CLAIM OF PRIORITY
[0001] The present application claims priority from Japanese application P2003-382555 filed
on Nov 12, 2003, the content of which is hereby incorporated by reference into this
application.
BACKGROUND
[0002] This invention relates to an automatic teller machine, and more particularly to an
automatic teller machine which has a function of exchanging spoiled notes for unspoiled
notes, an automatic teller method, and an automatic teller program.
[0003] Notes are degraded due to wearing, staining, tearing, wrinkling, foreign object sticking
or the like during use. Generally, such rather degraded notes are referred to as "spoiled
notes". On the other hand, notes of little degradation are referred to as "unspoiled
notes". Unused notes or notes near unused states among the unspoiled notes are referred
to as "mint notes". As the spoiled notes that have been rather degraded make users
unpleasant, normally, it is only mint notes/unspoiled notes that are withdrawn from
the automatic teller machine. A degradation degree of a note depends on individual's
subjectivity. Consequently, some users may feel that notes withdrawn from the automatic
teller machine are spoiled. To improve services rendered to such users, a function
must be provided to exchange spoiled ones of notes withdrawn for unspoiled notes.
[0004] Meanwhile, there has been known a money transaction device which enables selection
of withdrawal of new money (mint notes) or withdrawal of circulating money (unspoiled
notes, spoiled notes) according to user's selection instruction (e.g., JP 9-62895
A).
SUMMARY
[0005] However, in conventional note exchanging, a function of withdrawing new notes (mint
notes) has only been added to the device which has an exchanging function, and the
exchanging has been treated separately from a note input/output transaction at a bank.
Thus, in the case of exchanging notes withdrawn, note exchanging must be executed
after a withdrawal transaction is finished. Additionally, to improve safety, during
note exchanging, individual identification is preferably executed to identify who
carries out a note exchanging operation. However, the execution of individual identification
just to exchange notes involves a problem in terms of reduced usability for the users.
[0006] This invention has been made in light of the aforementioned problems, and it is therefore
an object of this invention to provide an automatic teller machine and an automatic
teller method which enable exchanging of spoiled notes for unspoiled notes (mint notes)
in note transaction (withdrawal).
[0007] An automatic teller machine according to this invention includes a note input/output
unit, a control unit for controlling each unit, a memory, a note housing unit for
housing notes, and an input unit for accepting user's operation, allows withdrawal
of a sum of notes according to an input from the user, accepts a redeposit of at least
a part of the notes withdrawn before completion of a transaction, and allows withdrawal
of a sum equivalent to the redeposited notes from the notes housed in the housing
unit and determined to be mint notes.
[0008] According to this invention, since note exchanging can be executed by a series of
note input/output transactions, the user can exchange spoiled notes for unspoiled
notes (mint notes) without going to the other device or stopping the transaction,
and usability can be improved for the user.
BRIEF DESCRIPTION OF THE DRAWINGS
[0009]
FIG. 1 is a block diagram of an automatic teller machine according to a first embodiment
of this invention.
FIGS. 2A and 2B are appearance diagrams of the automatic teller machine according
to the first embodiment of this invention.
FIG. 3 is an explanatory diagram of a display and input device according to the first
embodiment of this invention.
FIG. 4 is an explanatory diagram of the display and input device according to the
first embodiment of this invention.
FIG. 5 is a flowchart of note exchanging according to the first embodiment of this
invention.
FIG. 6 is a flowchart of fitness check and classification of counterfeit/ genuine
according to the first embodiment of this invention.
FIG. 7 is a flowchart of another fitness check and classification of counterfeit/
genuine according to the first embodiment of this invention.
FIG. 8 is a flowchart of classification of counterfeit/genuine and fitness check according
to the first embodiment of this invention.
FIG. 9 is an explanatory diagram of feature extraction according to the first embodiment
of this invention.
FIG. 10 is a block diagram showing a constitution of an automatic teller machine according
to a second embodiment of this invention.
FIG. 11 is a flowchart of note exchanging according to the second embodiment of this
invention.
FIG. 12 is a flowchart of fitness check and classification of counterfeit/genuine
according to the second embodiment of this invention.
FIG. 13 is a flowchart of another fitness check and classification of counterfeit/
genuine according to the second embodiment of this invention.
FIG. 14 is a flowchart of note exchanging according to a third embodiment of this
invention.
FIG. 15 is a flowchart of fitness check and classification of counterfeit/ genuine
according to the third embodiment of this invention.
FIG. 16 is a flowchart of another fitness check and classification of counterfeit/genuine
according to the third embodiment of this invention.
FIG. 17 is a diagram showing an example of a display screen according to the third
embodiment of this invention.
FIG. 18 is a flowchart of note exchanging according to a fourth embodiment of this
invention.
FIG. 19 is a flowchart of fitness check and classification of counterfeit/ genuine
according to the fourth embodiment of this invention.
FIG. 20 is a flowchart of another fitness check and classification of counterfeit/
genuine according to the fourth embodiment of this invention.
FIG. 21 is an appearance diagram of an automatic teller machine according to a fifth
embodiment of this invention.
FIG. 22 is a block diagram showing a constitution of the automatic teller machine
according to the fifth embodiment of this invention.
FIG. 23 is a flowchart of note exchanging according to the fifth embodiment of this
invention.
FIG. 24 is a flowchart of fitness check and classification of counterfeit/ genuine
according to the fifth embodiment of this invention.
FIG. 25 is a flowchart of another fitness check and classification of counterfeit/genuine
according to the fifth embodiment of this invention.
FIG. 26 is a block diagram showing a configuration of a banknote transaction system
according a seventh embodiment of this invention.
FIG. 27 is a block diagram showing a constitution of an automatic teller machine according
to an eight embodiment of this invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
[0010] Preferred embodiments of this invention will be described in detail below with reference
to the accompanying drawings.
[0011] FIG. 1 is a block diagram showing a constitution of an automatic teller machine according
to a first embodiment.
[0012] A note input/output unit 101 is a unit that notes are put in and withdrawn from thereof.
The note input/output unit 101 includes a note deposit opening and a note withdrawal
opening, passes notes which is put into the note deposit opening to a conveying device
141, and allows withdrawal of the notes conveyed by the conveying device 141 to the
outside of the automatic teller machine. A note separator 102 separates the notes
put into the note input/output unit 101, and passes the notes one by one to a note
validator 103.
[0013] The note validator 103 is a unit which validates fitness or classify counterfeit/
genuine notes. Fitness means quality of a note. And validating fitness means checking
whether the note has good quality to be used in the market or not. The note validator
103 includes a main memory 104 and a sensor 105, detects a deposited/withdrawn note
by the sensor 105, and collates the note with a pattern previously stored in the main
memory 104 to check fitness or classify counterfeit/genuine thereof. A control unit
106 includes a CPU (not shown) and a main memory 107. An auxiliary memory 108 consists
of a large-capacity memory such as a hard disk drive, and stores programs for controlling
the note input/output unit 101, note housing units (120 to 124), the note validator
103 and the like to carry out note transactions.
[0014] A temporary stacker 110 temporarily houses notes put into the note input/output unit
101. Note recycling boxes 120, 121 are notes housing devices for put in and withdrawing
notes, and housing notes withdrawn from the note input/output unit 101. The note recycling
boxes 120,121 also house notes suited to withdrawal among the notes put into the note
input/output unit 101. A note box 122 for spoiled notes houses much degraded notes.
Note boxes 123, 124 for counterfeit notes house notes determined to be counterfeit
by the note validator 103. Notes may be housed in different boxes for counterfeit
notes depending on suspicions of counterfeit notes (apparent counterfeit notes, notes
suspected to be counterfeit). The note conveying device 141 includes a belt, a roller
and the like. An arrow of the conveying device 141 indicates a note conveying direction.
[0015] A card input/output unit 202, a bankbook input/output unit 203, and a display and
input device (e.g., touch panel type liquid crystal display device) 204 are connected
to the control unit 106.
[0016] A user of the automatic teller machine puts a card into the card input/output unit
202. The user puts a bankbook into the bankbook input/output unit 203 when necessary.
The user starts a transaction according to contents displayed in the display and input
device 204. Then, the notes put into the note input/output unit 101 are separated
one by one by the note separator 102, and sent one by one to the note validator 103
by the conveying device 141. The notes subjected to check fitness and to classify
into the notes counterfeit/genuine thereof and the like by the note validator 103.
Then the notes are sent to the note recycling boxes 120, 121, the note box 122 for
spoiled notes, or the note boxes 123, 124 for counterfeit notes, and housed therein.
Notes withdrawn by an operation of the user are sent out from the note recycling boxes
120, 121 to the note validator 103 by the conveying device 141. Then the notes are
subjected to check fitness and to classify into the notes counterfeit/ genuine thereof
and the like by the note validator 103. The notes sent to the note input/output unit
101 to be housed. The notes housed in the note input/output unit 101 are withdrawn
by opening its cover.
[0017] FIGS. 2A and 2B are appearance diagrams of the automatic teller machine according
to the first embodiment. FIG. 2A shows an appearance of the automatic teller machine,
and FIG. 2B shows a screen example displayed in the display and input device 204 of
the automatic teller machine.
[0018] An automatic teller machine 201 includes the card input/output unit 202, the bankbook
input/output unit 203, the display and input device 204, a card box 206, a banknote
box 207, and the like. A card inserted into the card input/output unit 202 is housed
in the card box 206, and information recorded in a magnetic stripe, an IC chip or
the like of the card is obtained. A bankbook inserted into the bankbook input/ output
unit 203 is housed in the bankbook box 207, and information recorded in a magnetic
stripe, an IC chip or the like of the bankbook is obtained. The display and input
device 204 is, for example, a touch panel type LCD ( Liquid Crystal Display ), displays
transaction contents to the user and a button for accepting user's input, and information
indicating pressing/non-pressing of the button is obtained.
[0019] FIGS. 3 and 4 are explanatory views showing screen examples displayed in the display
and input device 204.
[0020] FIG. 3 shows a screen example displayed to the user when the user finishes a transaction
by the automatic teller machine and notes are withdrawn from the note input/output
unit 101. This screen is displayed to prompt the user to select "end transaction"
or "execute exchange". FIG. 4 is a screen example displayed when the user puts notes
to be exchanged into the note input/output unit 101, and the automatic teller machine
verifies the sum of the put notes. This screen is displayed to prompt verification
of coincidence of the sum of the notes put by the user with a displayed sum.
[0021] Next, description will be made of an operation for exchanging spoiled notes carried
out by the automatic teller machine of the first embodiment of this invention.
[0022] The user of the automatic teller machine inserts a card into the card input/output
unit 202. When necessary (e.g., when bankbook balance update is desired), the user
inserts a bankbook into the bankbook input/output unit 203. The display and input
device 204 includes, e.g., a touch panel type LCD. The user presses a button of a
screen 205 displayed in the display and input device 204 to select a desired type
of transaction (e.g., deposit, withdrawal, transfer, bankbook balance update or the
like). Hereinafter, the case of selecting the withdrawal will be described.
[0023] The user further operates the display and input device 204 to input necessary information
(e.g., password or the like), and subsequently inputs the sum of money to be withdrawn.
By control of the control unit 106, notes corresponding to the sum of money to be
withdrawn are delivered one by one from the note recycling box 120. The note recycling
boxes 120, 121 are note housing devices which can take in/pay notes, and house notes
altogether for, e.g., each denomination. The delivered notes are passed through the
sensor 105 of the note validator 103 to be housed in the note input/output unit 101,
and then withdrawn. The user receives the notes withdrawn. According to the conventional
note transaction device, the transaction is finished here, and the card is ejected
from the card input/output unit 202. If the bankbook has been inserted, the bankbook
is ejected from the bankbook input/output unit 203.
[0024] According to the automatic teller machine of the embodiment of this invention, the
transaction continues more here. A display screen 301 shown in FIG. 3 is displayed
in the display and input device 204 to prompt the user to select "end transaction"
or "execute exchange". When feeling no particular abnormality in the notes withdrawn,
the user presses an "END TRANSACTION" button. In this case, the card is ejected from
the card input/output unit 202. If the bankbook has been inserted, the bankbook is
ejected from the bankbook input/output unit 203 to finish the transaction.
[0025] On the other hand, when determining that the notes withdrawn include notes (namely
spoiled notes) degraded due to wearing, staining, tearing, wrinkling, foreign object
sticking thereon or the like, the user can exchange the spoiled notes for other notes.
In this case, the user puts the notes determined to be spoiled into the note input/output
unit 101. The put notes are separated one by one by the note separator 102 installed
in the note input/output unit 101, and sent to the sensor 105. The note validator
103 determines a denomination of the notes by using a signal output from the sensor
105. The control unit 106 makes control to send notes whose denomination is unclear
in the denomination determination again to the note input/output unit 101, thereby
rejecting acceptance thereof. The note whose denomination is unclear is referred to
as a "category 1".
[0026] For notes whose denomination has been clarified and classified correctly, the notes
are next subjected to classification of counterfeit/ genuine. The following two processing
methods are available for notes determined to be counterfeit as a result of the classification
of counterfeit/ genuine notes.
[0027] According to the first counterfeit notes processing method, the notes determined
to be counterfeit are sent to the note input/output unit 101 to reject acceptance.
In this case, the note boxes 123, 124 for counterfeit notes need not be disposed.
[0028] According to the second counterfeit note processing method, user ID's (e.g., identification
information or the like of users recorded in cards) are stored in the auxiliary memory
108, and the notes determined to be counterfeit are housed in the note boxes 123,
124 for counterfeit notes in order of coincidence with a memorizing sequence of the
ID's. Thus, it is possible to record which user has used the counterfeit notes. In
this case, the counterfeit notes may be further classified, notes determined to be
apparently counterfeit may be housed in the note box 123 for counterfeit notes, and
notes suspected to be counterfeit may be housed in the note box 124 for counterfeit
notes. The counterfeit notes may not be classified, and notes determined to be counterfeit
may be housed in one note box for counterfeit notes. It should be noted that the note
determined to be apparently counterfeit is referred to as a "category 2", and the
note suspected to be counterfeit is referred to as a "category 3".
[0029] Each of notes whose counterfeit-genuine determination result is genuine is subjected
to fitness check by the note validator 103, and a minimum value of a degree of spoilage,
i.e., a value of a note of least degradation among the put notes, is stored in the
main memory 104. The note determined to be genuine is referred to as a "category 4".
[0030] The control unit 106 makes control to house the put notes in the temporary stacker
110. Then, to obtain acceptance from the user, a display screen 401 shown in FIG.
4 is displayed in the display and input device 204 to indicate the sum of notes to
be exchanged. Here, if the user presses a "CANCEL" button, the automatic teller machine
returns the notes housed in the temporary stacker 110 through the sensor 105 to the
note input/output unit 101. Subsequently, the display screen 301 of FIG. 3 is displayed
again in the display and input device 204, and the process stands by until a button
is pressed.
[0031] On the other hand, if the user presses an "ACCEPT" button, the control unit 106 makes
control to first pass the notes housed in the temporary stacker 110 sequentially through
sensor 105, and houses them in the note box 122 for spoiled notes. Next, the control
unit 106 makes control to send notes corresponding to the sum of the notes put into
the note input/output unit 101 by the user from the note recycling boxes 120, 121.
The notes are sequentially passed through the sensor 105, and subjected to fitness
check by the note validator 103.
[0032] Notes determined to be higher in a degree of spoilage (degraded) than the degree
of spoilage stored in the main memory 104 as a result of the fitness check are first
housed in the temporary stacker 110. Here, when the temporary stacker 110 is filled,
the notes are sent therefrom to the sensor 105, and subjected to denomination determination
by the note validator 103. Then, based on a result of the denomination determination,
the notes are housed in one of the note recycling boxes 120, 121.
[0033] Notes determined to be lower in a degree of spoilage (not degraded) than the degree
of spoilage stored in the main memory 104 as a result of the fitness check are sent
to the note input/output unit 101, and withdrawn when notes equivalent to the sum
of money put into by the user are prepared. The user receives the notes withdrawn.
At this time, the card is ejected from the card input/output unit 202. If the bankbook
has been inserted, the bankbook is ejected from the bankbook input/output unit 203.
[0034] By such a series of operations, the notes determined to be spoiled are put again
by the user to be exchanged for unspoiled notes.
[0035] FIG. 5 is a flowchart showing a note exchanging operation of the automatic teller
machine.
[0036] As described above, the withdrawal operation of the user causes the automatic teller
machine to pay notes to the user (501). Next, the control unit 106 displays the display
screen 310 shown in FIG. 3 to prompt the user to select "end transaction" or "execute
exchange" (502). With the screen, the user selects "execute exchange" or "end transaction"
by the button on the screen. In the case of exchanging notes, the user must put the
notes into the note input/output unit 101 before button pressing. Then, the control
unit 106 determines whether the user has pressed the "END TRANSACTION" button or not
(503). If the "END TRANSACTION" button has been pressed, the transaction is finished.
If the "END TRANSACTION" button has not been pressed, the control unit 106 determines
whether the "EXEC EXCHANGE" button has been pressed or not (504). If the "EXEC EXCHANGE"
button has not been pressed, the control unit 106 returns to the step 503 to repeat
the process. If the "EXEC EXCHANGE" button has been pressed, the control unit 106
makes control to take the notes out which put into the note input/output unit 101
one by one, and to send said notes to the note validator 103 (505). Then, each of
the put notes is subjected to denomination determination by the note validator 103
(506), and fitness check and classification of counterfeit/genuine are carried out
(550). Referring to FIG. 6, the fitness check and the classification of counterfeit/
genuine will be detailed later. By the fitness check and the classification of counterfeit/genuine,
a degree of spoilage of each note is determined, and the note is determined to be
genuine or counterfeit.
[0037] Next, the control unit 106 determines whether the fitness check and the classification
of counterfeit/ genuine have been completed or not for all the notes in the note input/output
unit 101 (514). If not completed, the notes put the note input/output unit 101 are
sent again to note validator 103 (505), and the fitness check and the classification
of counterfeit/genuine are repeated. When it is determined that the fitness check
and the classification of counterfeit/genuine have been completed for all the notes,
the control unit 106 displays the sum of money put into the note input/output unit
101 in the display and input device 204 shown in FIG. 4 to prompt verification (515).
The user verifies the returned notes and the sum of put notes, presses the "CANCEL"
button when the sum of put notes is determined to be incorrect, and presses the "ACCEPT"
button when the sum is determined to be correct.
[0038] The control unit 106 determines whether the "CANCEL" button has been pressed or not
(516). Determination that the "CANCEL" button has been pressed is a case in which
the user has canceled the note exchanging. In this case, the notes housed in the temporary
stacker 110 are sent to the note input/output unit 101, and withdrawn (522). Then,
the control unit 106 returns to the step 502, and executes displaying again to prompt
the user to select "end transaction" or "execute exchange".
[0039] When it determines that the "CANCEL" button has not been pressed, the control unit
106 determines whether the "ACCEPT" button has been pressed or not (517). When it
determines that the "ACCEPT" button has not been pressed, the control unit 106 returns
to the step 516. When it is determined that the "ACCEPT" button has been pressed,
the notes are sequentially delivered from the note recycling box (518). Then, the
control unit 106 executes fitness check for the delivered notes (519), and determines,
based on the fitness check and classification of counterfeit/genuine in the step 550,
whether a degree of spoilage of the delivered notes is smaller or not than a minimum
value (value of a note determined to be cleanest) of the degree of spoilage of the
put notes stored in the main memory (511 of FIG. 6) (520). In the case of notes whose
degrees of spoilage are determined not to be smaller, i.e., the notes not cleaner
than the put notes are sent to the note recycling box to be housed (523). Then, returning
to the step 518, other notes are delivered from the note recycling box to repeat the
process. In the case of determination that the degree of spoilage is smaller, since
notes cleaner than the put notes can be withdrawn, the notes are sent to the note
input/output unit 101, the sum equal to the sum of money put into is withdrawn to
the user (521), and the transaction is finished.
[0040] FIG. 6 is a flowchart showing the fitness check and the classification of counterfeit/genuine
(550 of FIG. 5) in detail.
[0041] As a result of the classification of denomination in the step 506 of FIG. 5, the
control unit 106 first determines whether the denomination has been classified correctly
or not (507). If the denomination has not been classified correctly, i.e., in the
case of the unclarified denomination, acceptance of the notes is rejected, and the
notes are sent to the note input/output unit 101 (513), and returned to the user.
[0042] The control unit 106 executes classification of counterfeit/genuine notes if the
denomination has been classified correctly (508). If a result of the counterfeit/genuine
classification determines that the notes are not genuine (509), acceptance of the
notes is rejected, the notes are sent to the note input/output unit 101 (513), and
returned to the user. If the result of the counterfeit/genuine classification determines
that the notes are genuine (509), the notes are subjected to fitness check (510).
[0043] The control unit 106 makes control to store a degree of spoilage of the notes in
the main memory(511). The spoilage degree is determined by the fitness check. In this
event, when a plurality of notes are put into the note input/output unit 101, degrees
of spoilage are determined for all the notes, and a smallest degree of spoilage (cleanest)
is stored in the main memory 104. Next, the notes are housed in the temporary stacker
110 (512), and the process returns to the note exchanging shown in FIG. 5.
[0044] FIG. 7 is a flowchart showing another example of fitness check and classification
of counterfeit/ genuine in detail.
[0045] In the process of FIG. 6, the control unit 106 returns the notes determined to be
counterfeit to the user. However, in the process of FIG. 7, the notes determined to
be counterfeit are housed in the note boxes 123, 124 for counterfeit notes. For the
notes determined to be counterfeit and housed, identification information (e.g., note
serial number) of the notes and an ID of the user (e.g., user's account number) are
correlated, and the information is stored in the main memory 104. Steps similar to
those of FIG. 6 are denoted by similar reference numerals, and description thereof
will be omitted.
[0046] In the step 509, if the result of the counterfeit/genuine classification determines
that the notes are not genuine (counterfeit), the control unit 106 makes control to
first store the ID of the user in the main memory 104 (601). Then, the control unit
106 determines whether the notes determined to be counterfeit are apparently counterfeit
or not (the notes are apparently counterfeit, or the notes are suspected to be counterfeit)
(602).
[0047] In the case of the apparently counterfeit notes (category 2), the control unit 106
makes control to house the notes in the note box 123 for counterfeit notes (603).
In the case of the notes which are not apparently counterfeit but suspected to be
counterfeit (category 3), the control unit 106 makes control to house the notes in
the note box for counterfeit notes (note box 124 for counterfeit notes) different
from the note box 123 for counterfeit notes which houses the apparently counterfeit
notes (603).
[0048] By the process of FIG. 7, it is possible to specify the user who has put the notes
determined to be counterfeit again. Further, it is possible to house the apparently
counterfeit notes and the notes suspected to be counterfeit separately.
[0049] Now, a method of note fitness check and classification of counterfeit/ genuine will
be described.
[0050] FIG. 8 is a flowchart showing the process of classification of counterfeit (508 of
FIG. 6) and fitness check (510 of FIG. 6) executed by the note validator 103.
[0051] The note validator 103 first senses the notes input thereto by the sensor 105, and
obtains a sensor signal (701). Then, features of the notes used for the fitness check
or the classification of counterfeit/genuine are extracted from the sensor signal
(702).
[0052] FIG. 9 is an explanatory diagram showing the feature extraction of the step 702.
[0053] The features used for the fitness check or the classification of counterfeit/genuine
include, e.g., a difference value from a standard signal, an integral value, a differential
value, amplitude, variation, and the like. The note validator 103 executes the note
fitness check or the classification of counterfeit/ genuine by using one or a plurality
of such bits of information.
[0054] Next, the note validator 103 inputs information regarding the extracted feature to
a classifier (703), and a classification result of the classifier (i.e., fitness degree
or counterfeit/genuine) is output (704). For the classifier, for example, a linear
discriminant function, a quadratic discriminant function, a neural network, a support
vector machine or the like can be used.
[0055] The classification result in the case of the fitness check is a discrete value indicating
an unspoiled/ spoiled note. To compare degrees of spoilage, values of spoilage degrees
can be directly output. For a method of calculating a degree of spoilage, for example,
there are a method of identification which prepares a class for each degree of spoilage,
a method which uses a ratio or a difference of distances from a template of an unspoiled
note class and a template of a spoiled note class, and a method which uses projection
to an axis indicating the spoilage feature in the feature space. The classification
result in the case of the classification of counterfeit/genuine becomes a discrete
value corresponding to each of genuine and counterfeit notes, or a discrete value
corresponding to each of a genuine note, an apparently counterfeit note and a note
suspected to be counterfeit.
[0056] As described above, according to the automatic teller machine of the first embodiment
of this invention, in a series of withdrawal transactions, the user puts notes determined
to be spoiled among the notes withdrawn again, and thus the spoiled notes can be exchanged
for unspoiled notes. Moreover, since the note exchanging is executed without finishing
the transaction, convenience of withdrawal to the user can be improved. If the notes
are determined to be counterfeit, the measures can be taken to reject acceptance of
the notes and to return the notes to the user, house the notes together with the ID
of the user, or the like. Thus, it is possible to improve safety of the automatic
teller machine without mixing counterfeit notes during the note transaction.
[0057] Next, description will be made of an automatic teller machine according to a second
embodiment of this invention.
[0058] According to above-mentioned the automatic teller machine of the first embodiment,
the notes of low degrees of spoilage are withdrawn from the housed notes in response
to the spoiled note exchanging request from the user. However, the automatic teller
machine of the second embodiment is constituted to pay mint notes in response to a
spoiled note exchanging request from a user. Components similar in operation to those
of the first embodiment are denoted by similar reference numerals, and description
thereof will be omitted.
[0059] FIG. 10 is a block diagram showing a constitution of the automatic teller machine
according to the second embodiment of this invention.
[0060] A note box 901 for mint notes houses unused notes or substantially unused notes (mint
notes).
[0061] The user of the automatic teller machine inserts a card into the card input/output
unit 202. When bankbook balance update is desired, the user inserts the bankbook into
the bankbook input/output unit 203. The user presses a button on the screen 205 displayed
in the display and input device 204 to select a desired type of transaction (e.g.,
deposit, withdrawal, transfer, bankbook balance update or the like). Hereinafter,
the case of selecting the withdrawal will be described.
[0062] The user further operates the display and input device 204 to input necessary information
(e.g., password or the like), and subsequently inputs the sum of money to be withdrawn.
By control of the control unit 106, notes corresponding to the sum of money to be
withdrawn are delivered one by one from the note recycling box 120. The delivered
notes are passed through the sensor 105 of a note validator 103 to be housed in a
note input/output unit 101, and then withdrawn. The user receives the notes withdrawn.
According to the conventional note transaction device, the transaction is finished
here, and the card is ejected from the card input/output unit 202. If the bankbook
has been inserted, the bankbook is ejected from the bankbook input/ output unit 203.
[0063] According to the note transaction device of this embodiment of this invention, the
transaction further continues here. The display screen 301 shown in FIG. 3 is displayed
in the display and input device 204 to prompt the user to select "end transaction"
or "execute exchange". When feeling no particular abnormality in the notes withdrawn,
the user presses an "END TRANSACTION" button. In this case, the card is ejected from
the card input/output unit 202. If the bankbook has been inserted, the bankbook is
ejected from the bankbook input/output unit 203 to finish the transaction.
[0064] On the other hand, when determining that the notes withdrawn include spoiled notes,
the user can exchange the spoiled notes for other notes. In this case, the user puts
the notes determined to be spoiled into the note input/output unit 101. The put notes
are separated one by one by the note separator 102 installed in the note input/output
unit 101, and sent to the sensor 105. The note validator 103 determines a denomination
of the notes by using a signal output from the sensor 105. The control unit 106 makes
control to send notes (category 1) whose denomination is unclear in the denomination
determination again to the note input/output unit 101, thereby rejecting acceptance
thereof.
[0065] For notes whose denomination has been clarified and classified correctly, the notes
are next subjected to classification of counterfeit/ genuine.
[0066] Then, to obtain acceptance from the user, the control unit 106 displays the display
screen 401 shown in FIG. 4 in the display and input device 204 to notify the sum of
notes (category 4) determined to be genuine as a result of the counterfeit-genuine
classification to the user. Here, if the user presses a "CANCEL" button, the automatic
teller machine returns the notes housed in the temporary stacker 110 through the sensor
105 to the note input/output unit 101. Subsequently, the display screen 301 of FIG.
3 is displayed again in the display and input device 204, and the process stands by
until a button is pressed.
[0067] On the other hand, if the user presses an "ACCEPT" button, the control unit 106 makes
control to first house the notes of the temporary stacker 110 in the note box 122
for spoiled notes. Next, the control unit 106 makes control to send notes corresponding
to the sum of money put into by the user from the note box 901 for mint notes, and
send the notes through the sensor 105 to the note input/output unit 101. When notes
equivalent to the sum of money put into by the user are prepared, the notes are withdrawn.
The user receives the notes withdrawn. At this time, the card is ejected from the
card input/ output unit 202. If the bankbook has been inserted, the bankbook is ejected
from the bankbook input/output unit 203.
[0068] With such a series of operations, the notes determined to be spoiled are put again
by the user to be exchanged for unspoiled notes.
[0069] FIG. 11 is a flowchart showing a note exchanging operation according to the second
embodiment. FIGS. 12 and 13 are flowcharts of detailed operations of fitness check
and classification of counterfeit/genuine.
[0070] The second embodiment is different from the first embodiment in that fitness check
(510 of FIG. 6) and spoilage degree memorizing operation (511 of FIG. 6) are not executed
for notes put into again, in that fitness check (519 of FIG. 5) and spoilage degree
determination (520 of FIG, 5) are not executed, and in that notes withdrawn to be
exchanged are not subjected to fitness check, and notes previously housed in the note
box 901 for mint notes are delivered to be withdrawn (1001 of FIG. 11). Other operations
are similar to those (FIGS. 5, 6, and 7) of the first embodiment, and thus description
thereof will be omitted.
[0071] As described above, according to the automatic teller machine of the second embodiment
of this invention, in addition to the effects of the first embodiment, the user puts
notes determined to be spoiled again into the note input/output unit 101, and thus
the spoiled notes can be always exchanged for mint notes. For example, it is possible
to prevent a situation in which unspoiled notes withdrawn in response to an exchanging
request are determined to be spoiled by the user to cause re-exchanging, whereby convenience
can be improved for the user.
[0072] Next, description will be made of an automatic teller machine according to a third
embodiment of this invention.
[0073] The third embodiment is a modified example of the first embodiment. By identifying
notes when note exchanging is carried out, exchanging of notes alone withdrawn from
the automatic teller machine is allowed. Components similar in operation to those
of the first embodiment are denoted by similar reference numerals, and description
thereof will be omitted.
[0074] FIG. 14 is a flowchart of a note exchanging operation according to the third embodiment.
FIGS. 15 and 16 are flowcharts of detailed operations of fitness check and classification
of counterfeit/genuine. Description of operations similar to those (FIGS. 5, 6, and
7) of the first embodiment will be omitted. According to the third embodiment, information
to identify a note is obtained before notes are withdrawn to a user, and stored in
the main memory 104 (1201 of FIG. 14). The information to identify the notes is, for
example, a symbol or a number written in each note, a barcode, an IC chip embedded
in a note or the like. The control unit 106 obtains information which enables identification
of each note from such note identification information.
[0075] Then, in fitness check and classification of counterfeit/genuine (FIGS. 15 and 16),
the control unit 106 similarly obtains note identification information for notes put
thereinto to be exchanged. Then, the control unit 106 compares the obtained note identification
information with the note identification information stored in the step 1201 (1202).
Subsequently, determination is made as to whether the notes have been withdrawn from
the same automatic teller machine or not (1203). If the notes have been withdrawn
from the same automatic teller machine, as described above, the control unit 106 executes
fitness check (510), and stores the smallest value (cleanest) of a degree of spoilage
of the notes (511) in main memory 104. Then, the accepted note is housed in the temporary
stacker 110 (512).
[0076] On the other hand, if the notes have not been withdrawn from the same automatic teller
machine, the control unit 106 rejects acceptance of the notes, sends the notes to
the note input/output unit 101 (513), and returns the notes to the user.
[0077] It should be noted that, as shown in FIG. 16, as a result of counterfeit note determination,
the notes of a category 2 may be housed in a note box 123 for counterfeit notes, and
the notes of a category 3 may be housed in a note box 124 for counterfeit notes.
[0078] Additionally, when a deposited sum is displayed (515 of FIG. 14), the control unit
106 may display a display screen 1601 shown in FIG. 17. In other words, the denomination
and the number of notes not accepted because the notes have not been withdrawn from
the same automatic teller machine may be displayed to the user.
[0079] As described above, according to the automatic teller machine of the third embodiment,
in addition to the effects of the first embodiment, acceptance (redeposit) of notes
other than notes withdrawn from the same automatic teller machine can be rejected,
and safety of withdrawn note exchanging can be further improved by preventing deposit
of counterfeit notes or the like.
[0080] Next, description will be made of an automatic teller machine according to a fourth
embodiment of this invention.
[0081] The fourth embodiment is a modified example of the second embodiment. As in the third
embodiment, by identifying notes when note exchanging is carried out, exchanging of
notes alone withdrawn from the automatic teller machine is accepted. Components similar
in operation to those of the second embodiment are denoted by similar reference numerals,
and description thereof will be omitted.
[0082] FIG. 18 is a flowchart of a note exchanging operation according to the fourth embodiment.
FIGS. 19 and 20 are flowcharts of detailed operations of fitness check and classification
of counterfeit/ genuine. Description of operations similar to those (FIGS. 11, 12,
and 13) of the second embodiment will be omitted. According to the fourth embodiment,
the control unit 106 first obtains information to identify a note before notes are
withdrawn to a user, and stores the information in the main memory 104 (1201 of FIG.
18). The information to identify the notes is, for example, a symbol or a number written
in each note, a barcode, an IC chip embedded in a note and the like. The control unit
106 obtains information which enables identification of each note from such note identification
information.
[0083] Then, in fitness check and classification of counterfeit/ genuine (FIGS. 19 and 20),
the control unit 106 similarly obtains note identification information for notes put
thereinto to be exchanged. Then, the control unit 106 compares the obtained note identification
information with the note identification information stored in the step 1201 (1202).
Subsequently, determination is made as to whether the notes have been withdrawn from
the same automatic teller machine or not (1203). If the notes have been withdrawn
from the same automatic teller machine, as in the first embodiment, the control unit
106 executes fitness check (510), and houses the notes of a smallest value (cleanest)
of a degree of spoilage (511). Then, the accepted note is housed in the temporary
stacker 110 (512).
[0084] On the other hand, if the notes have not been withdrawn from the same automatic teller
machine, the control unit 106 rejects acceptance of the notes, sends the notes to
the note input/output unit 101 (513), and returns the notes to the user.
[0085] As shown in FIG. 20, as a result of counterfeit note determination, the notes of
a category 2 may be housed in the note box 123 for counterfeit notes, and the notes
of a category 3 may be housed in a note box 124 for counterfeit notes.
[0086] Additionally, when a deposited sum is displayed (515 of FIG. 18), the control unit
106 may display a display screen 1601 shown in FIG. 17. In other words, the denomination
and the number of notes not accepted because the notes have not been withdrawn from
the same automatic teller machine may be displayed to the user.
[0087] As described above, according to the automatic teller machine of the fourth embodiment,
as in the third embodiment, acceptance (redeposit) of notes other than notes withdrawn
from the same automatic teller machine can be rejected, and safety of withdrawn note
exchanging can be further improved by preventing deposit of counterfeit notes and
the like.
[0088] Next, description will be made of an automatic teller machine according to a fifth
embodiment of this invention.
[0089] According to the fifth embodiment, the automatic teller machine includes a sensor
for detecting a position of a user, and determines whether or not the user is near
the device to be able to operate the same. Components similar in operation to those
of the first embodiment are denoted by similar reference numerals, and thus description
thereof will be omitted.
[0090] FIG. 21 is an external view of the automatic teller machine of the fifth embodiment.
FIG. 22 is a block diagram showing a constitution of the automatic teller machine
of the fifth embodiment.
[0091] The automatic teller machine of the fifth embodiment includes at least one of a camera
1701, a distance sensor 1702, and a pressure sensor 1703 to check presence of a user
in front of the automatic teller machine. The camera 1701 is disposed in a position
to photograph a front portion of the automatic teller machine, to determine the presence
of the user in front of the automatic teller machine by recognizing a taken image.
The distance sensor 1702 uses, e.g., infrared rays to measure a distance from an object.
The pressure sensor 1703 uses, e.g., a piezoelectric element to determine whether
pressure has been applied to the pressure sensor 1703 or not (e.g., whether the user
is on the pressure sensor 1703 or not).
[0092] FIG. 23 is a flowchart of a note exchanging operation carried out by the control
unit 106 according to the fifth embodiment. FIGS. 24 and 25 are flowcharts of detailed
operations of fitness check and classification of counterfeit/ genuine.
[0093] First, as described above, the control unit 106 makes control to put notes into the
note input/output unit 101 (501), and detects a position of the user by the camera
1701 or the sensor (distance sensor 1702 or pressure sensor 1703) (1901). In the case
of using the camera 1701, for example, the position of the user is detected based
on a difference between an input image and the background. In the case of using the
distance sensor 1702, the position of the user is detected based on a distance between
the automatic teller machine and the user. In the case of using the pressure sensor
1703, the position of the user is detected based on weight of the user on the sensor.
[0094] The control unit 106 determines whether the user detected in the step 1901 is in
a prescribed area (area in which the user can operate the automatic teller machine)
or not (1902). If the user is in the prescribed area, i.e., the user can operate the
automatic teller machine, the process moves to a step 1917. If the user is not in
the prescribed area, i.e., the user cannot operate the automatic teller machine, the
process moves to a step 1903.
[0095] In the step 1917, the control unit 106 determines whether note exchanging has been
executed or not (execution/non-execution of note exchanging). If note exchanging has
not been executed, the control unit 106 displays the display screen 301 of FIG. 3
(502). On the other hand, if note exchanging has been executed, the control unit 106
determines whether an "END TRANSACTION" button has been pressed or not (503). If the
"END TRANSACTION" button has been pressed, a card is ejected from a card input/output
unit 202. If a bankbook has been inserted, the bankbook is ejected from a bankbook
input/output unit 203. On the other hand, if the "END TRANSACTION" button has not
been pressed, the control unit 106 determines whether an "EXEC EXCHANGE" button has
been pressed or not (504). If the "EXEC EXCHANGE" button has not been pressed, the
process returns to the step 503. If the "EXEC EXCHANGE" button has been pressed (1918),
the process moves to the step 1901.
[0096] In the step 1903, the control unit 106 determines whether deposited notes are left
in the cask input/ output unit 101 or not. If deposited notes are left in the note
input/output unit 101, the notes are delivered from the note input/output unit 101,
sent to the note validator 103 (1904), classification of denomination is executed
(1905), and fitness check and classification of counterfeit/genuine shown in FIG.
24 are executed.
[0097] Subsequently, the control unit 106 determines whether fitness check and classification
of counterfeit/genuine have been completed or not for all the notes (1915). If fitness
check and classification of counterfeit/genuine have not been completed for all the
notes, the control unit 106 returns to the step 1904 to make determination for the
remaining notes. On the other hand, if fitness check and classification of counterfeit/
genuine have been completed for all the notes, a card is housed in the card box 206.
If a bankbook has been inserted, the bankbook is housed in a bankbook box 207 (1917),
and the transaction is finished.
[0098] FIG. 24 is a flowchart showing the fitness check and the classification of counterfeit/
genuine in detail.
[0099] The control unit 106 first determines whether the denomination has been classified
correctly or not as a result of the note denomination determination in the step 1905
(1906). If the denomination has not been classified correctly, i.e., in the case of
the unclarified denomination, acceptance of the notes is rejected. The notes are sent
to the note input/ output unit 101 (1914), and returned to the user. On the other
hand, the control unit 106 executes classification of counterfeit/genuine notes if
the denomination has been classified correctly (1907).
[0100] The control unit 106 determines whether the notes are genuine or not as a result
of the classification of counterfeit/genuine (1908). If the result of the counterfeit/genuine
classification confirms that the notes are not genuine, acceptance of the notes is
rejected, and the notes are sent to the note input/ output unit 101 (1914), and returned
to the user. On the other hand, if the result of the counterfeit/genuine classification
confirms that the notes are genuine, the notes are subjected to fitness check (1910).
[0101] If a result of fitness check reveals that the notes are unspoiled, the control unit
106 makes control to house the notes in a note recycling box 120 or 121 according
to the denomination (1911). If the notes are not unspoiled, the control unit 106 determines
that the notes are spoiled, and the notes are housed in the note box 122 for spoiled
notes (1912). Then, the control unit 106 adds the sum in the note input/output unit
101 to user's bank balance (1912). With the step 1912, if the user is not in front
of the automatic teller machine (user cannot operate the automatic teller machine)
after an end of the transaction, the sum of notes is added to user's bank balance.
Accordingly, stealing of withdrawn note by a third party is prevented.
[0102] Additionally, in the fitness check and the classification of counterfeit/genuine
of FIG. 23, if the notes are determined to be counterfeit after the classification
of counterfeit/genuine as shown in FIG. 6 of the first embodiment, an ID of the user
may be stored, and the notes may be housed in the note boxes 123, 124 for counterfeit
notes shown in FIG. 25.
[0103] As described above, according to the automatic teller machine of the fifth embodiment
of this invention, when it is determined that the user cannot operate the automatic
teller machine (e.g., user is not in front of the automatic teller machine), the notes
are housed in the automatic teller machine, and the sum thereof is added to user's
bank balance. Thus, it is possible to eliminate a danger of stealing by the third
party, and to improve safety of the automatic teller machine.
[0104] Next, description will be made of an automatic teller machine according to a sixth
embodiment of this invention.
[0105] According to the first and second embodiments, the degree of spoilage of the note
is based on the deposited note. However, according to the automatic teller machine
of the sixth embodiment, a process of withdrawing notes alone whose degrees of spoilage
are equal to or less than a prescribed threshold value (parameter for fitness check)
is carried out, and the threshold value is dynamically updated.
[0106] The control unit 106 executes fitness check for notes put to be exchanged, and calculates
degrees of spoilage. Then, by using the calculated degrees of spoilage, the parameter
for fitness check is updated. For example, a weighted average of values of the calculated
degrees of spoilage and the stored parameter for fitness check is calculated, and
this average is set as a new parameter for fitness check. Thereafter, in the fitness
check for the deposited notes, the control unit 106 makes control to house the notes
in a note box for spoiled notes if the values of the degrees of spoilage exceed the
parameter for fitness check, and withdraw the notes whose degrees of spoilage are
less than the parameter for fitness check.
[0107] As described above, according to the automatic teller machine of the sixth embodiment,
by dynamically updating the parameter for fitness check in the automatic teller machine,
degrees of spoilage different from user to user are numerically classified, and a
weighted average thereof is obtained. Thus, the parameter for fitness check can be
further approximated to an average value. As a result, since notes determined to be
spoiled by many users are not withdrawn, convenience can be improved for the users.
[0108] Next, description will be made of a banknote transaction system according to a seventh
embodiment.
[0109] According to the automatic teller machine of the seventh embodiment, a parameter
for fitness check that is a threshold value for fitness check is set for each user.
As in the sixth embodiment, the control unit 106 executes fitness check for notes
put thereinto to be exchanged, and calculates degrees of spoilage. Then, by using
the calculated degrees of spoilage, the parameter for fitness check is updated. For
example, a weighted average of values of the calculated degrees of spoilage and the
stored parameter for fitness check is calculated, and this average is set as a new
parameter for fitness check.
[0110] Thereafter, the control unit 106 makes control to withdraw notes alone whose values
of degrees of spoilage are less than the new parameter for fitness check to the same
users. To specify individual identification information (e.g., ID or account number)
of a card is used. As shown in FIG. 26, the control unit 106 may make control to send
the information of the parameter for fitness check for each user through a network
2102 to a shared server 2101, and store the information therein. The information of
the parameter for fitness check can be shared by a plurality of automatic teller machines
(201a, 201b, and 201c). Thus, no matter which automatic teller machine 201 the user
uses, the same information of the parameter for fitness check can be shared based
on the information of the shared server 2101.
[0111] As described above, according to the automatic teller machine of the seventh embodiment
of this invention, by dynamically updating the parameter for fitness check, and sharing
the parameter for fitness check through the network 2102, no matter which automatic
teller machines installed in a plurality of places the user uses, notes less than
the same degree of fitness check can be withdrawn. Moreover, since the notes can be
withdrawn not only according to user's note exchanging request but also based on the
parameter for fitness check shared during the withdrawal, convenience can be improved
for the users.
[0112] Next, description will be made of an automatic teller machine according to an eighth
embodiment.
[0113] The automatic teller machine of the eighth embodiment includes a cleaning mechanism
for cleaning notes. Components similar in operation to those of the first to seventh
embodiments are denoted by similar reference numerals, and description thereof will
be omitted.
[0114] FIG. 27 is a block diagram showing a constitution of the automatic teller machine
of the eighth embodiment.
[0115] The automatic teller machine includes a cleaning mechanism 2201. For example, the
cleaning mechanism 2201 executes wrinkle removal from notes by an iron or sterilization.
[0116] As described above, after note withdrawal, the control unit 106 displays a screen
of FIG. 3 for execution/non-execution of note exchanging on a display screen. When
determining that the notes withdrawn from the automatic teller machine are spoiled,
a user puts notes again into the note input/output unit 101. The control unit 106
makes control to temporarily house the put notes through the cleaning mechanism 2201
in the temporary stacker 110. In this event, the notes are cleaned by the cleaning
mechanism 2201. Then, the cleaned notes are sent again to the note input/output unit
101, and withdrawn to the user.
[0117] As described above, according to the automatic teller machine of the eighth embodiment
of this invention, since the notes requested by the user are cleaned and withdrawn,
accumulation of the notes more than necessary in the note box 122 for spoiled notes
is prevented. Moreover, since the user directly returns the notes housed in the note
input/output unit 101, loss caused by counterfeit note exchanging can be prevented,
and safety of a withdrawn note exchanging device can be enhanced.
[0118] Each of the automatic teller machines of the first to eighth embodiments uses the
note recycling boxes 120, 121 because of a recycling function of reusing the deposited
notes as notes to be withdrawn. However, this invention is not limited to the constitution.
One of the note recycling boxes 120, 121 may be used as a deposited note housing dedicated
box (notes are only taken in, but not withdrawn) which has a note taking-in function
only, and the other may be used as a withdrawn note housing dedicated box (notes are
only withdrawn, but not taken in) which has a note withdrawing function only. Even
in the automatic teller machine which has no recycling functions but the deposit/withdrawal
function, notes withdrawn can be exchanged as in the first to eighth embodiments.
[0119] Furthermore, the embodiments of this invention have been described by taking the
example of notes (bank notes). However, essence of this invention is not changed even
when the embodiments are applied to money such as coins, securities, and the like.
[0120] While the present invention has been described in detail and pictorially in the accompanying
drawings, the present invention is not limited to such detail but covers various obvious
modifications and equivalent arrangements, which fall within the purview of the appended
claims.