JPH01320595A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To obtain an automatic transaction device which can suitably investigate the trouble cause with a customer by preparing and displaying an elapsed transaction history information based on the detection result of a transaction condition. CONSTITUTION:The customer executes the transaction in a normal procedure according to the guide of a CRT display part. The information in every step of the transaction is stored into a memory 57 together with a current time. The customer, who forgets to take paper money based on his transaction, returns to the device, and for example, he insists to a person in charge that the paper money have not been extracted from the device. When the person in charge operates a customer reception unit 16 in a prescribed way, a subcontrol part 53 reads memory contents from the memory 57, reads character information corresponding to each code from a transaction condition information memory 56, and sends them to a printer 53. The printer 52 prints out the transaction history information, and extracts a paper with the information. By looking at the paper, the insistence of the said customer is proved to be false, and the truth that the paper money has been stolen is clarified.

Description

[Detailed description of the invention] [Object of the invention] (Industrial application field) The present invention relates to an automatic transaction device used in banks and the like.

(Prior Art) In recent years, automatic transaction devices that automatically perform deposit and withdrawal transactions have been put into practical use in order to save labor at the counters of financial institutions. Furthermore, in recent years, automated transaction devices have been used not only for simple deposits and withdrawals, but also for complex transactions such as transfers and @exchange transactions.

Therefore, these automated transaction devices are not only mechanically complex, but also complex in terms of customer transaction operations, making them extremely difficult to understand.

Since these automated teller machines handle cash, there are many problems related to cash due to customer misunderstandings, operational errors, and mechanical factors of the machines, which can sometimes lead to trouble between customers and financial institutions. For example, ``Customers think they have deposited cash even though they have not, and complain that the transaction results are strange.'' ``Customers forget to take cash during withdrawal transactions.''
By chance, someone else took the money, and the customer later complained that he didn't have the money. '', ``A mechanical failure occurs during a transaction, and the cash in the device at that time does not match the amount claimed by the customer, resulting in trouble.''

In other words, in the past, in order to control the equipment, the customer's operations during transactions and the status of the equipment, that is, the transaction history, were not memorized or recorded in detail, and when a problem occurred, the previous situation was no longer known and it was difficult to find the correct cause. It was difficult to investigate.

(Problems to be Solved by the Invention) The present invention has been made in view of the above-mentioned circumstances, and can display the state transition of a transaction that has already been completed. The purpose is to provide an automatic transaction device that can

[Structure of the Invention] (Means for Solving the Problems) The present invention provides an automated transaction device that uses a transaction medium to automatically conduct transactions with a customer based on the customer's operations. A state detection means for detecting a transaction state; a history information creation means for creating transaction history information over time based on the detection results of the state detection means; and a history information creation means for creating transaction history information created by the history information creation means. and display means for displaying the information.

(for production) The operation of the apparatus having the above configuration will be explained below.

When a customer performs a transaction operation using a transaction medium on this device, this device performs an automatic transaction operation based on the transaction medium and operation information by the customer.

At this time, various transaction states associated with the above-mentioned transactions are detected by the state detection means, and the detection results are sent to the history information creation means.

The history information creation means creates historical transaction history information corresponding to the above-mentioned transactions based on the detection results from the detection means.

The display means displays this transaction history information for confirmation of the transaction history.

(Example) Hereinafter, an example of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a perspective view showing the external appearance of a device according to an embodiment of the present invention, and FIG. 2 is a block diagram showing the overall configuration of the device.

First, the overall configuration will be explained with reference to FIG.

An automatic transaction device 100 capable of depositing and withdrawing cash using a magnetic card, cash card, etc. is installed at each branch. The transaction status of this automatic transaction device 100 can be monitored by a centrally installed monitoring center device 110 via a relay device 30. In addition, a surveillance camera 210 is installed near the automatic transaction device 100, and a surveillance camera 210 is installed near the automatic transaction device 100.
The image information of the customer operating 0 is transmitted to the monitoring center device @110, and the image information of this monitoring camera 210 can be monitored by the central monitoring center device 110. Further, the remote monitor 22 is installed in the same branch where the automatic transaction device 100 is installed, and for example,
It is installed near the desk of the administrator who manages the system. As shown in FIG. 3, this remote monitor 22 monitors and displays the transaction status of the automatic transaction device 100, such as cash deposits and withdrawals, and is used by the person in charge of managing the automatic transaction device @100. The person uses a remote monitor 2 installed near him/her.
2 by monitoring the automatic transaction device 100 remotely.
You can monitor the trading status of

Next, with reference to FIGS. 1 and 2, the automatic transaction device 100
will be explained in detail.

An L-shaped operation section 2 is formed on the front surface of a housing 1 of the automatic transaction device 100. A banknote insertion slot 3 is provided on the horizontal surface of the operation unit 2, and is used for transferring banknotes.

A large number of banknotes to be transferred can be inserted at once. Further, this bill insertion slot 3 is provided with a door 4 that can be opened and closed. Furthermore, a CRT display section 5 having a built-in touch sensor and the like is provided on the horizontal surface of the operation section 2. This C
The RT display unit 5 guides the user by displaying operating procedures and other information on the CRT screen in the form of illustrations, characters, or text, and also displays information such as a password, amount, and account number.

By pressing the display area corresponding to approval, confirmation, cancellation, etc. of the transaction, a touch sensor (not shown) detects this and outputs a corresponding signal to the control unit 11.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 6 for inserting a magnetic card as a transaction medium in which a PIN number and account information are recorded, a bankbook insertion lower part for inserting a bankbook, and a bankbook insertion slot 6 for inserting coins. A coin slot 8 for receiving coin change and a coin change receiving slot 9 for receiving coin change are provided.

Next, the internal configuration of automatic transaction device 100 will be explained.

Control unit] 1 has a built-in microcomputer, etc., and executes the overall urban control operation. The magnetic card reading section 12 accepts the magnetic card inserted from the above-mentioned card insertion slot 6, and reads account information such as the PIN number 2 and account number from the magnetic strip on the card. The magnetic stripe section of the passbook inserted from the passbook insertion lower is read, and the details of the transaction are recorded on the passbook and journal paper (not shown), etc. Deposit/withdrawal unit 1~
14 receives the banknotes inserted into the banknote insertion slot 3,
A specified amount of banknotes is returned to the banknote insertion slot 3. The coin dispenser unit 15 accepts the coins inserted into the coin input slot 8 and dispenses a designated amount of coins to the coin change receiving slot 9.

The customer service unit 16 has the above-mentioned CRT display section 5 built therein. The audio guidance unit 17 has a built-in speaker and the like, and provides audio guidance to the user. The internal monitor 18 monitors and displays the transaction status of the automatic transaction device 100, as will be described in detail later.

The floppy disk 19 is a data file in which financial institution information necessary for transfer transactions, such as bank names, branch names, etc., is recorded in alphabetical order. Further, the control section 11 is connected to a host computer 120 via a transmission control section 20. The power supply section 21 supplies predetermined power to each circuit section. The control unit 11 is connected to the relay device 3° via the communication control unit 23.

Further, the automatic transaction device 100 has a built-in recovery means for self-recovery from failures such as paper jams, and operates based on a recovery command from the monitoring center device 110. That is, the control unit 11 controls the communication control unit 23 and the relay device 30.
Upon receiving the restoration command transmitted from the monitoring center device 110 via the , the above-mentioned restoration means is driven to instruct self-recovery.

Furthermore, a card slip printing section 24 is connected to the control section 11, which prints transaction information associated with card transactions on a slip and issues this slip to a customer.

Further, the automatic transaction device 100 includes a state detection means 50 consisting of six detection units (for example, an optical sensor composed of a light emitting element and a light receiving element).

This state detection means 50 includes a card slip detection section 41 that detects the issuance of a card slip from the card slip printing section 24, a card detection section 42 that detects insertion and ejection of a card in the magnetic card reading section 12, and a passbook printing section. Insertion of passbook in 13.

A passbook detection unit 43 that detects discharge, and a deposit/withdrawal unit 14
a banknote detection unit 44 that detects the in/out state of banknotes;
It includes a money detection section 45 that detects the state of coins in and out of the coin deposit/withdrawal unit 15, and a customer detection section 46 that detects the presence or absence of a customer with respect to the customer service unit 16.

Here, the internal monitor 18 will be explained in detail with reference to FIG.

This internal monitor 18 includes a history information creation means 51 that operates under the control of the control unit 11, and a history information creation means 51 that operates under the control of the control unit 11.
A printer 52 is provided as a display means for printing out the transaction history information created by the above on paper.

The history information creation means 51 includes a sub-control section 53 connected to the control section 11, a 61 o'clock section 54 that outputs time information,
A date memory 55 that stores date information, character information and a code shown in FIG.
”, “Password input 2 code 2”, “Amount input 2 code 3”
, "Center response: code 4", "Voucher printing port code 5"
”, “Cash counting 2 code 6”, “Card slip release 2 code 7”.

"Cash release 2 code 8", "Taking: code 9".

“Cash collection: Transaction status information memory 56 that stores each transaction status information of code IOJ and transaction status information of “Customer present” and “Customer absent” and the historical information creation means 51. It also includes a history information memory 57 for recording transaction history information.

The operation of the device having the above configuration will be mainly described below with reference to the operations of the internal monitor 18 and the state detection means 50, and will be described in detail in FIG.
, (b) and the display mode of history information shown in FIG. 5.

A customer who wishes to perform a transaction, for example, a withdrawal transaction, using the automatic transaction device 100 first approaches the CRT display section 5.

Then, a withdrawal transaction is selected from among the transaction selection displays displayed on the CRT display section 5 (STI, 5T2).

In this case, if a balance inquiry transaction is selected instead of a withdrawal transaction (ST2'), balance processing is performed (Sr1).
.

Now, when a withdrawal transaction is selected in step 2, the sub-control unit 5
After clearing the memory 57 (Sr1), 3 stores the code A indicating a withdrawal transaction in the memory 57, reads the current time from the timer 54, stores this time information in the memory 57, and further processes the customer detection Based on the detection result of the unit 46, information indicating "Customer present" indicating the presence of a customer is also stored in the memory 57 (Sr1).

Next, the customer inserts the card into the card insertion slot 6 according to the guidance information on the CRT display section 5 (rev. 6). The sub-control unit 53 stores the card insertion information in the memory 57 as card 1 (Sr1) based on the detection result of the intelligence unit 42 indicating the insertion of the card (Sr1). At the same time, the current time is read from the 81 o'clock section 54 and stored in the memory 57.
I remember it.

Further, the customer inputs the identification number from the touch sensor according to the guidance on the CRT display section 5 (Sr1). The sub-control unit 53 stores this password as code 2 in the mailbox 57 (Sr1), and at the same time, the current time from the clock unit 54 and information indicating the presence of a customer from the customer detection unit 46 are also stored in the memory. 57.

Next, the customer inputs information indicating his or her desired withdrawal amount from the touch sensor (srio). The sub-control unit 53 stores the amount information at this time as code 3 ( ) in the memory 57 (STII), and at the same time, the current time and customer from the clock unit 54 and the detection unit 46 indicate that there is a customer such as Rikihi. It also stores information indicating.

At this stage, the sub-control unit 53. The control unit 11 informs the host computer 120 via the transmission control unit 20 whether or not the transaction desired by the customer is possible (ST12), and also records this state in the memory 57 as code 4. ! L
(ST13) At the same time, the current time from the clock section 54 and information indicating the presence of a customer from the customer detection section 46 are stored in the memory 57.
memorize to.

If the response from the host computer 120 is affirmative, information indicating the details of the transaction is printed on the card slip by the card slip printing unit 24 (ST14).
At the same time, this state is stored in the memory 57 as code 5 (ST15). At this time, the sub-control unit 53 controls the clock unit 5
The current time from 4 and information indicating the presence of a customer from the customer detection unit 46 are stored in the memory 57.

Next, the deposit/withdrawal unit 14 controls the sub-control unit 53° control unit 1
Based on the control of step 1, the banknotes according to the customer's input are transferred to δ-I (5T16) and ready to be withdrawn.

At this time, the sub-control unit 53 stores information on the number of banknotes as code 6 in the memory 57 based on the detection result of the banknote detection unit 44 (ST17), and at the same time stores the current time from the clock unit 54 and the customer detection unit 46. Information indicating that there is a customer from is stored in the memory 57.

Next, under the control of the control section 11, the magnetic card reading section 12
The operation of discharging the card from the card and discharging the card slip from the card slip printing section 24 is performed (ST18), and at this time, the 01 control section 53 receives the detection result of the card detection section 42 and the detection result of the card slip detection section 41. Based on this, code 7 indicating card release is written into the memory 57 (ST19).
. At the same time, the sub-control unit 53 stores the current time from the clock unit 54 and information indicating the presence of a customer from the customer detection unit 46 into the memory 57.
memorize to.

Next, the deposit/withdrawal unit 14 discharges the banknotes that have already been counted under the control of the control unit 11 (ST20).

At this time, the sub-control unit 53 stores code 8, which means the release of a banknote, in the memory 57 based on the detection result of the banknote detection unit 44 (ST21). At the same time, the sub-control unit 53
Information indicating the current time from the 1 o'clock section 54 and the presence of a customer from the customer detection section 46 is stored in the memory 57.

Next, assume that the bill ejected by the operation in step 20 is not removed (5T22 negative) and the customer leaves the device.

This state is detected by the @container detection unit-〇 (ST23
Based on this detection and information, the sub-control unit 53 stores the memory 5
The flag "Xl" is set at 7 (5T24), and the current time from the clock section 54 is also stored in the memory 57.

Such a situation means a unique situation in which the customer leaves the device even though the transaction is not completely completed.

If the ejected banknotes are not collected even after a certain period of time (for example, 20 seconds) has passed (ST25), the deposit/withdrawal unit i
~14, please forget this banknote and collect it as a banknote 5T26)
, at this time, the sub-control unit 53 stores the [-10] meaning banknote collection in the memory 57 (ST27).

On the other hand, if a third party extracts banknotes within a certain period of time in steps 25 and 22 described above, the sub-control unit 53 stores this state in the memory 57 as code 9, which means a unique banknote handling state. Shiku5T28),
At the same time, the current time from the clock section 54 and information indicating the presence of a customer from the customer detection section 46 are stored in the memory 57.

After this, at 7'22, the customer who forgot to take out the banknotes during his transaction returns to this machine and, for example, tells the clerk (that the banknotes did not come out of the machine) and the manager (again). do.

In this case, when the clerk d performs a predetermined operation in the customer service units 1 to 16, the sub-control unit first checks whether the flag "x" exists in the memory 57 (5T29), and if the flag rXJ is present. For example, the stored contents are read out from the memory 57, along with the dimensions, character information corresponding to each [-] code is read out from the transaction status information memory 56 (c) and sent to the printer 52.

As a result, the printer 52 prints out the customer's transaction history information on a sheet of paper in the manner shown in FIG. 5, and discharges the sheet (ST30).

By visually checking the transaction history information sent to Pudding 1-Ara 1 on this form, it becomes clear that the customer's claim is false, and that the banknotes were stolen by a third party after the customer left the bank. The truth becomes clear that there is only one way to deal with it.

The present invention is not limited to the embodiments described above, and various modifications can be made within the scope of the paper.

For example, in the embodiments described above, storage of transaction history.

Although the case where the display is performed has been described, it is also possible to cover this so that each customer action (pressing state of a touch sensor, etc.) is similarly displayed in a similar manner.

Further, in the above-described embodiment, only the case of an abnormal transaction is finally displayed, but by increasing the capacity of the memory, it is also possible to store and display all transaction details.

[Effects of the Invention] According to the present invention as described above, transaction history information is created and displayed over time based on the detection results of transaction status, which eliminates the cause of troubles with customers. It is possible to provide an automatic transaction device that can accurately conduct the investigation.

[Brief explanation of the drawing]

FIG. 1 is an external perspective view of a device according to an embodiment of the present invention, FIG. 2 is a block diagram showing the internal configuration of the device, FIG. 3 is a block diagram showing an internal monitor and state detection means in the device, and FIG. 4 is a block diagram showing the internal configuration of the device. (a) and (b) are respectively an operation flowchart 1 of the device, and FIG. 5 is a plan view showing how transaction history information is displayed by the display means of the device. 1... Automatic transaction device, 50... State detection means, 5
1... Means for creating biographical history information, 52... Printer as a display means. 1? ○ Figure 1 Convex Figure 3

Claims (1)

[Claims] An automatic transaction device that uses a transaction medium to automatically conduct transactions with a customer based on the customer's operations includes a state detection means for detecting various transaction states associated with the transaction, and a detection result of the state detection means. 1. An automatic transaction device comprising: a history information creation means for creating transaction history information over time based on the history information; and a display means for displaying the transaction history information created by the history information creation means.