JP2011118716A - Automated teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automated teller machine or an automated teller system allowing continuous transactions based on operations on an operation part, which enables a customer operating the device or system to continue transactions without forcible interruption, reduces the waiting time of a waiting customer by reducing the number of continuous transactions of a preceding customer, and increases incomes on the financial institute side. <P>SOLUTION: The automated teller machine includes a camera part 8a for capturing face image data of a customer, a face image recognition part 12 identifying a customer from the captured face image data, and a memory part 28 storing service charge information corresponding to the number of continuous transactions. When the customer identified by the face image recognition part 12 performs a predetermined number of transactions continuously, collection of a service charge corresponding to the number of continuous transactions is displayed on an operation part, on the basis of the service charge information in the memory part 28. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system such as an automatic teller machine and an automatic teller machine installed at a window of a financial institution or the like.

  In the conventional automatic transaction apparatus and automatic transaction system, for convenience, it is possible to carry out a continuous transaction such as a withdrawal transaction, a deposit transaction, and a plurality of transfer transactions from the same account, following a balance inquiry by the same customer.

  And the technology that shortens the transaction time by omitting the same operation so that continuous transactions by the same customer can be performed in the shortest possible time Since the waiting time of the customer becomes long, there has been a technique that forcibly terminates when a transaction is continuously performed a predetermined number of times (for example, see Patent Document 1).

JP 2008-46805 A

  However, in the above-described conventional automatic transaction apparatus and automatic transaction system, even if there is a slight increase in fees due to customer's convenience, even if a continuous transaction is desired, the transaction is forcibly terminated when the number of transactions exceeds a predetermined number. There was a problem that.

  The present invention employs the following configuration in order to solve the above-described problems. That is, an automatic transaction apparatus capable of continuous transaction by operating the operation unit, customer information acquisition means for acquiring customer information capable of identifying a customer, and a customer who can determine the difference between customers based on the acquired customer information A difference determination means and a storage means for storing fee information according to the number of consecutive transactions of the same customer, and when the customer determined to be the same by the customer difference determination means has continued the transaction a predetermined number of times The fee collection corresponding to the number of consecutive transactions is displayed on the operation unit based on the fee information in the storage means.

  According to the automatic transaction apparatus of the present invention, an automatic transaction apparatus capable of continuous transaction by operating the operation unit, customer information acquisition means for acquiring customer information capable of identifying a customer, and the acquired customer information A customer difference determination unit that can determine the difference of customers based on the storage unit and a storage unit that stores fee information corresponding to the number of consecutive transactions of the same customer. When the number of transactions is continued, the collection of fees according to the number of consecutive transactions is displayed on the operation unit based on the fee information in the storage means. If you increase the fee without interruption, you can continue to trade, and as the next customer waiting for the turn, the number of consecutive transactions of the previous customer will decrease due to the increase in fee and reduce waiting time Can, as the financial institutions side it is possible to get a lot of commission.

1 is an overview perspective view of an automatic transaction apparatus according to a first embodiment. It is a control system block diagram of the automatic transaction apparatus of Example 1. FIG. It is an operation | movement flowchart figure of the automatic transaction apparatus of Example 1. FIG. It is operation | movement explanatory drawing of the automatic transaction apparatus of Example 1. FIG. It is operation | movement explanatory drawing of the automatic transaction apparatus of Example 1. FIG. It is an example of the operation screen of the automatic transaction apparatus of Example 1. It is a block diagram of the automatic transaction apparatus of a modification. It is an example of a display screen of the utilization status display apparatus of the automatic transaction apparatus of a modification.

  Embodiments of the present invention will be described below with reference to the drawings. Elements common to the drawings are given the same reference numerals.

(Constitution)
The automatic transaction apparatus according to the first embodiment has an external appearance as shown in FIG. And the camera 8a and the proximity sensor 9 are provided in the front surface of the automatic transaction apparatus.

  The coin deposit / withdrawal port 2 and the banknote deposit / withdrawal port 3 are openings through which coins and bills are inserted and discharged, respectively. The coin deposit / withdrawal port 2 and the banknote deposit / withdrawal port 3 are each provided with a shutter, and the coin deposit / withdrawal port 2 and the banknote deposit / withdrawal port 3 are opened and closed by driving the shutter. In these back portions, a coin processing unit and a banknote processing unit that perform deposit and withdrawal processing of coins and banknotes described later are provided.

  The passbook insertion slot 5 is a portion where a passbook used in the transaction is inserted from here, and the passbook is discharged when the transaction is completed, and a passbook processing section described later is provided in the back thereof. The card insertion slot 6 is a portion into which a card is inserted or ejected, and a card processing section, which will be described later, is provided in the back thereof.

  The operation unit 4 is configured by integrating an LCD for displaying an operation screen during a transaction and a touch panel for inputting transaction selection, a password, a transaction amount, and the like.

  A camera 8a and a proximity sensor 9 are disposed in the vicinity of the operation unit 4. This camera 8a is a camera for photographing the customer and its surroundings, and adjusts the angle of view of the lens so that the customer's face and its surroundings can be photographed when the customer approaches the automatic transaction apparatus 1. . The proximity sensor 9 is, for example, a reflective infrared sensor that detects that a customer has approached the automatic transaction apparatus 1. If the approach of the customer is detected by the camera 8a, the proximity sensor 9 can also be used.

(Control system configuration)
Next, as shown in the control system block diagram of FIG. 2, the control system of the automatic transaction apparatus according to the first embodiment includes a main control unit 20 that controls each unit, which will be described later, and a camera 8a as a customer information acquisition unit. A face image recognizing unit 12 as a customer dissimilarity judging means for receiving the image data, analyzing the image to determine the customer dissimilarity, and transmitting the result to the main control unit 20, and an operation unit operated by the customer according to the displayed guidance 4 are provided.

  Further, the control system of the automatic transaction apparatus according to the first embodiment includes a card processing unit 21 for reading / writing information such as an account number recorded on a cash card, a voice guidance unit 22 for outputting operation guidance and the like, an account A passbook processing unit 23 that performs read / write of the magnetic stripe of the passbook in which information such as a number is recorded and print control to the passbook, a statement slip processing unit 24 that prints out transaction details, and a coin processing unit that performs deposit / withdrawal control of coins 25, the banknote processing part 26 which performs deposit / withdrawal control of a banknote is provided.

  Furthermore, a power supply unit 27 that supplies power to each unit, a memory unit 28 as a storage unit that is a storage unit of the main control unit 20 and can store various control parameters and fee information according to the number of consecutive transactions of each transaction described later, An interface unit 29 that controls an interface with the host computer 50 is provided. The host computer 50 includes a memory unit (not shown) serving as a storage unit that can store fee information corresponding to the number of consecutive transactions of each transaction, as with the memory unit 28 of the automatic transaction apparatus 1.

(Operation)
With the above configuration, the automatic transaction apparatus according to the first embodiment operates as follows. This operation will be described in detail below using the operation flowchart of FIG. 3, the operation explanatory diagrams of FIGS. 4 and 5, and the operation screen example of FIG.

  First, when a customer approaches the automatic transaction apparatus 1 and detects the customer by the proximity sensor 9 provided on the front surface, a transaction selection screen is displayed on the operation unit 4 and, as shown in FIG. The customer 30 or the periphery thereof is photographed by the arranged camera 8a (step S01), and the photographed image data is transmitted to the face image recognition unit 12, and as shown in FIG. 5, from the camera photographing range 40a to the facial photograph range 41a or further The face image range 41b is cut out, the cut out camera image data is analyzed, and the face image recognition unit 12 determines whether the customer 30 is the same person as the customer who made the previous transaction (step S02).

  It should be noted that the face image recognition whether or not they are the same person is the same if the face image pattern matching is determined to be the same person if there is a predetermined match, or if features such as the eyes and nose are extracted and the features match a predetermined location What is necessary is just to determine with a person.

  When it is determined that the persons are not the same person, the transaction number register N for storing the number of consecutive transactions is set to “1” (step S03), and the personal identification number input screen is displayed as the identity confirmation operation, and the personal identification number by the customer is displayed. (Step S04), and when the customer inputs a personal identification number (step S05), the transaction is shifted to a normal transaction, a desired transaction process is performed (step S06), and the transaction is terminated.

  On the other hand, when it is determined in step S02 that they are the same person, it is determined whether or not the transaction number register N is within a predetermined number of times (step S07). "+1" (step S08), the password input screen is displayed and the password is entered to perform the transaction process desired by the customer, and the transaction is terminated (step S08). S04 to S06).

  When it is determined in the above-described step S07 that the transaction count register N has exceeded the predetermined number, the fee is increased by a predetermined ratio according to the number of times exceeding the predetermined number, or the number of transactions is determined in advance according to the number of times exceeding the predetermined number. The fee information corresponding to the value of the transaction number register N is read from the fee table storing the fee (step S09). At this time, the fee table may be stored in the memory unit 28 of the automatic transaction apparatus 1, or communicates with the host computer 50 via the interface unit 29 as indicated by the broken line arrow in FIG. Information may be acquired from the host computer 50.

  Then, as shown in the screen example G01 in FIG. 6, as a fee collection guidance based on the acquired fee information, for example, when the same customer has made a transaction for three or more times as a reference, “continue three times” "If you want to continue further transactions, please press the continue button. In this case, 30 yen will be added to the normal fee." In this case, press the end button to end the transaction once and arrange them at the end of the column. ”And the continuation button 101 and the end button 102 are also displayed (step S10).

  At this time, as the number of continuous transactions increases, it is better to increase the display characters of the guidance or increase the number of advertisement displays. Further, a second reference number larger than the predetermined number in step S07 is set, and when the transaction number register N becomes larger than the second reference number in step S07, the transaction is forcibly terminated and the end of the column You may make it display a guidance so that it may line with a tail.

  Then, when the customer 30 desires to continue the transaction even when paying the increased fee, and presses the continue button 101 (step S11), the transaction number register N is incremented by "+1" (step S08). In the same manner as the above-described identity verification operation, the personal identification number input screen is displayed and the personal identification number is input to perform the transaction processing desired by the customer, and the transaction is terminated (steps S04 to S06).

  On the other hand, when the customer 30 does not want to pay for the increased fee and desires to end the transaction and place it at the end of the line and presses the end button 102 (step S11), the transaction is interrupted, The process ends.

  In addition, although it demonstrated that face image recognition was performed in step S02, the account number recorded on the card | curd and bankbook which a customer inserts before the transaction start is read by the card | curd process part 21 or the passbook process part 23, and the said account A number may be used to determine whether the previous customer and the current customer are the same. In this case, in order to prevent a continuous transaction by a customer having a plurality of accounts, a representative of a plurality of customers, etc., it is better to determine the difference between the customers using the face image recognition result.

  Moreover, when the customer 30 is not away from the automatic transaction apparatus, the proximity sensor 9 provided on the front surface of the automatic transaction apparatus 1 may determine that the transaction is performed by the same person. Alternatively, the face image recognition and the result of the proximity sensor may be merged, and when it is determined by the proximity sensor that the customer is not separated from the automatic transaction apparatus, the reference value for matching the face image may be lowered.

  In the above description of the embodiment, as shown in FIG. 4 and FIG. 5, it is not described whether or not there is a next customer 31 behind the customer 30. At the time of transaction determination, the same customer may be determined for transaction determination only when the next customer 31 is behind and there is a next customer. Or, further, analyze the image of the customer's facial expression such as the next customer 31, etc., and if it is an angry facial expression, increase the commission to be added according to the degree, or the number of consecutive transactions that will serve as the basis for increasing the commission You may make it lower.

  Further, as shown in FIGS. 7 and 8, the automatic transaction apparatus 1 and its surroundings are provided with a usage status display apparatus 101, and when the number of continuous transactions changes as in steps S03 and S08, More preferably, the usage status display device 101 displays the number of continuous transactions or further the current transaction contents so that the customers 31a to 31c and the like can be seen.

(Effect of Example 1)
As described above in detail, according to the automatic transaction apparatus of the first embodiment, the camera unit that acquires the customer's face image data, the face image recognition unit that can determine the difference of the customer from the acquired face image data, and the transaction A memory unit that stores fee information corresponding to the number of consecutive times is provided, and when the customer determined to be the same by the face image recognition unit has made a transaction for a predetermined number of times, it is continuously based on the fee information of the memory unit. Since the collection of fees according to the number of transactions is displayed, as a customer in operation, if the transaction is increased without increasing the transaction forcibly, transactions can be made continuously, As the next customer, the number of consecutive transactions of the previous customer can be reduced by increasing the fee, so that the waiting time can be reduced, and the financial institution can acquire a lot of fee.

  As described above, the present invention can be widely used in automatic transaction apparatuses and automatic transaction systems such as an automatic teller machine and an automatic teller machine installed at a window of a financial institution or the like.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Coin deposit / withdrawal port 3 Banknote deposit / withdrawal port 4 Operation part 5 Passbook insertion slot 6 Card insertion slot 8a Camera 9 Proximity sensor 12 Face image recognition part 20 Main control part 28 Memory part 29 Interface part 50 Host computer 101 Usage status display device

Claims (9)

An automatic transaction device capable of continuous transaction by operating the operation unit,
Customer information acquisition means for acquiring customer information capable of identifying a customer;
Customer difference determination means capable of determining customer differences based on the acquired customer information;
Storage means for storing fee information corresponding to the number of consecutive transactions of the same customer,
When a customer determined to be the same by the customer difference determination means has made a transaction for a predetermined number of times, a fee collection corresponding to the number of continuous transactions is displayed on the operation unit based on the fee information in the storage means. An automatic transaction apparatus characterized by that. An automatic transaction system capable of continuously performing transactions with an automatic transaction apparatus through communication with a host computer,
The automatic transaction apparatus includes an operation unit operated by a customer, a customer information acquisition unit that acquires customer information that can identify the customer, and a customer difference determination unit that can determine a customer difference based on the acquired customer information. Prepared,
The host computer comprises storage means for storing fee information according to the number of times that the same customer has made transactions continuously,
When the customers determined to be the same by the customer difference determination means have made a transaction for a predetermined number of times, a fee collection according to the number of consecutive transactions is made based on the fee information of the storage means. An automatic transaction system characterized by being displayed on the screen. The customer information acquisition means is a camera that acquires customer face image data,
3. The automatic transaction apparatus according to claim 1, wherein the customer difference determination means performs customer difference determination by face image recognition based on the acquired face image data. The customer information acquisition means is an account number acquisition means for acquiring an account number,
3. The automatic transaction apparatus according to claim 1 or the automatic transaction system according to claim 2, wherein the customer difference determination means performs a customer difference determination based on the acquired account number. Proximity sensor that detects the approach of customers,
3. The automatic transaction apparatus according to claim 1, wherein the customer difference determination unit is configured to make a customer difference determination based on presence or absence of a change in a detection result of the proximity sensor. It has a display device that can be seen by customers waiting in turn,
3. The automatic transaction apparatus according to claim 1 or the automatic transaction system according to claim 2, wherein the number of consecutive transactions by the same customer or the current transaction type can be displayed on the display device. Proximity sensor that detects the approach of customers,
4. The automatic transaction apparatus or automatic transaction system according to claim 3, wherein the customer difference determination means lowers the customer difference determination reference value based on the face image recognition when the proximity sensor is not changed. The customer information acquisition means is a camera that acquires customer face image data,
2. The customer difference determination unit is configured not to perform the customer difference determination when it is determined by the face image recognition based on the acquired face image data that there is no next customer behind the customer. The automatic transaction apparatus according to claim 2 or the automatic transaction system according to claim 2. The customer information acquisition means is a camera that acquires customer face image data,
Based on the acquired face image data, image analysis is performed on the facial expressions of customers waiting for the turn. If the facial expressions are angry, the commission to be added is increased or the number of consecutive transactions that is the basis for increasing the commission is reduced according to the degree. 3. An automatic transaction apparatus according to claim 1, or an automatic transaction system according to claim 2.

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