JP2009211660A - Automated teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve the problem that when a user who is determined to have used an automated teller machine before a transaction fee is reduced (or free of charge), disadvantageous fee is charged, the transaction fee being changed from zero to a predetermined amount, reduced from the predetermined amount, or reduced to zero in addition. <P>SOLUTION: An automated teller machine 1 which has a notification means 10 and performs transaction with a user P includes: a storage part 17 storing transaction condition information 170 for each time zone and notification information to be output to the notification means 10; a clock part 18 for measuring present time information; and a control part 16 which reads out the present time information from the clock part 18 in response to selection of a transaction and, in a time zone when a transaction condition is switched by the present time information, outputs the present time information to the notification means 10 together with the notification information and then continues the transaction. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

The present invention relates to an automatic transaction apparatus that is installed at a business base of a financial institution and performs a transaction by a user operation.

2. Description of the Related Art Conventionally, transaction fees for using an automatic transaction apparatus are charged different rates depending on transaction types such as withdrawal transactions and transfer transactions, and also on transaction time zones. This transaction fee is highlighted in an easy-to-see manner to shorten the time for confirmation by the customer and improve the operating efficiency of the automatic transaction apparatus (for example, Patent Document 1).

Further, when the transaction time passes a predetermined time, a transaction fee may be charged. Even customers who are queued up in the transaction queue before the predetermined time may have passed the predetermined time when they perform a transaction operation. Even in such a case, when it is determined that the user is in front of the automatic transaction apparatus before a predetermined time, there is a case where a transaction can be performed under the transaction conditions before the predetermined time (for example, Patent Document 2).
JP 2007-140881 A (paragraphs 0018 to 0019, FIG. 2) JP 2006-139482 A (paragraphs 0010 and 0019)

In the technique disclosed in Patent Document 1, the fee display screen is displayed before the transaction card is inserted, or the fee display screen is highlighted and displayed after the transaction card is inserted. If you use, you will wait until the user finishes the transaction. Users who are queued in such a transaction queue will be charged a fee if the fee is queued at the start of the transaction even if the fee is queued in the transaction queue. If you do not accept it, you will not be able to trade, and it will be a service that is unsatisfactory for users.

In order to deal with such a problem, the technique disclosed in Patent Document 2 captures users queued in a transaction queue with a wide-angle camera at the time when a fee is charged, and automatically uses the face image before charging. If it is determined that the customer was in front of the transaction device, the fee is not charged.
However, the transaction fee may be switched from a predetermined amount to a lower amount, or may be switched to a free amount, other than charging from a free amount to a predetermined amount. Even at the time of switching to such a low price (including free), if it is determined that the customer was in front of the automatic transaction apparatus before switching, the fee before switching is charged.

With respect to such a problem, the first invention starts the transaction with the approval that the fee has been changed for the transaction immediately after the transaction conditions (for example, the fee is changed). In the second invention, even if the fee is switched at the time of being queued in the transaction queue, it is set and notified so as to be beneficial to the user depending on whether the switched fee is increased or decreased.

The present invention is an automatic transaction apparatus that has a notification means and performs a transaction with a user, a storage unit that stores transaction condition information for each time zone and notification information output to the notification means, and current time information When the transaction is selected, the current time information is read from the clock unit, and when the transaction condition is switched by the current time information, the current time information is added to the notification information. And a control unit for continuing the transaction after outputting to the notification means.
Or it is an automatic transaction apparatus which has a notification means and performs a transaction with a user, and stores the storage condition information for each transaction time zone and the notification information to be output to the notification means, and the current time information Providing a clock unit, and a user number recognition unit for specifying the number of users using the automatic transaction apparatus,
The number of users is specified by information from the user number recognition unit, stored as the number of customers waiting for a transaction in the storage unit, and when the transaction is selected, the current time information is read from the clock unit, When it is a time zone when the transaction conditions are switched according to the current time information, the transaction unit includes a control unit that adds time information to the notification information and outputs the notification information to at least the transaction for the number of customers waiting for the transaction.

Even if the transaction conditions are changed, the user accepts the changed transaction conditions and starts the transaction. Furthermore, even when the transaction conditions change at the time in the transaction queue, Since the transaction conditions that are beneficial are set and notified, there is an effect that the user can perform a transaction that is convinced with the transaction conditions.

Below, the example of the automatic transaction device by the present invention is described using a drawing.

Embodiments will be described below with reference to the drawings. FIG. 2 is a control block diagram of the automatic transaction apparatus of the present invention. In the figure, 1 is an automatic transaction apparatus (hereinafter referred to as ATM), 2 is a host computer managed and maintained by a financial institution, and user information such as account number, name and deposit / savings balance information for each user is stored. It has a stored storage device 3. In addition to the account number, the storage device 3 stores a personal identification number and transaction history information. A communication line 4 is connected to an interface unit (not shown) of the ATM 1.

ATM1 can perform deposit transactions, withdrawal transactions, transfer transactions, passbook entry and various notifications by user operation, and is installed in the main branch of a financial institution or an unmanned store at a branch office. Reference numeral 10a denotes an operation unit, which includes a transaction input key for the user P to input a transaction operation. Reference numeral 10b denotes a display unit for displaying guidance at the time of transaction operation with characters and symbols, and further with illustrations and moving images. In addition, the touch panel 10c which scanned the infrared rays etc. in the matrix form on the upper surface of the display part 10b is comprised. Including these, the user operation display unit 10 is used as a notification unit.

Reference numeral 11 denotes a passbook processing unit which performs a printing process on a passbook (not shown) inserted from a passbook insertion / return port. Further, a user information reading / updating means, a print page line detecting means, and a revision are provided by a mechanism not shown. It has page means.
A card processing unit 12 reads the information from a user identification card (hereinafter referred to as a cash card) in which user information such as a code for each financial institution, a user account number, and a name is stored. Have A cash card is inserted through a card insertion / return port connected to the front side of the card processing unit 12 and is returned at the end of the transaction. A statement slip processing unit 13 prints transaction details and performs print issue processing of transaction statement slips issued to the user P according to the procedure described later.

14 is a banknote deposit / withdrawal unit, which authenticates and counts the banknotes deposited by the user P, conveys them and stores them in a denomination safe deposit box (not shown), or stores banknotes paid to the user P by denomination It is delivered from the safe and transported to the withdrawal port. A coin deposit / withdrawal unit 15 authenticates and counts coins deposited by the user P, transports them and stores them in a denomination safe deposit box (not shown), or stores coins paid to the user P by denomination It is delivered from the safe and transported to the withdrawal port. Note that banknotes and coins are collectively referred to as money. Also, the money that has been paid out from the denomination safe and temporarily accumulated in the withdrawal port can be taken out by the user P by opening the shutter.

Reference numeral 16 denotes a control unit that controls the above-described units, and also controls a storage unit 17 configured by a RAM, a ROM, a hard disk, or the like in which a process execution program and various data are stored. The storage unit 17 also stores transaction condition information 170 for each transaction type. The transaction condition information 170 is, for example, as shown in FIG. 3 (details will be described later).
Furthermore, it has an interface part which is a connection port with the host computer 2. Reference numeral 18 denotes a clock unit, which has a time counting function for outputting current time information and a calendar function for recognizing the current transaction date as a weekday, a weekend or a holiday. The clock unit 18 outputs day of the week, time information, and the like according to instructions from the control unit 16.
In addition, in order to provide the function of ATM1, in addition to the power supply unit that supplies power to each unit, the proximity detection function that detects the approach of the user to ATM1, various functions and configurations are provided. Description and description are omitted because they are not related to the present invention.

Next, the transaction condition information 170 stored in the storage unit 17 will be described with reference to the diagram showing the relationship between usage time and fee shown in FIG. In the first embodiment, a transaction fee that varies depending on a transaction time zone will be described as an example of transaction conditions. First, the transaction fee is charged for a withdrawal transaction or a transfer transaction, and is not charged for other transactions (such as deposit transaction, book transaction, balance inquiry, etc.). This fee varies depending on the day of the week and the time of day of trading. In FIG. 3, Mondays are 0 yen from 0 am to less than 7 am, 110 yen from 7 am to less than 9 am, and free after 9:00 am until 6 pm . And after 6pm, it will be 110 yen until 11pm, and after 11pm it will be 220 yen.
On Saturdays, a fee of 110 yen is required from 7 am to 11 pm. Further, after 11 pm, the transaction is canceled until 0 am. Such information differs depending on the self-run / other-line handling, etc., but is not related to the present application, and is simplified for convenience of explanation.

A processing example in the case of performing a withdrawal transaction will be described with reference to an operation flowchart of the first embodiment of the present invention shown in FIG. 1 and a display example of a transaction guidance screen shown in FIG. Note that S means a step.
S1. When the user P approaches ATM1, an approach detector (not shown) detects this, and the control unit 16 displays a transaction item selection screen on the display unit 10b by the processing operation program stored in the storage unit 17. Moreover, let the operation part 10a be transaction input mode.
In the following description, since the touch panel is used, the operation unit 10a is input by touching the display portion of the operation key displayed on the display unit 10b.

S2. When the user P selects the “payment” key on the transaction selection screen of the display unit 10b, the touch panel 10c detects the touch position, and the control unit 16 detects the bankbook processing unit 11, the card processing unit 12, and the banknote. The deposit / withdrawal unit 14 and the coin deposit / withdrawal unit 15 are set to the withdrawal transaction mode.

S3. By determining the withdrawal transaction mode, the control unit 16 first inquires the clock unit 18 about the current day / time information as the current time information. The clock unit 18 returns the day of the week information and the current time information to the control unit 16 in minutes from the time counting function or the calendar function. The transaction start time is specified by the current day / time information.
S4. The control unit 16 searches the transaction condition information 170 stored in the storage unit 17 based on the obtained current day / time information. For example, if it is 14:30 on Monday, it will enter the transaction time zone from 9:00 to 18:00, and the fee will be 0 (zero) yen. Moreover, if it is 18:03, it will enter into the transaction time zone 18: 00-23: 00, and a commission will be 110 yen.

S5. The control unit 16 compares the current day of the week / time information with the transaction time zone information, and calculates an elapsed time T1 after switching of the transaction conditions (which will be described as a transaction fee in the present application). If the previous 14:30, then 5 hours and 30 minutes have passed since 9 o'clock, and if 18:30, 3 minutes have passed since 18:00.
The control unit 16 determines whether or not this elapsed time T1 is within a predetermined confirmation display time T0 (in this example, 5 minutes). That is, after the transaction fee is switched, if it is less than 5 minutes, the process proceeds to the next step S6, and if it is 5 minutes or more, the process proceeds to step S8 described later.

S6. The control unit 16 causes the display unit 10b to display a transaction guide screen as shown in FIG. The screen information is displayed by fitting and combining the current time information 102 and the fee information 103 stored in the transaction condition information 170 with the template image information stored in the storage unit 17.
From the displayed transaction condition guidance display 100, the user P can recognize from the notification information that “the current withdrawal transaction costs 110 yen”. In addition to the screen display, the notification means can be a notification by voice and can also be used for both.

S7. When the control unit 16 detects that the user P presses the confirmation key 104 shown in the transaction guide screen displayed as shown in FIG. 4A, the fee is charged, that is, the transaction condition is accepted. As a result, the process proceeds to step S8. Here, if the cancel key 105 is pressed, the user P has determined that the user P has not consented for some reason, and the process proceeds to step S9.
S8. The control unit 16 displays “Please insert card” on the display unit 10b. When the user P inserts the cash card from the card insertion / return port, the cash card is taken to the card processing unit 12 and the stored user information (at least the account number) is read. Further, if a passbook is inserted, it is taken into the passbook processing unit 11 and the recorded information is read.

S9. Since the control unit 16 has determined that the transaction has not been accepted in step S7, the control unit 16 displays a transaction guide screen (not shown) asking whether to cancel the transaction itself or change to another transaction.
S10. When the user P presses the cancel button in step S7, the withdrawal transaction mode selected in step S1 is canceled. Further, a transaction guide screen (not shown) is displayed, and when the change button on the screen is pressed, the transaction selection screen is returned to the display of the transaction selection screen in step S1, and the transaction is allowed again in the same procedure.

After S11., The normal withdrawal process will proceed.
First, the control unit 16 causes the display unit 10b to display “Please enter your password” and prompts you to enter your password with the number of digits determined for each user. When the user P inputs the personal identification number, the inputted personal identification number information and user (account) information are transmitted to the host computer 2. The host computer 2 compares the account number and personal identification number information in the storage device 3 and returns a transaction permission signal to the ATM 1 if they match.

When the control unit 16 receives a signal indicating that the transaction is possible from the host computer 2, the control unit 16 displays a transaction induction screen for requesting input of the desired payment amount. User P uses the numeric keypad to input the desired withdrawal amount. The control unit 16 operates the banknote deposit / withdrawal unit 14 and the coin deposit / withdrawal unit 15 in accordance with the desired withdrawal amount, pays out a predetermined number of coins of a predetermined denomination, and conveys them to the withdrawal port. At this time, the shutter is closed.

The control unit 16 activates the statement slip processing unit 13 to print the transaction statement slip and convey it to the discharge port. On the transaction statement slip processed through step S6, a printing signifying that the transaction fee has been accepted is performed. As a result, it can also be used as information when responding to an inquiry later.
In parallel with this operation, the cash card is also transported to the card insertion / return slot. On the other hand, “Please take out the card” is displayed on the display unit 10b. It is monitored that the user P extracts the cash card and the transaction statement. When a detector (not shown) detects that the cash card and the transaction statement slip have been extracted, the shutter is opened and money is dispensed to the user P.

When detecting the completion of the shutter closing operation, the control unit 16 transmits a signal indicating the end of the transaction to the host computer 2. The host computer 2 updates the user information (at least the deposit and saving balance amount information) in the storage device 3 and stores the transaction history information in addition to the confirmation operation input on the screen shown in FIG. To end the transaction.

In the example described above, the transaction guide screen as shown in FIG. 4 (a) is displayed only for a predetermined time immediately after switching when a predetermined amount of money is required since the fee is free (0 yen). In addition, it is also possible to display only for a certain period of time after switching from a time zone where a transaction fee is charged to a free time zone. In this case, the process proceeds to the next step without displaying a confirmation or cancel button and after a predetermined time (for example, about 3 seconds) has elapsed.

Next, Example 2 will be described.
In the second embodiment, in addition to the first embodiment, the user P who is waiting for a transaction is considered. For example, a customer visits a store at a time zone that does not require a fee (for example, 17:58), but a transaction queue has already been made, and when the user P starts a transaction, a time zone that requires a fee (for example, 18 hours). This is in consideration of the case where the time is 10 minutes).

There is a technique disclosed in Patent Document 2 for such an event. In this technique, it can be assumed that users who are lined up before a predetermined time when the transaction conditions are switched are executed under the transaction conditions before the predetermined time. Therefore, in the case of the transaction conditions as shown in FIG. 3, for example, a user who is queued at 6:58 am will keep the fee at 220 yen even if the transaction start time is past 7 o'clock. There is a problem that it is not set at 110 yen, which is a expensive fee.
The second embodiment controls to apply only when the fee increases when the transaction conditions (fee) are switched. By doing in this way, it becomes a transaction condition advantageous for a user. The transaction conditions that are advantageous to the user include cases in which benefits such as the granting of service points are taken into account in addition to fees.

FIG. 5 is a conceptual diagram of a transaction queue according to the second embodiment of the present invention, and FIG. 6 is a conceptual diagram of a camera image according to the second embodiment of the present invention. In the figure, reference numeral 5 denotes a monitoring camera as a user number recognition unit, which can take an image in a field of view as shown in FIG. 6, and a driving power source is obtained from a power supply means (not shown), and its control is The control part 16 of ATM1a controls. The surveillance camera 5 is configured to be able to rotate in the horizontal and vertical directions. When the user P does not fit within the field of view of one frame, the panning / tilting operation is performed, but the description is omitted.
The number-of-users recognition unit 5 identifies the number of users by image analysis from camera images, but is not limited to this. For example, the number of users is from a pressure-sensitive mat laid on the floor. The number may be specified.

Reference numeral 19 denotes an internal camera incorporated in the ATM 1a, which mainly shoots a face image of the user P who is dealing. In addition, ATM1a also has each part shown in the control block diagram shown in FIG.
An electronic journal unit 20 is a storage device that temporarily stores transaction history information. The electronic journal unit 20 can store images taken by the monitoring camera 5, and can read out images stored in accordance with instructions from the control unit 16 and display them on the display unit 10b. Note that this display operation is performed by an attendant operation by means not shown.

Next, the operation will be described.
FIG. 7 is an operation flowchart of the second embodiment of the present invention, and FIG. 8 is a diagram for explaining the relationship between the use time and the fee in the second embodiment of the present invention.
In Fig. 8, the fee is 110 yen from 7:00 to 8:59, and from 18:01 to 23:00, and there is no fee (free) from 9:00 to 18:00. explain. T2 and T3 are grace periods, and even if they are in the queuing queue before 8:59 in the grace period T2, the commission is free if the transaction start time is after 9:00 . Further, even if the transaction is started after 18:00 in the transaction grace time T3, it is time information for making the fee free if the time queued in the transaction queue is 18:00. This transaction guidance screen is displayed for each customer (number of customers) in the transaction queue recognized by the monitoring camera 5 until the last user P's operation.

The operation will be described according to the operation flowchart of the second embodiment.
S21. The clock unit 18 uses the timer function to transmit a signal indicating switching of transaction conditions to the control unit 16 at a predetermined time (for example, a time when the fee charge is switched).
S22. The control unit 16 controls the monitoring camera 5 to capture an image of the user P in the transaction queue before the ATM 1a. This shooting is performed as on-site information at the switching time regardless of whether there is a queued user P as a still image.
The still image may be a moving image for a predetermined time (seconds), or is shot for several frames, and control is performed to extract an image that can identify at least the upper body appearance from the image. . Further, after switching, an image after a certain time has elapsed is acquired. For example, 8:59 and 9 o'clock, 18 o'clock and 18: 1.

S23. The control unit 16 recognizes the number of customers in the transaction queue (in FIG. 5 and FIG. 6, three persons including users who are in transaction) from the image taken by the monitoring camera 5. This human body recognition technique is well known and will not be described in detail. The number of customers in this transaction queue is stored in the storage unit 17 and image information is stored in the electronic journal unit 20. The concept of the image 201 is as shown in FIG. 6, and time information 202 taken as time information from the clock unit 18 is added.
The information on the number of customers in the transaction queue stored in the storage unit 17 is decremented every time the proximity detector detects an approach from the absence of a user and is traded.

S24. When the user P approaches the ATM 1a, an approach detector (not shown) detects this, and the control unit 16 displays a transaction item selection screen on the display unit 10b by the processing execution program stored in the storage unit 17. Moreover, let the operation part 10a be transaction input mode.
Also in the following description, the operation unit 10a is input by touching the display part of the operation key displayed on the display unit 10b because of the touch panel type.
S25. When the user P selects the “payment” key on the transaction selection screen of the display unit 10b, the touch panel 10c detects the finger touch position, and the control unit 16 detects the bankbook processing unit 11, the card processing unit 12, and the bill insertion / removal. The gold part 14 and the coin deposit / withdrawal part 15 are set to the withdrawal transaction mode.

S26. The control unit 16 first inquires the clock unit 18 about the current time information by determining the withdrawal transaction mode. The clock unit 18 returns the current day / time information to the control unit 16 in minutes from the calendar function and the clock function. The transaction start time is specified by the current day / time information.
S27. The control unit 16 searches the transaction condition information 170 stored in the storage unit 17 based on the obtained current day of the week time information. For example, if it is 10:30 on Friday, it will enter the transaction time zone from 9:00 to 18:00, and the fee will be 0 (zero) yen. In addition, if it is 8:55, it will enter the transaction time zone from 7:00 to 9:00, and the fee will be 110 yen.

S28. The control unit 16 compares the current day / time information with the transaction time zone information, and calculates the difference between the transaction condition switching time. If the previous 10:30, 1 hour 30 minutes have passed since 9:00, and if it is 8:55, there will be another 5 minutes until the time when the fee from 9:00 becomes free.
The control unit 16 determines whether or not the current time is within a predetermined confirmation display time T0 (here, 5 minutes). That is, after the transaction fee is switched, if it is a predetermined time T0 (less than 5 minutes), the process proceeds to the next step S29, and if it is outside the confirmation display time T0 (5 minutes or more), the process proceeds to step S36 described later.

S29. When it is the time zone when the transaction conditions are switched, the control unit 16 reads the customer number information in the transaction queue from the storage unit 17 storing the customer number information in the transaction queue in step S23. When the customer number information in the transaction queue is “0 (zero)”, there is no user P waiting for the transaction, and the process proceeds to step S36 described later.
If the number of customers in the transaction queue is “other than 0 (zero)”, it is determined that there are one or more customers in the transaction queue, and the process proceeds to the next step S30.
S30. The control unit 16 reads fee information as transaction condition information before and after switching from the time zone when the transaction fee is switched. For example, in the case of transaction condition information as shown in FIG. 3, the fee will shift from a high amount (220 yen) to a slightly low amount (110 yen) after 9 o'clock, and at 18:00 the fee will be low (free) ) Will be shifted to a slightly lower price (110 yen).

S31. When the fee is increased, the control unit 16 causes the display unit 10a to display a transaction guide screen as shown in FIG. Since this display is for the user P who has been in the transaction queue before switching to the increase even if the fee has increased at the start of the transaction, the transaction is performed with the fee before the increase (free in the figure).
S32. The control unit 16 deletes the display when a predetermined time (for example, 3 seconds) elapses after displaying the fee confirmation display, and proceeds to the next step.

S33. If the user P is not in the transaction queue at step S29, the transaction guidance screen shown in FIG. 4 (a) is displayed. This user P requests confirmation (acceptance) of the charge of the fee by the user as a user who has visited the store after the fee has been switched (not a user who is queued in the transaction queue).
S34. If the “Confirm” button 104 on which the user P is displayed is pressed, it is assumed that the user has agreed to bear the fee, and the process proceeds to the next step. Here, when the “cancel” button 105 is pressed, it is determined that the user does not agree, and the process proceeds to step S9 described in the first embodiment.

S35. When the fee is reduced in step S30, the control unit 16 causes the display unit 10a to display a transaction guide screen as shown in FIG. This display is for user P who was in the transaction queue before switching to reduction, but since the fee is reduced at the start of the transaction, the transaction is made with the fee after the fee is switched to reduction. Do.
In this way, the store visits at the time when the transaction conditions change, and at least the user P queued up in the transaction queue is processed so as to be an advantageous fee, so the store visits at the time when the fee is changed and is crowded. You can trade with confidence even if you are. In addition, since the user P who has visited the store just before the time to switch to a low price is added to the transaction queue according to the congestion situation without waiting for switching outside the queue, there is no wasteful waiting time.

S36. The control unit 16 displays “Please insert card” on the display unit 10b. When the user P inserts the cash card from the card insertion / return port, the cash card is taken to the card processing unit 12 and the stored user information (at least the account number) is read. Further, if a passbook is inserted, it is taken to the passbook processing unit 11 and the stored information is read.

After S37, normal withdrawal processing will proceed.
First, the control unit 16 causes the display unit 10b to display “Please enter your password” and prompts you to enter your password with the number of digits determined for each user. When the user P inputs the personal identification number, the inputted personal identification number information and user (account) information are transmitted to the host computer 2. The host computer 2 compares the account number and personal identification number information in the storage device 3 and returns a transaction permission signal to the ATM 1 if they match.

When the control unit 16 receives a signal indicating that the transaction is possible from the host computer 2, the control unit 16 displays a user guidance screen requesting input of a desired payment amount. User P uses the numeric keypad to input the desired withdrawal amount. The control unit 16 operates the banknote deposit / withdrawal unit 14 and the coin deposit / withdrawal unit 15 in accordance with the desired withdrawal amount, pays out a predetermined number of coins of a predetermined denomination, and conveys them to the withdrawal port. At this time, the shutter is in the closed state as in the first embodiment.

The control unit 16 activates the statement slip processing unit 13 to print the transaction statement slip and convey it to the discharge port. In the case of a transaction that has passed through step S33, a print signifying that the transaction fee has been accepted is performed. As a result, it can also be used as information when responding to an inquiry later.
In parallel with this operation, the cash card is also transported to the card insertion / return slot. On the other hand, “Please take out the card” is displayed on the display unit 10b. It is monitored that the user P extracts the cash card and the transaction statement. When a detector (not shown) detects that the cash card and the transaction statement slip have been extracted, the shutter is opened and money is dispensed to the user P.

When detecting the completion of the shutter closing operation, the control unit 16 transmits a signal indicating the end of the transaction to the host computer 2. In the case of the processing that has passed through step S30, the customer number information in the transaction queue is rewritten to a value reduced by “1”. Then, the host computer 2 updates the user information (at least the deposit and saving balance amount information) in the storage device 3 and ends the transaction.

The information regarding the fee when the conditions are advantageous for the user P may be displayed during the transaction, that is, during the transaction processing such as during communication with the host computer as shown in FIG. By doing so, it is possible to reduce the time for performing only the confirmation display although it is a unit of several seconds, and it is possible to prevent a decrease in the processing speed as a whole.

Although the present invention has been described by taking the increase and decrease of the fee as an example of the transaction condition, it is not limited to this. That is, it goes without saying that the time for confirmation is set for each day of the week or store, as well as when switching to a time zone where the transaction is canceled, such as after 23:00 on Saturday and Sunday shown in the example of FIG. . Furthermore, the guidance display 105 as a transaction guidance screen as shown in FIG. 9B can be performed, and various cooperation requests can be displayed to the user P when the transaction end time has passed. .

Furthermore, if at least two frames (Fig. 6 and Fig. 10) after a change of the transaction conditions and a few minutes later are stored as recorded images for a certain period of time, an image can be sent to an inquiry from a user who has traded at the change time of the transaction conditions. If it is used as information, it can be used to process complaints from users.
These correspondences can also be displayed by lobby staff, but there is a privacy problem for other users, so the face image is masked and the initial display only with clothes etc., and users with matching clothes If it is recognized, a face image can be displayed.

It is an operation | movement flowchart of Example 1 of this invention. It is a control block diagram of the automatic transaction apparatus of Example 1 of this invention. It is explanatory drawing which shows the example of transaction condition information of Example 1 of this invention. It is explanatory drawing which shows the example of a display of the transaction guidance screen of Example 1 of this invention. It is a conceptual diagram of the transaction queue of Example 2 of this invention. It is a conceptual diagram of the recorded image of Example 2 of this invention. It is an operation | movement flowchart of Example 2 of this invention. It is explanatory drawing which shows the example of transaction condition information of Example 2 of this invention. It is explanatory drawing which shows the example of a display of the transaction guidance screen of Example 2 of this invention. It is a conceptual diagram of the recorded image of the modification of this invention.

Explanation of symbols

1, 1a Automatic transaction equipment (ATM)
5 Number of users recognition section (surveillance camera section)
10 Notification means (user operation display)
10b Display unit 16 Control unit 17 Storage unit 18 Clock unit 170 Transaction condition information P User

Claims (6)

An automatic transaction apparatus that has a notification means and performs a transaction with a user,
A storage unit storing transaction condition information for each time zone and notification information to be output to the notification means,
A clock section that keeps time information,
When the transaction is selected, the current time information is read from the clock unit, and when the transaction conditions are switched by the current time information,
An automatic transaction apparatus comprising: a control unit that adds the current time information to the notification information and outputs the information to the notification means, and then continues the transaction. The automatic transaction apparatus according to claim 1, wherein the notification to the notification means is executed only for a predetermined time after the transaction conditions are switched. An automatic transaction apparatus that has a notification means and performs a transaction with a user,
A storage unit storing transaction condition information for each time zone and notification information to be output to the notification means,
A clock section that keeps time information,
A number-of-users recognition unit for specifying the number of users using the automatic transaction apparatus;
The number of users is specified by information from the number-of-users recognition unit, and stored in the storage unit as the number of customers waiting for transactions,
When the transaction is selected, the current time information is read from the clock unit, and when the transaction conditions are switched by the current time information,
An automatic transaction apparatus comprising a control unit that adds time information to the notification information and outputs the information to the notification means for at least the number of customers waiting for the transaction. 4. The automatic transaction apparatus according to claim 3, wherein the transaction for at least the number of customers waiting for the transaction based on information from the number-of-users recognition unit is performed under the transaction conditions before switching even after the transaction conditions are switched. The number-of-users recognition unit shall identify the number of users by image analysis of taking a transaction queue,
4. The automatic transaction apparatus according to claim 3, wherein when the transaction conditions are switched, the user number recognition unit is operated to analyze the captured image and record at least the captured image information together with the time information. 4. The automatic transaction apparatus according to claim 1, wherein the transaction condition is fee information related to the transaction.

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