JP5550871B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine (hereinafter referred to as “ATM”), and more particularly, to an automatic transaction apparatus for multi-country currency having a foreign currency handling function.

  Conventionally, automatic transaction devices such as ATMs installed in financial institutions and convenience stores can only distinguish one country's currency, and only the currency of the country where the device is installed handles various types of cash such as deposits and withdrawals. Trading is going to be done.

  A technique related to such an automatic transaction apparatus that supports multi-country currency and can select a currency to be deposited by customer operation is described in, for example, the following documents.

Japanese Patent Laid-Open No. 11-144122

  However, in Japan, the number of foreign tourists and long-term visitors such as business and study abroad is increasing, but the multi-currency handling of automatic transaction equipment is not progressing, and it is inconvenient for foreigners who are staying in Japan. There are challenges. Furthermore, in the technique of Patent Document 1, since the user needs to select a currency, the user must be aware of the type of currency. In addition, if only one country's currency can be deposited in a single transaction, and multiple countries' currencies are mixed, it is necessary to divide each currency and make the transaction complicated. There was a problem.

The present invention provides an automatic transaction apparatus capable of performing transactions in currencies of a plurality of countries, a display unit for displaying a screen for guiding a customer's transaction operation, and a discrimination unit for identifying a currency input to a currency input / output port. And when the currency is inserted into the currency input / output port, the discrimination means discriminates the first currency among the input currencies, and the result of the discrimination by the discrimination means is the first A currency other than the selected currency is returned to the currency input / exit port, and the display unit prompts the user to input the returned currency. The discrimination unit displays the currency input guide screen. As a trigger, after the second currency that cannot be differentiated can be identified, the second currency of the entered currencies is differentiated .

The automatic transaction apparatus according to the present invention has the following effects (1) and (2).

(1) without having a plurality of bill discrimination information into an automatic teller machine, for example, by having the differential information of the plurality of second currency to the information processing apparatus or the like, the first currency and the second currency mixed Currency transactions can be made.

(2) A user who is a customer can make a deposit transaction without selecting the first currency or the second currency to be traded, so that it is possible to conduct a transaction without being aware of the type of currency, and a complicated operation is not required. May be.

FIG. 1 is a configuration diagram showing an outline of an automatic transaction system in Embodiment 1 of the present invention. FIG. 2 is an explanatory diagram showing a configuration example of an account file in the host computer in FIG. FIG. 3 is a functional block diagram of the ATM in FIG. FIG. 4 is a flowchart showing a deposit transaction in the ATM of FIG. FIG. 5 is a diagram showing an example of a deposit amount confirmation screen in the deposit transaction shown in FIG. FIG. 6 is a diagram showing an example of a statement slip printing in the deposit transaction shown in FIG. FIG. 7 is a functional block diagram of an ATM according to the second embodiment of the present invention. FIG. 8 is a flowchart showing a deposit transaction in the ATM of FIG. FIG. 9 is a functional block diagram of an ATM according to the third embodiment of the present invention. FIG. 10 is a flowchart showing a deposit transaction in the ATM of FIG.

  Modes for carrying out the present invention will become apparent from the following description of the preferred embodiments when read in light of the accompanying drawings. However, the drawings are only for explanation and do not limit the scope of the present invention.

(Configuration of automatic transaction system of Example 1)
FIG. 1 is a configuration diagram showing an outline of an automatic transaction system in Embodiment 1 of the present invention, and FIG. 2 is an explanatory diagram showing a configuration example of an account file in the host computer in FIG.

  For example, a plurality of ATMs 10 (= 10-1 to 10-N) are installed at financial institution stores and convenience stores, and deposit, withdrawal, transfer, balance inquiry, etc. are performed by user operations. Various transactions are possible. The ATM 10 is connected to a host computer 1 that is an external information processing apparatus via a communication line 2. The host computer 1 is usually installed at the center of a financial institution, and has a customer information file and an account file 21 in its auxiliary storage device 20.

In user ATM 10, for example, performs transactions involving withdrawal of cash, in the host computer 1, and updates the information of the account file 21. As shown in FIG. 2, the account file 21 is configured to store transaction data in which a personal identification number, a customer's name, a current balance, and a transaction history are recorded corresponding to the account number.

  In the first embodiment, the auxiliary storage device 20 of the host computer 1 further includes discrimination information (eg, a discrimination program) 22 for discriminating a second currency (eg, foreign banknote). Here, the currency means a cash currency issued by an issuer such as a central bank, and the cash currency includes banknotes and coins. In the first embodiment, a bill will be described as an example of currency.

FIG. 3 is a functional block diagram of the ATM in FIG.
The ATM 10 includes a control unit 31 and a storage unit 32. The control unit 31 controls the entire ATM 10 by program control. The control unit 31 has a discrimination unit 31a that discriminates the authenticity of banknotes traded at the ATM 10 with respect to a first currency (for example, yen banknotes) issued by a first currency issuing entity (for example, the Bank of Japan). The feature information of the banknotes identified as false by means 31a is extracted, the feature information is compared with the feature information of the foreign currency held in the first storage means in the storage unit 32, and the second Identification means 31b for identifying a foreign currency issued by a foreign currency issuer (for example, a foreign central bank), and request means 31c for requesting the host computer 1 for a differentiation program 22 for identifying the authenticity of foreign currency have.

The input operation unit 11 controlled by the control unit 31 is provided on a display unit of a liquid crystal (LCD) screen (not shown) which is a display means for displaying an operation screen composed of characters, figures, and the like, and on this display unit It is composed of a touch panel input unit for inputting information. On the front surface of the ATM 10, a banknote insertion / extraction port 12 is provided as a currency insertion / extraction port, which is a customer service port, for a user to insert a banknote during a transaction operation and to take out the banknote released by the ATM 10. Yes.

  The bill insertion / extraction port 12 is provided with a shutter 13 from the viewpoint of preventing crimes and foreign matters from entering the bill insertion / extraction port, and is configured to open and close at a necessary timing. For example, in the deposit transaction, when the user selects the transaction, the shutter 13 is opened to prompt the insertion of banknotes. When the user inserts a bill, the shutter 13 is closed, and the ATM 10 counts the bill and prompts the user to confirm the deposit amount.

  The card reader printer unit 34 prints a function for reading / writing the contents of a cash card (hereinafter referred to as “card”) inserted in a card handling slot (not shown) and discharging it to the card handling slot, and a statement slip. It has a function of discharging to the handling port. In the deposit process, the banknote deposit / withdrawal unit 35 takes in the banknotes set in the banknote insertion / extraction port 12, discriminates the authenticity of the banknotes, counts them, and stores them in a storage (not shown) in the ATM 10. Has a function of taking out the banknote from the storage, discriminating the authenticity of the banknote, counting it, and discharging it to the banknote insertion / extraction port 12. The surveillance camera unit 36 controls a camera (not shown) to take a picture of a user who is trading, and stores the image.

  The temporary storage unit 37 is a mechanism for temporarily storing rejected banknotes, and the rejected banknotes are returned to the banknote insertion / extraction port 12 via the conveyance path 38 for the user to confirm. Normally, in the deposit transaction, although not shown, there is another holding unit that discriminates the authenticity of the banknotes by the banknote depositing / withdrawing unit 35 and temporarily holds the counted banknotes. The banknotes held in another temporary storage unit are stored in a storage (not shown) in the ATM 10 after displaying the deposit amount counted by the banknote depositing / withdrawing unit 35 on the input operation unit 11 and waiting for a confirmation operation by the user. The The communication unit 33 has a function of controlling communication with the host computer 1 and the monitoring center.

  Although not shown, the ATM 10 further includes a proximity sensor controlled by the control unit 31, a passbook entry unit, a coin deposit / withdrawal unit, a voice output unit, and the like. The proximity sensor is a sensor that detects the approach of a person to the ATM 10. The passbook entry section performs a passbook entry process. The coin deposit / withdrawal unit discriminates and counts the authenticity of coins and performs deposit / withdrawal processing.

(Operation of Example 1)
Figure 4 is a flowchart showing a deposit transaction in the ATM in FIG. 3, FIG. 5 shows a deposit amount confirmation screen example in payment transactions shown in Figure 4,及Beauty, 6, deposit transaction shown in Figure 4 FIG.

  In the first embodiment, in the deposit transaction, the banknote discrimination is performed by the discrimination means 31a regarding the yen banknote. As a result, the type of the banknote is specified by the identification specifying means 31b using the characteristic information of the banknote that has been rejected, that is, the rejected banknote, and the host computer 1 is requested to transfer the corresponding identification program 22. The discrimination program 22 is received from the host computer 1 and the foreign banknotes issued by the foreign central bank are discriminated by the ATM 10.

  In the first embodiment, it is assumed that the ATM 10 has a circle discrimination program 22 and cannot discriminate other than the circle in the initial state. In addition to the procedure part (program) for bill discrimination, the discrimination program 22 also has data necessary for discrimination.

The ATM 10 is turned on and processing is started. When the user inserts the card into the slot at step S1, the ATM 10 reads the account number recorded on the magnetic stripe or the like of the card and displays a transaction selection screen at step S2 . In step S3, a payment transaction is selected by the user, and in step S4, a user identifier (ID) input screen (for example, a password input screen) is displayed. In step S5, an ID number (for example, a personal identification number) is input by the user and transmitted to the host computer 1 as an inquiry message together with the account number read from the card.

  Here, in steps S1 to S3, it has been described that the deposit transaction is selected after reading the card. First, the transaction selection screen is displayed, and after selecting the deposit transaction, the card is inserted, and the card is inserted. You may make it read. In addition, the identity verification process based on the ID numbers in steps S4 to S6 is a process for enhancing security, and for example, is intended to prevent and check forgery bill input of foreign banknotes.

In step S <b> 6, an inquiry telegram response is received from the host computer 1. In step S7, when the identity verification in the host computer 1 is established, in step S8, a bill insertion guidance screen which is a currency insertion guidance screen is displayed, and the user inserts the bill into the bill insertion outlet 12. Prompt. When the cancel button is pressed in step S7 , an end process such as returning the display screen of the input operation unit 11 to the transaction selection screen is performed in step S23, and the deposit process is ended.

In step S <b> 9, the user inserts a bill into the bill insertion / extraction port 12. In step S10, it is determined whether the inserted banknote is the first inserted, or whether the banknote has been rejected by counting the banknotes once. When it is the first bill insertion (No), the process proceeds to step 14, and bills are counted by the discriminating means 31a using the discriminating program 22 for yen bills. In step S15, when there is no banknote rejected as a fake note (No), it progresses to step S18.

In step S15, when there is a rejected banknote (Yes), the rejected banknote is temporarily held in the temporary storage unit 37 and returned to the banknote insertion / extraction port 12 via the transport path 38. In step S16, a returned banknote receiving screen is displayed to allow the user to receive banknotes. Returning to step S8, a bill insertion guidance screen is displayed to prompt the user to re-insert. In step S9, the user reinserts the banknote. In step 10, it is determined whether or not the bill is re-inserted. In this case, since it is re-injection, it progresses to step S11. In step S11, in order to perform re-counting with the discrimination program 22 that matches the re-inserted banknote, the discrimination specifying means 31b performs simple discrimination of the banknote size, characteristics, etc. from the information of the banknote acquired at the time of rejection, and is closest. Identify the banknote that you think. In step S12, the host computer 1 is requested for a discrimination program 22 corresponding to the specified banknote.

  In step S <b> 13, the ATM 10 receives the discrimination program 22 from the host computer 1. In step S14, counting is performed using the discrimination program 22 received from the host computer 1. In step S15, the presence or absence of a reject banknote is determined. When there is a reject banknote, a return banknote receiving screen display process in step S16, a reject banknote receiving process in step S17, and a banknote insertion guidance screen display process in step S8 are executed.

The user is prompted to insert a banknote on the banknote insertion guidance screen, but since it is the second rejection process, normally, a banknote that has been normally input by operating a button displayed on a banknote insertion guidance screen (not shown). Only process the deposit.

  In step S15, when there is no reject banknote (No), the process proceeds to step S18.

  In step S18, the deposit amount confirmation screen shown in FIG. 5 is displayed to prompt the user to confirm. In the example of FIG. 5, since the user's input amount is 100 dollars and 50,000 yen and the exchange rate is 100 yen / dollar, it is displayed that the total deposit amount is 60,000 yen. The exchange rate TTB (Telegraphic Transfer Buying) is a rate at which a bank purchases foreign currency from a customer.

  In step S19, when the user can confirm the display contents, the user presses the confirmation button 11a. In step S20, the ATM 10 notifies the count result to the host computer 1, and the host computer 1 converts the deposit amount into the currency used in the account, updates the corresponding data in the account file 21, and establishes a transaction with the ATM 10. To be notified.

  In step S21, the card reader printer unit 34 of the ATM 10 prints the transaction contents such as the bank number, the store number, the transaction amount, etc. on the statement slip as shown in FIG. 6, and discharges the card and the statement slip.

(Effect of Example 1)
According to the first embodiment, there are the following effects (1) to (5).

  (1) Even if the ATM 10 does not have a plurality of banknote discrimination programs 22, the host computer 1 has a plurality of banknote discrimination programs 22, so that it is possible to perform a deposit transaction in which yen banknotes and foreign banknotes are mixed.

  (2) Since the user can perform the deposit transaction without selecting the banknote to be traded, the user can trade without being aware of the yen banknote or the foreign banknote, and does not need to perform complicated operations.

  (3) Different types of foreign banknotes can be identified without being limited by the memory capacity of the ATM 10.

  (4) The bill discrimination program 22 can be changed without modifying the ATM 10.

  (5) By implementing the service of the first embodiment, it is possible to differentiate from other financial institutions, and it is expected that the fee income will increase as the number of foreign users increases.

(Configuration of Example 2)
FIG. 7 is a functional block diagram of the ATM 10A according to the second embodiment of the present invention. Elements common to those in FIG. 3 showing the first embodiment are denoted by common reference numerals.

The ATM 10A according to the second embodiment has substantially the same configuration as that of the ATM 10 according to the first embodiment, but a plurality of discrimination programs 22 for discriminating the authenticity of foreign bills are stored in the second storage means of the storage unit 32. The determination means 31d which determines whether the discrimination program 22 for discriminating the authenticity of a specific foreign banknote is further hold | maintained in the memory | storage part 32 is further memorize | stored. Is different.

(Operation of Example 2)
In the second embodiment, the foreign currency banknote discrimination program 22 is held in the ATM 10A, but when there is no discrimination program 22 corresponding to the rejected foreign banknote, the discrimination program 22 is transferred from the host computer 1 to the ATM 10A. .

  The ATM 10A has a plurality of discrimination programs 22, but the execution thereof is a contradiction control, and it is assumed that a plurality of banknotes cannot be discriminated with one count. For example, a yen discrimination program 22 and a dollar discrimination program 22 are provided, but only one of the yen discrimination program 22 or the dollar discrimination program 22 can be discriminated with one count. The number of identification programs 22 possessed by the ATM 10A is limited by the memory capacity.

  FIG. 8 is a flowchart showing a deposit transaction in the ATM of FIG. 7, and the same reference numerals are given to the elements common to the elements in FIG. 4 showing the first embodiment.

A processing example in the second embodiment will be described with reference to FIG.
Similar to the first embodiment, the card insertion process in step S1, the transaction selection screen display process in step S2, the deposit transaction selection process in step S3, the ID input screen display process in step S4, the ID number input process in step S5, and inquiry message transmission / reception Processing, transaction cancellation determination processing in step S7, banknote insertion guidance screen display processing in step S8, banknote insertion processing in step S9, reinjection determination processing in step S10, and rejected foreign banknote identification processing in step S11 are executed. The

  In step S31, it is determined by the determination unit 31d whether or not the discrimination program 22 for discriminating the authenticity of the specified foreign banknote is held in the storage unit 32. As a result of the determination in step S31, when the identified foreign banknote discrimination program 22 is held in the storage unit 32 (Yes), the discrimination program 22 is switched to the discrimination program 22 to be used, and the process proceeds to step S14. If not (No), the process proceeds to step S12. In step S12, the host computer 1 is requested for the bill discrimination program 22. In step S <b> 33, the ATM 10 </ b> A receives the discrimination program 22 from the host computer 1, erases the banknote discrimination program 22 with the lowest use frequency in the storage unit 32, and overwrites and holds it. At the same time, the received discrimination program 22 is switched to the discrimination program 22 to be used, and the process proceeds to step S14.

  Hereinafter, similarly to the first embodiment, the bill counting process in step S14, the reject banknote presence / absence determination process in step S15, the return banknote receipt screen display process in step S16, the reject banknote receipt process in step S17, and the deposit amount confirmation screen in step S18. A display process, a deposit amount confirmation process in step S19, a deposit amount transmission / reception process in step S20, a statement slip printing process in step S21, a card, a statement slip return process in step S22, and an end process in step S23 are executed.

(Effect of Example 2)
According to the second embodiment, in addition to the effects of the first embodiment, there are the following effects.

(1) Since the number of transfers of the identification program 22 from the host computer 1 can be reduced , transaction processing time is shortened.

  (2) When the discrimination program 22 is received from the host computer 1, it is possible to reduce the number of times the discrimination program 22 is transferred and to efficiently use the storage unit 32 of the ATM 10A by overwriting the less frequently used program. become.

(Configuration of Example 3)
Figure 9 is a functional block diagram of ATM10B in Embodiment 3 of the present invention, the same elements as those in FIG. 7 showing Embodiment 2 are denoted by the same reference numerals.

In ATM10B in this third embodiment has almost the same configuration as the ATM 10 A of Example 2, the control unit 31B, the temporary stock means 31e and escrowed banknotes temporarily holding the rejected bills, The difference is that a re-discrimination means 31f for discrimination using the discrimination program 22 is added.

(Operation of Example 3)
FIG. 10 is a flowchart showing a deposit transaction in the ATM of FIG. 9, and elements common to the elements in FIG.

In the third embodiment, banknotes rejected as counterfeit bills are not returned to the user, but are recounted as they are.

Similar to the second embodiment, the card insertion process in step S1, the transaction selection screen display process in step S2, the deposit transaction selection process in step S3, the ID input screen display process in step S4, the ID number input process in step S5, and inquiry message transmission / reception processing, transaction cancellation determination processing in step S7, a bill insertion guidance screen display process of step S8, and bill processing in the step S9 is executed, the process proceeds to step S41.

  In step S41, it is determined whether or not bills have already been counted in the deposit transaction. When banknotes are not counted (No), the process proceeds to step S14. When banknotes are already counted (Yes), the process proceeds to step S42.

  In step S42, in order to perform re-counting by the discrimination program 22 that matches the rejected banknote, simple determination of banknote size, characteristics, etc. is performed from the banknote information acquired at the time of rejection, and the banknote that seems to be closest is specified. To do. In step S43, it is determined whether or not the specified banknote has been counted. When the counting has been completed (Yes), the process proceeds to step S44, and since it is the second rejection, the return banknote receiving screen is displayed to prompt the user to receive the foreign banknote. In step S45, the rejected banknote is received by the user, and the process proceeds to step S18, where only the normally input banknote is deposited.

  When the determination result in step 43 is not already counted (No), the process proceeds to step S31. Similar to the second embodiment, the presence / absence determination processing of the discrimination program 22 in step S31, the discrimination program 22 switching processing in step S32, the request processing of the discrimination program 22 to the host computer 1 in step S12, the reception of the discrimination program 22 in step S33, and Overwriting process, banknote counting process in step S14, reject banknote presence / absence determination process in step S15, deposit amount confirmation screen display process in step S18, deposit amount confirmation process in step S19, deposit telegram transmission / reception process in step S20, specification slip in step S21 The printing process and the card / detail slip return process in step S22 are executed.

  In step S15, when a reject banknote is detected, the reject banknote may be stored in the temporary storage unit 37 by the temporary storage unit 31e, or may be temporarily inserted from the temporary storage unit 37 via the transport path 38. You may return to the exit 12. Thereafter, re-discrimination of steps S42, S43, S31, S12, S33, and S14 is executed by the re-discrimination means 31f. In the counting process of step S14, when counting rejected banknotes, the banknotes held in the temporary storage unit 37 may be recounted, or the banknotes returned to the banknote insertion / extraction port 12 are recounted. May be.

(Effect of Example 3)
According to the third embodiment, in addition to the effects of the first embodiment and the second embodiment, the banknote bundle in which the yen banknote and the foreign banknote are mixed without requiring the user's operation on the banknote rejected during the deposit process. Since the deposit can be made, the convenience for the user is enhanced.

(Modification)
The present invention is not limited to the above-described embodiments, and various usage forms and modifications are possible. For example, the following forms (a) to (c) are available as usage forms and modifications.

  (A) Although it demonstrated by the example of ATM10, 10A, 10B installed in the store of a financial institution, convenience store, etc., it is not limited to this. Any device that performs transactions by user operations and handles bills and coins can be widely applied. For example, a ticket vending machine installed at a station, an air ticket issuing machine installed at an airport, a self-checkout installed in a supermarket, various vending machines, a currency exchange machine, and the like can be considered.

  (B) Although it demonstrated in the example of the banknote, it is not limited to a banknote. Even if it is a coin, application of this invention is possible similarly.

  (C) Although described in the example of the deposit transaction, the present invention can be applied to other transactions such as a withdrawal transaction and a currency exchange transaction.

1 Host computer 2 Communication line 10 , 10A , 10B ATM
DESCRIPTION OF SYMBOLS 11 Input operation part 12 Banknote insertion / extraction port 13 Shutter 20 Auxiliary storage device 21 Account file 22 Differentiation program 31,31A, 31B Control part 31a Differentiation means 31b Differentiation identification means 31c Request means 31d Determination means 31e Temporary hold means 31f Re-discrimination means 32 Storage unit 33 Communication unit 34 Card reader printer unit 35 Bill deposit / withdrawal unit 36 Surveillance camera unit 37 Temporary holding unit 38 Transport path

Claims (7)

In automatic transaction equipment that can conduct transactions in currencies of multiple countries,
Display means for displaying a screen for guiding a customer's transaction operation;
And a discrimination means for discriminating the currency input to the currency input / output port,
When a currency is inserted into the currency input / output port, the discrimination means discriminates a first currency among the input currencies,
As a result of the discrimination by the discrimination means, a currency other than the first currency is returned to the currency input / output port,
Displaying a currency insertion guidance screen that prompts the display means to insert the returned currency;
The said discrimination means distinguishes the said 2nd currency of the input currency, after enabling the discrimination of the 2nd currency which can not be differentiated by the display of the said currency insertion induction | guidance | derivation screen as an opportunity Trading device. The display means displays a deposit amount confirmation screen having the amount of the first currency and the amount of the second currency after the discrimination means has identified the second currency. Item 2. An automatic transaction apparatus according to item 1. 3. As a result of the discrimination of the second currency, when there is a currency other than the second currency, the currency other than the second currency is returned to the currency input / output port. The automatic transaction apparatus described. The automatic transaction apparatus according to any one of claims 1 to 3, wherein a deposit process of the first currency and the second currency is performed as a result of the discrimination by the discrimination means. Of the first currency and the second currency, the currency that is not used in the customer's account is converted into the currency used in the customer's account, and then the total deposit amount is displayed on the display means. And
5. The automatic transaction apparatus according to claim 4, wherein deposit processing is performed on the customer account. The display means displays the input amounts of the first currency and the second currency identified by the identification means in respective currencies, and the total of the deposit amounts is converted into the currency used in the customer account. The automatic transaction apparatus according to claim 5, wherein the automatic transaction apparatus is displayed. When discriminating the first currency, the characteristic information of the currency other than the first currency is acquired, and the feature information of the currency other than the first currency and the currencies of a plurality of countries held in the storage means The identification information means for comparing the characteristic information and identifying the type of currency other than the first currency;
Discrimination information on the type of currency other than the first currency that the differential identification means has identified, and a request means for this discrimination information requests to the storage means is stored,
The automatic transaction apparatus according to any one of claims 1 to 6, wherein the discrimination means enables discrimination of the second currency based on the discrimination information requested by the request means.

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