JP2020129253A - Automated transaction device and control method - Google Patents

Abstract

To reduce the work of checking a left-behind banknote.SOLUTION: An automated transaction device 10 includes a display and reception unit 12, a medium processor 14, and a banknote processor 15. The display and reception unit 12 displays a screen for selecting a financial transaction, and receives the financial transaction selected by a customer. The medium processor 14 receives a medium from the customer, reads information from the medium, photographs the medium, and acquires medium image data that is image data of the medium. A controller 11 processes a financial transaction based on the information read from the medium, prints a type, the number of banknotes, a bill number of the left-behind banknote 32, and the medium image data on a dummy banknote 30 when finding a left-behind banknote 32 that the customer left behind, and notifies the banknote processor 15 of an instruction to store a printed dummy banknote 31 that is the dummy banknote 30 printed as well as the left-behind banknote 32.SELECTED DRAWING: Figure 1

Description

The present invention relates to an automatic transaction device and control method.

As a transaction device for performing financial transactions, an automatic transaction device (ATM; Automated Teller Machine, hereinafter referred to as ATM) used in financial institutions and the like is known. Customers (ATM users) use ATMs to perform financial transactions such as cash deposit/withdrawal and transfer.

The customer may forget to take out the withdrawn cash to the ATM after performing the withdrawal transaction using the ATM. The ATM has a function of detecting and storing cash that has been forgotten.
For example, an automatic transaction device is equipped with a discharge mechanism for discharging a medium such as a card that a customer has forgotten to the outside from a discharge port provided at the rear of each unit (passbook recorder unit, banknote depositing/dispensing unit, etc.). There is known a technique including a box for storing a forgetting medium discharged from each unit, and a moving mechanism for moving the forgetting medium from a discharge port of each unit to a box storing a forgetting medium.

JP-A-8-77416

However, in the conventional technology, although it is possible to store and store each forgetting medium in each unit, the recording of the details of the transaction in which the forgetting medium has occurred has not been considered. For example, there has been little consideration about recording the medium used and the condition of the customer in the case of forgetting to take a bill.

When a banknote is left uncollected, a clerk of the financial institution listens to the customer for the status of the leftover banknote, and confirms the transaction content using a journal in which the transaction history in the ATM is recorded. At this time, the clerk will return the banknotes that were forgotten after confirming the consistency between the contents of the interview with the customer and the contents of the journal, but the identity of the customer and the type of medium used for the transaction ( It may take a long time to check cards, passbooks, etc.). In addition, it may be difficult for the clerk to specify which banknote is the banknote to be returned, which may require time and labor. In addition, since a journal recorded by ATM has a large amount of information, the clerk may spend time and labor for identifying transaction information for which forgetting has occurred from the journal. There is a demand for a technique for coping with such a situation and reducing the work of confirming forgotten banknotes.

In one aspect, the present invention aims to reduce the work of confirming forgotten banknotes.

In order to achieve the above object, the following automatic transaction device is provided. The automatic transaction device includes a display acceptance unit, a medium processing unit, a bill processing unit, and a control unit. The display reception unit displays a screen for selecting a financial transaction and receives the selection of the financial transaction from the customer. The medium processing unit receives a medium from a customer, reads information from the medium, photographs the medium, and acquires medium image data that is image data of the medium. The control unit conducts a financial transaction based on the information read from the medium, and when there is a banknote that is a banknote that the customer forgets to banknote, the banknote type, the number, the banknote number, and the medium image data are simulated. A bill is printed on a bill, and the bill processing unit is notified of an instruction to store the printed simulated bill and the forgotten bill that are the printed bills.

According to one aspect, it is possible to reduce the work of confirming forgotten banknotes.

It is a figure which shows an example of the automatic transaction apparatus of 1st Embodiment. It is a figure which shows an example of the information processing system of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the host of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of ATM of 2nd Embodiment. It is a figure which shows an example of a structure of the banknote processing unit of 2nd Embodiment. It is a figure which shows an example of the printing imitation banknote of 2nd Embodiment (the 1). It is a figure which shows an example of the printing imitation banknote of 2nd Embodiment (the 2). It is a figure which shows an example of the flowchart of the forget-me-not-notes storage process of 2nd Embodiment (the 1). It is a figure which shows an example of the flowchart of a forgetting banknote storage process of 2nd Embodiment (the 2).

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the automatic transaction device according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of the automatic transaction device according to the first embodiment.

The automatic transaction device 10 is a device for conducting financial transactions, and is, for example, an ATM installed in a financial institution or the like. The automatic transaction device 10 has a function of communicating information with a host computer of a financial institution via a network. Illustration of the host computer and the network is omitted.

The automatic transaction device 10 includes a control unit 11, a display acceptance unit 12, a photographing unit 13, a medium processing unit 14, and a bill processing unit 15. The automatic transaction device 10 also includes a storage unit. The storage unit is an HDD (Hard Disk Drive) provided in the automatic transaction device 10, various memories, or the like. The storage unit stores a program for executing the control method in the automatic transaction device 10, an operating system, and the like. Note that the illustration of the storage unit is omitted.

The control unit 11 controls the entire automated teller machine 10, and is, for example, a processor or the like. The control unit 11 can control the automatic transaction apparatus 10 based on the operation of the customer accepted by the display acceptance unit 12 or the medium such as the card accepted by the medium processing unit 14. Further, the control unit 11 detects the medium (card, passbook, financial transaction slip) inserted by the customer through the medium processing unit 14, and based on the information (account number, etc.) read from the medium, the host computer and the financial system. Make a deal.

The display receiving unit 12 displays a screen for selecting a financial transaction and receives the selection of the financial transaction from the customer. The display accepting unit 12 is, for example, a display and a touch panel provided on the outer surface of the automatic transaction device 10. The display reception unit 12 has functions corresponding to various operations such as selection of a financial transaction, reception of a personal identification number (password), reception of the amount of deposit and withdrawal.

The photographing unit 13 has a function of photographing a customer who uses the automated teller machine 10, and is, for example, a camera. The image capturing unit 13 captures image data by capturing an image of a customer who uses the automatic transaction device 10 and a background, and notifies the control unit 11 of the image data of the customer (customer image data).

The medium processing unit 14 accepts a medium (card, passbook, slip of financial transaction, etc.) from a customer who uses the automatic transaction device 10, reads information (account number, etc.) recorded in the medium, and notifies the control unit 11. .. The medium processing unit 14 photographs the received medium to acquire image data, and notifies the control unit 11 of the image data of the medium (medium image data). The medium is a medium that is inserted or ejected in the automatic transaction device 10, and is, for example, a card, a passbook, a financial transaction slip (transfer slip, transfer slip, or the like). For example, the medium image data obtained by photographing the card includes images such as the name of the financial institution, the account number, and the name of the owner (customer) of the account written on the surface of the card. The name of the user (customer) can be confirmed.

The banknote processing unit 15 has a function of depositing and withdrawing banknotes. Further, the banknote processing unit 15 also has a function of detecting that there is a banknote (forgotten banknote) left by the customer in the automatic transaction device 10 and storing the forgot banknote. The bill processing unit 15 includes a simulated bill storage unit 20, a printing unit 21, a bill input/output unit 22, and a forgotten banknote storage unit 23.

The simulated banknote storage unit 20 is a storage unit that stores the simulated banknotes 30. The simulated bill storage unit 20 ejects the stored simulated bills 30 based on an instruction from the control unit 11. The simulated banknote 30 is a rectangular paper that is similar to the banknote. The simulated banknote 30 is normally used as a substitute for a banknote for confirmation of a banknote transport path in the automatic transaction device 10. However, in the present embodiment, information about a banknote forgot banknote 32 is printed, and a banknote forgot banknote 32 is printed. It is also stored in the forget-me-not banknote storage unit 23 and used as a recording sheet of information about the forget-me-not banknote 32.

The printing imitation banknote 31 is the imitation banknote 30 on which information about the forgotten banknote 32 is printed. The information about the forgot banknotes 32 includes the date of the financial transaction in which the forgot banknotes 32 occurred, the time when the financial transaction was performed, the transaction type of the financial transaction, and the information on whether the financial transaction was established or not established. In addition, the information about the forget-to-take banknotes 32 is the medium used when performing the financial transaction that has occurred in the forget-to-take banknotes 32, the banknote type of the forget-to-take banknotes 32, the number of the forget-to-take banknotes 32, and the banknotes of the forget-to-take banknotes 32. Including the number. In addition, the information about the forget-to-take banknotes 32 is the medium image data of the medium used when performing the financial transaction in which the forget-to-take banknotes 32 occur, or the customer image of the customer who performed the financial transaction in which the forget-to-take banknotes 32 occurred. Contains data.

The printing unit 21 prints information about the forgotten banknotes 32 on the simulated banknote 30 based on an instruction from the control unit 11, and generates a printed simulated banknote 31 that is the printed simulated banknote 30. The bill input/output unit 22 has a function of inserting and discharging a bill based on an instruction from the control unit 11. The banknote pay-in/pay-out unit 22 detects that there is a banknote forgot banknote 32 that is a banknote that the customer forgets to banknote in a financial transaction. Further, the bill input/output unit 22 has a function of acquiring the type, the number, and the bill number of the forgotten banknotes 32 and notifying the control unit 11. The forgotten banknote storage unit 23 is a storage unit for storing the forgotten banknotes 32 and the simulated print banknotes 31.

Here, in the automatic transaction device 10, a case will be described in which a customer performs a withdrawal process using a card and forgets to take out a bill withdrawn by the customer.
The control unit 11 of the automatic transaction device 10 detects the customer and instructs the display acceptance unit 12 to display the transaction selection screen. The display receiving unit 12 displays the transaction selection screen based on the instruction from the control unit 11. The customer makes an input to select a withdrawal transaction on the transaction selection screen displayed on the display acceptance unit 12, and inserts the card into the medium processing unit 14.

The display accepting unit 12 accepts the selection of the withdrawal transaction and displays a screen for prompting the input of the personal identification number and the withdrawal amount. The customer visually checks the display reception unit 12 and inputs the personal identification number and the withdrawal amount.

The control unit 11 executes the financial transaction (withdrawal transaction) selected based on the information read from the card. The control unit 11 transmits the account information read from the card, the personal identification number received from the customer, the withdrawal amount, etc. to the host computer to request a withdrawal transaction. The control unit 11 receives the response of the permission of the withdrawal transaction from the host computer, and instructs the bill processing unit 15 to withdraw the bill. The banknote processing unit 15 instructs the banknote pay-in/pay-out unit 22 to dispense a banknote based on an instruction from the control unit 11. The banknote pay-in/pay-out unit 22 pays out banknotes of the designated denomination and the number of banknotes. Further, the medium processing unit 14 ejects the accepted card from the medium processing unit 14 and returns it to the customer.

It is assumed that the customer has made a withdrawal transaction, but has received only the card ejected from the medium processing unit 14 and has forgotten to take out the banknote ejected from the banknote withdrawal unit 22.
The control unit 11 determines whether or not the untaken banknote banknote 32 exists in the banknote input/output unit 22 via the banknote processing unit 15. When there are untaken banknotes 32, the control unit 11 notifies the banknote processing unit 15 of an instruction to print the type, number, banknote number, and medium image data of the forgot banknotes 32 on the simulated banknote 30. In addition, when the control unit 11 acquires the customer image data obtained by photographing the customer from the photographing unit 13, the control unit 11 notifies the bill processing unit 15 of an instruction to print the customer image data on the simulated bill 30. The banknote processing unit 15 instructs the printing unit 21 to print the simulated banknote 30 and generate the simulated printing banknote 31 based on the instruction from the control unit 11.

The control unit 11 notifies the banknote processing unit 15 of an instruction to store the printed simulated banknotes 31 that are the printed simulated banknotes 30 and the forgotten banknotes 32. The banknote processing unit 15 stores the forgotten banknotes 32 and the printing imitation banknotes 31 in the forgotten banknote storage unit 23 based on the instruction from the control unit 11.

In this way, the automated teller machine 10 stores the imitation banknotes 32 and the printing imitation banknotes 31 on which the image data of the image of the medium is printed in the banknotes banknote storage section 23. Thereby, the clerk can confirm the medium used by the customer without confirming the transaction history, and can infer that the owner of the photographed medium is the owner of the forgotten banknote bill 32. Further, the automated teller machine 10 stores the imitation bill banknotes 31 and the printed banknotes 31 on which the image data of the image of the customer is printed in the banknotes banknote storage unit 23. In addition to the confirmation of the account number by the medium image data, the clerk can also confirm the identity of the customer based on the image data of the customer printed on the simulated printing paper money 31. As a result, the clerk can confirm the medium used in the financial transaction and the customer who performed the financial transaction, and can reduce the time and labor spent for the confirmation work when returning the forgotten banknote to the customer.

In this way, the automatic transaction device 10 can reduce the work of confirming the forgotten bill.
[Second Embodiment]
Next, an information processing system in which the automated teller machine 10 is applied to an ATM will be described as a second embodiment with reference to FIG. FIG. 2 is a diagram illustrating an example of the information processing system according to the second embodiment.

An information processing system 400 in a financial institution or the like includes one or more ATMs 100 (one of which is shown in FIG. 2) and a host 300. The ATM 100 is connected to the host 300 via the network 410. The host 300 performs information communication with the ATM 100 via the network 410. The network 410 may be a wired network or a wireless network. Further, the ATM 100 and the host 300 may be connected by a dedicated line.

The ATM 100 has a customer operation unit 120, a card/receipt unit 130, a passbook processing unit 140, a coin processing unit 150, a bill processing unit 160, a ten-key input unit 170, and a camera unit 190.

The customer operation unit 120 has a display and a touch panel, and guides transaction operations and accepts instructions.
The card/receipt unit 130 inserts and ejects cards in transactions using cards such as cash cards and credit cards. Further, the card/receipt unit 130 discharges the receipt at the end of the transaction.

The passbook processing unit 140 inserts and ejects the passbook when receiving the passbook, and prints the passbook as necessary. The passbook processing unit 140 has a function of photographing the passbook, and can obtain the appearance of the passbook as image data. The passbook processing unit 140 also has a function of processing a transfer slip. The passbook processing unit 140 has a function of, when a transfer slip is inserted, acquiring image data of the transfer slip, reading a barcode printed on the transfer slip, and performing character recognition.

The coin processing unit 150 processes the delivery of coins during deposit and withdrawal transactions. The bill processing unit 160 processes the delivery of bills at the time of deposit and withdrawal transactions.
The ten-key input unit 170 includes buttons for inputting numbers and the like, and cooperates with the touch panel of the customer operation unit 120 to receive customer instructions. For example, the ten-key input unit 170 can accept a personal identification number for authenticating a card or the like, selection of financial transaction content, and input of financial transaction amount.

The camera unit 190 has a function of facing the ATM 100 and photographing the customer who uses the ATM 100 and the background of the customer. The camera unit 190 photographs a customer and acquires image data.
The host 300 is a computer that transmits/receives information to/from the ATM 100 and executes a program having a function of accounting business, customer authentication processing using the ATM 100, and management of the ATM 100. The host 300 also receives transaction history information from the ATM 100 and stores it in the database 320. The database 320 is a storage device that stores various types of information. In addition, the host 300 also executes a program having a function of acquiring a telegram notifying an error or an operation state from the ATM 100 and managing the ATM 100. Although the host 300 has the functions of the accounting business and the management business of the ATM 100, these functions may be realized by different computers.

Next, the hardware configuration of the host according to the second embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of the hardware configuration of the host according to the second embodiment.
The host 300 includes a control unit 310. The control unit 310 includes a processor 311, a RAM (Random Access Memory) 312, an HDD 313, an image signal processing unit 314, an input signal processing unit 315, a medium reader 316, and a communication interface 317. The entire device of the host 300 is controlled by the processor 311. A RAM 312 and a plurality of peripheral devices are connected to the processor 311 via a bus 318. The processor 311 may be a multiprocessor. The processor 311 is, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), or a PLD (Programmable Logic Device). Further, the processor 311 may be a combination of two or more elements of CPU, MPU, DSP, ASIC, PLD.

The RAM 312 is used as a main storage device of the host 300. The RAM 312 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the processor 311. Further, the RAM 312 stores various data necessary for the processing by the processor 311.

Peripheral devices connected to the bus 318 include a HDD 313, an image signal processing unit 314, an input signal processing unit 315, a medium reader 316, and a communication interface 317.
The HDD 313 magnetically writes and reads data to and from the built-in disk. The HDD 313 is used as an auxiliary storage device of the host 300. The HDD 313 stores the OS program, application programs, and various data. Not limited to the HDD 313, SSD (Solid State Drive) can also be used. A semiconductor memory device such as a flash memory may be used as the auxiliary memory device.

The image signal processing unit 314 outputs an image to the display 314a connected to the host 300 according to an instruction from the processor 311. As the display 314a, any kind of display such as a CRT (Cathode Ray Tube) display, a liquid crystal display (LCD: Liquid Crystal Display), a plasma display, an organic EL (OEL: Organic Electro-Luminescence) display, or the like can be used.

The input signal processing unit 315 acquires an input signal from the input device 315a connected to the host 300 and outputs it to the processor 311. As the input device 315a, any type of input device such as a mouse, a touch panel, a touch pad, a trackball, a keyboard, a remote controller, or a button switch can be used. Further, a plurality of types of input devices may be connected to the host 300.

The medium reader 316 is a reading device that reads programs and data recorded in the recording medium 319. As the recording medium 319, for example, a magnetic disk, an optical disk, a magneto-optical disk (MO: Magneto-Optical disk), a semiconductor memory, or the like can be used. The magnetic disk includes a flexible disk (FD: Flexible Disk) and an HDD. The optical disc includes a CD (Compact Disc) and a DVD (Digital Versatile Disc).

The medium reader 316 copies the program or data read from the recording medium 319 to another recording medium such as the RAM 312 or the HDD 313, for example. The read program is executed by the processor 311, for example. The recording medium 319 may be a portable recording medium and may be used for distributing programs and data. The recording medium 319 and the HDD 313 may be referred to as a computer-readable recording medium.

The communication interface 317 is connected to the database 320 and the network 410. The communication interface 317 transmits/receives data to/from another computer, a storage device, or a communication device. The database 320 stores various kinds of information and makes the information available by searching and extracting, and a storage system or the like may be used.

With the above hardware configuration, the processing function of the host 300 of the second embodiment can be realized. Note that the above configuration is an example, and the combination of the components can be appropriately determined. For example, you may delete unnecessary ones in the above-mentioned composition.

The host 300 realizes the processing functions of the second embodiment by executing a program recorded in a computer-readable recording medium, for example. The program describing the processing content to be executed by the host 300 can be recorded in various recording media. For example, the program to be executed by the host 300 can be stored in the HDD 313. The processor 311 loads at least a part of the program in the HDD 313 into the RAM 312 and executes the program. Further, the program executed by the host 300 can be recorded in a portable recording medium such as an optical disk, a memory device, a memory card or the like. The program stored in the portable recording medium becomes executable after being installed in the HDD 313 under the control of, for example, the processor 311. Further, the processor 311 can directly read and execute the program from the portable recording medium.

Next, the ATM of the second embodiment will be described with reference to FIG. FIG. 4 is a diagram showing an example of the hardware configuration of the ATM of the second embodiment.
The ATM 100 includes a control unit 110, a display 120a, a touch panel 120b, a card/receipt processing unit 130a, a passbook processing unit 140a, a coin processing unit 150a, a banknote processing unit 160a, a ten-key processing unit 170a, and an interpersonal sensor. It has a control unit 175a and a camera processing unit 190a.

The control unit 110 includes a processor 111, a RAM 112, a first HDD 113a, a second HDD 113b, an external communication interface 114, a display processing unit 115, a touch panel processing unit 116, and an I/O (Input/Output) control unit 117, each of which is a bus 118. Connected through.

The processor 111 controls the entire operation of the ATM 100. The processor 111 is, for example, a CPU, MPU, or the like. The processor 111 stores transaction history information including the banknote type and serial number (number identifying a banknote) acquired via the banknote processing unit 160a in a storage unit such as the first HDD 113a or the second HDD 113b. Further, the processor 111 transmits transaction history information to the host 300.

The RAM 112 temporarily stores at least part of an OS program and an application program to be executed by the processor 111. Further, the RAM 112 stores various data necessary for the processing by the processor 111.

The first HDD 113a and the second HDD 113b can store an OS, application programs, transaction history information, and the like. The first HDD 113a and the second HDD 113b are duplicated for system protection, but may be configured with only one of them. Further, the first HDD 113a and the second HDD 113b can be replaced by other storage devices such as SSD.

The external communication interface 114 is connected to the external network 410 and transmits/receives data to/from the host 300 or the like. Further, the external communication interface 114 can send and receive a personal identification number, transaction information, etc. to the host 300.

The display 120a is connected to the display processing unit 115. The display 120a constitutes the customer operation unit 120 together with the touch panel 120b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 120a under the control of the processor 111.

A touch panel 120b is connected to the touch panel processing unit 116. The touch panel 120b is formed on the upper layer of the display 120a. The touch panel processing unit 116 detects the position on the screen where the customer's finger touches or approaches the touch panel 120b, and notifies the processor 111 of the position.

The card/receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, the banknote processing unit 160a, the ten-key processing unit 170a, the interpersonal sensor control unit 175a, and the camera processing unit 190a are connected to the I/O control unit 117. .. Under the control of the processor 111, the I/O control unit 117 notifies each unit to be connected of an instruction from the processor 111 and sends the information acquired from each unit to the processor 111 via the bus 118.

The card/receipt processing unit 130a is provided in the card/receipt unit 130, and controls the loading and discharging of cards and the discharging of receipts. Further, the card/receipt processing unit 130a reads the magnetically recorded information (account number etc.) attached to the taken-in card. The card/receipt processing unit 130a also has a function of performing printing and the like, and can print characters and graphics. The card/receipt processing unit 130a is capable of discharging not only cards but also detailed slips (receipts) on which transaction details are printed. The card/receipt processing unit 130a also has a function of detecting and storing a forgotten card. The card/receipt processing unit 130a also has a function of capturing an image of an inserted card and acquiring image data.

The passbook processing unit 140a is provided in the passbook processing unit 140, and controls loading and discharging of the passbook. Further, the passbook processing unit 140a reads magnetically recorded information (account number etc.) attached to the taken passbook. The passbook processing unit 140a also has a function of printing on the passbook, and can record the passbook. The passbook processing unit 140a also has a function of detecting and storing a forgotten passbook. The passbook processing unit 140a also has a function of capturing an image of the inserted passbook or slip and acquiring image data.

The coin processing unit 150a is provided in the coin processing unit 150, and controls the deposit/withdrawal of coins and the opening/closing of the door according to the instruction of the processor 111. The coin processing unit 150a also has a function of detecting and storing a forgotten coin.

The banknote processing unit 160a is provided in the banknote processing unit 160, and controls the deposit/withdrawal of banknotes and the opening/closing of the door in accordance with instructions from the processor 111. The bill processing unit 160a has a function of reading the bill type and serial number. The banknote processing unit 160a reads the serial numbers of the banknotes that were taken in and out at the time of depositing/withdrawing, and outputs them to the processor 111. The banknote processing unit 160a also has a function of detecting a banknote that has been forgotten and storing it. Details of the bill processing unit 160a will be described later with reference to FIG.

The card/receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a each have a function of storing the medium that the customer forgets to take. In addition, the card/receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a have one or more areas for storing the forgotten medium.

The ten-key processing unit 170a is provided in the ten-key input unit 170 and outputs information on the button pressed by the customer. The information on the button pressed by the customer may include a personal identification number, information used in financial transactions, and the like. The interpersonal sensor control unit 175a controls an interpersonal sensor that detects the approach of a person, and detects that the customer approaches the ATM100. Illustration of the interpersonal sensor is omitted.

The portable recording medium 180 is, for example, a recording medium such as a DVD or a CD. The portable recording medium 180 can store transaction history information and the like.
The camera processing unit 190a is provided in the camera unit 190 and captures image data by photographing the lens direction of the camera unit 190. The camera processing unit 190a captures an image according to an instruction from the processor 111. The processor 111 issues a shooting instruction to the camera processing unit 190a when detecting reception of an operation from a customer through the touch panel 120b or when detecting reception of a card through the card/receipt processing unit 130a. It is possible to photograph a customer who operates the ATM 100.

With the above hardware configuration, the processing function of this embodiment can be realized. The above configuration is an example, and the combination of the constituent parts of the ATM 100 can be appropriately determined. Of the above configurations, unnecessary ones may be deleted, and, for example, a biometric authentication unit using a palm vein or a finger vein, a non-contact IC unit corresponding to a non-contact IC (Integrated Circuit), or the like may be added. .. The automated teller machine 10 of the first embodiment can also be realized with the same configuration as the ATM 100.

Next, an example of the configuration of the banknote processing unit of the second embodiment will be described with reference to FIG. FIG. 5: is a figure which shows an example of a structure of the banknote processing unit of 2nd Embodiment.
The banknote processing unit 160a includes a banknote input/output section 161, a simulated banknote storage section 162, a printing section 163, a forgotten banknote storage section 165, and a banknote reading sensor 166. Further, the bill processing unit 160a includes a simulated bill transport path 164, a bill transport path 167, and rollers 168a, 168b, 168c, 168d, 168e, 168f, 168g. Note that FIG. 5 illustrates a case where there is a banknote (forgotten banknote) that the customer using the ATM 100 has forgotten.

The banknote inlet/outlet portion 161 includes a banknote inlet/outlet shutter 169 and serves as an inlet/outlet port for banknotes discharged from the ATM 100 and banknotes inserted into the ATM 100. The banknote input/output unit 161 includes a residual banknote detection sensor, and has a function of notifying the processor 111 of whether or not banknotes remain (presence or absence of forgotten banknotes). The remaining banknote detection sensor is not shown. When dispensing a bill from the ATM 100, the customer opens the bill inlet/outlet shutter 169 to check the bill present in the bill deposit/withdrawal section 161, and takes out the bill. The bill processing unit 160a detects the discharge of bills and closes the bill inlet/outlet shutter 169. When the banknote handling unit 160a does not detect the ejection of the banknotes in the state where the banknote inlet/outlet shutter 169 is opened for a predetermined time (when the banknotes are present in the banknote in/out section 161, a forgotten banknote occurs in the banknote handling unit 160a. It is detected as an item, and the banknote doorway shutter 169 is closed.

The simulated banknote storage unit 162 is a storage unit that stores simulated banknotes. The simulated bill is a paper having a shape substantially similar to a bill (for example, a 10,000-yen bill or a 1,000-yen bill). The simulated bill is a paper used for checking the conveyance of bills in the ATM 100. Upon receiving an instruction from the processor 111, the simulated bill storage unit 162 conveys the simulated bills stored in the simulated bill storage unit 162 one by one to the simulated bill conveyance path 164.

The printing unit 163 has a function of receiving a print instruction from the processor 111 and printing the transaction information in which the forgotten banknote has occurred on the simulated banknote. The printing unit 163 also has a function of notifying the processor 111 that printing has been completed. The simulated banknotes (printed simulated banknotes) on which the transaction information is printed by the printing unit 163 are stored in the forgotten banknote storage unit 165. The printing unit 163 may be provided independently of the simulated bill storage unit 162, may be provided inside the simulated bill storage unit 162, or may be provided in connection with the simulated bill storage unit 162.

The forgotten banknote storage unit 165 is a storage unit for storing banknotes (forgotten banknotes) existing in the banknote input/output unit 161 in a state of being forgotten. The forgotten banknote storage unit 165 stores not only the forgotten banknotes but also the simulated printing banknotes.

The forgotten banknote storage unit 165 stores the forgotten banknotes and the printing imitation banknotes in a stack when the banknotes have been forgotten a plurality of times. For example, when the first (first) forgetting banknote occurs, the first forgetting banknote (first forgetting banknote) is stored in the lowermost portion of the forgetting banknote storage unit 165. A print imitation bill (first print imitation bill) corresponding to the financial transaction in which the first forgotten occurrence occurs is accumulated on the first forgotten bill. Next, when the second forgetting banknote occurs, the second forgetting banknote (the second forgetting banknote) is stored on the first printed imitation banknote, and the second imprinted banknote ( The second simulated print banknote) is accumulated. In this way, in the forget-me-not banknote storage portion 165, the first forget-me-not banknotes, the first print imitation banknotes, the second forget-meeting banknotes, and the second print imitation banknotes are stacked in order from the bottom layer. Be stored. The same applies to the case of forgetting to remove the third time or later.

The bill reading sensor 166 has a function of detecting the type of bill (10,000-yen bill, 5,000-yen bill, 1,000-yen bill, etc.) and the number of bills, and reading the bill number. The bill reading sensor 166 has a function of notifying the processor 111 of the read information (the type of bill, the number of bills, and the bill number). The banknote reading sensor 166 may be provided independently of the banknote in/out section 161, may be provided inside the banknote in/out section 161, or may be connected to the banknote in/out section 161.

The rollers 168a, 168b, 168c, 168d, 168e are used to convey the bill in the bill conveying path 167. The rollers 168e, 168f, 168g are used to convey the simulated bill and the printed simulated bill in the simulated bill transport path 164. Further, the arrows of the rollers 168a, 168b, 168c, 168d, 168e, 168f, 168g indicate the rotation directions in the case of conveying the forget-me-not banknotes and the printing simulated banknotes to the forget-me-not banknote storage portion 165.

The rollers 168a and 168b rotate in response to the instruction from the processor 111, and convey the forgotten banknotes to the banknote reading sensor 166 from the banknote input/output section 161. In addition, the rollers 168b, 168c, 168d, 168e rotate in response to an instruction from the processor 111, and convey the forget-me-not notes read by the note-reading sensor 166 to the forget-meet bill storage portion 165.

The roller 168f rotates in response to the instruction from the processor 111, and conveys the simulated bill from the simulated bill storage unit 162 to the printing unit 163. The simulated banknote conveyed to the printing unit 163 is printed by the printing unit 163 and becomes a printed simulated banknote. The rollers 168e and 168g rotate in response to the instruction from the processor 111, and convey the printing imitation banknote to the forgetfulness banknote storage unit 165.

In this way, the banknote handling unit 160a reads the type, number, and banknote number of the forgotten banknote banknotes and stores them in the forgotten banknote banknote storage unit 165. Further, the banknote processing unit 160a receives an instruction from the processor 111 when a forgetted note is generated, prints the information of the transaction in which the forgetted note is generated on the simulated bill by the printing unit 163, and prints the simulated bill (printed). The simulated bill) is stored in the forgetful bill storage unit 165. As described above, the banknote processing unit 160a stores the simulated print paper money after storing the printed pseudo paper money, and thus can store the printed simulated paper money on which the information of the financial transaction in which the captured paper currency has been generated is printed. ..

Next, the printing imitation banknote of the second embodiment will be described with reference to FIG. FIG. 6 is a diagram showing an example of the simulated printing paper money of the second embodiment (No. 1).
The printed simulated banknote 600 is a simulated banknote printed with transaction information when the customer withdraws and forgets to collect 50,000 yen in cash from the ATM 100.

The print imitation bill 600 includes a transaction date, a transaction time, an account number, a transaction type, a transaction success/failure, a medium to be used, a banknote type/number, a banknote banknote number, a banknote other than banknote, a card image, a passbook image, and a camera image. Is printed on a simulated bill. Note that the information printed on the simulated bill is an example, and any combination of these may be included, or other information (bank branch number, ATM100 device number, etc.) may be included.

The transaction date column prints the date on which the customer made a transaction on the ATM 100. In the transaction time column, the time when the customer makes a transaction on the ATM 100 is printed. The account number column prints the account number of the account that the customer withdraws. The type of transaction (withdrawal, deposit, transfer, etc.) is printed in the transaction type column.

Information indicating the success or failure of the transaction is printed in the transaction success or failure column. For example, in the transaction success/failure column, the word “established” is printed when the transaction is established, and the word “not established” is printed when the transaction is not established.

The medium used column prints the medium used by the customer to conduct the transaction. For example, when a customer makes a withdrawal transaction using a card, the word "card" is printed. Further, when the customer makes a withdrawal transaction using a card and a passbook, the wording "card/passbook" is printed.

The type and the number of the forgotten banknotes are printed in the banknote type/number field. For example, in the column of banknote type/number of coins, if five 10,000-yen bills are forgotten, the word “10,000-yen bills/5 coins” is printed.

The banknote number of the forgot banknote is printed in the Forgot banknote number column. When the number of the forgotten banknotes is large and the printing area is insufficient, it is possible to print the first three banknotes and the last three banknotes of the banknotes whose numbers are read as the forgot banknotes.

Information indicating whether or not there is a medium other than a bill that has been forgotten is printed in the forget-me-not column other than the bill. For example, in the column of forgetting notes other than banknotes, the word “none” is printed when there is no medium other than banknotes that has been forgotten. Further, in the column of forgetting notes other than banknotes, when there is a medium other than the banknote that has been forgotten, the word of the name of the medium (“card”, “passbook”, “transfer slip”, etc.) is printed.

The image of the card used in the transaction is printed in the card image column. If the card is not used in the transaction, the phrase "no card used" is printed. The image of the passbook used in the transaction is printed in the passbook image field. When the passbook is not used in the transaction, the phrase "no passbook used" is printed. The camera image field prints an image of a customer who has made a transaction using the ATM 100 and is captured by the camera unit 190.

As described above, the printing imitation bill 600 is printed with the information related to the transaction in which the forgotten bill is generated. Further, since the banknote number of the forget-me-not banknote is printed on the print imitation banknote 600, the clerk can distinguish the note-taken banknote for each financial transaction from the banknotes stored in the banknote-deleted banknote storage unit 165. Become.

By storing the printing imitation bill 600 and the forget-me-not bill in the forget-me-not bill storage unit 165, the clerk of the financial institution can hold the customer's medium or the appearance of the customer when returning the not-taken bill to the customer. Can be confirmed in the image. In other words, the staff of the financial institution can confirm the identity of the customer who has forgotten to be removed by using the two types of images, which are the image of the medium used by the customer and the image of the appearance of the customer. And time can be shortened.

In addition, the clerk of the financial institution checks the banknote type and banknote number printed on the printed simulated banknote 600 against the banknote type and banknote number of the forgotten banknote to check only the banknote to be returned from the banknote banknote storage unit 165. It becomes possible to acquire. Therefore, it becomes possible for the staff of the financial institution to reduce the false return of the banknotes when the banknotes are returned to the customer.

Next, the print imitation banknote of the second embodiment will be described with reference to FIG. 7. FIG. 7: is a figure which shows an example of the printing imitation banknote of 2nd Embodiment (the 2).
The print imitation banknote 610 was printed by the customer in a state where the customer makes a transfer transaction of 10,000 yen in cash using the transfer slip, but forgets to return the 10,000 yen of cash returned to the ATM 100 due to the failure of the transfer transaction. It shows a simulated bill.

The printing imitation banknote 610 includes a transaction date, transaction time, transfer account number, transaction type, transaction success/failure, medium used, banknote type/number, banknote banknote number, banknotes other than banknote, card image, camera image, The bill image is printed on a simulated bill. Note that the information printed on the simulated bill is an example, and any combination of these may be included, or other information (bank branch number, ATM100 device number, etc.) may be included.

In the description of the print imitation bill 610, the same contents as those of the print imitation bill 600 will be appropriately omitted.
The account number of the transfer destination when the transfer is performed using the transfer slip is printed in the transfer account number field. An image of the transfer slip used in the transfer transaction is printed in the slip image field. It should be noted that the transfer slip is only an example, and may be slips or forms for other financial transactions, or documents used for the transactions.

Conventionally, in ATM 100, when a transfer transaction is not established and cash is returned, the customer does not consider the transfer transaction to be unsuccessful (think of the transfer transaction being successful) and forgets the returned banknote without noticing it. There were many Further, conventionally, it has been difficult for a clerk of a financial institution to understand the cause of occurrence of a forgotten banknote bill only by checking the contents of the forgotten banknote bill storage portion 165.

As described with reference to FIG. 7, the imitation banknote 610 is printed to indicate that the transaction has not been completed and the banknote has been forgotten. By confirming the information printed on the simulated printing paper money 610 stored in the storage portion 165, it is possible to understand the cause of the occurrence of the forget-to-take paper money. As a result, the staff at the financial institution can promptly perform the procedure for returning the forgotten banknotes to the customer.

Next, the untaken banknote bill storing process of the second embodiment will be described with reference to FIGS. 8 and 9. FIG. 8: is a figure which shows an example of the flowchart of the forgetting banknote storage process of 2nd Embodiment (the 1). FIG. 9: is a figure which shows an example of the flowchart of the forgetting banknote storage process of 2nd Embodiment (the 2).

The forgotten banknote storing process is a process for storing the forgotten banknote and the simulated printing banknote when the ATM 100 accepts a transaction from the customer and the customer forgets to take the banknote. The control unit 110 (processor 111) of the ATM 100 detects a customer (user of the ATM 100) via the interpersonal sensor control unit 175a, and starts the banknote-for-taken banknote storing process.

[Step S11] The control unit 110 displays the initial screen on the display 120a. The initial screen is a screen for accepting selection of a transaction (withdrawal transaction, deposit transaction, transfer transaction, change of personal identification number, etc.) from a customer.

[Step S12] The control unit 110 detects pressing of a transaction selection button via the touch panel 120b and accepts the transaction selection. Here, it is assumed that the control unit 110 detects the pressing of the button for selecting the withdrawal transaction and accepts the withdrawal transaction.

In the following description, the description will be made on the assumption that a withdrawal transaction is performed, but the present invention is also applicable to the occurrence of a forgot banknote in another transaction such as a transfer transaction.
[Step S13] The control unit 110 receives a medium and acquires image data of the medium. For example, when the medium to be received is a card, the control unit 110 receives the card via the card/receipt processing unit 130a and acquires the image data of the card.

If the medium to be accepted is a passbook or a slip, the control unit 110 accepts the passbook or the slip via the passbook processing unit 140a and acquires the image data of the passbook or the slip.
[Step S14] The control unit 110 notifies the camera unit 190 of a shooting instruction via the camera processing unit 190a and acquires image data of the customer.

[Step S15] The control unit 110 displays a password input instruction screen on the display 120a, and accepts a password (personal identification number) via the touch panel 120b or the ten-key processing unit 170a.

[Step S16] The control unit 110 displays the withdrawal amount input instruction screen on the display 120a in response to the withdrawal transaction selected in step S12, and displays the withdrawal amount via the touch panel 120b or the ten-key processing unit 170a. Accept.

When accepting the selection of the transfer transaction in step S12, the control unit 110 displays the transfer procedure input instruction screen on the display 120a and accepts the input of information necessary for the transfer via the touch panel 120b.

[Step S17] The control unit 110 transmits a transaction request to the host 300. The control unit 110 also sends the withdrawal transaction request to the host 300 along with the withdrawal transaction request in response to the withdrawal transaction selected in step S12.

When accepting the selection of the transfer transaction in step S12, the control unit 110 transmits the information necessary for the transfer procedure together with the transfer transaction request to the host 300. Further, the host 300 performs authentication of the password, collation of account information, and the like based on the information received from the control unit 110 to determine whether or not the transaction is permitted, but the description of the process in the host 300 is omitted.

[Step S18] The control unit 110 receives a transaction response from the host 300. Here, it is assumed that the control unit 110 receives a transaction response indicating that the withdrawal transaction is permitted from the host 300.

[Step S19] The control unit 110 ejects cash and the received medium. Specifically, the control unit 110 ejects the amount of cash dispensed via the banknote processing unit 160a, and ejects the medium (card) accepted in step S13 via the card/receipt processing unit 130a.

[Step S20] The control unit 110 determines whether or not there is a bill left uncollected. Specifically, the control unit 110 receives a notification of the result of detecting whether there is a remaining banknote (forgotten banknote) from the banknote processing unit 160a, and determines whether or not the banknote is forgotten. The control unit 110 proceeds to step S21 if the banknote is left uncollected, and proceeds to step S24 if the banknote is left uncollected.

[Step S21] The control unit 110 notifies the banknote processing unit 160a of an instruction to convey a forgotten banknote. The banknote processing unit 160a receives the notification from the control unit 110 and conveys the forgotten banknote to the banknote reading sensor 166.

[Step S22] The control unit 110 acquires the type, number, and banknote number of the forgotten banknotes from the banknote processing unit 160a. The banknote reading sensor 166 in the banknote processing unit 160a reads the type, number, and banknote number of the forgotten banknotes, and notifies the control unit 110 of the read information. Further, the banknote handling unit 160a conveys the forgotten banknotes read by the banknote reading sensor 166 and stores them in the forgotten banknote storage unit 165.

[Step S23] The control unit 110 notifies the banknote processing unit 160a of an instruction to convey the simulated banknote and to create a printed simulated banknote. Further, the control unit 110 also notifies the information to be printed (transaction information, type of neglected banknotes, number of banknotes, banknote number, image data of customer or medium) together with the instruction to create the simulated printing banknote. The transaction information to be printed is information including transaction date, transaction time, account number, transaction type (withdrawal, deposit, transfer, etc.), success or failure of the transaction (establishment, failure), etc. These are merely examples of transaction information, and may be a combination of other information.

The banknote processing unit 160a receives a notification from the control unit 110, carries out one simulated banknote from the simulated banknote storage unit 162, prints the information notified by the printing unit 163, and generates printed simulated banknotes 600 and 610. Further, the banknote processing unit 160a conveys the generated print imitation banknotes 600 and 610 and stores them in the forget-me-not banknote storage section 165.

[Step S24] The control unit 110 deletes the image data of the customer and the medium.
[Step S25] The control unit 110 records the information on the financial transaction performed by the customer and the information on the forgotten banknote as transaction history information in the storage unit such as the first HDD 113a and the second HDD 113b, and transmits the transaction history information to the host 300. , The process ends.

In this way, the ATM 100 can generate the printing imitation banknotes 600 and 610 and store the forgotten banknotes and the printing imitation banknotes 600 and 610 in the forgotten banknote storage unit 165.
Thereby, the clerk can confirm the print contents of the simulated print bills 600 and 610 stored together with the forget-taken bills when confirming the contents of the forget-taken bill storage portion 165 in order to return the forget-taken bills. , Transaction information, customer's appearance, and appearance of used media can be checked together. If the clerk determines that the print contents of the simulated printing paper money bills 600 and 610, the customer's identity confirmation contents, the hearing contents from the customer, and the contents of the forgotten banknote bill storage unit 165 are consistent, the confirmation of the journal is omitted. In some cases, it may be possible to return the bill to the customer.

As described above, the ATM 100 prints the information about forgetting to forget on the printed simulated bills 600 and 610 and stores the information together with the forget-to-take bills, so that it is possible to reduce the work of confirming the forgotten bills.

The processing functions described above can be realized by a computer. In that case, a program describing the processing contents of the functions that the automatic transaction device 10, the ATM 100, and the host 300 should have is provided. By executing the program on a computer, the above processing functions are realized on the computer. The program describing the processing content can be recorded in a computer-readable recording medium. Computer-readable recording media include magnetic storage devices, optical disks, magneto-optical recording media, semiconductor memories, and the like. The magnetic storage device includes a hard disk device (HDD), a flexible disk (FD), a magnetic tape, and the like. The optical disc includes a DVD, a DVD-RAM, a CD-ROM (Compact Disc Read Only Memory)/RW (ReWritable), and the like. The magneto-optical recording medium includes MO and the like.

In order to put the program into the market, for example, a portable recording medium such as a DVD or a CD-ROM in which the program is recorded is sold. It is also possible to store the program in the storage device of the server computer and transfer the program from the server computer to another computer via the network.

The computer that executes the program stores, for example, the program recorded in the portable recording medium or the program transferred from the server computer in its own storage device. The computer reads the program from its own storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing according to the program. Further, the computer can also sequentially execute processing according to the received program every time the program is transferred from the server computer connected via the network.

Further, at least a part of the above processing functions can be realized by an electronic circuit such as DSP, ASIC, PLD.

DESCRIPTION OF SYMBOLS 10 Automatic transaction device 11 Control part 12 Display acceptance part 13 Photographing part 14 Medium processing part 15 Banknote processing part 20 Simulated banknote storage part 21 Printing part 22 Banknote input/output part 23 Taken banknote storage part 30 Simulated banknote 31 Printed simulated banknote 32 Deleted banknote bill

Claims (6)

A display receiving unit that displays a screen for selecting a financial transaction and receives a selection of the financial transaction from a customer,
A medium processing unit that receives a medium from the customer, reads information from the medium, photographs the medium, and acquires medium image data that is image data of the medium,
Performing the financial transaction based on the information read from the medium, if there is a banknote banknote that is a banknote that the customer forgets to banknote, the type of the banknote banknote, the number of banknotes, the banknote number, and the medium image data. A control unit that prints on a simulated banknote and notifies the banknote processing unit of an instruction to store the printed simulated banknote that is the printed simulated banknote and the forgotten banknote.
An automatic transaction device equipped with. The medium includes at least one of a card, a passbook, and a slip of the financial transaction,
The automatic transaction device according to claim 1. The automatic transaction device,
A photographing unit for photographing the customer and acquiring customer image data which is image data of the customer;
The control unit is
Notifying the bill processing unit of an instruction to print the customer image data on the simulated bill,
The automatic transaction device according to claim 1. The control unit is
The date when the financial transaction is performed, the time when the financial transaction is performed, the transaction type of the financial transaction, and an instruction to print information on whether the financial transaction is successful or not to be printed on the simulated banknote to the banknote processing unit. ,
The automatic transaction device according to claim 1. The bill processing unit,
Detecting the presence of the forgotten banknotes, a type and number of the forgotten banknotes, and a banknote input/output unit for acquiring a banknote number,
A simulated bill storage unit for storing the simulated bill,
A printing unit that prints on the simulated bill and generates the printed simulated bill;
A forgotten banknote banknote storage unit for storing the forgotten banknote banknotes and the printing imitation banknotes;
The automatic transaction device according to claim 1. A control method in an automatic transaction device comprising a display reception unit, a medium processing unit, a bill processing unit, and a control unit,
The display reception unit displays a screen for selecting a financial transaction, receives the selection of the financial transaction from a customer,
The medium processing unit receives a medium from the customer, reads information from the medium, photographs the medium, acquires medium image data that is image data of the medium,
The control unit performs the financial transaction based on the information read from the medium, and if there is a banknote banknote that is a banknote that the customer forgets to banknote, the banknote type, the number of banknotes, and the banknote number and the banknote number. The medium image data is printed on a simulated bill, and the bill processing unit is notified of an instruction to store the printed simulated bill that is the printed simulated bill and the forgotten bill.
Control method.

Images