JPH07129813A - Automatic transaction machine - Google Patents

Abstract

(57) [Summary] [Object] The present invention focuses on distinguishing processing between a general user and a specific user, and makes a distinction determination at the time of transaction of a specific user whose identity is known to be highly reliable. The purpose of the present invention is to provide an automatic transaction machine that can relax the standards and trade with an increased discrimination allowance range. According to the present invention, there is provided an automatic transaction machine for automatically transacting by validating currency entered by a user by a discriminating section, and inputting specific data for identifying a specific user during automatic transaction. It is characterized in that it is provided with a specific data input means to be made to perform and a control means for relaxing the discrimination judgment standard of the discrimination section when the specific data inputted via the specific data input means are collated and confirmed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction machine such as an automatic money changer installed in a financial institution, and more specifically, to increase the discrimination range of currency to improve the automatic transaction operability of a specific user. Concerning the enhanced automated teller machine.

[0002]

2. Description of the Related Art Generally, this type of automatic transaction machine guides the money inserted by a user to a discrimination section for discrimination, and when the discrimination result is valid, the automatic transaction is permitted. At the time of this discrimination, if the discrimination judgment standard is set high, the fraud prevention performance is enhanced, but the judgment standard becomes strict and the rejection rate of money increases, and the false judgment frequency that even true money is treated as false money. And the convenience of the user is impaired. On the other hand, if the judgment criteria at the time of discrimination are relaxed in order to improve convenience, the fraud prevention performance is lowered, the transaction risk is increased, and the reliability is lowered. Further, there is provided a processing method in which a plurality of determination criteria are prepared in advance and the determination criteria corresponding to the damage situation of the inserted money are identified and identified (see, for example, Japanese Patent Publication No. 59-21079).

However, in this case, since the determination processing is uniformly performed by the high-precision determination standard set for each, the discrimination allowable range is narrow and the discrimination processing capability is improved for a specific user who is not at risk of wrongdoing. There was a limit to it. In addition, there is also provided a device that limits the users and simplifies the transaction operation of the user by reading the card data of the transaction user during automatic transaction, but in this case as well, there is no fear of fraud. It was not possible to increase the discrimination allowance range for specific users, and there was a limit to improving convenience.

[0004]

SUMMARY OF THE INVENTION Therefore, the present invention focuses on distinguishing processing between a general user and a specified user, and distinguishes it during a transaction of a specified user whose identity is known to be highly reliable. The purpose is to provide an automatic transaction machine that can relax the judgment criteria and can trade in a state where the discrimination allowable range is increased.

[0005]

SUMMARY OF THE INVENTION The present invention is an automatic transaction machine for automatically transacting by discriminating the validity of money inserted by a user in a discriminating section, and for identifying a specific user during automatic transaction. The specific data input means for inputting the specific data and the control means for easing the discrimination determination standard of the discrimination section when the specific data input through the specific data input means are collated and confirmed. And

[0006]

According to the present invention, when the specified user inputs the specified data through the specified data input means during the automatic transaction, the control means collates and confirms the inputted specified data, and the specified user If it is confirmed that there is, the discrimination determination standard of the discrimination unit is relaxed and the discrimination processing is performed.

[0007]

As a result, when a specific user makes an automatic transaction, the discrimination judgment standard of the discrimination section is relaxed to discriminate in a state where the discrimination allowable range is increased, and as a result, discrimination of the specific user is performed. The processing capacity will be improved, and the acceptance rate of input money will be increased, improving the convenience of specific users.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. The drawing shows an automatic money changer. In FIG. 1, the automatic money changer has a touch input / display 12, a coin inlet / outlet 13, a banknote inlet / outlet 14, and a card inlet / outlet 15 on the upper front surface of an apparatus main body 11. It is structured so as to be ready for customer service.

The above-mentioned touch input indicator 12 has a display function for displaying the exchange guidance procedure and a touch input function for providing a touch input by providing a transparent contact switch corresponding to the display key for which the display guidance is given. The input screens required for the exchange are sequentially displayed on the touch input display 12 for the exchange operation.

The coin inlet / outlet port 13 accepts 6 denominations of 500-yen coin, 100-yen coin, 50-yen coin, 10-yen coin, 5-yen coin, and 1-yen coin, and the banknote doorway 14
Accepts three denominations of 10,000 yen bills, 5,000 yen bills, and 1,000 yen bills.

Further, the card entrance / exit 15 is provided to allow an ID card to be inserted therein, and when the ID card is inserted, it is determined that the user is a specific user whose collation can be confirmed, and the exchange process is performed separately from the general user.

FIG. 2 shows a block diagram of a control circuit of the automatic money changer. The CPU 21 controls each circuit device according to a program stored in the ROM 22 and stores the control data in the RAM.
It is stored so that it can be read at 23.

The ID card processing unit 24 displays the inserted ID
The card is taken in through the card entrance / exit 15, and the card data of the inserted ID card is read to check whether or not the user is a specific user. In the case of a specific user, the identity is known and reliability is high. Relax the discrimination criteria when exchanging money for exchanging money.

The coin processing unit 25 releases the coin denomination and quantity corresponding to the input data to the coin outlet 13 based on the exchange input data designated by the customer at the time of inputting the exchange setting, and also the bill processing unit. Numeral 26 is a processing for taking in the original money bills inserted at the time of inputting the exchange setting from the bill entrance / exit 14, and based on the exchange input data designated by the customer for the exchange original money, the bills desired for exchange corresponding to the input data are introduced into the bill entrance / exit. Release processing from 14. In addition, the shutter opening / closing unit 27
Controls opening / closing of the shutter of the coin slot 13 and the shutter of the banknote slot 14 during the exchange operation.

The print processing unit 28 prints and records transaction data at the time of exchange transaction, and prints and manages exchange transaction data and its ID information in the case of a specific user.

FIG. 3 shows the discrimination processing operation of the bill discriminating section showing a bill as an example. This is a photoelectric detection consisting of a light projector and a light receiver in the conveyance width direction of the nipping conveyance path 32 for nipping and conveying the bill 31. Shaped first to third bill detection sensors S1 to S
When the banknotes 31 are arranged and the banknotes 31 pass the sensor position via the nip conveyance path 32, the first to third banknote detection sensors S1 to
The bill is discriminated by optically detecting and determining in S3.

In this case, the first banknote detection sensor S1 and the third banknote detection sensor S3 on both sides in the width direction detect the banknote discrimination waveform, and the second banknote detection sensor S2 in the central portion detects and confirms the banknote. Of these, the second bill detection sensor S2
Detects the leading edge and the trailing edge of the banknote 31 that has been conveyed, detects and confirms the conveyance passage state of the banknote, and while confirming this detection, as shown in FIG. The detection sensors S1 and S3 detect the output voltage waveform at the time of bill detection.

At this time, the output voltage waveform shown by the imaginary line in FIG. 4 is the discrimination reference values 41, 42 stored and set in advance.
The output voltage waveforms 43 and 44 actually detected and measured along this line are obtained as shown by the solid line in FIG. The measured waveform shows a tendency similar to that of the stored waveform, but the details do not match due to bill stains and the like, and the matching degree at this time is taken as a discrimination reference value. If the normal discrimination standard value is equal to or more than 80%, it is determined as a genuine bill. Therefore, if the discrimination criterion is relaxed to about 60%, the discrimination allowable range is sufficiently increased.

For example, in FIG. 4, when the measured output voltage waveform of the sensor is found to be approximately 70% coincident with the measured value, the discrimination standard value is 80% or less, so that the discrimination is judged to be defective. If you apply the discrimination criteria
Since it is determined to be 60% or more, it is determined to be a genuine note, and it is effectively handled and currency exchange is permitted.

Therefore, in the case of a specific user who is not at risk of fraud, it is not necessary to tighten the discrimination accuracy, so that the discrimination judgment standard can be relaxed to increase the discrimination allowable range and the acceptance refusal rate can be reduced. You can make high-value exchange transactions. Further, when the ID card is used, the exchange transaction data of the specific user and the ID information thereof are recorded and managed, so that the user can be identified in the case of the specific user even if fraud is later discovered. Even if the standards are relaxed, fraud prevention effects can be expected. Further, although the photoelectric detection type sensor is used for the discrimination determination, a magnetic sensor or the like may be used in addition to the photoelectric detection type sensor to deal with the same problem.

The processing operation of the automatic money changer thus constructed will be described with reference to the flowchart of FIG. When the customer uses the automatic money changer 11 to exchange money, the CPU 21 initializes the discrimination criterion to standard (step n1) prior to the exchange transaction, and then inserts an ID card and inserts bills. Wait in the allowed state (step n2 ~
n3), at this time, for example, if only a bill is inserted, it is determined that the operation is a general user's exchange operation, and the insertion of the card is restricted (steps n4 to n6).

At the time of this general user's exchange operation, bills inserted with the discrimination judgment standard as standard are discriminated (step n7). If the bill is discriminated as a true currency bill that is valid for the exchange transaction during this discrimination processing, the customer's exchange request denomination is accepted, the exchange processing is executed, and the exchange transaction data at that time is printed and recorded and the exchange transaction ends (step). n8 to n1
1). If it is determined that the inserted banknote is a defective banknote, the inserted banknote is returned (step n12).

By the way, when an ID card is inserted into the card entrance / exit 15 during this exchange transaction, I
The D card processing unit 24 reads the data of the ID card, stores and manages the data, and restricts the re-insertion of the card.
1 determines the validity of the card data (step n13-
n14).

At this time, if the card data of the inserted ID card is valid, after recording the data, the CP
U21 relaxes and operates the discrimination criteria. On the other hand, when the card data is invalid, the discrimination criterion is operated as standard (steps n15 to n16).

When a bill for currency exchange is inserted in a state where the discrimination criterion is relaxed, the inserted bill is discriminated by the relaxed discrimination criterion and the currency exchange process is executed. At this time, since the discrimination allowance range is wide, even if the paper quality is deteriorated or slightly deformed, it is accepted and effectively handled, and the serviceability for the specific user is improved (step n1).
7).

As described above, when a specific user makes an automatic transaction, it is possible to perform discrimination in a state where the discrimination judgment standard of the discrimination section is relaxed and the discrimination allowable range is increased. As a result, the discrimination processing capability of the specific user can be improved, and the acceptance rate of the input money is increased to improve the convenience of the specific user.

In the correspondence between the configuration of the present invention and the above-described embodiment, the automatic transaction machine of the present invention corresponds to the automatic money changer of the embodiment, and hereinafter, currency corresponds to coins and bills, The discrimination section corresponds to the first to third bill detection sensors S1 to S3, and the specific data input means is the ID card processing section 24.
The discrimination judgment standard corresponds to the discrimination standard values 41 and 42, and the control means corresponds to the CPU 21, but the present invention is not limited to the configuration of the above-described embodiment.

[Brief description of drawings]

FIG. 1 is an external perspective view of an automatic money changer according to the present invention.

FIG. 2 is a control circuit block diagram of the automatic money changer of the invention.

FIG. 3 is a plan view of a principal part showing an example of a discrimination process of a bill discriminating unit of the present invention.

FIG. 4 is an explanatory diagram showing an output voltage waveform of the detection sensor of the present invention.

FIG. 5 is a flowchart showing the processing operation of the automatic money changer of the present invention.

[Explanation of symbols]

 11 ... Device body 15 ... Card entrance / exit 21 ... CPU 24 ... ID card processing unit S1 to S3 ... Banknote detection sensor 41, 42 ... Discrimination reference value 43, 44 ... Output voltage waveform

Claims (1)

[Claims] 1. An automatic transaction machine for automatically transacting by validating the currency entered by a user by a discriminating section, and inputting specific data for identifying a specific user during automatic transaction. An automatic transaction machine comprising a data input means and a control means for easing the discrimination determination standard of the discrimination section when the specific data input via the specific data input means is collated and confirmed.