JP6111924B2 - Transaction apparatus and transaction method - Google Patents

Description

  The present invention relates to a transaction apparatus and a transaction method, and can be applied to, for example, a case where an exchange transaction is performed using an ATM (Automated Teller Machine) installed in a financial institution such as a bank or a convenience store.

  Conventionally, there is an automatic transaction apparatus (ATM) described in Patent Document 1 as a transaction apparatus capable of performing a cash exchange transaction.

  In the automatic transaction apparatus described in Patent Document 1, cash entered from a user is accepted only when it is a genuine note that can be accepted by discrimination (for example, discrimination such as authenticity), and is specified by the user's operation. You can withdraw seed and number of cash.

JP 2000-113285 A

  However, in the conventional automatic transaction apparatus corresponding to the currency exchange transaction, the user is only required to confirm the denomination and number of cash to be withdrawn. Therefore, if a user who uses a conventional automatic transaction apparatus is a malicious person, after receiving the exchanged banknote, the banknote may be replaced with another counterfeit ticket or the like to make a false complaint. there were.

  In addition, even if the user who uses the conventional automatic transaction apparatus is not malicious, the user who has doubts about the transaction due to misunderstanding etc. (for example, one 5,000 yen bill was paid out, but forgot to receive it, There was a risk that trouble would occur due to, for example, claiming that the withdrawal was wrong by looking at the 1,000-yen bill he had.

  In view of the above problems, there is a demand for a transaction apparatus and transaction method that can improve the safety of transactions (for example, prevent troubles with users).

The transaction apparatus according to the first aspect of the present invention includes (1) transaction acceptance means for accepting transaction processing involving cash deposit and withdrawal from a user, and (2) cash to be withdrawn from the user and / or from the user. ( 3 ) Cash holding means for holding cash received from the user and / or cash holding means for holding cash paid out from the cash storing means ; (4) Cash holding means Cash processing means for performing the process of discharging the cash held by the cash, and (5) before the cash processing means performs the process of discharging the cash held by the cash holding means, the cash held by the cash holding means. (6) presenting the cash image based on the cash image data held by the image data holding means to the user, and capturing the user And a cash image confirmation receiving means for receiving a confirmation operation from the user.

The second aspect of the present invention is a transaction method performed by a transaction apparatus, comprising: (1) a transaction accepting means, a cash storage means, a cash holding means, a cash processing means, an image data holding means, and a cash image confirmation accepting means; 2) the cash storage means, cash is dispensed to the user chromatography the, and or, houses a cash credited from the user, (3) the cash holding means, the cash was credited from the user, and or , pending Repetitive issued cash from the cash storage means (4) the image data holding means, taking the cash the cash holding means is suspended, hold cash image data of the photographed cash image, (5) The cash processing means performs a process of discharging the cash held by the cash holding means, and ( 6 ) the cash image confirmation receiving means is a process of discharging the cash held by the cash holding means by the cash processing means. Before doing In addition, a cash image based on the cash image data held by the image data holding means is presented to the user, and a confirmation operation is received from the user.
The transaction apparatus according to the third aspect of the present invention includes (1) transaction accepting means for accepting transaction processing involving cash deposit and / or withdrawal from the user, and (2) cash dispensed to the user and / or from the user. Cash storage means for storing the received cash, (3) cash storage means for holding the cash received from the user and / or cash paid out from the cash storage means, and (4) the cash storage means Photographing the cash held by the user, and holding the cash image data of the photographed cash image, and (5) presenting the cash image based on the cash image data held by the image data holding unit to the user Cash image confirmation accepting means for accepting a confirmation operation from the user, and (6) a process of discharging cash held by the cash holding means after acceptance of the confirmation operation by the cash image confirmation accepting means, Or cash processing means for performing processing for storing the cash held by the cash holding means in the cash storage means, (7) transaction contents accepted by the transaction receiving means, and cash held by the image data holding means Transaction history data recording means for recording transaction history data including image data.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction apparatus which can improve the safety | security of transaction can be provided.

It is the block diagram shown about the functional structure of the automatic transaction apparatus which concerns on embodiment. It is an appearance perspective view of an automatic transaction device concerning an embodiment. It is explanatory drawing shown about the example of the data structure of the transaction history data memorize | stored in the transaction history memory | storage part which concerns on embodiment. It is the flowchart shown about the operation | movement of the exchange transaction of the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing shown about the structural example of the exchange transaction content confirmation screen displayed with the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing shown about the structural example of the transaction continuation selection screen displayed with the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing (the 1) shown about the structural example of the banknote confirmation screen displayed with the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing (the 2) shown about the structural example of the banknote confirmation screen displayed with the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing (the 3) shown about the structural example of the banknote confirmation screen displayed with the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing (the 4) shown about the structural example of the banknote confirmation screen displayed with the automatic transaction apparatus which concerns on embodiment.

(A) Main Embodiment Hereinafter, an embodiment of a transaction apparatus and a transaction method according to the present invention will be described in detail with reference to the drawings.

(A-1) Configuration of Embodiment FIG. 1 is a block diagram showing a functional configuration of an automatic transaction apparatus 1 according to this embodiment. FIG. 2 is an external perspective view of the automatic transaction apparatus 1 of this embodiment.

  The automatic transaction apparatus 1 is installed in a financial institution store or the like, and is an apparatus capable of at least paper exchange transaction processing based on a user (customer) operation. The automatic transaction apparatus 1 may be operated by a staff member such as a financial institution managing the automatic transaction apparatus 1 or a maintenance staff in addition to the user (customer). Hereinafter, these users (customers), staff, maintenance personnel, etc. are also referred to as “users”.

  The automatic transaction apparatus 1 includes a control unit 10, an operation display unit 20, a receipt printer 30, and a banknote deposit / withdrawal unit 40.

  The control unit 10 has a function of controlling the operation of each unit in the automatic transaction apparatus 1 and includes a transaction processing unit 11 and a transaction history storage unit 12. The control unit 10 can be realized, for example, by installing the transaction program or the like of the embodiment in the program implementation configuration including a processor, a memory, and the like.

  The receipt printer 30 prints a slip or the like on which transaction contents are printed and discharges (prints out) from the receipt discharge port 31. The receipt printer 30 can be the same as an existing ATM or currency exchange device, and therefore a detailed description thereof is omitted.

  The operation display unit 20 has a function of an interface with a user who uses the automatic transaction apparatus 1. The type of device used for the interface with the user in the operation display unit 20 is not limited, but in this embodiment, a touch panel display 21 (for example, a liquid crystal display) is used as an example. . The operation display unit 20 is configured to be able to provide various operation screens to the user by the display 21.

  The banknote deposit / withdrawal unit 40 accepts the input of cash (banknotes in this embodiment) received from the user and stores the cash and the stored cash (banknote) to the user (withdrawal / discharge). It has a function.

  As shown in FIG. 1, the banknote deposit / withdrawal unit 40 includes a deposit / withdrawal port 41, a discrimination unit 42, a photographing unit 43, a temporary storage unit 44, and four banknote cassettes 45 (45-1 to 45-4). ing. In addition, although illustration is abbreviate | omitted in FIG. 1, in the banknote depositing / withdrawing part 40, the conveyance path (conveying means) for conveying a banknote between each component is arrange | positioned.

  The deposit / withdrawal port 41 has a function of accepting insertion of banknotes from a user and a function of dispensing (ejecting and dispensing) banknotes to the user.

  In addition, the deposit / withdrawal port 41 is provided with a shutter 41a as an opening / closing body, and when the shutter 41a is in a closed state, accumulated banknotes (banknotes thrown in by a user or banknotes to be dispensed to a user) ) Can not be accessed by the user (cannot be taken out). In the deposit / withdrawal port 41, when the shutter 41a is in the open state, the accumulated banknotes are in a state accessible by the user (a state in which they can be taken out). The discrimination unit 42 has a function of discriminating banknotes deposited / withdrawn at the deposit / withdrawal port 41. The discrimination unit 42 performs discrimination such as denomination of banknotes, authenticity of banknotes, and the degree of pain of banknotes. In the following, a banknote in a state where the degree of pain is so large that it is not suitable for storage in the automatic transaction apparatus 1 will be referred to as “damaged ticket”, and a banknote in a state that can be stored in the automatic transaction apparatus 1 will be referred to as ".

  The imaging unit 43 captures the appearance of the banknotes identified by the identification unit 42 and outputs image data. As the photographing unit 43, for example, a digital camera capable of taking a close-up photograph of a banknote can be applied. Moreover, since the image image | photographed with the imaging | photography part 43 is an image for showing to a user etc., it shall be set as the structure which irradiates visible light to a banknote (for example, irradiates with LED light etc.), and is taken as a structure. Is desirable. Hereinafter, an image obtained by photographing (capturing) a banknote by the photographing unit 43 is referred to as “banknote image” or “cash image”, and banknote image data is referred to as “banknote image data” or “cash image data”.

  In this embodiment, although the imaging | photography part 43 demonstrates as what outputs the banknote image data of the banknote image which image | photographed both surfaces of the banknote, you may make it output the banknote image data of only one side. In the following, the surface on which the banknote serial number and portrait are printed is referred to as the front surface, and the other surface is referred to as the back surface. In addition, in the process of the discrimination process of the discrimination unit 42, when it is possible to take a banknote (taken using a visible light optical sensor) and hold image data, the function of the imaging unit 43 is changed to the discrimination. The unit 42 may be unified. Therefore, the position where the photographing unit 43 is disposed and the number of the photographing units 43 are not limited.

  The temporary storage unit 44 has a function of temporarily storing banknotes to be deposited. In this embodiment, the temporary holding unit 44 will be described on the assumption that only banknotes for which the discrimination result of the discrimination unit 42 is normal (a banknote corresponding to a genuine note) are temporarily held.

  Moreover, in the automatic transaction apparatus 1, the banknotes drawn out from the banknote cassettes 45-1 to 45-4 are accumulated (held) at the deposit / withdrawal port 41, but are accumulated by initially closing the shutter 41a. The banknote that has been put on hold can be temporarily inaccessible from the user (pending state). That is, in the automatic transaction apparatus 1, the banknote to be withdrawn can be temporarily held by the deposit / withdrawal port 41 (shutter 41a).

  The banknote cassettes 45-1 to 45-4 store banknotes of each assigned denomination. In this embodiment, it is assumed that Japanese banknotes 45-1 to 45-4 are assigned Japanese 1,000 yen, 2000, 5000, and 10,000 yen, respectively. In addition, the combination of the banknote accommodated in the banknote depositing / withdrawing part 40 is not limited to the above-mentioned thing. Further, in this embodiment, the bill cassettes 45-1 to 45-4 each adopt a method (banknote recirculation method) that recycles bills that are inserted and stored by users and uses them as they are for withdrawal to users. However, it is also possible to separately provide a banknote part for banknotes (banknote cassette) and a storage part for banknotes (banknote cassette).

  The transaction history storage unit 12 stores (holds) history data of transactions performed in the automatic transaction apparatus 1 (hereinafter referred to as “transaction history data”). In this embodiment, the automatic transaction apparatus 1 itself is described as storing transaction history data, but it may be stored and held in an external apparatus (for example, an external host computer or a file server).

  Further, in the transaction history storage unit 12, the transaction history data relating to a transaction involving withdrawal (for example, a currency exchange transaction) includes banknote image data of a banknote image obtained by photographing the dispensed banknote (a banknote image photographed by the photographing unit 43). Data).

  FIG. 3 is an explanatory diagram showing a configuration example of transaction history data stored in the transaction history storage unit 12.

  In FIG. 3, the transaction history data of one transaction is shown as one table, but the specific data configuration is not limited. When transactions are performed in the automatic transaction apparatus 1 of this embodiment, a transaction number is given as identification information for each transaction. Here, each transaction will be described assuming that transaction numbers are given in ascending order in the order in which they were performed. In FIG. 3, the transaction history data of transactions with transaction numbers 1, 2, 3,... Are represented as D1, D2, D3,.

  In the example of FIG. 3, transaction history data D1 of the exchange transaction includes items of transaction number, transaction date and time, transaction type, total deposit amount, number of deposited banknotes, total amount of withdrawal, number of dispensed banknotes, and banknote image data. It is composed of data.

  The item “transaction date and time” represents the date and time when the transaction was performed (for example, the date and time when the transaction history data was registered).

  “Transaction type” represents the name of the transaction. In this embodiment, for the sake of simplicity, only the exchange transaction related to the automatic transaction apparatus 1 will be described. However, the automatic transaction apparatus performs other transactions (for example, a deposit transaction to a bank account or a withdrawal transaction from a bank account). Of course, it may be made to correspond to (). Moreover, in FIG. 3, although only the transaction history data of exchange transaction is illustrated, the item which comprises the transaction history data of another transaction may be made to apply a different combination.

  The item “total deposit amount” represents the total amount of cash deposited (input) by the user in the transaction (exchange transaction).

  The item “number of deposited banknotes” represents the number of banknotes denominated for each type of banknote deposited (inserted) by the user during the transaction (exchange transaction). In FIG. 3, the item “number of deposited banknotes” includes items of the respective numbers of 1,000 yen, 2000 yen, 5000 yen and 10,000 yen.

  “Total amount withdrawn” represents the total amount of cash withdrawn (discharged and paid out) by the user during the transaction (exchange transaction). In the case of a currency exchange transaction, since the deposit amount and the withdrawal amount are usually the same, the same value may be applied to the total deposit amount and the total withdrawal amount in one item.

  The item “number of banknotes to be withdrawn” represents the number of banknotes denominated for each type of banknotes withdrawn by the user during the transaction (exchange transaction). In FIG. 3, the item “number of withdrawal banknotes” includes items of the respective numbers of 1,000 yen, 2000 yen, 5000 yen and 10,000 yen.

  In the item “banknote image data”, banknote image data for each banknote dispensed by the user at the time of the transaction (exchange transaction) is set. In the transaction history data, the data structure for holding the banknote image data is not limited. However, in the transaction history data shown in FIG. 3, for the sake of simplicity, each denomination (1,000 yen, 2,000 yen The file name of the file (hereinafter referred to as “banknote image data file”) in which the banknote image data of the dispensed banknote is stored is described in “5,000 yen ticket and 10,000 yen ticket”. The entity (binary data) of the banknote image data file may be registered as it is in the transaction history data, for example, or may be stored in another link destination (for example, another data recording area). Also good. The data format of the banknote image data file is not limited, but in FIG. 3, all data is illustrated as JPEG format image data (file extension is JPG). In the item of banknote image data, it is assumed that a management number (hereinafter referred to as a “banknote management number”) is assigned to each banknote in ascending order according to the order taken by the imaging unit 43. And the banknote management number shall be contained in the file name of each banknote image data. In the item of banknote image data shown in FIG. 3, “XS.JPG” (X is a banknote management number) indicates banknote image data on the surface of a banknote whose banknote management number is X, and “XB.JPG” (X Is the banknote image data on the back side of the banknote whose banknote management number is X.

  In this embodiment, as described above, the bill management number of each banknote is described as being inserted into the file name, but the configuration for managing the banknote image data of each banknote is not limited.

  The transaction processing unit 11 performs information processing related to transactions, control processing related to each component, and the like. In this embodiment, it is assumed that the transaction processing unit 11 can perform a process of performing a currency exchange transaction at least on the user. Further, in this embodiment, in order to simplify the explanation, the transaction processing unit 11 receives a deposit of a banknote (2,000 yen, 5000 yen, 10,000 yen) higher than 1,000 yen from the user. Suppose that a currency exchange transaction is made to withdraw 1,000 yen vouchers for the amount deposited.

  Moreover, the transaction processing part 11 performs the process which shows a user the banknote image of the banknote to withdraw, when withdrawing a banknote by exchange transaction. Further, when performing transaction processing, the transaction processing unit 11 generates transaction history data and registers the transaction history data in the transaction history storage unit 12.

  Further, it is assumed that the control unit 10 can output the transaction history data stored (held) in the transaction history storage unit 12 in accordance with an operation of a staff member or a maintenance person.

  The method by which the control unit 10 outputs the transaction history data is not limited. For example, printing output, display output, data recording to another data recording medium, and data output to an external device through communication are applied. be able to. Further, the data configuration when the control unit 10 outputs the transaction history data is not limited. Personnel, maintenance personnel, etc. can use the transaction history data by identifying and browsing the transaction history data related to the transaction performed by the user when there is an inquiry from the user based on the acquired transaction history data. It is possible to verify the contents of transactions performed by the person.

  As described above, in the automatic transaction apparatus 1, the cash storage means is realized by the banknote cassettes 45-1 to 45-4. Further, in the automatic transaction apparatus 1, transaction accepting means is realized by the control unit 10 (transaction processing unit 11) and the operation display unit 20. Further, in the automatic transaction apparatus 1, a cash holding means is realized by the banknote deposit / withdrawal unit 40 (temporary holding unit 44 and deposit / withdrawal port 41). Furthermore, in the automatic transaction apparatus 1, an image data holding unit is realized by the photographing unit 43 and the control unit 10 (transaction history storage unit 12). In the automatic transaction apparatus 1, a cash image confirmation accepting unit is realized by the control unit 10 (the transaction processing unit 11 and the transaction history storage unit 12) and the operation display unit 20. Furthermore, in the automatic transaction apparatus 1, the banknote depositing / withdrawing unit 40 realizes a cash processing means. Furthermore, in the automatic transaction apparatus 1, a transaction history data recording unit and a transaction history data output unit are realized using the control unit 10 (transaction history storage unit 12).

(A-2) Operation | movement of embodiment Next, operation | movement (transaction method of embodiment) of the automatic transaction apparatus 1 of this embodiment which has the above structures is demonstrated.

  First, it is assumed that the user operates the operation display unit 20 and selects a currency exchange transaction (for example, a currency exchange transaction is selected on an initial screen (transaction selection screen) (not shown) displayed on the display 21) (S101). Thereby, it is assumed that the processing of the exchange transaction is started in the control unit 10 (transaction processing unit 11). In addition, when the automatic transaction apparatus 1 supports only a currency exchange transaction, it may be configured to accept only a transaction start operation (for example, a touch operation on the display 21 by a user), or a transaction start operation procedure. It may be omitted.

  Next, the control part 10 (transaction processing part 11) requests | requires insertion of the banknote (henceforth a "exchange source banknote") used as a money-exchange source to a user (for example, the message which requests | requires insertion of a banknote to the display 21). It is assumed that the exchange source banknote is inserted into the deposit / withdrawal port 41 of the banknote deposit / withdrawal unit 40 (S102).

  And the control part 10 (transaction processing part 11) controls the banknote depositing / withdrawing part 40, takes in and counts the banknote thrown into the deposit or withdrawal port 41, and performs the process which sets the content of a currency exchange transaction (S103). ).

  At this time, the banknote deposit / withdrawal unit 40 discriminates each of the banknotes inserted into the deposit / withdrawal port 41 by the discrimination unit 42, conveys only the banknotes identified as normal to the temporary storage unit 44 and temporarily holds them. In addition, when the banknote which is not normal here is detected, although the banknote depositing / withdrawing part 40 performs the process of returning the banknote (abnormal banknote) which is not normal to a user, in order to simplify description, In the flowchart of FIG. 4, it is illustrated that all banknotes are normal. And the banknote depositing / withdrawing part 40 reports the number of sheets for every denomination of the banknote hold | maintained at the temporary storage part 44 to the control part 10 (transaction processing part 11). And the control part 10 (transaction processing part 11) sets (determines) the content of a currency exchange transaction based on the report from the banknote depositing / withdrawing part 40. FIG. As described above, the automatic transaction apparatus 1 receives deposits of banknotes higher than 1,000 yen from the user, and conducts a currency exchange transaction for withdrawing 1,000 yen coupons for the deposited amount. By simply counting, the contents of the exchange transaction can be set (the number of 1,000 yen coupons to be withdrawn is determined).

  Next, the control unit 10 (transaction processing unit 11) requests the user to confirm the contents of the exchange transaction set in step S103 (S104). Specifically, the control unit 10 (transaction processing unit 11) has buttons for accepting the contents of the exchange transaction and confirming the exchange transaction with the contents to the operation display unit 20 (display 21). The operation screen (hereinafter referred to as “exchange transaction content confirmation screen”) is displayed, and the operation screen is received from the user for confirmation of the contents of the front exchange transaction.

  For example, an operation screen as shown in FIG. 5 can be applied as the exchange transaction content confirmation screen.

  In the exchange transaction content confirmation screen shown in FIG. 5, a field F101 for displaying the number of denominations of the original banknotes for exchange, a field F102 for displaying the number of denominations of banknotes to be dispensed (banknotes after exchange), and exchange transactions. A confirmation button B101 for accepting continuation and a cancel button B102 for accepting exchange transaction cancellation are arranged.

  In FIG. 5, the field F101 displays "Customer's payment is one for 10,000 yen coupons and one for 5,000 yen coupons". In FIG. 5, the field F102 displays “The withdrawal is 15 pieces of 1,000 yen coupons”. That is, the exchange transaction content confirmation screen shown in FIG. 5 shows a currency exchange transaction in which 15 thousand yen coupons are withdrawn for one 10,000 yen coupon and one 5,000 yen deposit.

  Then, when the confirmation button B101 indicating continuation of the exchange transaction is pressed on the exchange transaction content confirmation screen, the control unit 10 (transaction processing unit 11) operates from step S105 described later, and the cancel button B102 indicating the exchange transaction cancellation is pressed. If so, the operation starts from step 111 to be described later.

  When the transaction is continued in the above-described step S104 (when the confirmation button B101 indicating transaction continuation is pressed on the exchange transaction content confirmation screen), the control unit 10 (transaction processing unit 11) performs the bill cassette 45-1 to 45-1. 45-4, the temporary storage part 44, the imaging | photography part 43, etc. are controlled and the payment preparation process of the banknote which withdraws is performed (S105). Specifically, the control unit 10 (transaction processing unit 11) controls the banknote cassettes 45-1 to 45-4 and the like to feed out the banknotes to be withdrawn, and the deposit / withdrawal port 41 (the shutter 41a is in a closed state). To temporarily hold. Hereinafter, the banknote temporarily held in the deposit / withdrawal port 41 (the shutter 41a is closed) at the time of withdrawal is also referred to as a “withdrawal preparation banknote”.

  At this time, the banknote deposit / withdrawal unit 40 captures each withdrawal preparation banknote with the photographing unit 43 and holds the banknote image data before holding the withdrawal preparation banknote in the deposit / withdrawal port 41, and stores each banknote image data. Data is supplied to the control unit 10 (transaction processing unit 11). At this time, the control unit 10 (transaction processing unit 11) recognizes the front and back of each banknote image data and assigns and manages the banknote management number.

  Next, the control unit 10 (transaction processing unit 11) presents the banknote image to the user and requests the user to confirm the withdrawal banknote (S106). Specifically, the control unit 10 (transaction processing unit 11) calls an operation screen (hereinafter, “exchange transaction content confirmation screen”) displaying each image of the withdrawal preparation banknote from the operation display unit 20 (display 21). ) To the user and request to choose either continue exchange transaction or cancel exchange transaction. The detailed configuration of the exchange transaction content confirmation screen will be described later.

  When the exchange transaction continuation is selected by the user on the banknote confirmation screen in step S <b> 106 described above, the control unit 10 (transaction processing unit 11) controls the banknote deposit / withdrawal unit 40 to the temporary storage unit 44. The exchange-source banknotes temporarily held are stored in the corresponding banknote cassettes 45 (S107).

  Moreover, the control part 10 (transaction processing part 11) controls the banknote depositing / withdrawing part 40, makes the shutter 41a of the depositing / dispensing port 41 into an open state, and withdraws (discharges, pays out) the banknotes which are held (S108). ).

  Further, the control unit 10 (transaction processing unit 11) performs transaction history data (the transaction shown in FIG. 3 described above) based on data (payment amount, withdrawal amount, banknote image data, etc.) acquired in the process of the current exchange transaction. History data D1) is created and additionally registered in the transaction history storage unit 12 (S109). At this time, the control unit 10 (transaction processing unit 11) controls the receipt printer 30 to discharge the receipt (slip) on which the contents of the current transaction are printed on the paper from the receipt discharge port 31. In addition, it is desirable that the receipt includes identification information (for example, transaction date and time, transaction number, etc.) that constitutes transaction history data of the transaction.

  Next, the control unit 10 (transaction processing unit 11) determines whether or not to continue the transaction in the automatic transaction apparatus 1 from the operation display unit 20 (display 21) (whether or not to execute another transaction continuously). ) Is displayed to the user (S110).

  For example, an operation screen as shown in FIG. 6 can be applied as the transaction continuation selection screen.

  In the transaction continuation selection screen shown in FIG. 6, a message “Do you want to cancel the transaction?”, A transaction continuation button B201 for continuing the transaction (continuing another exchange transaction), and ending the transaction (transaction For example, a transaction end button B202 for transitioning to the initial screen) is arranged.

  The control unit 10 (transaction processing unit 11) ends the exchange transaction when the transaction end button B202 is pressed on the transaction continuation selection screen in step S110, and when the transaction continuation button B201 is pressed, the above-described step S101. Return to to move to another transaction selection process.

  When the exchange transaction cancellation is selected on the banknote confirmation screen in step S106 described above, the control unit 10 (transaction processing unit 11) controls the banknote deposit / withdrawal unit 40 to temporarily put out the withdrawal temporarily held in the deposit / withdrawal port 41. Each gold preparation banknote is stored in the corresponding banknote cassette 45 (S113).

  Moreover, the control part 10 (transaction processing part 11) controls the banknote depositing / withdrawing part 40, and discharges the exchange original banknote temporarily hold | maintained at the temporary storage part 44 from the banknote depositing / withdrawing part 40, and makes it return ( S114) A transaction continuation selection screen (FIG. 6 described above) for requesting selection of whether or not to continue the transaction in the automatic transaction apparatus 1 is presented to the user from the operation display unit 20 (display 21) (S115). ).

  The control unit 10 (transaction processing unit 11) ends the exchange transaction when the transaction end button B202 is pressed on the transaction continuation selection screen in step S115, and the above-described step S101 when the transaction continuation button B201 is pressed. Return to to move to another transaction selection process.

  On the other hand, when the exchange transaction is canceled in step S104 described above (when the cancel button B102 indicating the end of the transaction is pressed on the exchange transaction content confirmation screen), the control unit 10 (transaction processing unit 11) The exchange banknote temporarily held in the temporary holding unit 44 is discharged from the banknote deposit / withdrawal unit 40 and returned (S111), and the automatic transaction is performed from the operation display unit 20 (display 21). A transaction continuation selection screen (FIG. 6 described above) for requesting selection of whether or not to continue the transaction in the device 1 is presented to the user (S112).

  The control unit 10 (the transaction processing unit 11) ends the exchange transaction when the transaction end button B202 is pressed on the transaction continuation selection screen in step S111, and the above-described step S101 when the transaction continuation button B201 is pressed. Return to to move to another transaction selection process.

  Next, the example of a structure of the above-mentioned banknote confirmation screen is demonstrated using FIGS.

  As shown in FIGS. 7 to 10, on the banknote confirmation screen, a field F301 for displaying the banknote image of each withdrawal preparation banknote, a confirmation button B301 for accepting the exchange transaction continuation, and accepting the exchange transaction cancellation. Cancel button B302 and buttons for switching the display contents of field F301 (front / back switch button B304, whole display button B305, reduction button B306, enlargement button B307, single display button B308, previous page button B309, and next page button B310 ) Is arranged.

  In the field F301 of FIG. 7, 16 (4 vertical × 4 horizontal) banknote images (images of banknote image data on the surface) are displayed. Moreover, in the field F301, each banknote image is appended with a banknote management number of the withdrawal preparation banknote (a banknote management number in banknote image data constituting the banknote image data file). For example, in FIG. 1, “1”, which is the banknote management number of the banknote, is appended to the banknote image G-1 of the upper left banknote. In the field F301 of FIG. 7, images of banknotes with banknote management numbers 1 to 16 are displayed.

  In the banknote confirmation screen, an enlargement button B307 for enlarging and displaying a banknote image to be displayed in the field F301, and a reduction button B306 for reducing the display are arranged. On the banknote confirmation screen, when the enlargement button B307 is pressed, the number of images displayed in the field F301 is reduced and each banknote image is enlarged, and when the reduction button B306 is pressed, the image displayed in the field F301 is displayed. It is assumed that each banknote image is reduced and displayed by increasing the number of sheets. In the field F301 of the bill confirmation screen, for example, 4 sheets × 4 sheets (16 sheets in total), 3 sheets × 3 sheets (9 sheets in total), 2 sheets × 2 sheets (4 sheets in total), 1 sheet × 1 It is assumed that the banknote image can be enlarged / reduced in a range of four stages of one sheet (total of one sheet). In the field F301 shown in FIGS. 7 to 10, 4 sheets × 4 sheets (16 sheets in total), 3 sheets × 3 sheets (9 sheets in total), 2 sheets × 2 sheets (4 sheets in total), 1 sheet × 1 sheet The banknote image is displayed at a scale of (total of 1 sheet).

  Therefore, in the field F301 of the banknote confirmation screen, when the enlarge button B307 is pressed, the banknote image displayed in the field F301 is enlarged by one step from the current N × N sheets (N−1) × (N− 1) It shall be a scale of a sheet. Further, in the field F301 of the banknote confirmation screen, when the reduction button B306 is pressed, the scale of the banknote image displayed in the field F301 is reduced by one step from the current N × N sheets (N + 1) × (N + 1). It shall be the scale of the sheet. For example, when the field F301 on the banknote confirmation screen is in the state of FIG. 7 (4 × 4 scales) and the enlarge button B307 is pressed, the state of the field F301 is the state of FIG. 8 (3 × 3 scales). ) Further, when the field F301 on the banknote confirmation screen is in the state of FIG. 8 (3 × 3 scale) and the enlargement button B307 is pressed, the state of the field F301 is the state of FIG. 9 (2 × 2 scale). ) Further, when the field F301 on the banknote confirmation screen is in the state of FIG. 9 (2 × 2 scales) and the enlargement button B307 is pressed, the state of the field F301 is the state of FIG. 10 (1 × 1 scale). ) When the reduction button B306 is pressed on the banknote confirmation screen, the transition is reverse to the above.

  In the field F301 on the banknote confirmation screen, when the front / back switching button B304 is pressed, the front and back of the banknote image displayed in the field F301 are reversed. For example, in the field F301 shown in FIGS. 7 to 10, all the front side banknote images are displayed, but when the front / back switching button B304 is pressed, all are switched to the back side banknote images.

  Furthermore, in the field F301 of the banknote confirmation screen, the banknote image is selected by touching an arbitrary banknote image, and a cursor (dotted square cursor C in FIG. 7) is aligned with the banknote image (displayed in an overlapping manner). Display can be made. For example, in FIG. 7, a square (dotted line) cursor C is put on a banknote image G-1 of a banknote whose banknote management number is 1.

  On the banknote confirmation screen, when the one-sheet display button B308 is pressed, the display in the field F301 is an enlarged display of only the banknote image on which the cursor C is placed (a state in which the display is performed at a scale of 1 sheet × 1 sheet). ). For example, when the one-sheet display button B308 is pressed in the state where the banknote confirmation screen is shown in FIG. 7 (4 × 4 scales), the contents of the field F301 are the banknote image G of the banknote whose banknote management number is 1. -1 is in a state where only one sheet is enlarged and displayed (the state shown in FIG. 10).

  Furthermore, in the field F301 of the banknote confirmation screen, when the whole display button B305 is pressed, the display in the field F301 is changed to a state (a state shown in FIG. 7) in which the banknote image on the surface reduced to the minimum is displayed. And

  In the bill confirmation screen, when the return button B303 is pressed, the display in the field F301 is changed to the immediately preceding state.

  Furthermore, on the banknote confirmation screen, when all banknote images cannot be displayed in the field F301 at the same time, the banknote image to be displayed can be switched (scrolled) using the previous page button B309 and the next page button B310. . For example, in the banknote confirmation screen shown in FIG. 8, banknote images with banknote management numbers 1 to 9 are displayed in the field F301. When the next page button B310 is pressed, the banknote management number 10 or later is displayed in the field F301. Banknote images (banknote images of banknote management numbers 11 to 15) will be displayed.

  In addition, in the banknote confirmation screen shown in FIGS. 7-10, about the button in which the display change in the field F301 does not function effectively, the button's frame line is shown with the dotted line. For example, in FIG. 7, the image in the field F301 is reduced to the minimum and cannot be further reduced and displayed, so the reduction button B306 is indicated by a dotted line.

(A-3) Effects of Embodiment According to this embodiment, the following effects can be achieved.

  In the automatic transaction apparatus 1 of this embodiment, the transaction safety can be improved by acquiring a banknote image of a withdrawal preparation banknote and storing it in the transaction history storage unit 12 as transaction history data. For example, even if the user who made the exchange transaction with the automatic transaction apparatus 1 replaces the banknote withdrawn with another counterfeit ticket and makes a false complaint, the transaction history data It is possible to verify the exchange of banknotes by collating with the contents of (for example, collating serial numbers). Moreover, in the automatic transaction apparatus 1, it is made to recognize that the banknote image data is hold | maintained while confirming the banknote image of the banknote with which a user withdraws with the exchange transaction content confirmation screen (above-mentioned FIGS. 7-10). Therefore, the trouble suppression effect by the user after dealings can be produced.

(B) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(B-1) In said embodiment, although the automatic transaction apparatus 1 is performing the holding | maintenance of banknote image data and the presentation to a user about the banknote to withdraw, about the banknote (for example, currency exchange origin banknote) to deposit | pay. Also, before storing in the banknote cassettes 45-1 to 45-4, banknote image data is acquired and banknote storage is performed after user confirmation (confirmation by a screen in the same format as the banknote confirmation screen). In addition, storage in the transaction history storage unit 12 (the banknote image data of the exchange-source banknote may also be stored as part of the transaction history data) may be executed. Thereby, in the automatic transaction apparatus 1, the banknote (serial number of a banknote) received | paid for every transaction can be managed, and it can contribute to the safety | security improvement more.

  Moreover, in said embodiment, the automatic transaction apparatus 1 acquires banknote image data only about the banknote (for example, money-exchange source banknote) to deposit | pay, and after passing through a user's confirmation, storage of a banknote and transaction log | history memory | storage part You may make it memorize | store in 12 (it memorize | stores only about the banknote image data of the exchange original banknote as a part of transaction history data).

(B-2) In the above embodiment, the automatic transaction apparatus 1 has been described with respect to the configuration in which the banknote image data is retained and presented to the user when performing a currency exchange transaction, but is accompanied by other deposits or withdrawals. The same processing (holding banknote image data and presenting it to the user) may be performed for transactions (for example, withdrawal transactions and deposit transactions).

(B-3) In each of the above embodiments, the example of applying the transaction apparatus and transaction method of the present invention to an automatic transaction apparatus (ATM) such as a financial institution has been described. However, other deposits and / or withdrawals are involved. You may make it apply to the transaction apparatus which performs transaction. For example, the present invention can be applied to a device for performing a transaction for charging (depositing) electronic money or the like into a customer's account, a device dedicated to currency exchange, or the like.

(B-4) On the banknote confirmation screen, a part of the banknote image to be displayed may be highlighted and displayed. For example, on the banknote confirmation screen, characters representing the serial number or denomination of the banknote image may be highlighted (for example, displayed in a color such as red). For example, in FIG. 7 to FIG. 10 described above, the character string “AB0000001A” indicating the serial number of the banknote image G-1 and the character string “1000 yen” indicating the denomination are recognized by OCR or the like. You may make it perform the image process which colors a character part in red etc. FIG.

  In addition, on the banknote confirmation screen, images of normal banknotes (genuine and genuine banknotes), images of abnormal banknotes (counterfeit and / or banknotes of banknotes), etc. As a reference for confirming the banknote by the user.

  DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 10 ... Control part, 11 ... Transaction processing part, 12 ... Transaction history memory | storage part, 20 ... Operation display part, 21 ... Display, 30 ... Receipt printer, 31 ... Receipt discharge port, 40 ... Banknote deposit / withdrawal 41, deposit / withdrawal port, 41a ... shutter, 42 ... discrimination part, 43 ... photographing part, 44 ... temporary storage part, 45, 45-1 to 45-4 ... banknote cassette.

Claims (7)

Transaction accepting means for accepting transaction processing involving cash deposit and / or withdrawal from the user,
Cash storage means for storing cash withdrawn to the user and / or cash deposited by the user;
Cash holding means for holding cash deposited from the user and / or cash paid out from the cash storage means ;
Image data holding means for shooting cash held by the cash holding means, and holding cash image data of the taken cash image;
Cash processing means for performing a process of discharging the cash held by the cash holding means;
Before the cash processing means performs processing to discharge the cash held by the cash holding means, the cash image based on the cash image data held by the image data holding means is presented to the user and confirmed by the user. A transaction apparatus comprising: a cash image confirmation accepting unit that accepts an operation. And transaction details to the transaction accepting unit has accepted, according to claim 1, further comprising a transaction history data recording means for recording transaction history data including the money image data by the image data holding means is held Trading device. The cash image confirmation accepting means displays one or a plurality of cash images, and uses the operation screen capable of enlarging and / or reducing the cash image displayed according to the user's operation, The transaction apparatus according to claim 1 , wherein: The transaction apparatus according to claim 1 , wherein the transaction accepting unit corresponds to a currency exchange transaction in which at least the cash received from the user is exchanged and the cash after the exchange is withdrawn. The transaction apparatus according to claim 2 , further comprising transaction history data output means for outputting the transaction history data recorded by the transaction history data recording means in response to the user's operation. In the transaction method performed by the transaction device,
Transaction receiving means, cash storage means, cash holding means, cash processing means, image data holding means, and cash image confirmation receiving means,
The cash storage means, cash is dispensed to the User chromatography The, and or, houses a cash credited from the user,
The cash holding means holds the cash deposited from the user and / or the cash paid out from the cash storing means ,
The image data holding means captures the cash held by the cash holding means, holds the cash image data of the captured cash image,
The cash processing means performs a process of discharging the cash held by the cash holding means,
The cash image confirmation accepting means provides the user with a cash image based on the cash image data held by the image data holding means before the cash processing means performs a process of discharging the cash held by the cash holding means. Presenting and accepting confirmation operation from the user. Transaction accepting means for accepting transaction processing involving cash deposit and / or withdrawal from the user,
Cash storage means for storing cash withdrawn to the user and / or cash deposited by the user;
Cash holding means for holding cash deposited from the user and / or cash paid out from the cash storage means;
Image data holding means for shooting cash held by the cash holding means, and holding cash image data of the taken cash image;
A cash image confirmation receiving means for presenting a cash image based on the cash image data held by the image data holding means to the user and receiving a confirmation operation from the user;
After accepting the confirmation operation by the cash image confirmation accepting means, the cash processing for discharging the cash held by the cash holding means and / or the process for storing the cash held by the cash holding means in the cash storing means Means,
Transaction history data recording means for recording transaction history data including transaction details accepted by the transaction accepting means and cash image data held by the image data holding means;
A transaction apparatus comprising:

Images