JP6005564B2 - Automatic transaction apparatus, automatic transaction system, and automatic transaction method - Google Patents

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method, such as an automatic teller machine that is installed in a store such as a financial institution and automatically performs transactions with customers.

  Conventionally, when a customer forgets to pay the paid cash in an automatic transaction device such as an automated teller machine (ATM), the customer goes to a financial institution and confirms the history of the transaction. (Host, ATM transaction history) and other confirmations and procedures such as identity verification, restoration of ledger and receipt of cash.

Specifically, in the case of payment transaction of an automatic transaction apparatus, when the user forgets to take the cash after receiving the card and passbook, the following number is required to receive the cash.
First, the customer visits the counter during the counter business hours. Then, the customer's identity is confirmed by the staff of the financial institution. The employee then confirms the existence of the transaction based on the customer's declaration. That is, the history of the transaction journal of the corresponding automatic transaction apparatus is confirmed, the history of the corresponding transaction in the center ledger is confirmed, and the coincidence with the history of the automatic transaction apparatus is verified. As a result, it is confirmed whether the entire amount has been forgotten or partly forgotten, and the amount to be returned is determined. Then, an operation such as returning the center ledger or paying out cash to the customer is performed.

  However, cash receipt is limited to the counter business hours (usually from 9:00 to 15:00 on weekdays), so if the counter is closed outside business hours or on holidays, the procedure cannot be done until the next business day and immediate money will be collected. It was inconvenient for customers because they could not receive cash when needed. In addition, the procedure for returning cash, such as transaction confirmation at ATM and host transaction confirmation, is complicated for the counter staff, and a burden is imposed on the procedure.

Several techniques for preventing such forgetting to take cash have been disclosed (for example, see Patent Documents 1 and 2).
Moreover, the technique which returns the cash which it forgot to take is also disclosed (for example, refer patent document 3).

JP 2010-218092 A JP 2000-326331 A JP-A-8-335283

  As mentioned above, in cases where you forget to take cash (released cash) in a payment transaction, etc. Therefore, there is a problem in that it is not possible to completely automate the processing for re-transactions for paying out cash that has been forgotten in the automatic transaction apparatus.

  The present invention has been made in view of the above-mentioned actual situation, and in the case of forgetting to take cash (released cash) in a payment transaction, etc. It is an object of the present invention to provide an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method capable of completely automating processing for the purpose.

The present invention employs the following configuration in order to solve the above problems.
That is, according to one aspect of the present invention, an automatic transaction system of the present invention is an automatic transaction system including a host computer, an automatic transaction apparatus that can communicate with the host computer, and a window terminal that can communicate with the host computer. Te, the automatic transaction apparatus, cash release means for releasing the cash specified amount of a Subscriber to the dispensing unit, and the cash detection means for detecting that cash is present in the dispensing unit, the user First imaging means for capturing a user image by capturing the image, second imaging means for capturing a hand image of the user by extracting the cash from the withdrawal unit, and the cash release If the cash detecting means detects that all or part of the cash remains in the withdrawal unit after a predetermined time has elapsed since the cash was released by the means, the remaining money is removed. A balance taking-in means for taking in, a balance counting means for counting the balance taken in by the balance taking-in means, the user image taken by the first imaging means, and the hand image taken by the second imaging means And sending means for sending the balance information indicating the balance counted by the balance counting means to the host computer, receiving means for receiving the balance information from the host computer, and displaying the balance information received by the receiving means The balance information display means for displaying and a guidance display means for displaying a guidance display for guiding to a window terminal communicable with the host computer, wherein the window terminal transmits the user image transmitted from the host computer, the hand A display means for displaying an image and the balance information is provided.

  According to the present invention, by performing the forgetting process with the automatic transaction apparatus, it is possible to pay out the forgotten cash outside the counter business hours and on holidays, and receive the necessary cash on the spot. As a result, customer convenience is improved. In addition, there is an effect that labor-saving processing and efficiency of financial institution can be achieved.

It is a figure which shows the application environment of an automatic transaction system. It is a figure which shows the external appearance of an automatic transaction apparatus. It is a figure which shows the system structural example of an automatic transaction apparatus. It is a figure which shows the example of a display of the automatic transaction apparatus (the 1). It is a flowchart (the 1) which shows the flow of "forgetting occurrence processing." It is a flowchart (the 2) which shows the flow of "forgetting occurrence process." It is a figure which shows a message example (the 1). It is a figure which shows the example of a data structure of a "forgetting database". It is a figure which shows the example of a data structure of a "ledger database". It is a flowchart (the 1) which shows the flow of "after-forgetting processing". It is a flowchart (the 2) which shows the flow of the "after-forgetting process". It is a flowchart (the 3) which shows the flow of the "after-forgetting process". It is a flowchart (the 4) which shows the flow of the "after-forgetting process". It is a figure which shows the example of a message (the 2). It is a figure which shows the example of a message (the 3). It is a figure which shows the example of a display of the automatic transaction apparatus (the 2). It is a figure which shows the example of a display of the automatic transaction apparatus (the 3). It is a figure which shows the example of a display of the automatic transaction apparatus (the 4). It is a figure which shows the example of printing of a receipt. It is a figure which shows the example of a display of the automatic transaction apparatus (the 5). It is a figure which shows the example of a message (the 4). It is a figure which shows the message example (the 5). It is a flowchart which shows the flow of a "window guidance process." It is a figure which shows the example of a display of a window terminal.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing an application environment of an automatic transaction system to which the present invention is applied.
In FIG. 1, an automatic transaction system includes an automatic transaction apparatus 1 such as an automatic teller machine installed in a store of a financial institution such as a bank or a convenience store, and a host computer 2 managed by the financial institution. And a window terminal 3 operated by a window operator stationed at the window of the financial institution. The automatic transaction apparatus 1 and the window terminal 3 are communicably connected to the host computer 2 via the network 4. The network 4 is a dedicated communication network for the Internet, an intranet, or an automatic transaction system.

FIG. 2 is a diagram showing an appearance of an automatic transaction apparatus to which the present invention is applied.
In FIG. 2, the automatic transaction apparatus 1 includes a passbook insertion unit 10, a card insertion unit 11, a coin deposit / withdrawal unit 12, a banknote deposit / withdrawal unit 13, a display input unit 14, a customer camera 15, a first hand camera 16 and a second. The hand camera 17 is provided.

  The passbook insertion unit 10 accepts the passbook, and returns the passbook after performing certain processes such as reading data stored in a magnetic stripe unit attached to the side of the passbook, filling in the passbook, and the like. The card insertion unit 11 accepts the cash card, returns the cash card after performing certain processing such as reading data stored in the cash card. Moreover, the card insertion part 11 discharges the created transfer card when issuing the transfer card, accepts the transfer card when using the transfer card, and stores the data stored in the transfer card. Return the transfer card after certain processing such as reading.

  The coin deposit / withdrawal unit 12 receives and dispenses coins. The banknote deposit / withdrawal unit 13 accepts banknotes and pays out banknotes.

  The display input unit 14 displays a transaction content menu, transaction result guidance, etc., and accepts processing requests.

  The customer camera 15 is provided on the front upper part of the automatic transaction apparatus 1 and photographs a customer's face image. And the 1st hand camera 16 is provided in the inside of the coin depositing / withdrawing part 12, and image | photographs the motion of the customer's hand which takes out a coin by making the deposit or withdrawal port of the coin depositing / withdrawing part 12 into a visual field range. Moreover, the 2nd hand camera 17 is provided in the inside of the banknote depositing / withdrawing part 13, and image | photographs the movement of the customer's hand which takes out a banknote by making the deposit or withdrawal port of the banknote depositing / withdrawing part 13 into a visual field range.

FIG. 3 is a diagram illustrating a system configuration example of the automatic transaction apparatus.
In FIG. 3, the ATM control unit 20 is provided in the automatic transaction apparatus 1. The ATM control unit 20 includes a main control unit 21, a memory 22, a hard disk 23, a host communication control unit 24, a screen display unit 25, a key input unit 26, a camera unit 27, and an IO (Input Output) control unit 28. ing. And the ATM control part 20 controls the whole automatic transaction apparatus 1 by controlling the banknote processing unit 30, the coin processing unit 40, the bankbook processing unit 50, and the card processing unit 60 via the IO control part 28. To do.

  The memory 22 is a RAM (Random Access Memory) for executing a control program. For example, when the control program is started and executed in response to a key input signal from the key input unit 26 or an inquiry signal from the host computer 2 received via the host communication control unit 24, a ROM (Read Only Memory) is executed. The operation of each part of the automatic transaction apparatus 1 is controlled using the RAM as a working memory in accordance with a control program stored in advance in (1). The hard disk 23 stores an OS (Operating System) and a terminal ID (IDentification) for identifying the automatic transaction apparatus 1, a control program for controlling and executing each function of the automatic transaction apparatus 1, image data to be described later, and the like. Has been.

  The host communication control unit 24 controls communication with the host computer 2. The screen display unit 25 and the key input unit 26 are interfaces when the user operates the automatic transaction apparatus 1. That is, the screen display unit 25 displays a transaction menu and a guide regarding transactions. The key input unit 26 is a key for a user to input. The screen display unit 25 and the key input unit 26 are integrated as a touch panel of the display input unit 14. The camera unit 27 includes a customer camera 15, a first hand camera 16, and a second hand camera 17.

  Moreover, the banknote processing unit 30 counts the number of banknotes inserted from the banknote deposit / withdrawal unit 13 at the time of depositing or transferring money, and determines the type of banknote. Further, when the banknotes are paid out, the banknotes to be paid out are counted. The coin processing unit 40 counts the number of coins inserted from the coin deposit / withdrawal unit 12 when depositing or transferring money, and determines the type of coin. When coins are paid out, the coins to be paid out are counted. The passbook processing unit 50 reads data stored in the magnetic stripe portion of the passbook inserted from the passbook insertion unit 10. In addition, the bankbook is filled in for the bankbook.

  The card processing unit 60 reads data stored in the magnetic stripe part and IC chip part of the card medium inserted from the card insertion part 11. Also issue transfer cards and receipts.

First, the “processing when a forgetting to occur” executed by the automatic transaction apparatus 1 will be described.
FIG. 4 is a diagram illustrating a display example of the automatic transaction apparatus, FIGS. 5 and 6 are flowcharts illustrating a flow of “processing when a forgetting to occur”, and FIG. 7 is a diagram illustrating a message example.

  When the customer approaches the automatic transaction apparatus 1, a customer detection sensor (not shown) provided in the automatic transaction apparatus 1 detects the approach of the customer. Then, the screen display unit 25 displays a guidance screen as illustrated in FIG. 4 on the display input unit 14. Then, the automatic transaction apparatus 1 executes “forgetting to take place processing” as shown in FIGS. 5 and 6.

  First, in step S <b> 501 of FIG. 5, the customer camera 15 provided in the upper front portion of the automatic transaction apparatus 1 captures the customer's face image and stores it in the hard disk 23. Note that the face image to be captured may be a still image or a moving image. In the case of a moving image, shooting may be performed for a predetermined time, or shooting may be continued until some processing is completed.

  Next, in step S502, it is determined whether “withdrawal” has been selected by the customer or another process has been selected from the guidance screen illustrated in FIG.

  When other than “withdrawal” is selected (step S502: NO), “other processing” corresponding to the selected processing is executed in step S504.

  On the other hand, when “withdrawal” is selected (step S502: YES), in step S504, the display input unit 14 prompts the user to insert a card such as a cash card and takes in the inserted card. Then, for example, the account information data recorded on the magnetic stripe of the card is read.

  Next, in step 505, the display input unit 14 prompts the user to input a personal identification number, and accepts the personal identification number pressed by the customer. In step S506, the display input unit 14 is prompted to input a withdrawal amount, and the withdrawal amount pressed by the customer is accepted.

  Next, in step S507, an amount confirmation screen on which the input amount, correction key, and confirmation key are displayed is displayed on the display input unit 14, and the withdrawal amount is confirmed by pressing the confirmation key.

  In step S508, the host communication control unit 24 transmits a transaction request message to the host computer 2 via the network 4. The host computer 2 executes transaction processing according to the contents of the transaction request message, and returns a transaction permission message to the automatic transaction apparatus 1 via the network 4.

  When receiving a transaction permission message from the host computer 2 in step S509, the automatic transaction apparatus 1 prints a transaction record on a receipt and prints a transaction history on a journal in step S510. In step S511, the transaction of the transaction permission message is performed. Bills and coins are counted based on the amount.

  In step S512, the customer camera 15 captures the customer's face image and stores it in the hard disk 23. Note that the face image to be captured may be a still image or a moving image. In the case of a moving image, moving image shooting may be started in step S501, and moving image shooting may be terminated in step S512.

  Next, in step S513, the card inserted in step S504 and the receipt printed in step S510 are released. In step S514, out of the cash counted in step S511, coins are released from the coin deposit / withdrawal unit 12, Is discharged from the banknote deposit / withdrawal unit 13.

  Next, in step S515 in FIG. 6, whether a predetermined time has elapsed from when the cash is discharged in step S514 until it is detected by the sensor that all coins and banknotes have been extracted (whether time-out has occurred). ) Determine whether or not.

  And before time-out (step S515: NO), in step S516, insertion of a customer's hand etc. is detected by a sensor provided inside the coin deposit / withdrawal unit 12 and the bill deposit / withdrawal unit 13, and the insertion is detected. If not (step S516: NO), the process proceeds to step S519.

  On the other hand, if insertion is detected (step S516: YES), in step S517, the first hand camera 16 provided inside the coin deposit / withdrawal unit 12 receives a coin from the deposit / withdrawal port of the coin deposit / withdrawal unit 12. The second hand camera 17 provided in the inside of the banknote depositing / withdrawing unit 13 photographs the movement of the customer's hand taking out the banknote from the depositing / withdrawing port of the banknote depositing / withdrawing unit 13. To do. In step S518, the customer camera 15 captures the customer's face image.

  Next, in step S519, whether or not all coins and banknotes have been extracted is detected by sensors provided inside the coin deposit / withdrawal unit 12 and the banknote deposit / withdrawal unit 13, and all coins and banknotes have been extracted. If not (step S519: NO), the process returns to step S515.

  On the other hand, when all the coins and banknotes have been extracted (step S519: YES), the “forgetting to take out processing” is terminated. In this case, all the coins and banknotes released in step S514 in FIG. 5 are extracted.

  Moreover, when time-out occurs in step S515 (step S515: YES), since the coin or banknote remains in the coin deposit / withdrawal unit 12 or the banknote deposit / withdrawal unit 13, in step S520, the forgotten coin or banknote is removed. The amount is taken into the automatic transaction apparatus 1, and in step S521, the amount forgotten is determined by discrimination.

  Next, in step S522, "account number (card information)", "date and time of transaction", "transaction amount", "forgotten amount", "number of forgotten money type", "camera image", etc., as shown in FIG. Is transmitted to the host computer 2 via the network 4 as a message of “Notice of Forgotten Cash Information”.

  In step S523, the automatic transaction apparatus 1 temporarily enters a fault suspension state, and ends the “forgotten occurrence process”.

  FIG. 8 is a diagram illustrating an example of the data structure of the “forgetting database”, and FIG. 9 is a diagram illustrating an example of the data structure of the “ledger database”.

  The host computer 2 that has received the “Notice of Forgetting Cash Information” message (see FIG. 7) from the automatic transaction apparatus 1 provides the “Notice of Forgetting Cash Information” as the “Forgetting Database” with the data structure shown in FIG. Is stored in association with the account number. Further, the host computer 2 inputs the received “forgotten amount” into “update pending amount” of the “ledger database” having a data structure as shown in FIG.

  The host computer 2 inquires when the transaction request message from the automatic transaction apparatus 1 is received by the customer's transaction, or when “transaction after forgetting cash” is selected, and makes the network 4 to the automatic transaction apparatus 1. Send the necessary data via In addition, when there is an inquiry from the window terminal 3, data is transmitted to the window terminal 3.

  10, FIG. 11, FIG. 12 and FIG. 13 are flowcharts showing the flow of “after-forgetting processing”, and FIG. 14, FIG. 15, FIG. 21 and FIG. 17, 18 and 20 are diagrams showing display examples of the automatic transaction apparatus, and FIG. 19 is a diagram showing a print example of a receipt.

The “post-forgetting process” executed by the automatic transaction apparatus 1 will be described with reference to FIGS.
First, in step S <b> 1001 of FIG. 10, the customer camera 15 provided in the upper front portion of the automatic transaction apparatus 1 captures a customer face image and stores it in the hard disk 23. Note that the face image to be captured may be a still image or a moving image. In the case of a moving image, shooting may be performed for a predetermined time, or shooting may be continued until some processing is completed.

  Next, in step S1002, it is determined from the guidance screen as illustrated in FIG. 4 whether “post-forgetting cash processing” has been selected by the customer or another processing has been selected.

  If “post-forgetting cash processing” is selected (step S1002: YES), in step S1003, the display input unit 14 prompts the user to insert a card such as a cash card, and takes in the inserted card. Then, for example, the account information data recorded on the magnetic stripe of the card is read.

  Next, in step 1004, the display input unit 14 prompts the user to input a personal identification number, and accepts the personal identification number pressed by the customer.

  In step S1005, the host communication control unit 24 transmits a “forgetting inquiry request” message as shown in FIG. 14 to the host computer 2 via the network 4. Here, the message type illustrated in FIG. 14 is “002”, which indicates a message transmitted from the automatic transaction apparatus 1. The host computer 2 refers to the “forgetting database” in FIG. 8 and the “ledger database” in FIG. 9 as transaction processing according to the contents of the forgetting inquiry request message, and “updates” the ledger data corresponding to the account number. If the “pending amount” is not “0” yen, it is determined that the item has been forgotten. Then, if the “update pending amount” is not “0”, the host computer 2 sends a “forgetting inquiry response” message as shown in FIG. Return to Further, if the “update pending amount” is “0” yen, a “forgetting inquiry response” message for rejecting the transaction is returned. The “forgetting to take inquiry response” message illustrated in FIG. 15 is a message for permitting the transaction because “forgetting / not applicable” display is “1”. If this “forgotten / not applicable” display is “0”, a “forgotten inquiry response” message for rejecting the transaction is generated.

  In step S1006, the automatic transaction apparatus 1 receives a “forgetting inquiry response” message from the host computer 2.

  In step S1007, it is determined whether or not there has been a forgotten transaction depending on whether the “forgotten / not applicable” display received in step S1006 is “1” or “0”.

  When it is determined that there is no forgetting transaction (step S1007: NO), a guide screen as illustrated in FIG. 16 is displayed in step S1008, and the card inserted in step S1003 is released in step S1009. “Process after forgetting” is terminated.

  On the other hand, if it is determined that there has been a forgotten transaction (step S1007: YES), in step S1010 of FIG. 11, a guidance screen showing the contents of the forgotten transaction as illustrated in FIG. 17 is displayed. This guidance screen allows you to press the “Accept” button if you accept the details of the displayed transaction you have forgotten, and you can press the “Do not accept” button if you do not agree. is there.

  Then, the customer confirms such a guidance screen, and in step S1011, it is determined whether or not to accept the forgotten contents, that is, whether or not the “accept” button is pressed or the “not approve” button is pressed. .

  If it is determined that the request is not accepted (the “do not accept” button is pressed) (step S1011: NO), in step S1012, a guidance screen as illustrated in FIG. 18 is displayed to guide the customer to the window. In step S1013, the card inserted in step S1003 and the receipt illustrated in FIG. 19 are discharged.

  On the other hand, when it is determined that the user agrees (the “Accept” button is pressed) (step S1011: YES), in step S1014, a guidance screen for selecting the re-transaction method illustrated in FIG. 20 is displayed. This guide screen allows you to press the “Withdraw” button if you wish to withdraw cash that you have forgotten to collect. To return cash that you forgot to take as a balance, click the “Return balance” button. It can be pressed.

In step S1015, it is determined whether “Drawer” or “Return balance” has been selected by the customer from the guidance screen illustrated in FIG.
When “withdrawal” is selected (step S1015: YES), in step S1016, the host communication control unit 24 sends “pay after forgetting” to the host computer 2 via the network 4 as illustrated in FIG. Send a request message. This electronic message is composed of the account information data read in step S1003 and the forgotten amount received from the host computer 2 in step S1006.
In the host computer 2, the “update pending amount” in the ledger database (see FIG. 9) is updated to “0” yen according to the “pay request after forgetting” message, and the processing result (transaction permission message) via the network 4. Is returned to the automatic transaction apparatus 1.

  In step S1017, the automatic transaction apparatus 1 receives the processing result (transaction permission message) from the host computer 2, and in step S1018, the transaction record is printed on the receipt and the transaction history is printed on the journal. In step S1019, the host Bills and coins are counted based on the forgotten amount received from the computer 2 (step S1006).

  In step S1020, the card inserted in step S1003 and the receipt printed in step S1018 are released, and in step S1021, the coins counted in step S1019 are released from the coin deposit / withdrawal unit 12 and the banknotes. Is discharged from the banknote depositing / withdrawing unit 13, and the “post-forgetting processing” is terminated.

On the other hand, when “Return balance” is selected in step S1015 (step S1015: NO), the host communication control unit 24 as illustrated in FIG. 22 with respect to the host computer 2 via the network 4 in step S1022 Send a “Ledger Return Request” message. This electronic message is composed of the account information data read in step S1003 and the forgotten amount received from the host computer 2 in step S1006.
In accordance with the “ledger return request” message, the host computer 2 adds the “update pending amount” in the ledger database to the balance of the account number and updates the “update pending amount” in the ledger database to “0” yen. The processing result (transaction permission message) is returned to the automatic transaction apparatus 1 via 4.

  In step S1023, the automatic transaction apparatus 1 receives the processing result (transaction permission message) from the host computer 2, and in step S1024, the transaction record is printed on a receipt and the transaction history is printed on a journal.

  In step S1025, the medium card inserted in step S1003 and the receipt printed in step S1024 are discharged, and the “post-forgetting process” is terminated.

  When “other than forgetting to take cash” is selected in step S1002 of FIG. 10 (step S1002: NO), in step S1026 of FIG. 12, “withdraw” by the customer from the guidance screen illustrated in FIG. It is determined whether or not another process has been selected.

  When other than “withdrawal” is selected (step S1026: NO), “other processing” corresponding to the selected processing is executed in step S1027.

  On the other hand, when “withdrawal” is selected (step S1026: YES), in step S1028, the display input unit 14 prompts the user to insert a card such as a cash card and takes in the inserted card. Then, for example, the account information data recorded on the magnetic stripe of the medium card is read.

  Next, in step 1029, the display input unit 14 prompts the user to input a personal identification number, and accepts the personal identification number pressed by the customer. In step S1030, the display input unit 14 prompts the input of the withdrawal amount, and accepts the withdrawal amount pressed by the customer.

  In step S1031, an amount confirmation screen on which the input amount, correction key, and confirmation key are displayed is displayed on the display input unit 14, and the withdrawal amount is confirmed by pressing the confirmation key.

In step S 1032, the host communication control unit 24 transmits a “transaction request” message (not shown) in the payment transaction as a message requesting the transaction to the host computer 2 via the network 4. This electronic message is composed of the account number, personal identification number, withdrawal amount, etc. acquired in steps S1028 to 1030.
The host computer 2 refers to the “forgetting database” in FIG. 8 and the “ledger database” in FIG. 9 based on the account number of the transaction request message, and the “update pending amount” of the ledger data corresponding to the account number is “ If it is not “0” yen, it is determined that it has been forgotten. If the “update pending amount” is not “0”, the host computer 2 returns a “forgetting inquiry response” message as shown in FIG. 15 to the automatic transaction apparatus 1 via the network 4. Further, if the “reserved reserve amount” is “0” yen, the “withdrawal” process is executed because it has not been forgotten. That is, the balance of the “ledger database” in FIG. 9 is subtracted by the withdrawal amount of the transaction request message, and a “transaction permission” message (not shown) is returned.

  In step S <b> 1033, the automatic transaction apparatus 1 receives a “forget inquiry response” message or a “transaction permission” message as shown in FIG. 15 from the host computer 2.

  In step S1034, it is determined whether or not the message received in step S1033 is a “forget inquiry response” message.

  When it is determined that there is no forgotten transaction, that is, when a “transaction permission” message in a payment transaction is received in step S1033 (step S1033: NO), a transaction record is printed on a receipt and transaction history in step S1035. Is printed in the journal, and in step S1036, banknotes and coins are counted based on the transaction amount of the payment permission message.

  In step S 1037, the customer camera 15 captures the customer's face image and stores it in the hard disk 23. Note that the face image to be captured may be a still image or a moving image. In the case of a moving image, moving image shooting may be started in step S1001 in FIG. 10, and moving image shooting may be terminated in step S1037.

  Next, in step S1038, the card inserted in step S1028 and the receipt printed in step S1035 are released. In step S1039, coins out of the cash counted in step S1036 are released from the coin deposit / withdrawal unit 12, Is discharged from the banknote deposit / withdrawal unit 13.

  Next, in step S1040 in FIG. 13, whether a predetermined time has elapsed from when the cash is discharged in step S1039 to when it is detected by the sensor that all coins and banknotes have been extracted (whether time-out has occurred). ) Determine whether or not.

  And before time-out (step S1040: NO), in step S1041, insertion of a customer's hand etc. is detected with the sensor provided in the coin depositing / withdrawing part 12 and the banknote depositing / withdrawing part 13, and insertion is detected. If not (step S1041: NO), the process proceeds to step S1044.

  On the other hand, when insertion is detected (step S1041: YES), in step S1042, the first hand camera 16 provided inside the coin deposit / withdrawal unit 12 receives coins from the deposit / withdrawal port of the coin deposit / withdrawal unit 12. The second hand camera 17 provided in the inside of the banknote depositing / withdrawing unit 13 photographs the movement of the customer's hand taking out the banknote from the depositing / withdrawing port of the banknote depositing / withdrawing unit 13. To do. In step S1043, the customer camera 15 captures a customer face image.

  Next, in step S1044, whether or not all coins and banknotes have been extracted is detected by sensors provided in the coin deposit / withdrawal unit 12 and the banknote deposit / withdrawal unit 13, and all coins and banknotes have been extracted. If not (step S1044: NO), the process returns to step S1040.

  On the other hand, when all the coins and banknotes have been extracted (step S1044: YES), the “forgetting to take out processing” is terminated. In this case, all the coins and bills released in step S1039 in FIG. 12 have been extracted.

  In addition, when a time-out occurs in step S1040 (step S1040: YES), since the coin or banknote remains in the coin deposit / withdrawal unit 12 or the banknote deposit / withdrawal unit 13, in step S1045, the forgotten coin or banknote is removed. The amount is taken into the automatic transaction apparatus 1, and in step S1046, the amount forgotten to be collected is determined.

  Next, in step S1047, "account number (card information)", "transaction date and time", "transaction amount", "forgotten amount", "number of forgotten money type", "camera image", etc., as shown in FIG. Is transmitted to the host computer 2 via the network 4 as a message of “Notice of Forgotten Cash Information”.

Then, in step S1048, the automatic transaction apparatus 1 temporarily enters a fault suspension state, and ends the “forgetting occurrence process”.
On the other hand, if it is determined in step S1034 in FIG. 12 that there has been a forgetting transaction, that is, if a “forgetting inquiry response” message is received in step S1033 (step S1034: YES), the process returns to step S1010 in FIG. .

Next, the “window guidance process” executed by the automatic transaction apparatus 1 will be described.
FIG. 23 is a flowchart showing the flow of the “window guidance process”, and FIG. 24 is a diagram showing a display example of the window terminal.

  When the customer who is guided to go to the window in step S1012 in FIG. 11 mentioned above brings the receipt (see FIG. 19) released in step S1013 to the window, the window terminal 3 operates the window guidance process by the window staff. ”Is executed.

  First, in step S2301 of FIG. 23, an account number is read from a card such as an inserted cash card or the account number is input. In step S2302, the personal identification number is input.

  Then, in step S2303, the window terminal 3 inquires the host computer 2 about the forgotten transaction. Specifically, the window terminal 3 transmits a “forgetting inquiry request” message as shown in FIG. 14 to the host computer 2 via the network 4. Here, the message type illustrated in FIG. 14 is “003”, which indicates a message transmitted from the window terminal 3. The host computer 2 refers to the “forgetting database” in FIG. 8 and the “ledger database” in FIG. 9 as transaction processing according to the contents of the forgetting inquiry request message, and “updates” the ledger data corresponding to the account number. If the “pending amount” is not “0” yen, it is determined that the item has been forgotten. Then, if the “update pending amount” is not “0”, the host computer 2 sends a “forget inquiry response” message as shown in FIG. Return it. Further, if the “update pending amount” is “0” yen, a “forgetting inquiry response” message for rejecting the transaction is returned. The “forgetting to take inquiry response” message illustrated in FIG. 15 is a message for permitting the transaction because “forgetting / not applicable” display is “1”. If this “forgotten / not applicable” display is “0”, a “forgotten inquiry response” message for rejecting the transaction is generated. Then, the window terminal 3 receives a “forgetting inquiry response” message from the host computer 2.

  Then, in step S2304, the “camera image” stored in the “forgetting inquiry response” message received from the host computer 2 is compared with the face of the customer who came to the window, and if they do not match (step S2304: NO) Explains that the customer cannot accept the payment transaction, and ends the “window guidance process”.

  On the other hand, if the “camera image” matches the face of the customer who came to the window (step S2304: YES), in step S2305, a “forgetting inquiry” screen as illustrated in FIG. 24 is displayed.

  Then, in step S2306, if the forgotten content that the customer who came to the window has previously reported does not match the content of the “forgotten to make inquiry” screen displayed in step S2305 (step S2306: NO) ) Explains that the customer cannot accept the payment transaction, and ends the “window guidance process”.

  On the other hand, if the forgotten contents match (step S2306: YES), the process after forgetting is executed in step S2307. Specifically, the cash of the amount stored in the “forgotten amount” of the “forgotten database” is released and the “update pending amount” in the “ledger database” is updated to “0” yen, or the ledger The “update hold amount” in the database is added to the balance of the account number, and the “update hold amount” in the ledger database is updated to “0” yen.

  As mentioned above, although embodiment of this invention has been described referring drawings, the automatic transaction apparatus to which this invention is applied is not limited to the above-mentioned embodiment.

  Further, the above-described embodiment of the present invention can be realized by hardware or firmware or software on a DSP (Digital Signal Processor) board or CPU board as one function of the automatic transaction apparatus.

  Further, the automatic transaction apparatus to which the present invention is applied is not limited to the above-described embodiment as long as the function is executed, and even a single apparatus or a system composed of a plurality of apparatuses Needless to say, the integrated device may be a system in which processing is performed via a network such as a LAN or a WAN.

  It can also be realized by a system including a CPU, a ROM or RAM memory connected to a bus, an input device, an output device, an external recording device, a medium driving device, and a network connection device. That is, a ROM or RAM memory, an external recording device, and a portable recording medium that record a software program for realizing the system of the above-described embodiment is supplied to an automatic transaction apparatus, and the computer of the automatic transaction apparatus is programmed. Needless to say, this can also be achieved by reading and executing.

  In this case, the program itself read from the portable recording medium or the like realizes the novel function of the present invention, and the portable recording medium or the like on which the program is recorded constitutes the present invention.

  Examples of portable recording media for supplying the program include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, DVD-RAMs, magnetic tapes, and nonvolatile memory cards. Various recording media recorded via a network connection device (in other words, a communication line) such as a ROM card, electronic mail or personal computer communication can be used.

  The computer (information processing apparatus) executes the program read out on the memory, thereby realizing the functions of the above-described embodiment, and an OS running on the computer based on the instructions of the program. Performs part or all of the actual processing, and the functions of the above-described embodiments are also realized by the processing.

  Furthermore, a program read from a portable recording medium or a program (data) provided by a program (data) provider is stored in a memory provided in a function expansion board inserted into the computer or a function expansion unit connected to the computer. After being written, the CPU of the function expansion board or function expansion unit performs part or all of the actual processing based on the instructions of the program, and the functions of the above-described embodiment are realized by the processing. obtain.

  That is, the present invention is not limited to the embodiments described above, and can take various configurations or shapes without departing from the gist of the present invention.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer 3 Window terminal 4 Network 10 Passbook insertion part 11 Card insertion part 12 Coin depositing / withdrawing part 13 Banknote depositing / withdrawing part 14 Display input part 15 Customer camera 16 First hand camera 17 Second hand camera 20 ATM control unit 21 Main control unit 22 Memory 23 Hard disk 24 Host communication control unit 25 Screen display unit 26 Key input unit 27 Camera unit 28 IO control unit 30 Banknote processing unit 40 Coin processing unit 50 Passbook processing unit 60 Card processing unit

Claims (1)

An automatic transaction system comprising a host computer, an automatic transaction apparatus communicable with the host computer, and a window terminal communicable with the host computer,
The automatic teller machine,
And cash release means for releasing the cash of the specified amount of interest for a person to the dispensing unit,
Cash detection means for detecting the presence of cash in the withdrawal unit;
First imaging means for photographing the user and obtaining a user image;
A second imaging means for taking a picture of the user's hand to withdraw the cash from the withdrawal unit and obtaining a hand image;
When the cash detection means detects that all or part of the cash balance is present in the withdrawal portion after a predetermined time has elapsed since the cash is released by the cash release means, Including
A balance counter for counting the balance taken in by the balance capture means;
Transmitting means for transmitting the user image captured by the first imaging means, the hand image captured by the second imaging means, and balance information indicating the balance counted by the balance counting means to the host computer; ,
Receiving means for receiving the balance information from the host computer;
Balance information display means for displaying the balance information received by the receiving means;
Guidance display means for displaying a guidance display for guiding to a window terminal communicable with the host computer;
With
The window terminal is
Display means for displaying the user image, the hand image and the balance information transmitted from the host computer;
An automatic transaction system comprising: