JPH0729043A - Automatic exchange device - Google Patents

Abstract

PURPOSE:To provide an automatic exchange device which can specify a user executing an illegal exchange processing and which can prevent illegal enlargement for illegal use and subsequent illegal use. CONSTITUTION:A card reader unit 11 reads card information of the user from a cash card. CPU 21 discriminates whether the cash card is appropriate or not by card information. A money receiving unit 12 receives exchange money and discriminates the counterfait. The user designates an exchange content by the operation of a service unit 14. When CPU 21 discriminates the cash card to be accurate and discriminates money to be accurate, it calculates the number of small money by denominations based on the designated exchange content. An exchange paying unit 13 executes an exchange paying operation based on calculated number information by the denomination, and discharges the prescribed number of the small money of the designated denomination. CPU 21 causes card information, the content of exchange dealings and date information to correspond one another, and records them in an information recording part 18.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic exchange of a single denomination or a plurality of denominations of money into a smaller denomination of a single denomination or a plurality of denominations in a financial institution such as a bank. It relates to a money changer.

[0002]

2. Description of the Related Art For example, in a financial institution such as a bank that handles a large amount of various kinds of money, a single denomination or a plurality of denominations (especially high-value money) is exchanged for a plurality of denominations of small money. There is a business to hand over to customers. It would be very troublesome and inefficient if the bank staff had to carry out such money exchange operations each time.

Therefore, recently, an automatic money changer has been developed which automatically performs such a money change operation on behalf of a bank employee.
It has been put to practical use. This type of automatic money changing device is used, for example, after inserting high-value banknotes of a single denomination or a plurality of denominations, such as 10,000-yen bills, 5,000-yen bills, and 1,000-yen bills, which are desired to be exchanged, into the operation unit. You want to exchange money by operating the 1000 yen bill, 500
By designating the denomination, the number, or the amount of small coins such as yen coins, 100-yen coins, and 10-yen coins, currency exchange is automatically performed.

[0004]

However, in the conventional automatic exchange device of this type, the authenticity of the received exchange currency is determined, and when it is determined that the currency is correct, it is converted into the designated small amount of money. It is designed to exchange money.

As described above, since the currency exchange process is conventionally performed only by determining the authenticity of the currency exchange currency without recording the user's whereabouts inside the apparatus, the rapid progress of the printing technology in recent years has led to the currency exchange process. Since there is a limit in authenticity determination, a perfect check cannot always be performed, and there is a problem in that a false note is erroneously determined as a genuine note and a currency exchange process is performed. This is problematic in that it is not possible to record the whereabouts of a person who has used the automatic money changer, so that illegal use can be freely tried.

SUMMARY OF THE INVENTION It is therefore an object of the present invention to provide an automatic money changer capable of identifying a user who has a problem with currency exchange processing and preventing fraudulent expansion against illegal use and subsequent illegal use.

[0007]

The automatic money changer of the present invention accepts a transaction medium in which at least information for identifying the user presented by the user is recorded, and the transaction medium is recorded in the accepted transaction medium. A reading means for reading information, a genuine / counterfeit determining means for accepting the currency that the user desires to exchange and determining the authenticity of the accepted currency, and a change content designating means for designating the exchange content desired by the user. And the information for identifying the user is read by the reading means,
Further, when the authenticity determination means determines that the currency is correct, the accepted currency is exchanged into a smaller amount of money in accordance with the content specified by the exchange content specification means and paid to the user. The system includes a currency exchanging means for issuing and a recording means for recording the information for identifying the user read by the reading means and the designated exchange content, respectively.

Further, the automatic money changer of the present invention accepts a transaction medium in which at least the information for identifying the user presented by the user is recorded, and the information recorded therein is read from the accepted transaction medium. Means, first discriminating means for discriminating that the information read by the reading means is information for identifying a user, and accepting currency that the user desires to exchange, and authenticity of the accepted currency Second discriminating means for discriminating, exchange content designating means for designating the exchange content desired by the user, and the read information is discriminated by the first discriminating means as information for identifying the user, and
When the second discriminating means discriminates that the currency is correct, the accepted currency is exchanged into a smaller amount of money in accordance with the contents designated by the exchange contents designating means and is paid out to the user. It comprises a currency exchange unit and a recording unit for recording the information read by the reading unit and the designated exchange content in association with each other.

Further, the automatic money changer of the present invention receives a transaction medium in which at least information for identifying the user presented by the user is recorded, and the information recorded therein is read from the accepted transaction medium. Means, first discriminating means for discriminating that the information read by the reading means is information for identifying a user, and accepting currency that the user desires to exchange, and authenticity of the accepted currency Authenticity determining means for making a determination, exchange content designating means for designating the exchange content desired by the user, and the read information determined by the first determining means to be information for identifying the user, and
When the second discriminating means discriminates that the currency is correct, the accepted currency is exchanged into a smaller amount of money in accordance with the contents designated by the exchange contents designating means and is paid out to the user. A currency exchange unit, an image capturing unit that captures at least the face image of the user, and information read by the reading unit,
It is provided with the designated exchange content and a recording unit that records the image captured by the image capturing unit in association with each other.

[0010]

According to the present invention, the history of the user is recorded in the machine every time the machine is used in a state in which the burden on the user is reduced so as not to disturb the social order. Even with unmanned corners in operation,
It is possible to identify a user who has a problem of exchange processing, and to prevent fraud expansion against fraudulent use and subsequent fraudulent use.

Further, according to the present invention, at least the face image of the user is also recorded at the same time, so that the user having the defective exchange processing can be more surely identified, and the fraud expansion against illegal use can be prevented. It is possible to more reliably prevent subsequent unauthorized use.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 2 shows the appearance of the automatic money changer installed at the unmanned corner of the bank according to this embodiment. In the figure, a substantially L-shaped customer service operating portion 2 is formed on the front surface of a housing 1. On the horizontal surface of the customer service operating unit 2, a plurality of banknotes to be exchanged can be put in a batch, and the banknotes 3 having an openable / closable lid for collectively receiving the banknotes exchanged and released, coins to be exchanged. A coin port 4 is provided which can receive a plurality of coins that have been exchanged and are discharged all together.

A color display section 5 having a transparent touch sensor panel on the display surface is provided on the horizontal surface of the customer service operating section 2. The display unit 5 displays operation procedures and other information on the screen by characters, wording, illustrations or image information, guides the user, and touches corresponding to the display of numbers, katakana, alphabets, confirmation and cancellation characters. By touching a part of the sensor panel with a finger, desired information can be input. For example, a color liquid crystal display device or a color CRT display device is used.

On the other hand, on the vertical surface of the customer service operating section 2, there is provided a card slot 6 for accepting a card as a transaction medium in which at least information for identifying a user is recorded and for ejecting the accepted card. There is. The transaction medium may be, for example, a magnetic card or an I-card such as a bank ID card or an ID card for the distribution industry in which information that allows the user's location to be easily recorded is recorded by magnetism, characters, bar codes, or the like.
C card etc. can be considered. In this embodiment, for example, a bank ID card which is a magnetic card on which a bank name, a branch name, an account number, etc. are magnetically recorded, that is, a so-called cash card is used.

A television camera 7 as an image pickup means is provided on the vertical surface of the customer service operating section 2. The television camera 7 captures at least a face image of a user who operates the apparatus. For example, an image pickup lens, a shutter mechanism operated by input of a shutter-on signal described later, and an image obtained through the image pickup lens are converted into electrical signals. This is a so-called electronic television camera that includes an image sensor such as an area sensor for conversion, a processing circuit that digitizes an output signal of the image sensor, and transmits the image signal to the outside as image information.

The installation location of the TV camera 7 is provided on the vertical surface of the customer service operating section 2 in the present embodiment, but it may be provided outside the apparatus and at least the face of the user who operates the apparatus. If the whole position is within the camera angle,
Anywhere

A foreign matter return port 8 for returning foreign matter other than cash when a foreign matter other than cash is thrown in from the bill slot 3 or the coin slot 4 and a user sensor 9 are provided in the lower front portion of the housing 1. Has been. The user sensor 9 detects that the user is not located in front of the present apparatus for several seconds and turns off the display screen of the display unit 5. When the user approaches, the user sensor 9 detects it and displays the display unit 5. The display screen is designed to light up.

FIG. 1 shows the structure of the above-mentioned automatic money changer, which includes a card reader unit 11 and a deposit unit 1.
2, cash withdrawal unit 13, customer service unit 14, voice guidance unit 15, camera interface 16, internal monitor 17, information recording unit 18, RAM (random access memory) 19, ROM (read only memory) 2
0, a CPU (central processing unit) 21 as a main control unit, and the like.

The card reader unit 11 has a card slot 6
The magnetic information is read from the magnetic stripe of the cash card received from, and when the exchange transaction is completed, the cash card is ejected from the card slot 6.

The depositing unit 12 accepts the exchanged bills inserted into the bill slot 3 one by one, discriminates the authenticity, counts them, and stores them in the deposit box. The currency withdrawal unit 13
The number of bills and coins calculated for each denomination according to the exchange denomination designated by the user are taken out from the deposit box, and the bills 3 and 4 are collectively paid out.

The customer service unit 14 comprises the display section 5 and the like. The voice guidance unit 15 provides guidance to guide the user's operation by voice through a speaker (not shown).

The television interface 7 is connected to the camera interface 16. The internal monitor 17 notifies a person in charge of operating the apparatus of the state of the apparatus, and inputs an operation instruction by the person in charge.

The information recording unit 18 stores user information, for example, information read from a cash card (bank name, branch name, account number, etc.), contents of currency exchange transaction, date information (year, month, day, time), and The face image of the user captured by the television camera 7 is associated with each other and recorded for each exchange transaction. For example, a semiconductor memory device, a magnetic disk device, a rewritable optical disk device, or a magnetic tape device is used. To be

The image of the user captured by the television camera 7 does not necessarily have to be recorded for each exchange transaction.
It should be recorded at least only when there is a possibility of unauthorized use.

The RAM 19 is mainly used as a working memory of the CPU 21, and temporarily stores various information. The ROM 20 is mainly used as a program memory of the CPU 21, and stores a processing procedure program of the CPU 21 and the like.

The CPU 21 controls each of the units 11 to 18 while referring to the program information in the ROM 20 to perform the processing operation of the exchange transaction. CPU
21 is connected to a remote monitor 22 if necessary,
Can be monitored from a distance. Remote monitor 22
Is controlled by the CPU 21, displays substantially the same information as the internal monitor 17, and when an abnormality occurs in this device, it also notifies by using a sounding means such as a buzzer.

Next, the operation of the above arrangement will be described with reference to the flow charts shown in FIGS. First, a user who wishes to exchange money inserts his or her cash card into the card slot 6 according to the guidance on the display unit 5 (S1), and then the card reader unit 11
Accepts the cash card and reads card information such as bank name, branch name, and account number from the magnetic stripe (S2).

The read card information is temporarily stored in the RAM 19 under the control of the CPU 21. And C
The PU 21 uses the card information stored in the RAM 19 to
It is determined whether the card information is information that can identify the user. That is, for example, by checking the format of the card information, it is determined whether or not the card is a cash card (S3). If the card is a cash card, then the bank name, branch name, account number, etc. in the card information are checked. By doing so, it is determined whether or not the cash card is suitable (S4).

In step S3, for example, a blank card without a magnetic stripe, a card in which no information is recorded, a card in which information is recorded but is special information, and the card is not a cash card, or In S4, a bank name, a branch name, or the like that does not exist is recorded, and if the cash card is not a suitable cash card, the CPU 21 gives a card return command to the card reader unit 11 to make the accepted cash card a card. Discharge to mouth 6 (S5), and end the transaction.

If the cash card is suitable in step S4, the CPU 21 guides the display unit 5 to insert coins (banknotes, coins) to be exchanged. According to this guide, the user inserts the currency to be exchanged, for example, a predetermined number of high-value bills (10,000 yen bills) into the bill slot 3 (S
6). Then, under the control of the CPU 21, the deposit unit 12 accepts each one of the exchanged banknotes inserted into the banknote slot 3 and makes a genuine / counterfeit determination (S7, S8).

As a result of the genuine / counterfeit discrimination, if the bill is a fake bill, the CP
The U21 gives a bill return instruction to the deposit unit 12 and gives a card return instruction to the card reader unit 11, thereby ejecting the accepted bill into the bill slot 3 and inserting the accepted cash card into the card slot. 6 is discharged (S9), and the transaction ends.

As a result of the authenticity determination, if the bill is genuine, the deposit unit 12 counts the received bills and stores them in the deposit box, and the counted deposit amount is displayed under the control of the CPU 21. (S10).

At this time, the CPU 21 determines whether or not the counted deposit amount is equal to or larger than a predetermined amount (S11). If the counted deposit amount is equal to or larger than the predetermined amount, there is a possibility that the money is illegally exchanged. A shutter-on signal is sent to the television camera 7 via the. Then, the television camera 7 captures a face image of the user in front of the operation unit 2 by operating the shutter mechanism (S12), and sends it to the camera interface 16 as image information.

The camera interface 16 organizes the sent image information and sends the arranged image information to the information recording unit 18. The information recording unit 18 records the sent image information under the control of the CPU 21 (S
13).

If the amount of money is not equal to or more than the predetermined amount in step S11, the CPU 21 guides the display unit 5 to specify the details of the exchange, such as the denomination, the number (the number), or the amount of the small amount of money desired to be exchanged. Display the required operation keys for. According to this guide, the user operates the operation keys displayed on the display unit 5 to request the exchange, for example, the denomination and the number of small coins such as 1,000 yen bills, 500 yen bills, 100 yen coins, etc. The exchange contents such as the number of coins or the amount of money are designated (S14), and then the confirmation key is pressed (S15).

When the confirmation key is pressed, the CPU 21
The number of denominations of small coins is calculated based on the designated exchange contents (S16), and the calculated denomination number information is sent to the exchange withdrawal unit 13 together with the exchange withdrawal command. The money withdrawal unit 13 performs a money withdrawal operation based on the calculated number-of-money-type information to take out a predetermined number of small amounts of coins of the specified denomination from the deposit box, and the banknote slot 3 and coin slot 4.
(S17).

The CPU 21 also uses the user's card information (bank name, branch name,
Account number, etc.), the content of the exchange transaction at this time, and
The date information (year, month, day, time) is recorded in the information recording unit 18 in association with the image information (face image) of the user already recorded in the information recording unit 18 (S18). When the image information (face image) of the user is not recorded, the card information of the user, the content of the exchange transaction, and the date information are recorded in the information recording unit 18 in association with each other.

Then, the user receives the exchanged small coins from the bill slot 3 and the coin slot 4 (S19),
All exchange transactions are completed. In this way, confirm the user information using a bank cash card that records information that identifies the user's whereabouts, then perform currency exchange transactions and store the user information obtained from the cash card inside the machine. If there is a possibility of fraudulent currency exchange, by recording the face image of the user at the same time, for example, in an unmanned corner where only bank machines are operating. Even if there is, it is possible to easily and surely identify the user who performed the exchange processing having a defect, and prevent the illegal expansion and the subsequent illegal use.

In the above embodiment, the case where a cash card for a bank is used as a transaction medium has been described, but the present invention is not limited to this. For example, an ID card for the distribution industry or a credit sales company. It may be a corporate credit card or the like, and it is not limited to a magnetic card, but may be an IC card or an optical card. In short, at least the information that can easily identify the user is magnetic, characters,
Any transaction medium recorded with a bar code or the like may be used.

In the above embodiment, only when the exchange amount is equal to or more than the predetermined amount (that is, when the exchange amount is equal to or more than the predetermined amount),
Although the face image of the user is picked up and recorded, the present invention is not limited to this, and the face image of the user may be picked up and recorded each time a currency exchange transaction is performed.

[0041]

As described above in detail, according to the present invention, there is provided an automatic money changer capable of identifying a user who has a problem of currency exchange processing, and preventing unauthorized expansion of unauthorized use and subsequent unauthorized use. Can be provided.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an automatic money changer according to an embodiment of the present invention.

FIG. 2 is a perspective view showing an appearance of an automatic money changing device.

FIG. 3 is a flowchart for explaining a currency exchange processing operation.

FIG. 4 is a flowchart for explaining a currency exchange processing operation.

[Explanation of symbols]

2 ... Customer operation section, 3 ... banknote port, 4 ... coin port, 5 ...
... Display section, 6 ... Card slot, 7 ... TV camera (imaging means), 11 ... Card reader unit, 12 ... Deposit unit, 13 ... Exchange withdrawal unit, 14 ... Customer service unit, 16 ... Camera Interface, 18 ... Information recording unit, 21 ... CPU.

Claims (3)

[Claims] 1. A reading means for accepting a transaction medium in which at least information for identifying the user presented by the user is recorded, and for reading the information recorded therein from the accepted transaction medium, and the user inputs. Information for identifying the user by the reading means, which accepts the currency for which the exchange is desired and determines the authenticity of the accepted currency, the exchange content designating means for designating the exchange content desired by the user. Is read, and when it is determined by the authenticity determination means that the currency is correct, the user exchanges the accepted currency with a smaller amount of currency according to the content specified by the currency conversion content specification means. And a recording means for recording the information for identifying the user read by the reading means and the specified exchange contents in association with each other. Dynamic exchange apparatus. 2. A reading means for accepting a transaction medium in which at least information for identifying the user presented by the user is recorded, and for reading the information recorded therein from the accepted transaction medium, and a reading means for reading by the reading means. The first discriminating means for discriminating that the specified information is the information for identifying the user, and the second discriminating means for accepting the currency which the user desires to exchange and for determining the authenticity of the accepted currency. A change content designating means for designating the content of the exchange desired by the user, and the read information is determined by the first determining means to be information identifying the user, and is correct by the second determining means. When it is determined that the currency is money, the exchange means for exchanging the accepted currency into a smaller amount of money and paying it out to the user according to the content specified by the content specification means, and the reading means. Read Automatic exchange apparatus characterized by comprising a recording means for recording respectively made to correspond to distribution and the designated exchange content. 3. A reading means for accepting a transaction medium in which at least information for identifying the user presented by the user is recorded, and reading the information recorded therein from the accepted transaction medium, and a reading means for reading by the reading means. A first discriminating means for discriminating that the information specified is information for identifying the user, and a genuine / counterfeit discriminating means for accepting the currency that the user desires to exchange and for determining the authenticity of the accepted currency. A currency change content designating means for designating a currency exchange content desired by the user, and the read information is determined by the first determining means to be information identifying the user, and the correct currency is determined by the second determining means. When it is determined that the money is exchanged, the received money is exchanged into a smaller amount of money in accordance with the content specified by the content specification means, and the money is paid out to the user. face An image pickup means for picking up an image; and a recording means for recording the information read by the reading means, the designated exchange contents, and the image picked up by the image pickup means in association with each other. Automatic money changer.