JPH1031778A - Automatic transaction equipment - Google Patents

Abstract

(57) [Summary] [Problem] When cash is forgotten by an automatic transaction device, the user is confirmed by the automatic transaction device without the intervention of a person in charge and the forgotten cash is returned to the user. . SOLUTION: A user who has made a transaction with an automatic transaction device,
When the cash collected at the cash outlet of the cash dispenser 5 is forgotten, the shutter of the cash outlet is closed, and an account number or the like for identifying the user obtained from the transaction information of the user who has forgotten the cash is Information such as a name is stored in the storage unit 9 as log information, and a screen is displayed on the display unit 1 to prompt a user who has forgotten to collect cash to insert a card. When the card is inserted into the card reader printer 3 within a certain period of time, the information such as the account number and name of the card is read, and the personal identification number is displayed on the display unit 1. Is displayed on the screen prompting the user to input the password, and the collation unit 10 collates the password read from the key input unit 7 and the information read from the card with the log information in the storage unit 9, and when the information matches, Open the shutter of the dispensing port and return the forgotten cash to the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device installed in a store of a financial institution, and more particularly, to a device user who forgets to collect cash at the end of a transaction when the user of the device forgets the cash. It is related to the technology for returning to Japan.

[0002]

2. Description of the Related Art Automatic transaction devices that can be operated by a user to perform various financial transactions such as deposit and withdrawal transactions and transfer transactions are installed in stores and the like of financial institutions. In order to start a transaction, a user inserts a card and then enters a password, a deposit / withdrawal amount, a transfer amount, etc. in order through a key input unit to conduct a transaction. At the end of the transaction, the card is used by the user. Is to be returned to

In this type of automatic transaction apparatus, cash paid to a user at the time of a withdrawal transaction and cash returned to the user at the time of a transfer transaction are accumulated in a cash slot having a shutter and extracted by the user. However, since the user performs the extraction of the card and the extraction of the cash separately, the user may be distracted by the extraction of the card or the like and forget to collect the cash.

[0004] In such a case, if the cash left behind is left as it is, it is expected that the cash will be taken to the user immediately after the cash is left. When a sensor or the like detects that cash has not been withdrawn for a certain period of time, it is determined that cash has been forgotten, the shutter of the dispensing port is immediately closed, and the cash that has been forgotten is removed from the predetermined amount in the device. It is intended to be taken into storage.

[0005] After that, if the user notices that he or she has forgotten to take cash, it is a general method that the user contacts a staff member of a financial institution or the like to have it returned after necessary procedures.

[0006]

However, according to the above-mentioned conventional technique, even if a user who has forgotten to take cash notices that he / she has forgotten to take it immediately after the shutter of the dispensing port is closed, he / she must contact a staff member or the like. There is a problem that it takes a considerable amount of time to return the cash you left behind because you have to return the cash you left behind, and the automatic transaction device is operated at night, on holidays, or in unmanned stores Is
There is a problem that the time required for return is longer.

[0007] In addition, if a staff member of a financial institution or the like asks a user to return a cash he / she has left, he / she not only goes to the automatic transaction apparatus to take out the cash he / she left, but also
There is a problem in that it requires a troublesome operation, such as the necessity of confirming the identity of the owner of the cash that has been forgotten and is a considerable burden. Therefore, an object of the present invention is to solve the problem of forgetting to take cash in an automatic transaction device.
The purpose of the present invention is to confirm the identity of a user with an automatic transaction device and return the forgotten cash to the user.

[0008]

SUMMARY OF THE INVENTION Therefore, the present invention reads information recorded on a card inserted by a user, and conducts a transaction based on the information entered by the user.
In an automatic transaction device that collects cash to be withdrawn in the withdrawal port along with the transaction and allows the user to withdraw the cash, if the user forgets to collect the cash accumulated in the withdrawal port, the Close the shutter, store the information that identifies the user who obtained the transaction information of the user who forgot cash as log information in the storage unit, and display a screen that prompts the user to insert a card on the display unit. When a card is inserted within a certain period of time, the input information obtained from the card and the user is compared with the log information in the storage unit, and the information on the card and the input information and the log information obtained from the user are compared. When the coincidence is established, the shutter of the dispensing opening is opened and the forgotten cash is returned to the user.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a first embodiment of the present invention. In the figure, reference numeral 1 denotes a display unit such as a CRT display or a liquid crystal display for displaying an operation guide screen for trading in the automatic transaction apparatus and information input by a user, and 2 denotes a display control unit for controlling the display unit 1. is there.

Reference numeral 3 denotes a card reader / printer which reads and writes magnetic information on a card inserted by the user into the apparatus, and 4 denotes a card reader / printer controller which controls the card reader / printer 3. Reference numeral 5 denotes a cash depositing / dispensing machine which performs cash depositing / dispensing processing, change release processing, storage of cash left behind, etc., and reference numeral 6 denotes this cash depositing / dispensing machine 5.
Is a depositing and dispensing machine control unit for controlling the payment.

Reference numeral 7 denotes a key input unit for allowing a user to input information necessary for a transaction in accordance with an operation guide screen displayed on the display unit 1. Reference numeral 8 denotes a key input control unit for controlling the key input unit 7. Reference numeral 9 denotes a storage unit that stores log information when a user forgets to take cash, and 10 stores log information in the storage unit 9 and when there is a request from the user to return forgotten cash. A collation unit for collating the log information with information input by a user. The collation unit 10 is connected to a display control unit 2, a card control unit 4, a cashier control unit 6, and a key input control unit 8. I have.

Reference numeral 11 denotes an IO port.
Display unit 1 and display control unit 2, card reader printer 3 and card reader printer control unit 4, cash dispenser 5
And a cash input / output machine control unit 6, and a key input unit 7 and a key input control unit 8. FIG. 2 is a flowchart showing the operation of the above-described configuration. Next, the operation will be described with reference to this flowchart.

Note that S in FIG. 2 indicates a processing step, and the following description will be made according to this processing step. First, the user operates the automatic transaction device to perform, for example, a payment transaction,
At the end of the transaction, it is assumed that the user has withdrawn the card, but has forgotten to collect the cash accumulated in a cash outlet (not shown) of the cash dispenser 5. <S1> When the cash control unit 8 detects that the cash accumulated in the withdrawal is not extracted for a certain period of time by a sensor or the like,
It is determined that cash is forgotten, the shutter of the dispensing port is closed, and then the collation unit 10 stores the log information for the predetermined cash return process in the storage unit 9.

[0014] The log information includes the date and time when the cash was forgotten, information for identifying the user such as the user account number, name and PIN number for which the cash was forgotten, and the amount of cash forgotten. When a user who has forgotten cash makes a transaction, information obtained from a host or a card and information input by a user's key are stored as transaction information (a storage unit different from the storage unit 10). ).

Note that the cash left behind is kept in the cash outlet. <S2> The display control unit 2 displays an operation guide screen including a text such as "The cash has been forgotten. Please insert the card if applicable." It is taken out and displayed on the display unit 1. <S3> From the start of the display, the card control unit 4 monitors whether a card has been inserted into the card reader printer 3, and
If the card is not inserted, the process proceeds to S4, and if it is inserted, the process proceeds to S5. <S4> The card control unit 4 determines whether or not a timeout has occurred, that is, whether or not a predetermined time has elapsed from the start of display. If the timeout has not occurred, the process returns to S3. After the forgotten cash is taken into a predetermined storage location in the device, the process proceeds to S10. <S5> When the card is inserted, the card control unit reader / printer 4 causes the card reader / printer 3 to read information such as the account number and name of the user recorded on the magnetic stripe of the card, and the display control unit 2 Takes out an operation guide screen including a word such as "Please enter a password" from the screen information storage unit, displays it on the display unit 1 instead of the screen, and inputs a password to the user. Prompt.

The user presses a key of the key input unit 7 while viewing the operation guide screen, and inputs his / her personal identification number. <S6> The collating unit 10 is stored in the storage unit 9 with input information such as the password transmitted through the display control unit 2 and the account number and name of the user transmitted through the card control unit 2. And compare it with the existing log information. <S7> The collation unit 10 determines whether or not the input information and the log information match as a result of the collation. If they match, the process proceeds to S8. If they do not match, the forgotten cash accumulated in the dispensing port is collected. S9 after taking into the predetermined storage place in the device.
Proceed to. <S8> The cash dispenser controller 8 opens the shutter of the cash outlet of the cash dispenser 5, and thereby the user removes the cash left in the cash outlet, that is, the cash left behind. Upon return, the shutter at the outlet is closed again. <S9> The card reader / printer controller 4 ejects the card from the card reader / printer 3 and returns it to the customer. <S10> The display control unit 2 extracts an idle screen for a normal transaction from the screen information storage unit and displays it on the display unit 1 instead of the screen.

[0017] Thus, the processing for the cash left behind is completed, and a transaction by another user is enabled. still,
In the above-described embodiment, if the forgotten cash is not returned, the information stored in the storage unit 9 is saved without being cleared, and is used as a material for processing by a staff member or the like at the time of close inspection. Can be used.

FIG. 3 is a block diagram showing a second embodiment of the present invention. In this embodiment, in addition to the configuration of the second embodiment (the key input unit 7 and the key input control unit 8 are omitted in the figure), an iris acquisition camera 1 for photographing the iris of the eye
2 and an iris acquisition control unit 13 for controlling the iris acquisition camera 12. The iris acquisition control unit 13 is connected to the collation unit 10, and the iris acquisition camera 12 and the iris acquisition control unit 13 Are connected via an IO port 11.

Since the iris of the human eye differs from individual to individual like a fingerprint, it is considered to be very effective as a means for identifying a user in an automatic transaction apparatus. Therefore, recently, the information of the iris of each user is registered in the host of the center of the financial institution instead of the personal identification number, and the information of the iris registered in this host is transferred to the automatic transaction device at the time of the transaction, and the iris is registered. A system has been proposed in which the user is identified by comparing it with information on the iris of the user captured and captured by the capturing camera 12.

The present embodiment is applied to such an automatic transaction device. FIG. 4 is a flowchart showing the operation of the above-described configuration. Next, the operation of the above-described configuration will be described with reference to this flowchart. Note that S in FIG. 4 also indicates a processing step, and the following description will be made in accordance with this processing step.

First, after the cash is forgotten, S1
The processing from S4 to S4 is performed in the same manner as in the first embodiment. However, the log information stored in the storage unit 9 by the collation unit 10 is assumed to use the information of the iris of the user's eyes instead of the password. <S5> When the card is inserted,
The card reader / printer controller 4 causes the card reader / printer 3 to read information such as the account number and user name recorded on the magnetic stripe of the card, and the iris acquisition controller 13 inserts the card into the iris acquisition camera 12. The photographed iris of the user is photographed, and the photographed iris is encoded. <
S6> The collating unit 10 stores the iris information transmitted from the iris acquisition control unit 13, the input information such as the account number and the user name transmitted via the card control unit 2, and the storage unit 9. Compare with log information.

Thereafter, the same processing as in the first embodiment is performed from S7 to S10.

[0023]

As described above, according to the present invention, when a user forgets to collect cash accumulated in a dispensing port, the user closes the shutter of the dispensing port and obtains transaction information of the user who has forgotten to collect cash. In addition to storing information identifying the user obtained from the storage unit as log information, a screen prompting the user to insert a card is displayed on the display unit, and when a card is inserted within a certain time, the The input information obtained from the card and the user is compared with the log information in the storage unit, and when the information on the card and the input information obtained from the user match the log information, the shutter of the dispensing opening is opened. In such a case, the forgotten cash is returned to the user.

Therefore, according to this, in the event that cash is forgotten by the automatic transaction apparatus, the identity of the user can be confirmed by the automatic transaction apparatus within a certain period of time, and the forgotten cash can be immediately returned. It is possible to return cash to the user in a short time even if the automated teller machine forgets to collect cash in the operation at night or on holidays or in an unmanned store. It becomes possible.

Further, since the cash left behind by the user can be returned without the intervention of the staff of the financial institution, etc., the burden on the staff can be reduced, and the trouble of contacting the staff with the user can be eliminated. The effect is also obtained. Further, since the present invention can be realized without increasing the number of mechanical components as compared with the conventional automatic transaction apparatus, there is also obtained an effect that the apparatus is not increased in size and complicated.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the first embodiment.

FIG. 3 is a block diagram showing a second embodiment of the present invention.

FIG. 4 is a flowchart showing the operation of the second embodiment.

[Explanation of symbols]

 1 display unit 2 display control unit 3 card reader printer 4 card reader printer control unit Reference Signs List 5 cash dispensing machine 6 cash dispensing machine control unit 7 key input unit 8 control unit 9 storage unit 10 collation unit 12 iris acquisition camera 13 iris acquisition control unit

Claims (4)

[Claims] 1. A method for reading information recorded on a card inserted by a user, performing a transaction based on information entered by a user through a key, and accumulating cash to be withdrawn in the transaction in a cash outlet. When the user forgets to collect the cash accumulated in the dispensing port in the automatic transaction apparatus that allows the user to withdraw the cash, the shutter of the dispensing port is closed, and the information is obtained from the transaction information of the user who has forgotten the cash. Information stored in the storage unit as log information, and a screen prompting the user to insert a card is displayed on the display unit. When a card is inserted within a predetermined time, the card and The input information obtained from the user is compared with the log information of the storage unit, and when the information of the card and the input information obtained from the user match the log information, the shutter of the dispensing opening is opened to open the shutter. Forgetting An automatic transaction device for returning the cash to a user. 2. The automatic transaction apparatus according to claim 1, wherein the information identifying the user obtained from the transaction information of the user who has forgotten cash includes a password of the user, and input information obtained from the user. Is a personal identification number that is entered by a user after the cash is forgotten. 3. The automatic transaction device according to claim 1, wherein the information for identifying the user obtained from the transaction information of the user who has forgotten cash includes the iris of the user, and the input information obtained from the user is An automatic transaction apparatus characterized in that the iris is photographed by a user after the cash is forgotten. 4. The automatic transaction apparatus according to claim 1, wherein after the cash is forgotten and the shutter of the cash outlet is closed, the forgotten cash accumulated in the cash outlet is dispensed for a predetermined time. An automatic transaction device characterized in that if the forgotten cash is not returned to the user, the cash is taken into a storage place in the device.