JP2005242458A - Automatic transaction apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus for automatically conducting a transferring transaction by easily identifying a person who has transferred. <P>SOLUTION: The apparatus having a customer operation part for accepting an input from the person who has transferred is provided with a camera part for photographing a face image of the person at the vicinity of the operation part, photographs the face image of the person by the camera part when the transferring transaction is conducted and allows a recipient of the transferring transaction to acquire the photographed face image of the person. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus that automatically performs a transaction with a customer such as an automatic teller machine installed in a store such as a financial institution.

The conventional automatic transaction device accepts input by writing a single message and converts it into characters when the transfer person conducts a transfer transaction, and transfers the single message to the host computer when communicating with the host computer in the transfer transaction. The host computer that transmitted and received the message sends a short message printed on the designated card to the address of the recipient's transfer information (see, for example, Patent Document 1).
Japanese Patent Laid-Open No. 10-91841 (paragraph 0054 on page 12-paragraph 0076 on page 13; FIGS. 5 and 6)

In recent years, the number of malicious financial operators who charge unfair interest rates has increased, and fraudulent acts such as fraudulent collection of interest rates have become a social problem, and it is expected that such malicious financial operators will be destroyed. It is coming.
However, in the above-described conventional technology, when a transfer transaction is performed, a single message is sent to the recipient by converting it into a character character without leaving the handwritten handwritten by handwriting or the like. There is a problem that it is difficult to specify the transfer person when there is an illegal collection after receiving a transfer loan from a financial company.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide an automatic transaction apparatus that automatically performs a transfer transaction that can easily identify a transfer person.

  In order to solve the above-mentioned problem, the present invention is to provide an automatic transaction apparatus that has a customer operation unit that accepts an input of a transfer person and performs a transfer transaction, and captures a face image of the transfer person in the vicinity of the customer operation unit. A camera unit is provided, and at the time of the transfer transaction, the face image of the transfer person is photographed by the camera unit, and the photographed transfer person's face image can be acquired by the recipient of the transfer transaction. To do.

  As a result, the present invention can photograph the face image of the transfer person from substantially the front, and when the recipient receives an improper collection after receiving the transfer loan from the financial operator, the face image of the transfer person Can be easily obtained by the recipient, and the effect of easily identifying the transfer person can be obtained.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a front view showing an automatic teller machine according to an embodiment, FIG. 2 is a block diagram showing a system configuration of the embodiment, and FIG. 3 is a block diagram showing an automatic teller machine according to the embodiment.
In FIG. 2, 1a and 1b are automatic teller machines as automatic transaction apparatuses, which are installed in financial institutions such as banks, post offices, convenience stores, etc. (referred to as financial institutions, etc.) and stores such as post offices. And automatically make cash transactions with customers.

In this embodiment, the automatic teller machine 1a is an automatic teller machine installed in a bank A store as a financial institution, and the automatic teller machine 1b is installed in a bank B store as a financial institution etc. These are automatic teller machines, both of which have the same function (hereinafter referred to as an automatic teller machine 1 when the automatic teller machine is generically referred to).
Reference numerals 2a and 2b denote host computers as host devices installed in a center such as a financial institution, and automatic teller machines 1a and 1b installed in respective stores and communication lines 3a and 3b such as dedicated lines and telephone lines. The customer file is stored for storing customer information such as the account number of each customer's account, its PIN, and account balance, and the customer's account is managed by the customer information.

In this embodiment, the host computer 2a is a host computer installed in the bank A, and the host computer 2b is a host computer installed in the bank B, both of which have the same function (hereinafter referred to as host computer). Are collectively referred to as the host computer 2).
The communication line 3a is a communication line connecting the host computer 2a of the A bank and the automatic teller machine 1a, and the communication line 3b is a communication line connecting the host computer 2b of the B bank and the automatic teller machine 1b. Both have the same function (hereinafter referred to as communication line 3 when the communication line is generically referred to).

Reference numeral 4 denotes an inter-host network, which is a network configured to allow data communication with a plurality of host computers 2 such as host computers 2a, 2b and other affiliated financial institutions. This is a network constructed so that the automatic teller machine 1 can be used mutually.
1 and 3, reference numeral 11 denotes a main control unit of the automatic teller machine 1, which is connected to the host computer 2 via the communication line 3 and controls each part in the automatic teller machine 1 for transaction processing. Is executed and data communication and the like are also controlled.

A storage unit 12 stores a program executed by the main control unit 11, a processing result by the main control unit 11, and the like.
Reference numeral 13 denotes a customer operation unit, which is composed of a combination of a display screen such as an LCD and position signal detection means such as a touch panel, and is installed substantially vertically on the front face of the automatic teller machine 1. A transaction selection screen, various input screens, and the like are displayed, and a position where the customer touches the screen is detected by a position signal by the position signal detection means, and an input such as a customer's selection input or character input is accepted.

Reference numeral 14 denotes a card handling unit, which includes a magnetic head and the like, and the transaction card information and transfer card recorded in the transaction card or transfer card such as a customer's cash card or credit card inserted into the card insertion / exit port 14a. It has a function to read and write information.
In the present embodiment, the card handling unit 14 has a retreat path for the card inserted first downstream of the magnetic head in order to receive two cards, a transaction card and a transfer card.

A receipt issuing unit 15 includes a print head and a printer having a platen or the like provided opposite to the print head, prints transaction contents on the receipt, discharges it from the receipt discharge port 15a, and issues the receipt to the customer. It has a function to do.
Reference numeral 16 denotes an input key, which is a pin pad or the like having a numeric keypad, a “correction” key, and the like, which is used by a customer to input a personal identification number or a transfer amount in a transfer transaction.

Reference numeral 17 denotes a banknote deposit / withdrawal unit, which accepts banknotes inserted by a customer through the banknote deposit / withdrawal port 17a, discriminates and counts and stores the banknotes, and discharges the banknotes to be paid to the customer from the banknote deposit / withdrawal port 17a. It has a function.
Reference numeral 18 denotes a coin deposit / withdrawal unit that accepts coins inserted by a customer through a coin deposit / withdrawal port 18a, discriminates and counts them, stores them, and discharges the coins to be paid to the customer from the coin deposit / withdrawal port 18a to be delivered to the customer. It has a function.

Reference numeral 19 denotes a camera unit, which is disposed in the vicinity of the upper part of the display screen of the customer operation unit 13 and behind the polarizing plate 20, and includes a video camera and the like. In addition, it has a function of shooting a moving image.
The polarizing plate 20 is a transparent body such as a glass plate or an acrylic plate having a polarizing filter so that the inside of the polarizing plate cannot be seen from the customer, and is configured so that the customer's face image can be taken by the camera unit 19 disposed on the back side. ing.

Reference numeral 21 denotes a microphone, which is disposed between the display screen of the customer operation unit 13 and the camera unit 19 and has a function of collecting customer voices and converting them into audio signals.
A speaker 22 is disposed in front of the automatic teller machine 1 and has a function of converting an audio signal generated by the main control unit 11 into audio.
In addition to the above, the automatic teller machine 1 may be provided with a passbook handling unit or the like having a function of accepting a customer's passbook and writing transaction details.

The operation of the above configuration will be described.
In the storage unit 12 of the automatic teller machine 1 according to the present embodiment, a transfer transaction process in which a message input process is added to a process at the time of inputting transfer destination information in a normal transfer transaction and a normal transaction process are input by a transfer transaction. A “transaction processing program” to which a message output process for outputting the received message is added is stored in advance.

The customer information of the host computer 2 stores e-mail addresses of mobile phones, portable information devices, personal computers, etc. registered in advance by the customer.
In the following explanation, a customer who requests a transfer (referred to as a transferor) uses a bank A automatic teller machine 1a to transfer an account that a customer (referred to as a payee) to a bank B has opened at B Bank. A cash transfer transaction will be described as an example.

Below, the transfer transaction process by the automatic teller machine 1a of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG.
When a person in charge at a bank A store turns on the automatic teller machine 1a at the start of business or the like, the "transaction processing program" stored in the storage unit 12 of the automatic teller machine 1a is automatically activated.
S1, When the “transaction processing program” is activated, the main control unit 11 of the automatic teller machine 1a displays a transaction selection screen on the screen of the customer operation unit 13 and stands by.

In the transaction selection screen, inquires about the prompt to press the transaction button, the “pay” button for payment transaction, the “payment” button for payment transaction, the “transfer” button for transfer transaction, and the account balance A transaction button for selecting a transaction such as a “balance inquiry” button for the balance inquiry transaction to be performed is displayed.
The transfer person selects a transfer transaction from the screen of the customer operation unit 13 and presses a “transfer” button on the touch panel.

  S2, the main control unit 6 that recognizes the transaction selected by the transfer person as a transfer transaction based on a position signal from the touch panel, etc., accepts the transfer transaction and prompts the customer operation unit 13 to select a payment method and the transaction A payment method selection screen displaying a “card transfer” button for selecting payment by card, a “cash transfer” button for selecting payment by cash, and the like is displayed. The transfer person presses the “cash transfer” button to select a payment method by cash.

S3, the main control unit 11 that has detected the pressing of the “cash transfer” button, on the screen of the customer operation unit 13, a “no transfer card” button for manually inputting a word and a transfer destination on the screen of the customer operation unit 13 Then, a transfer type selection screen displaying a “transfer card transaction” button or the like for inputting a transfer destination by the transfer card is displayed.
The transfer person selects the “no transfer card” button when inputting the transfer destination manually, and selects the “transfer card transaction” button when inputting the transfer destination using the transfer card, and presses the button.

S4, the main control unit 11 proceeds to step S5 when the pressing of the “no transfer card” button is detected by a touch panel position signal or the like, and proceeds to step S6 when the pressing of the “transfer card transaction” button is detected.
S5, the main control unit 11 detecting the pressing of the “transfer card transaction” button displays a transfer card insertion screen displaying a message prompting insertion of the transfer card on the screen of the customer operation unit 13 to insert the transfer card. Prompt. In accordance with this, the transfer person inserts the transfer card into the card insertion outlet 14a of the card handling unit 14.

At this time, the main control unit 11 uses the card handling unit 14 to transfer bank information recorded on the transfer card and its branch name, bank account number, payee name and other bank information, transfer person name and its name. The transfer card information such as the transfer person information such as a telephone number as a contact is read, and the process proceeds to step S7.
S 6, the main control unit 11 detecting the pressing of the “no transfer card” button displays a transfer destination input screen for inputting a transfer destination on the screen of the customer operation unit 13 and prompts the input.

On the payment details entry screen, the text prompting you to enter the payment details, the display fields for the payment information and payee information, the numeric keypad and Kana character keys for entering these information, A “correct” button and a “confirm” button for instructing the end of input are displayed.
The transfer person inputs the transfer destination financial institution name (bank B in this embodiment) by using the numeric keypad or the kana character key and presses the “confirm” button.

  S7, the main control unit 11 that has read the transfer card information or has recognized the input transfer destination information, etc., a message that prompts the customer operation unit 13 to input the transfer amount, the transfer amount display field, the transfer amount Numeric keypad for entering, “10,000” key, “1000” key, “Yen” key for entering monetary units, “correction” button for correcting input mistakes, and instructing the end of input Display the transfer amount input screen displaying the “Confirm” button. The transfer person inputs the transfer amount using the numeric keypad and presses the “confirm” button.

S8, The main control unit 11 that has recognized the input transfer amount displays a message input method selection screen shown in FIG. 5 on the screen of the customer operation unit 13 for selecting a method for inputting a message to the recipient.
On the message input method selection screen, a message that prompts the user to select a message input method and a message that a face image is transmitted to the recipient together with the message, and a transmission that is charged each time a message is input by voice or text “Voice Message” button for selecting to send a message by fee and voice, “Text Message” button for choosing to send a message by character, and “Cancel” to stop sending the message Buttons etc. are displayed.

The transfer person presses the “voice message” button when transmitting a message by voice, the “character message” button when transmitting a message by text, and the “cancel” button when canceling the message transmission.
In parallel with S9 and step S8, the main control unit 11 performs an input operation for selecting a message transmission method on the screen of the customer operation unit 13 by the camera unit 19 disposed near the upper part of the customer operation unit 13. A still image of the transfer person's face image is taken and the face image data is stored in the storage unit 12.

S10, the main control unit 11 storing the face image data of the transfer person proceeds to step S14 when the input operation performed by the transfer person is detected as pressing of the “cancel” button, and is detected as pressing of other buttons. The process proceeds to step S11.
S11, the main control unit 11 proceeds to step S12 when the input operation performed by the transfer person is detected as pressing of the “voice message” button, and proceeds to step S13 when detected as pressing of the “character message” button.

S <b> 12, the main control unit 11 detecting the pressing of the “voice message” button displays the voice message input screen shown in FIG. 6 on the screen of the customer operation unit 13.
On the voice message input screen, a message prompting to input a voice message, a transmission fee charged when inputting the voice message, a “message start” button for starting the voice message input, and a predetermined message input An indicator or the like displaying a time scale for notifying the transfer person of the passage of time is displayed.

The transfer person presses a “start message” button and inputs a message to the recipient by voice toward the microphone 21 arranged immediately below the camera unit 19 while measuring the time with an indicator.
At this time, the main control unit 11 takes a still image or a moving face image of the transfer person performing the voice message input operation, replaces it with the face image data stored in the storage unit 12 in step S9, and stores it. At the same time, the end of the voice input is recognized after a predetermined time, and the process proceeds to step S14.

S <b> 13, the main control unit 11 detecting the pressing of the “character message” button displays a character message input screen on the screen of the customer operation unit 13.
The text message input screen includes a message prompting you to enter a text message, a transmission fee charged when you enter the text message, a message display field that displays a specified number of characters, a numeric keypad for entering text, and kana characters A key, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.

The transfer person inputs a message to the recipient by text toward the screen of the customer operation unit 13 arranged below the camera unit 19 while confirming the number of characters in the message display column by using the numeric keypad or the kana character key. Press the “Confirm” button to indicate the end.
At this time, the main control unit 11 takes a still image or a moving image facial image of the transfer person performing the input operation of the text message, and replaces it with the facial image data stored in the storage unit 12 in step S9 and stores it. At the same time, the end of the character input is recognized by pressing the “confirm” button, and the process proceeds to step S14.

S <b> 14, the main control unit 11 detecting the pressing of the “cancel” button or recognizing the end of the message input displays a transfer input confirmation screen on the screen of the customer operation unit 13.
On the payment confirmation screen, the wording prompting you to confirm the payment input, the name of the financial institution that was entered or read from the payment card and the branch name, the bank account number, the recipient's name, etc. Transfer information such as the name of the transfer person and its telephone number, the transfer amount and transfer fee entered, the send fee if a message is entered, and a "Confirm" button to indicate that the display contents have been confirmed, A “correction” button or the like for performing correction input of the contents of the transfer input is displayed.

The transfer person presses the “Confirm” button when confirming the display contents, and presses the “Correction” button when correcting the contents of the transfer input.
S15, the main control unit 11 returns to step S16 when the pressing of the “confirm” button is detected, and returns to step S6 when the pressing of the “correction” button is detected, and accepts the correction input such as the transfer destination.

  S16, the main control unit 11 detecting the pressing of the “confirm” button, the transfer amount and the transfer fee on the screen of the customer operation unit 13, the transmission fee when the message is input and the total amount thereof, and the bill and A statement that prompts the insertion of coins (referred to as cash) is displayed, and the banknote deposit / withdrawal port 17a of the banknote deposit / withdrawal unit 17 and the coin deposit / withdrawal port 18a of the coin deposit / withdrawal unit 18 are opened.

When the transfer person inserts cash into each deposit / withdrawal port, the main control unit 11 that detects this closes the banknote deposit / withdrawal port 17a and the coin deposit / withdrawal port 18a, discriminates the inserted cash, Count the number of denominations.
S 17, the main control unit 11 having finished counting the inserted cash, a “confirm” button for instructing that the total amount, the number of money types, and the display content are confirmed on the screen of the customer operation unit 13. Displays a confirmation screen for the input amount, etc. displaying a “cancel” button to cancel the transfer transaction. The transfer person presses the “confirm” button when confirming the displayed input amount and the like, and presses the “cancel” button when canceling the transfer transaction.

S18, when the main control unit 11 detects the pressing of the “confirm” button, stores the inserted cash in each storage unit, and proceeds to step S20. If the pressing of the “Cancel” button is detected, the process proceeds to step S19.
S19, the main control unit 11 detecting the pressing of the “cancel” button discharges the counted cash from the banknote deposit / withdrawal port 17a and the coin deposit / withdrawal port 18a, and when the transfer card is inserted, the card handling unit 14 The card is discharged from the card insertion / discharge port 14a and returned to the transfer person.

The main control unit 11 confirms that the transfer person has received them, ends the transfer transaction process, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 13, and stands by.
S20, the main control unit 11 of the automatic teller machine 1a that has finished storing cash displays a standby request screen on the screen of the customer operation unit 13 that prompts the user to wait for a while, while the host computer 2. Execute cash transfer transaction processing with 2.

That is, the main control unit 11 receives the transferred transfer amount, transfer destination information, transfer person information, transfer fee, message transmission fee, transfer person face image data stored in the storage unit 12, and when a message is input A transfer transaction message is created with a voice or text message attached, and transmitted to the host computer 2a via the communication line 3a.
The host computer 2a that has received the transfer transaction message sends the transfer destination information, the transfer person information, and the face image data of the transfer person to the financial institution (bank B in this embodiment) of the transfer destination information included in the transfer transaction message. When a message is input, a transfer payment request accompanied by a message or the like by voice or text is transmitted to the host computer 2b via the host-to-host network 4.

  The host computer 2b that has received the transfer payment request searches the customer information in the customer file based on the transfer destination information included in the transfer payment request, identifies the recipient's account, and transfers the payment to the recipient's account. In addition to depositing the amount of money, if the name of the transfer person, the face image data of the transfer person, and a message are input to the corresponding customer information, the message by voice or text is stored. Thereby, it becomes possible for the recipient of the transfer transaction to acquire the face image of the transfer person at the time of the transaction performed by the transfer person.

Then, the fact that the deposit of the transfer amount has been completed is transmitted to the host computer 2a via the inter-host network 4 as a transfer deposit end notification.
The host computer 2a which has received the transfer payment end notification pays the transfer fee and the message transmission fee to the bank's account, and notifies the end of the transfer transaction via the communication line 3a as a transfer transaction end notification message. Send to 1a.

  S21, The main control unit 11 that has received the transfer transaction end notification message deletes the face image data of the transfer person stored in the storage unit 12 and prompts the customer operation unit 13 to accept receipts and change. In addition to displaying the text, if the contents of the transfer transaction and a text message are input, the text message is printed on the receipt by the receipt issuing unit 15, and if change is required, the change is transferred to the banknote deposit / withdrawal unit 17 and the coin deposit / withdrawal. The money is counted and fed out from the gold portion 18, and the receipt and cash are discharged from the receipt discharge port 15a, the banknote deposit / withdrawal port 17a, and the coin deposit / withdrawal port 18a.

Further, when a transfer card is inserted, the transfer card is simultaneously discharged from the card insertion / discharge port 14a of the card handling unit 14.
Thereafter, the main control unit 11 confirms that the transfer person has received them, ends the transfer transaction processing, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 13, and stands by.
As described above, the transfer transaction processing by the automatic teller machine 1a of this embodiment is executed, and the host computer 2b of the financial institution (bank B in this embodiment) that has opened the account of the recipient holds. The recipient's customer information stores the transfer person's still image or moving image face image and voice or text message.

Transactions such as deposit transactions, withdrawal transactions, transfer transactions, balance inquiry transactions, etc., using the recipient's account as the transfer destination by the automatic teller machine 1b installed at the bank B store. The transfer person's face image and message will be displayed when you do.
Below, the message output process by the automatic teller machine 1b of a present Example is demonstrated according to the step shown by SA using the flowchart shown in FIG.

In this description, a balance inquiry transaction will be described as an example of a transaction that uses a payee's account as a transfer destination.
SA1, when the “transaction processing program” is activated in the same manner as in step S1, the main control unit 11 of the automatic teller machine 1b displays a transaction selection screen similar to that in step S1 on the screen of the customer operation unit 13 and waits. To do.

The recipient selects a balance inquiry transaction from the screen of the customer operation unit 13 and presses a “balance inquiry” button on the touch panel.
SA2, the main control unit 6 that recognizes the transaction selected by the recipient as a balance inquiry transaction by a position signal from the touch panel, etc., accepts the balance inquiry transaction and prompts the customer operation unit 13 to insert a transaction card Display the transaction card insertion screen displaying, prompting the insertion of a transaction card.

In accordance with this, the transfer person inserts the recipient's transaction card into the card insertion outlet 14a of the card handling unit 14.
At this time, the main control unit 11 uses the card handling unit 14 to read transaction card information such as the account number of the recipient's account recorded on the transaction card.
SA3, the main control unit 11 that has detected the insertion of the transaction card displays on the screen of the customer operation unit 13 a message that prompts the user to input a password, a password number display field, and a password that displays a numeric keypad for entering the password. The number input screen is displayed, and the recipient inputs the password using the numeric keypad.

SA4, the main control unit 11 of the automatic teller machine 1b which has recognized the input personal identification number executes a balance inquiry transaction communication process with the host computer 2b.
That is, the main control unit 11 displays a message for prompting the standby for a while on the screen of the customer operation unit 13, while displaying a balance inquiry transaction message attached with the password entered in the transaction card information of the transaction card. It is created and transmitted to the host computer 2b via the communication line 3.

The host computer 2b that has received the balance inquiry transaction message searches for customer information in the customer file based on the transaction card information included in the balance inquiry transaction message, and obtains the PIN number of the corresponding customer information and the PIN number of the balance inquiry transaction message. And the recipient is authenticated by the match.
Then, if the account balance of the recipient's account and the message of the transfer person are stored, the face image of the transfer person, the message by voice or text and the e-mail address registered in advance by the customer are extracted, and these are inquired for the balance inquiry transaction. Is sent to the automatic teller machine 1b via the communication line 3 as a balance inquiry transaction end notification message attached to the effect that the transaction is completed.

In this embodiment, a text message is attached to the balance inquiry transaction end notification message.
SA5, the main control unit 11 of the automatic teller machine 1b that has received the balance inquiry transaction end notification message recognizes the end of the balance inquiry transaction process, and the transferer's message is attached to the balance inquiry transaction end notification message. If YES in step SA7, the flow advances to step SA7. If no transfer person message is attached, the flow advances to step SA6.

SA6, the main control unit 11 that has determined that the message of the transfer person is not attached to the balance inquiry transaction end notification message, the message to prompt confirmation of the balance on the screen of the customer operation unit 13, the account number and name of the recipient Then, an inquiry balance confirmation screen displaying an “end” button or the like for instructing that the account balance and display contents have been confirmed is displayed.
The recipient confirms the displayed content and presses the “Finish” button. The main control unit 11 that has detected the pressing of the “end” button proceeds to step SA16.

The main control unit 11 that determines that the message of the transfer person is attached to the SA7, balance inquiry transaction end notification message, displays the message reception notification screen shown in FIG. 8 on the screen of the customer operation unit 13.
In addition to the inquiry balance confirmation screen in step SA6, the message reception notification screen includes a message with the name of the transfer person indicating that the transfer person's message has arrived, and a face image and message of the transfer person's still image or video. A "message transfer" button for transferring to an output destination designated by the recipient, an "open message" button for displaying the transfer person's face image and message on the screen of the customer operation unit 13, a message transfer and display An “end” button or the like to be pressed when it is unnecessary is displayed.

The recipient sends a “message transfer” button to transfer the transfer person's face image and message to an output destination designated by the recipient, and displays the transfer person's face image and message on the screen of the customer operation unit 13. Click the “Open message” button, or press the “Finish” button if you do not need to forward or display the message.
SA8, the main control unit 11 proceeds to step SA16 when the input operation performed by the recipient is detected as pressing of the “end” button, and proceeds to step SA9 when it is detected that other buttons are pressed.

SA9, the main control unit 11 proceeds to step SA11 when the input operation performed by the recipient is detected as pressing of the “message transfer” button, and proceeds to step SA10 when detected as pressing of the “open message” button. .
SA 10, the main control unit 11 detecting the pressing of the “open message” button displays a message confirmation screen shown in FIG. 9 on the screen of the customer operation unit 13.

  On the message confirmation screen, a message with the name of the transfer person indicating that it is the transfer person's message, a text message entered by the transfer person, a face image of the transfer person, and a confirmation message indicating that the display contents have been confirmed. "Button is displayed. The recipient confirms the displayed content and presses the “Finish” button. Upon detecting this, the main control unit 11 recognizes the end of the message display and proceeds to step SA16.

When the transfer person has input a voice message, the main control unit 11 plays the voice message through the speaker 22 and displays the face image of the transfer person by omitting the text message on the message confirmation screen. Display the message confirmation screen. In this case, when the transfer person's face image is a moving image, the sound is played in a state synchronized with the moving image.
In addition, a “return” button is provided on the message confirmation screen to return to the previous screen, that is, the message reception notification screen, and a selection input such as a “message transfer” button is returned to step SA7 by a recipient input. May be accepted.

SA 11, the main control unit 11 detecting the pressing of the “message transfer” button displays the transfer destination confirmation screen shown in FIG. 10 on the screen of the customer operation unit 13.
On the transfer destination confirmation screen, a message prompting you to select a transfer destination, its operation method, a “Register new transfer address” button for registering a new transfer destination, and a transfer to a mail address registered in advance by the recipient "E-mail address (description of the e-mail address registered in advance by the recipient)" button, and "Confirm" button for instructing the end of selection input, the previous screen, that is, the message reception notification screen A “return” button or the like for returning the display is displayed.

If the recipient is to register a new forwarding address, the “Register new forwarding address” button is used. If the recipient is forwarding to a pre-registered email address, the “e-mail address (description of the email address previously registered by the recipient) is selected. ) ”Button and press the“ Confirm ”button. To return to the message reception notification screen, press the “Return” button.
SA12, when the main control unit 11 detects that the input operation performed by the recipient is pressing of the “return” button, the process returns to step SA7 to accept selection input such as the “open message” button. If it is detected that another button is pressed, the process proceeds to step SA13.

SA13, when the main control unit 11 detects that the input operation performed by the recipient is a press of the “Register new transfer address” button, the process proceeds to Step SA14, “Mail address (description of mail address registered in advance by recipient”). If it is detected that the “transfer to” button is pressed, the process proceeds to step SA15.
SA 14, the main control unit 11 that has detected the pressing of the “Register new transfer address” button displays a message prompting the customer operation unit 13 to input a new registered mail address, a mail address display field, and a mail address. A new registered address input screen is displayed on which are displayed alphabet keys and numeric keys for input, a "correction" button for correcting an input error, a "confirmation" button for instructing the end of input, and the like.

The recipient inputs an e-mail address to be newly registered by using an alphabet key or a numeric keypad and presses a “confirm” button. Upon detecting this, the main control unit 11 recognizes the end of the input of the new mail address, and proceeds to step SA15.
SA 15, the main control unit 11 detecting the pressing of the “forward to e-mail address (description of e-mail address registered in advance by recipient)” button or recognizing the end of input of the new e-mail address, the e-mail registered in advance by the recipient A message transmission request attached with an address or an input e-mail address for new registration (referred to as an output destination designated by the recipient) and transaction card information is transmitted to the host computer 2 via the communication line 3b, and step SA16. Migrate to

The main control unit 11 that has shifted from SA16, step SA6, SA8, SA10 or SA15 displays a message on the screen of the customer operation unit 13 prompting receipt of the transaction card and inserts the transaction card into the card handling unit 14 It discharges from the discharge port 14a.
Thereafter, the main control unit 11 confirms that the recipient has received the transaction card, terminates the balance inquiry transaction process, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 13, and waits. .

On the other hand, the host computer 2b that has received the message transmission request specifies the customer information of the recipient from the transaction card information of the message transmission request, and the recipient designates the face image of the transfer person and the message stored therein. At the same time, the face image and the message of the transfer person of the customer information are deleted, and transmitted to another database (not shown) for storage.
In this case, when the transfer person's face image stored in the database is a moving image, the front image may be cut out by image processing or the like and stored as a still image. As a result, the storage capacity of the database or the like can be reduced.

In the above description, the balance inquiry transaction performed by the recipient is described as an example, but the same applies to other transactions such as a deposit transaction. In this case, the display of a message or the like may be performed by accepting a selection input or the like in the same manner as described above after execution of the transaction communication process. In the case of a withdrawal transaction, it becomes possible to display during the withdrawal counting process of cash for withdrawal.
Moreover, although the transfer transaction from the bank A store to the bank B has been described as an example in this embodiment, the same applies to the transfer transaction from the store in the bank to another store.

Furthermore, although the transfer transaction has been described by taking a transfer transaction using cash as an example, the same applies to a transfer transaction using a transaction card.
As described above, in this embodiment, a camera unit that captures the transfer person's face image is provided in the vicinity of the customer operation unit, and when the transfer operation is performed by the customer operation unit of the transfer person in the transfer transaction, By taking a face image with the camera unit and storing it in the customer information of the payee, the face image of the transfer person can be taken from almost the front. When there is an illegal collection after the receipt, the recipient's face image can be easily acquired, and the transfer person can be easily identified.

This is particularly effective in the case of a cash transfer transaction in which the material specifying the transfer person at a later date is only the transfer person information entered by the transfer person.
In addition, by accepting the input of the voice message of the transfer person by the microphone provided in the vicinity of the camera unit, it is possible to shoot the transfer person's face image from the front and record the voice, In addition to facilitating identification of the transfer person, the purpose or use of the transferred cash can be clarified, and unnecessary confusion of the recipient such as unknown transfer purpose can be prevented.

Furthermore, by accepting the input of the transfer person's text message by the customer operation unit near the camera unit, it is possible to shoot the transfer person's face image from almost the front and clarify the purpose or use of the transferred cash. It is possible to prevent unnecessary confusion of the recipient such as unknown transfer purpose.
In addition, the transfer person's face image and message are stored in the host computer that manages the payee's account as the transfer destination, and a message is displayed when the payee performs a transaction using the account. By doing so, the payee can confirm payment by transfer without performing a special operation.

In addition, by transferring the transfer person's face image and message to the destination specified by the recipient, the customer can store the transfer person's face image, etc., and the transfer person can be easily identified at a later date. In addition, it is possible to freely check the message of the transfer person and the like in a spare time zone.
Furthermore, the recipient's face image is captured as a moving image and output in synchronization with the voice message, so that the recipient can listen to the voice message without feeling uncomfortable.

Further, by charging for the transmission of the message input by the transfer person, it becomes possible to expand business opportunities for financial institutions and the like.
In addition, although the input of the message has been described as being performed after the input operation of the transfer amount in step S7, the input of the message is not limited to the above timing, and after the transfer transaction is selected in step S1, the transfer transaction in step S20 is performed. The effect of the present invention is not impaired even if the message is input at any timing before the execution of the communication process.

In step S13, it has been described that the text message is input using the numeric keypad, the kana character key, or the like. However, a plurality of standard sentences prepared in advance are displayed and input by selection. May be.
Furthermore, although it has been described that, in step S14, when a message is input, the transfer fee is charged to the transfer person, the transmission fee may be charged to the recipient.

Furthermore, in step S21, it has been described that if a text message is input, it is printed on a receipt. However, a text message is printed on the bankbook of the transfer person that is inserted in the automatic teller machine by providing a bankbook handling unit. It may be. Similarly, a text message may be printed on the passbook of the recipient in step SA16.
Further, in the above embodiment, it has been described that the transmission fee is charged when a message is input. However, it may be free for a good customer, and points are given to a predetermined transaction. You may make it reduced or free.

Further, in step S12, it has been described that the voice message input screen shown in FIG. 6 is displayed when a voice message is input. However, the voice message input screen of another mode shown in FIG. 11 is displayed and inputted. Also good.
In this case, the voice message input screen shown in FIG. 11 includes a message for prompting the input of the voice message, a transmission fee charged according to the input time when the voice message is transmitted, and input of the voice message. A “message start” button, a “message end” button for ending the input of the voice message, a message input time, a display column for the transmission fee, and the like are displayed.

The transfer person presses the “start message” button to input a message to the recipient toward the microphone 21 arranged immediately below the camera unit 19. When the voice message is input, the “end message” button is pressed. Press.
At this time, the main control unit 11 shoots and stores the transfer person's face image in the same manner as in step S12, and measures the input time from the start to the end of the input by pressing the “end message” button, and transmits it. The fee is calculated and displayed, and the end of the voice input is recognized after a predetermined time has elapsed, and the process proceeds to step S14.

In the said Example, although the automatic transaction apparatus was demonstrated as an automatic teller machine, an automatic transaction apparatus may be not only an automatic teller machine but a transfer transaction exclusive machine.
As described above, the present invention captures and saves a face image of the front of the transfer person, so that there is an illegal collection after receiving a transfer loan from a malicious financial company. Since the transfer person can be easily identified, it is possible to exert the effect of deterring fraud, thereby contributing to the development of a healthy society, and with children living in remote areas and their parents. Can improve communication.

Front view showing an automatic teller machine of the embodiment Block diagram showing the system configuration of the embodiment Block diagram showing the automatic teller machine of the embodiment The flowchart which shows the transfer transaction processing of an Example Example of message input method selection screen display in the embodiment Example of voice message input screen display example The flowchart which shows the message output processing of execution example Example of message reception notification screen display example Message confirmation screen display example Transfer destination confirmation screen display example Example of voice message input screen display in other modes

Explanation of symbols

DESCRIPTION OF SYMBOLS 1a, 1b Automatic teller machine 2a, 2b Host computer 3a, 3b Communication line 4 Network between hosts 11 Main control part 12 Storage part 13 Customer operation part 14 Card handling part 14a Card insertion discharge port 15 Receipt issue part 15a Receipt discharge port 16 Input key 17 Banknote deposit / withdrawal unit 17a Banknote deposit / withdrawal port 18 Coin deposit / withdrawal unit 18a Coin deposit / withdrawal port 19 Camera unit 20 Polarizing plate 21 Microphone 22 Speaker

Claims (7)

In an automatic transaction apparatus that has a customer operation unit that accepts an input of a transfer person and performs a transfer transaction,
Provided in the vicinity of the customer operation unit is a camera unit that captures the transfer person's face image, and at the time of the transfer transaction, the transfer person's face image is captured by the camera unit, and the captured transfer person's face image Can be obtained by a recipient of the transfer transaction. In claim 1,
An automatic transaction apparatus comprising a microphone for collecting the voice of the transfer person in the vicinity of the camera unit, and receiving an input of a voice message to the recipient of the transfer person by the microphone. In claim 1 or claim 2,
An automatic transaction apparatus, wherein the customer operation unit accepts input of a text message to the recipient of the transfer person. In claim 1, claim 2 or claim 3,
An automatic transaction apparatus that displays the message and the photographed face image of the transfer person when the recipient who has made the transfer has made a transaction. In claim 1, claim 2 or claim 3,
An automatic transaction apparatus, which transfers the message and the photographed face image of the transfer person to an output destination designated by the payee when the payee who has made the transfer has made a transaction. . In claim 4 or claim 5,
An automatic transaction apparatus, wherein the transfer person's face image is photographed as a moving image and output in synchronization with the voice message. In claim 1 to claim 5 or claim 6,
When the transfer person inputs the message, the automatic transaction apparatus charges for the input.