifying means for notifying the second display section of the state change of the device determined by either the state change determining means or the state change redetermining means when the transaction continues. An automatic transaction apparatus characterized by comprising. The automatic transaction apparatus according to claim 1,
The state change is at least
Changes in the start or stop of handling of the device itself,
In customer transactions handled by the device, changes in the start or stop of handling of transaction items that can be traded,
In customer transactions handled by the equipment, changes in the start or stop of handling of available media types,
Changes in fees for before Symbol customer transactions,
An automatic transaction apparatus comprising any of the above. An automatic transaction apparatus according to claim 1 and claim 2,
The state change determination means is based on the amount of money inserted by the customer in the deposit transaction.
An automatic transaction apparatus characterized by determining the state change. An automatic transaction apparatus according to claim 1 and claim 2,
The said state change determination means determines the said state change based on the money amount of the withdrawal money which the customer requested | required in the withdrawal transaction, or the number of sheets for every withdrawal money, The automatic transaction apparatus characterized by the above-mentioned. The automatic transaction apparatus according to claim 1, wherein:
The state change determination means includes
When the medium amount for each medium is larger than the predetermined first medium amount set for each medium, the handling start of the corresponding medium is determined,
An automatic transaction apparatus, characterized in that when a medium amount for each medium is smaller than a predetermined second medium amount set for each medium, the suspension of handling of the corresponding medium is determined. An automatic transaction apparatus according to claim 1 and claim 2,
The state change determination means determines the state change of the device after the transaction ends by determining whether or not a predetermined time has been reached when determining the state change. Trading device.

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