Automated trading device

Abstract

To reduce fear associated with ATM transactions. [Solution] In a transaction that includes accepting a cash deposit, the automated trading device 10 sets a first timeout time and opens the shutter 1a provided on the cash deposit slot 1 that accepts the cash deposit. The automated trading device 10 displays a screen 3 on the display unit 11 that shows the time from the current time to the first timeout time. The automated trading device 10 closes the shutter 1a after the first timeout time.

Description

Technical Field

[0001] The present invention relates to an automated transaction apparatus.

Background Art

[0002] In a deposit transaction using an automated teller machine (ATM), the ATM accepts the deposit of cash corresponding to the amount to be deposited into an account. When taking in the deposited cash, the ATM may close a shutter provided at the cash insertion slot.

[0003] As a technology related to an ATM, for example, an automated transaction apparatus that prevents forgetting of cash or forgetting to insert cash has been proposed. Also, for example, an automated transaction apparatus that stops and resumes the closing operation of a shutter in response to an operation from a user has been proposed.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0005] The shutter at the cash insertion slot is closed, for example, after a sensor detects that the user's hand has left the cash insertion slot. However, the user may not know the timing when the shutter closes and may have a fear of getting their hand caught by the shutter.

[0006] On one aspect, the present case aims to reduce the fear in transactions using an ATM.

Means for Solving the Problems

[0007] One proposal provides an automated trading device having a display unit, a shutter, and a processing unit. The shutter is installed at the cash slot for receiving cash. In a transaction that includes receiving cash, the processing unit sets a first timeout time, opens the shutter, displays a screen on the display unit showing the time from the current time to the first timeout time, and closes the shutter after the first timeout time. [Effects of the Invention]

[0008] According to one embodiment, it is possible to reduce the fear associated with transactions using ATMs. [Brief explanation of the drawing]

[0009] [Figure 1] This figure shows an example of an automated trading device according to the first embodiment. [Figure 2] This figure shows an example of an information processing system according to the second embodiment. [Figure 3] This diagram shows an example of an ATM hardware configuration. [Figure 4] This figure shows an example of what an ATM looks like. [Figure 5] This is a diagram showing examples of ATM functions. [Figure 6] This is a diagram (part 1) showing an example of a trading screen. [Figure 7] This is a diagram (part 2) showing an example of a trading screen. [Figure 8] This is a diagram (part 3) showing an example of a trading screen. [Figure 9] This is a diagram (part 4) showing an example of a trading screen. [Figure 10] This is Figure (No. 5) showing an example of a trading screen. [Figure 11] This is Figure (No. 6) showing an example of a trading screen. [Figure 12] This is a flowchart illustrating an example of the transaction processing procedure. [Figure 13] This is a flowchart illustrating an example of the procedure for processing a payment.

Best Mode for Carrying Out the Invention

[0010] Hereinafter, this embodiment will be described with reference to the drawings. Note that a plurality of embodiments can be combined and implemented within a non - conflicting range. 〔First Embodiment〕 First, the first embodiment will be described.

[0011] FIG. 1 is a diagram showing an example of an automatic transaction device according to the first embodiment. The first embodiment displays the timing at which the shutter 1a closes during a transaction. The automatic transaction device 10 is a device that executes a transaction using a user's bank account according to the user's operation. The automatic transaction device 10 is, for example, an ATM installed in a financial institution or the like.

[0012] The automatic transaction device 10 has a cash insertion slot 1, a shutter 1a, a display unit 11, a touch panel 11a, and a processing unit 12. The cash insertion slot 1 is an area for temporarily storing the cash inserted into the automatic transaction device 10. The cash insertion slot 1 is, for example, a coin inlet / outlet for receiving and discharging coins, a bill inlet / outlet for receiving and discharging bills, etc. The cash insertion slot 1 is used to receive the insertion of cash 2. The cash 2 is the cash inserted into the automatic transaction device 10 by the user. The cash 2 is, for example, bills or coins. The automatic transaction device 10 reads the cash 2 inserted into the cash insertion slot 1 using a coin processing unit or a bill processing unit and stores it inside the device.

[0013] The shutter 1a is a shutter provided at the cash insertion slot 1. When the shutter 1a is open, cash can be inserted into the cash insertion slot 1, and when the shutter 1a is closed, the insertion of cash into the cash insertion slot 1 is restricted.

[0014] The display unit 11 is a device that displays the operation screen of the automatic transaction device 10. For example, the display unit 11 is a display that the automatic transaction device 10 has. The touch panel 11a receives touch input from the operator. The touch panel 11a is arranged overlapping the display unit 11. The touch panel 11a detects the position on the screen of the display unit 11 where a touch input is made. The processing unit 12 controls the automatic transaction device 10 and is capable of executing required processing. The processing unit 12 is, for example, a processor or arithmetic circuit that the automatic transaction device 10 has.

[0015] In a transaction including acceptance of cash input, the processing unit 12 sets a first timeout time and opens the shutter 1a. A transaction including acceptance of cash input is, for example, a deposit transaction in which the amount of the deposited cash 2 is deposited into the user's account. For example, when the processing unit 12 opens the shutter 1a, it sets the time after a predetermined time as the first timeout time. Then, the processing unit 12 causes the screen 3 to be displayed on the display unit 11.

[0016] The screen 3 is a screen that shows the time from the current time to the first timeout time. For example, the screen 3 includes a message indicating that the shutter 1a will close after a predetermined time such as "45 seconds until the shutter closes". The time shown on the screen 3 is counted down, for example, every time 1 second elapses.

[0017] Also, the screen 3 includes a first area where buttons are displayed. When the touch panel 11a detects an operation of touching the first area of the display unit 11 on which the screen 3 is displayed, the processing unit 12 executes processing corresponding to the button. For example, the screen 3 includes a "Complete" button. When the touch panel 11a detects an operation of touching the area of the display unit 11 where the "Complete" button is displayed, the processing unit 12 closes the shutter 1a before the first timeout time.

[0018] The processing unit 12 closes the shutter 1a after the first timeout period. For example, when the first timeout period arrives, the processing unit 12 detects the user's hand from the cash slot 1 using a sensor. When the user's hand is no longer detected from the cash slot 1, the processing unit 12 closes the shutter 1a.

[0019] Furthermore, when the display unit 11 is displaying screen 3, the processing unit 12 receives a predetermined operation and sets a second timeout time that is later than the first timeout time. For example, the processing unit 12 sets the second timeout time when the touch panel 11a detects an operation to touch the second area of ​​screen 3 excluding the first area. In other words, the processing unit 12 sets the second timeout time when the touch panel 11a detects an operation to touch the blank area of ​​screen 3 excluding the "Done" button.

[0020] The processing unit 12 updates screen 3 to show the time from the current time to the second timeout time. For example, the processing unit 12 updates the message on screen 3 indicating that the shutter 1a will close after a predetermined time to a message showing the time from the current time to the second timeout time. Then, the processing unit 12 closes the shutter 1a after the second timeout time. For example, when the second timeout time arrives, the processing unit 12 detects the user's hand from the cash slot 1 using a sensor. When the user's hand is no longer detected from the cash slot 1, the processing unit 12 closes the shutter 1a.

[0021] According to the first embodiment, the shutter 1a of the automated trading device 10 is provided at the cash slot 1 that accepts the insertion of cash 2. The processing unit 12 of the automated trading device 10 sets a first timeout time and opens the shutter 1a in a transaction that includes the acceptance of cash insertion. The processing unit 12 displays a screen 3 on the display unit 11 that shows the time from the current time to the first timeout time. The processing unit 12 closes the shutter 1a after the first timeout time.

[0022] This allows the automated transaction device 10 to notify the user of the timing when the shutter 1a will close. Therefore, the automated transaction device 10 can reduce the fear associated with ATM transactions.

[0023] Furthermore, when the display unit 11 receives a predetermined operation while screen 3 is being displayed, the processing unit 12 sets a second timeout time that is after the first timeout time and updates screen 3 to show the time from the current time to the second timeout time. Then, the processing unit 12 closes the shutter 1a after the second timeout time. This allows the user to extend the time that the shutter 1a remains open in the automated trading device 10.

[0024] Furthermore, the touch panel 11a of the automated trading device 10 is positioned on top of the display unit 11. When the touch panel 11a detects an operation in which the buttons on the display unit 11 displaying screen 3 are touched, the processing unit 12 executes a process corresponding to the button. When the touch panel 11a detects an operation in which the second area of ​​screen 3, excluding the first area, the processing unit 12 sets a second timeout time. This allows the automated trading device 10 to extend the time that the shutter 1a remains open without the user having to rush.

[0025] The processing unit 12 may also display screen 3 on the display unit 11, which includes a step display showing multiple operational steps included in a transaction. Furthermore, if a second timeout time is set, the processing unit 12 may update screen 3 so that the step display shows that the step for accepting cash among the multiple operational steps has been extended. This allows the automated trading device 10 to clearly indicate to the user that the time the shutter 1a remains open has been extended.

[0026] [Second Embodiment] Next, a second embodiment will be described. In the second embodiment, the ATM indicates the timing for when the shutter will close.

[0027] Figure 2 shows an example of an information processing system according to the second embodiment. The information processing system of the second embodiment includes an ATM 100 and a host server 30. The ATM 100 is a device that receives input operations from users via a touch panel and executes transactions such as deposits, withdrawals, and transfers based on the received input. The information processing system of the second embodiment may have multiple ATMs similar to the ATM 100.

[0028] The ATM 100 is connected to the host server 30 via the network 20. The network 20 may be a wired network or a wireless network. The network 20 may also be a dedicated line. The host server 30 is a server computer for managing a database that stores information such as bank account details. The host server 30 retrieves transaction details from the ATM 100 and updates the information stored in the database based on the retrieved transaction details.

[0029] Figure 3 shows an example of the hardware configuration of an ATM. The ATM 100 is controlled as a whole by a processor 101. The processor 101 is connected to memory 102 and several peripheral devices via a bus 108. The processor 101 may be a multiprocessor. The processor 101 may be, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or a DSP (Digital Signal Processor). At least some of the functions that the processor 101 implements by executing a program may be implemented by electronic circuits such as an ASIC (Application Specific Integrated Circuit) or a PLD (Programmable Logic Device).

[0030] Memory 102 is used as the main memory of the ATM 100. Memory 102 temporarily stores at least a portion of the OS (Operating System) program and application programs that are to be executed by the processor 101. Memory 102 also stores various data used for processing by the processor 101. As memory 102, a volatile semiconductor memory device such as RAM (Random Access Memory) is used.

[0031] Peripheral devices connected to bus 108 include a storage device 103, a network interface 104, a display processing unit 105, a touch panel processing unit 106, and an I / O (Input / Output) control unit 107.

[0032] The storage device 103 electrically or magnetically writes and reads data from its built-in recording medium. The storage device 103 is used as an auxiliary storage device for the ATM 100. Various data, including OS programs, application programs, and transaction history information, are stored in the storage device 103. For example, an HDD (Hard Disk Drive) or an SSD (Solid State Drive) can be used as the storage device 103.

[0033] The network interface 104 is connected to the network 20. The network interface 104 sends and receives data to and from the host server 30 via the network 20.

[0034] A display 111 is connected to the display processing unit 105. The display processing unit 105 displays various information, such as operation instructions, on the screen of the display 111 according to instructions from the processor 101. The display 111 can be an organic EL (Electro Luminescence) display device or a liquid crystal display device.

[0035] A touch panel 112 is connected to the touch panel processing unit 106. The touch panel 112 is positioned, for example, in front of the display 111. The touch panel processing unit 106 detects the position on the screen where the operator's finger touches or approaches the touch panel 112 and notifies the processor 101.

[0036] The I / O control unit 107 is connected to the card / receipt processing unit 113, the passbook processing unit 114, the coin processing unit 115, and the banknote processing unit 116. The I / O control unit 107 notifies each connected unit of instructions from the processor 101 according to the instructions from the processor 101. The I / O control unit 107 also notifies the processor 101 of information acquired from each unit via the bus 108.

[0037] The card / receipt processing unit 113 is a unit that processes cash cards and receipts. The card / receipt processing unit 113 controls the insertion and ejection of cash cards. The card / receipt processing unit 113 reads the information (account number, etc.) recorded on the magnetic strip attached to the inserted cash card. The card / receipt processing unit 113 also prints characters and images on paper according to the instructions of the processor 101. The card / receipt processing unit 113 issues a receipt with the transaction details printed on it.

[0038] The passbook processing unit 114 controls the insertion and ejection of passbooks. It also reads the magnetically recorded information (such as account numbers) attached to the inserted passbook. Furthermore, the passbook processing unit 114 has a function to print on the passbook, enabling passbook entries.

[0039] The coin processing unit 115 controls the deposit and withdrawal of coins and the opening and closing of the shutter of the coin slot according to the instructions of the processor 101. The coin processing unit 115 reads the type of coin and outputs it to the processor 101. The coin processing unit 115 also ejects coins according to the instructions of the processor 101. The banknote processing unit 116 controls the deposit and withdrawal of banknotes and the opening and closing of the shutter of the banknote slot according to the instructions of the processor 101. The banknote processing unit 116 reads the type and serial number of banknotes and outputs them to the processor 101. The banknote processing unit 116 also ejects banknotes according to the instructions of the processor 101.

[0040] Furthermore, the I / O control unit 107 can read data from or write data to the portable recording medium 31. The portable recording medium 31 is, for example, a recording medium such as a DVD (Digital Versatile Disc) or a CD (Compact Disc). The portable recording medium 31 can store transaction history information, etc.

[0041] Furthermore, the automated transaction device 10 shown in the first embodiment can also be realized with the same hardware as the ATM 100 shown in Figure 3. Also, the processor 101 is an example of the processing unit 12 shown in the first embodiment. Also, the display 111 is an example of the display unit 11 shown in the first embodiment.

[0042] The ATM 100 implements the processing functions of the second embodiment by executing a program recorded on a computer-readable recording medium, for example. The program describing the processing to be executed by the ATM 100 can be recorded on various recording media. For example, the program to be executed by the ATM 100 can be stored in the storage device 103. The processor 101 loads at least a portion of the program in the storage device 103 into the memory 102 and executes the program. Alternatively, the program to be executed by the ATM 100 can be recorded on the portable recording medium 31. The program stored on the portable recording medium 31 becomes executable after being installed in the storage device 103, for example, under control from the processor 101. The processor 101 can also directly read and execute the program from the portable recording medium 31.

[0043] Next, I will describe the appearance of the ATM100. Figure 4 shows an example of the appearance of an ATM. The ATM 100 has a horizontal surface and a surface positioned in front of the operator. A display 111 and a touch panel 112 are positioned on the horizontal surface. The display 111 shows the operation screen of the ATM 100. The touch panel 112 is positioned in front of the display 111. The touch panel 112 detects the operator's touch operation on the screen displayed by the display 111. As a result, the display 111 and the touch panel 112 provide guidance on transaction operations by the ATM 100 and receive instructions from the operator.

[0044] The side facing the operator has a card / receipt slot 21, a passbook slot 22, a banknote slot 23, and a coin slot 24. The card / receipt slot 21 is used for inserting and ejecting cash cards and ejecting receipts. The card / receipt processing unit 113 reads information such as the account number from the cash card inserted into the card / receipt slot 21. The card / receipt processing unit 113 also ejects the cash card from the card / receipt slot 21 after the transaction is completed. The card / receipt processing unit 113 also ejects a receipt printed with the transaction details from the card / receipt slot 21 after the transaction is completed.

[0045] The passbook slot 22 is used for inserting passbooks by the operator and ejecting passbooks by the passbook processing unit 114. The passbook processing unit 114 reads information such as the account number from the passbook inserted into the passbook slot 22. The passbook processing unit 114 also prints on the passbook inserted through the passbook slot 22. Finally, the passbook processing unit 114 ejects the passbook from the passbook slot 22 after the transaction is completed.

[0046] The banknote slot 23 is used for inserting banknotes by the operator and for dispensing banknotes by the banknote processing unit 116. The banknote slot 23 temporarily stores banknotes inserted by the operator or banknotes dispensed from the ATM 100. The banknote slot 23 is equipped with a shutter 23a. When the shutter 23a is closed, the operator of the ATM 100 cannot insert banknotes into or remove banknotes from the banknote slot 23. When the shutter 23a is open, the operator of the ATM 100 can insert banknotes into and remove banknotes from the banknote slot 23.

[0047] When accepting a cash deposit, the banknote processing unit 116 opens the shutter 23a. After closing the shutter 23a, the banknote processing unit 116 reads the banknotes inserted into the banknote slot 23 and stores them inside the ATM 100. When cash is withdrawn, the banknote processing unit 116 releases the withdrawn banknotes from the banknote slot 23 and opens the shutter 23a.

[0048] The coin slot 24 is an opening used for inserting coins by the operator and dispensing coins by the coin processing unit 115. The coin slot 24 temporarily stores coins inserted by the operator or coins dispensed from the ATM 100. The coin slot 24 is equipped with a shutter 24a. When the shutter 24a is closed, the operator of the ATM 100 cannot insert coins into or remove coins from the coin slot 24. When the shutter 24a is open, the operator of the ATM 100 can insert coins into and remove coins from the coin slot 24.

[0049] When accepting a cash deposit, the coin processing unit 115 opens the shutter 24a. After closing the shutter 24a, the coin processing unit 115 reads the coins inserted into the coin slot 24 and stores them inside the ATM 100. When cash is withdrawn, the coin processing unit 115 releases the withdrawn coins from the coin slot 24 and opens the shutter 24a.

[0050] Note that the banknote slot 23 and coin slot 24 are examples of the cash slot 1 shown in the first embodiment. Below, only the control of the shutter 23a provided at the banknote slot 23 when banknotes are inserted will be described, but the shutter 24a provided at the coin slot 24 may also be controlled in the same way as the shutter 23a when coins are inserted. Furthermore, the shape of the ATM 100 and the arrangement of its parts are not limited to those shown in Figure 4.

[0051] This ATM 100 executes transactions using the user's account. When cash is deposited, the ATM 100 opens the shutter 23a to accept the insertion of banknotes into the banknote slot 23, closes the shutter 23a, and stores the inserted banknotes inside the ATM 100's device. However, the user may not know when the shutter 23a will close and may fear that their hand may get caught in the shutter 23a when inserting banknotes into the banknote slot 23. Therefore, in the second embodiment, the ATM 100 keeps the shutter 23a on the banknote slot 23 open for a predetermined time and displays the timing for closing the shutter 23a on the display 111. Next, the functions of the ATM 100 will be described in detail.

[0052] Figure 5 is a block diagram illustrating an example of ATM functionality. The ATM 100 includes a unit control unit 130, an input / output control unit 140, and a communication control unit 150. The unit control unit 130, input / output control unit 140, and communication control unit 150 are realized by the processor 101 executing a program stored in memory 102.

[0053] The unit control unit 130 controls each unit. At the start of a transaction, the unit control unit 130 accepts the insertion of a cash card from the card / receipt slot 21. The unit control unit 130 reads information such as the account number from the cash card inserted from the card / receipt slot 21 using the card / receipt processing unit 113. The unit control unit 130 also returns the cash card at the end of the transaction. For example, the unit control unit 130 causes the card / receipt processing unit 113 to eject the cash card and a receipt showing the transaction details from the card / receipt slot 21.

[0054] The unit control unit 130 sets a timeout time and opens the shutter 23a when accepting cash. For example, the unit control unit 130 sets the timeout time to a predetermined time from the current time (for example, 45 seconds later) and causes the banknote processing unit 116 to open the shutter 23a. When the timeout time is reached, the unit control unit 130 closes the shutter 23a. For example, the unit control unit 130 causes the banknote processing unit 116 to confirm by a sensor that the user's hands are not near the banknote slot 23 before closing the shutter 23a. Then, the unit control unit 130 causes the banknote processing unit 116 to read the type and quantity of banknotes inserted into the banknote slot 23 and store them in the device.

[0055] Furthermore, if the input / output control unit 140 receives an operation to extend the time that the shutter 23a is open, the unit control unit 130 resets the timeout time. For example, the unit control unit 130 resets the timeout time to a predetermined time (for example, 15 seconds) after the original timeout time.

[0056] The input / output control unit 140 controls input and output via the display 111 and touch panel 112. The input / output control unit 140 accepts the selection of transaction type, input of a PIN, input of a transaction amount, etc., via the display 111 and touch panel 112. When accepting a cash deposit, if the unit control unit 130 sets a timeout time, the input / output control unit 140 displays a deposit screen on the display 111 showing the time from the current time to the timeout time. On the deposit screen, the input / output control unit 140 accepts an operation to extend the time the shutter 23a is open. If the unit control unit 130 resets the timeout time, the input / output control unit 140 updates the deposit screen to show the time from the current time to the reset timeout time.

[0057] The communication control unit 150 controls communication with the host server 30. The communication control unit 150 notifies the host server 30 of the entered PIN and the account number read from the cash card, and requests an inquiry. The communication control unit 150 also communicates with the host server 30 and requests the execution of a transaction.

[0058] Note that the lines connecting each element shown in Figure 5 represent only a portion of the communication path, and other communication paths besides those shown can also be configured. Next, the display screen of ATM100 will be explained in detail.

[0059] Figure 6 is a diagram (part 1) showing an example of a transaction screen. The ATM 100 displays screen 41 on the display 111 when waiting for a user to operate it. Screen 41 is a screen for accepting the selection of transaction type. At the top of screen 41 are bars indicating the steps of the operation included in the transaction. The bars indicating the steps of the operation include a "card insertion" bar, a "PIN entry" bar, an "amount entry" bar, a "deposit" bar, a "amount confirmation" bar, a "media return" bar, and a "transaction completion" bar.

[0060] Screen 41 also includes buttons for "Withdrawal," "Deposit," "Transfer," "Balance Inquiry," "Passbook Entry," and "Other." ATM 100 initiates a transaction corresponding to the button pressed on screen 41. Here, we assume the "Deposit" button is pressed. When the "Deposit" button is pressed on screen 41, ATM 100 displays screen 42 on display 111.

[0061] Screen 42 is the screen displayed when ATM 100 accepts the insertion of a cash card. Screen 42 has a bar at the top that indicates the stages of the operation. The "Card Insertion" bar, which indicates the stage of accepting the insertion of a cash card, is highlighted on Screen 42. For example, on Screen 42, the "Card Insertion" bar is displayed in a different color from the other bars among the "Card Insertion" bar, "PIN Entry" bar, "Amount Entry" bar, "Deposit" bar, "Amount Confirmation" bar, "Media Return" bar, and "Transaction Completion" bar.

[0062] Furthermore, screen 42 includes a message prompting the user to insert a cash card, such as "Please insert your card." When a cash card is inserted into the card / receipt slot 21 while screen 42 is displayed, the ATM 100 reads information such as the account number from the cash card using the card / receipt processing unit 113.

[0063] Figure 7 is a diagram (part 2) showing an example of a transaction screen. When the ATM 100 reads a cash card using the card / receipt processing unit 113, it displays screen 43 on the display 111. Screen 43 is a screen for accepting the input of a PIN. Screen 43 has a bar at the top that indicates the steps of the operation. The bar on screen 43 highlights the "PIN input" bar, which indicates the step for accepting the input of a PIN.

[0064] Screen 43 also includes a message prompting the user to enter a PIN, such as "Please enter your PIN (4 digits)." Screen 43 also includes a numeric keypad. ATM 100 accepts PIN input in response to touch operations on the numeric keypad on screen 43. Screen 43 also includes a "Correction" button and a "Confirm" button. When the "Correction" button on screen 43 is pressed, ATM 100 discards the entered PIN. When the "Confirm" button on screen 43 is pressed, ATM 100 confirms the entered PIN. ATM 100 notifies the host server 30 of the confirmed PIN and the account number read from the cash card and requests verification. When ATM 100 receives notification from the host server 30 that the confirmed PIN and the PIN for the account number read from the cash card match, it displays screen 44 on display 111.

[0065] Screen 44 is a screen for receiving the transaction amount. Screen 44 has a bar at the top that indicates the steps of the operation. On Screen 44, the "Amount Input" bar, which indicates the step for receiving the transaction amount, is highlighted.

[0066] Screen 44 also includes a message prompting the user to enter the transaction amount, such as "Please enter the transaction amount." Screen 44 also includes a numeric keypad, a "thousand" button, and a "ten thousand" button. ATM 100 accepts the transaction amount input in response to touch operations on the numeric keypad on screen 44 and presses of the "thousand" and "ten thousand" buttons.

[0067] Screen 44 also includes a "Correction" button and a "Confirm" button. When the "Correction" button on screen 44 is pressed, ATM 100 discards the entered transaction amount. When the "Confirm" button on screen 44 is pressed, ATM 100 confirms the entered transaction amount.

[0068] Figure 8 is a diagram (part 3) showing an example of a transaction screen. When the ATM 100 confirms the transaction amount, it displays screen 45 on the display 111 and opens the shutter 23a located at the banknote slot 23. The ATM 100 sets the shutter 23a to close at a timeout time, which is a predetermined time (for example, 45 seconds) after the shutter 23a is opened.

[0069] Screen 45 is the screen displayed when ATM 100 accepts a cash deposit. Screen 45 has a bar at the top indicating the steps of the operation. The bar on screen 45 highlights the "Deposit" bar, which indicates the step of accepting a cash deposit. Screen 45 also includes a "Complete" button. When the "Complete" button is pressed, ATM 100 closes the shutter 23a before the timeout period. Screen 45 also includes a message prompting the user to insert banknotes into the banknote slot 23, such as "Please insert banknotes." Screen 45 also includes a message prompting the user to press the "Complete" button after inserting banknotes into the banknote slot 23, such as "After inserting, please press the 'Complete' button."

[0070] Screen 45 also includes a message indicating the time remaining from the current time to the timeout, such as "45 seconds until the shutter closes." The ATM 100 counts down the time in the message to show the remaining time from the current time to the timeout. For example, the ATM 100 updates the message "45 seconds until the shutter closes" to "44 seconds until the shutter closes" after 1 second.

[0071] Furthermore, screen 45 includes a message indicating that touching the blank area of ​​the screen will extend the time the shutter 23a is open, such as "If you want to extend, please touch the blank area of ​​the screen." The blank area is the area on screen 45 other than the "Complete" button, and includes the area where the message is displayed and the area where the bar indicating the operation stage is displayed. When ATM 100 receives a touch operation on the blank area, it resets the timeout time to a predetermined time (for example, 15 seconds) after the original timeout time. Then, ATM 100 displays screen 46 on display 111.

[0072] Screen 46 shows that the timeout time for closing shutter 23a has been reset (i.e., the time shutter 23a is open has been extended). Screen 46 has a bar at the top indicating the operation stage. Note that the operation stage bar on screen 46 includes a "Deposit (Extended)" bar instead of the "Deposit" bar, indicating that the stage for accepting cash deposits has been extended. ATM 100 indicates that the stage for accepting cash deposits has been extended by displaying the "Deposit (Extended)" bar in a longer shape than the "Deposit" bar. The operation stage bar on screen 46 shows the "Deposit (Extended)" bar highlighted.

[0073] Screen 46 includes a message indicating that the time the shutter 23a is open has been extended by a predetermined period (e.g., 15 seconds), such as "The time limit has been extended by 15 seconds." Screen 46 also includes a "Complete" button. When the "Complete" button is pressed, the ATM 100 closes the shutter 23a before the reset timeout period.

[0074] Screen 46 also includes a message indicating the time remaining from the current time until the reset timeout, such as "60 seconds until the shutter closes." The ATM 100 counts down the time in the message to show the time remaining from the current time until the timeout.

[0075] Figure 9 is a diagram (part 4) showing an example of a transaction screen. When the ATM 100 displays screen 45 and the timeout period expires, it closes shutter 23a. Also, when the ATM 100 displays screen 46 and the reset timeout period expires, it closes shutter 23a. Furthermore, when the "Complete" button is pressed while screens 45 and 46 are displayed, the ATM 100 closes shutter 23a. When the ATM 100 closes shutter 23a, it displays screen 47 on display 111.

[0076] Screen 47 is a screen indicating that the shutter 23a is closing. Screen 47 has a bar at the top indicating the operation stage. The "Deposit" bar on the operation stage bar on Screen 47 is highlighted. Screen 47 includes a message indicating that the shutter 23a is closing, such as "Shutter closing".

[0077] When the ATM 100 closes the shutter 23a, it displays screen 48 on the display 111. Screen 48 indicates that it is reading banknotes inserted into the banknote slot 23. Screen 48 has a bar at the top indicating the operation stage. The "Deposit" bar on screen 48 is highlighted. Screen 48 includes messages indicating that it is reading banknotes inserted into the banknote slot 23, such as "Checking deposit amount" and "Please wait." While displaying screen 48, the ATM 100 uses the banknote processing unit 116 to read the type and quantity of banknotes inserted into the banknote slot 23 and stores them in the device. The ATM 100 then determines the total amount of banknotes inserted into the banknote slot 23.

[0078] Figure 10 is a diagram (number 5) showing an example of a transaction screen. When the ATM 100 identifies the total amount of banknotes inserted into the banknote slot 23, it displays screen 49 on the display 111. Screen 49 is a screen that prompts the user to confirm the transaction amount. Screen 49 has a bar at the top that indicates the steps of the operation. The bar on screen 49 has a highlighted "Amount Confirmation" bar that indicates the step where confirmation of the transaction amount is accepted.

[0079] Furthermore, screen 49 includes a message indicating the transaction amount, such as "The deposit amount is ¥32,000." Also, screen 49 includes a message prompting the user to press the "Confirm" button after confirming the transaction amount, such as "If there are no mistakes, please press the "Confirm" button." Also, screen 49 includes a message prompting the user to press the "Correct" button if they need to re-enter the transaction amount, such as "If you need to enter a different amount, please press the "Correct" button."

[0080] Screen 49 also includes a "Correction" button and a "Confirm" button. When the "Correction" button is pressed, ATM 100 ejects the inserted banknotes from the banknote slot 23 and returns to the stage where it displays screen 44 on display 111 and accepts input of the transaction amount. When the "Confirm" button is pressed, ATM 100 displays screen 50 on display 111.

[0081] Screen 50 is a screen that indicates that a transaction is in progress. Screen 50 has a bar at the top that shows the stages of the operation. The bar on Screen 50 highlights the "Media Return" bar, which indicates that the transaction has been completed and the media such as the cash card has been returned. Screen 50 also includes messages indicating that the transaction is in progress, such as "Processing your transaction" and "Please wait."

[0082] With screen 50 displayed, ATM 100 requests host server 30 to deposit the amount of the inserted banknotes into the account corresponding to the account number read from the cash card. When ATM 100 is notified by host server 30 that the transaction is complete, card / receipt processing unit 113 ejects the cash card and a receipt showing the transaction details from card / receipt slot 21.

[0083] Figure 11 is a diagram (number 6) showing an example of a transaction screen. When the ATM 100 dispenses the cash card and receipt, it displays screen 51 on the display 111. Screen 51 is a screen indicating that the transaction has been completed. Screen 51 has a bar at the top that shows the stages of the operation. The bar on screen 51 has a highlighted "Transaction Complete" bar that indicates the completion of the transaction. Screen 51 also includes a message prompting the user to take the dispensed cash card and receipt, such as "Please take your card and receipt."

[0084] The ATM 100 displays a screen like this and executes the transaction. When the ATM 100 accepts the insertion of banknotes, it opens the shutter 23a located on the banknote slot 23 and displays a screen 45 showing the time from the current time until the shutter 23a closes (timeout time). This allows the ATM 100 to inform the user of the timing when the shutter 23a will close, eliminating the user's fear of getting their hand caught in the shutter 23a. Therefore, the ATM 100 can reduce the user's fear during transactions.

[0085] Furthermore, when the ATM 100 receives a touch operation in the blank area of ​​the screen 45, it resets the timeout time to a predetermined time after the original timeout time (i.e., extends the time the shutter 23a remains open). Here, if a user realizes that the amount of banknotes they inserted is insufficient, they may want to extend the time the shutter 23a remains open and may operate in a hurry. By widening the area that accepts touch operations, the ATM 100 can allow users to extend the time the shutter 23a remains open without panicking. Note that the ATM 100 may also reset the timeout time in response to other operations. For example, an "extend" button may be provided on the screen 45, and the ATM 100 may reset the timeout time in response to the pressing of the "extend" button.

[0086] When the timeout time is reset, ATM 100 displays screen 46. The bars on screen 46 that indicate the operation stages include a "Deposit (Extended)" bar that is longer than the "Deposit" bar. ATM 100 indicates that the stage for accepting cash deposits has been extended by the "(Extended)" text and the length of the "Deposit (Extended)" bar displayed on screen 46. This allows ATM 100 to clearly show the user that the time the shutter 23a remains open has been extended.

[0087] The following provides a detailed explanation of the ATM100's processing procedures. First, we will explain the procedure for processing transactions using the ATM100. Figure 12 is a flowchart showing an example of a transaction processing procedure. The process shown in Figure 12 will be explained below according to the step numbers.

[0088] [Step S11] The input / output control unit 140 accepts the selection of a transaction type. For example, the input / output control unit 140 displays screen 41 on the display 111. The input / output control unit 140 then detects a touch operation on a button on screen 41 via the touch panel 112 and accepts the selection of a transaction type corresponding to the pressed button. Here, it is assumed that a transaction type including a cash deposit has been selected.

[0089] [Step S12] The unit control unit 130 accepts the insertion of a cash card from the card / receipt slot 21. The unit control unit 130 reads information such as the account number from the cash card inserted from the card / receipt slot 21 by the card / receipt processing unit 113.

[0090] [Step S13] The input / output control unit 140 accepts the input of a PIN. For example, the input / output control unit 140 displays screen 43 on the display 111. The input / output control unit 140 detects a touch operation on the numeric keypad of screen 43 via the touch panel 112 and accepts the input of a PIN corresponding to the touch operation on the numeric keypad of screen 43. The communication control unit 150 notifies the host server 30 of the entered PIN and the account number read from the cash card in step S112 and requests an inquiry.

[0091] [Step S14] The input / output control unit 140 accepts input of the transaction amount. For example, the input / output control unit 140 displays screen 44 on the display 111. The input / output control unit 140 detects touch operations on the numeric keypad, the "thousand" button and the "ten thousand" button on screen 44 via the touch panel 112, and accepts input of the transaction amount corresponding to the touch operations on the numeric keypad, the "thousand" button and the "ten thousand" button.

[0092] [Step S15] The unit control unit 130 and the input / output control unit 140 execute a deposit acceptance process to receive cash. The deposit acceptance process will be described later (see Figure 13). [Step S16] The communication control unit 150 communicates with the host server 30 and requests the execution of a transaction. For example, the communication control unit 150 requests the host server 30 to deposit the amount of cash deposited in the deposit acceptance process in step S15 into the account corresponding to the account number read from the cash card in step S12.

[0093] [Step S17] The unit control unit 130 returns the cash card. For example, the unit control unit 130 causes the card / receipt processing unit 113 to eject the cash card and the receipt showing the transaction details from the card / receipt opening 21.

[0094] In this way, ATM100 executes the transaction. Next, we will explain the procedure for processing deposits. Figure 13 is a flowchart showing an example of the payment acceptance process. The process shown in Figure 13 will be explained below according to the step numbers.

[0095] [Step S21] The unit control unit 130 sets a timeout time and opens the shutter 23a. For example, the unit control unit 130 sets the timeout time to a predetermined time after the current time (for example, 45 seconds later) and causes the banknote processing unit 116 to open the shutter 23a.

[0096] [Step S22] The input / output control unit 140 displays a deposit screen on the display 111 showing the time from the current time to the timeout time. For example, the input / output control unit 140 displays a screen 45 on the display 111 that includes the time from the current time to the timeout time. The input / output control unit 140 counts down the time included in the screen 45 to show the time from the current time to the timeout time.

[0097] [Step S23] The input / output control unit 140 determines whether the touch panel 112 has detected a touch operation in an area other than the "Complete" button on the screen 45 (the blank area). If the input / output control unit 140 determines that a touch operation in the blank area has been detected, it proceeds to step S26. If the input / output control unit 140 determines that no touch operation in the blank area has been detected, it proceeds to step S24.

[0098] [Step S24] The unit control unit 130 determines whether the timeout time has been reached. If the unit control unit 130 determines that the timeout time has been reached, it proceeds to step S30. If the unit control unit 130 determines that the timeout time has not been reached, it proceeds to step S25.

[0099] [Step S25] The input / output control unit 140 determines whether or not it has received confirmation of the press of the "Complete" button. For example, if the touch panel 112 detects a touch operation on the area of ​​the "Complete" button on the screen 45, the input / output control unit 140 determines that it has received confirmation of the press of the "Complete" button. If the input / output control unit 140 determines that it has received confirmation of the press of the "Complete" button, it proceeds to step S30. If the input / output control unit 140 determines that it has not received confirmation of the press of the "Complete" button, it proceeds to step S23.

[0100] [Step S26] The unit control unit 130 resets the timeout time to a predetermined time (for example, 15 seconds) after the original timeout time. [Step S27] The input / output control unit 140 updates the deposit screen to show the time from the current time to the timeout time reset in step S26. For example, the input / output control unit 140 displays a screen 46 on the display 111 that includes the time from the current time to the timeout time reset. The input / output control unit 140 also counts down the time included in the screen 46 to show the time from the current time to the timeout time reset.

[0101] [Step S28] The unit control unit 130 determines whether the timeout time reset in step S26 has been reached. If the unit control unit 130 determines that the timeout time reset has been reached, it proceeds to step S30. If the unit control unit 130 determines that the timeout time reset has not been reached, it proceeds to step S29.

[0102] [Step S29] The input / output control unit 140 determines whether or not it has received confirmation of the press of the "Complete" button. For example, if the touch panel 112 detects a touch operation on the area of ​​the "Complete" button on the screen 46, the input / output control unit 140 determines that it has received confirmation of the press of the "Complete" button. If the input / output control unit 140 determines that it has received confirmation of the press of the "Complete" button, it proceeds to step S30. If the input / output control unit 140 determines that it has not received confirmation of the press of the "Complete" button, it proceeds to step S28.

[0103] [Step S30] The unit control unit 130 closes the shutter 23a. For example, the unit control unit 130 has the banknote processing unit 116 confirm by a sensor that the user's hands are not near the banknote slot 23 before closing the shutter 23a.

[0104] [Step S31] The unit control unit 130 identifies the amount of money to be inserted. For example, the unit control unit 130 causes the banknote processing unit 116 to read the type and quantity of banknotes inserted into the banknote slot 23 and store them in the device. Then, the unit control unit 130 identifies the total amount of banknotes inserted into the banknote slot 23 from the type and quantity of banknotes that have been read.

[0105] In this way, the ATM 100 accepts the insertion of cash. When the ATM 100 accepts the insertion of cash, it sets a timeout time and keeps the shutter 23a open. The ATM 100 displays a screen 45 on the display 111 showing the time from the current time to the timeout time. Then, the ATM 100 closes the shutter 23a after the timeout time. This allows the ATM 100 to notify the user when the shutter 23a will close. Therefore, the ATM 100 can reduce the user's fear during transactions.

[0106] Furthermore, the ATM 100 can change the timing of shutter 23a closing according to the user's operation. When the ATM 100 receives a press of the "Complete" button on screen 45, it closes shutter 23a before the timeout period. This allows the ATM 100 to reduce the waiting time until shutter 23a closes.

[0107] When ATM 100 receives a touch operation in the blank area of ​​screen 45 other than the "Complete" button, it resets the timeout time to a later time than the original timeout time. ATM 100 displays screen 46 on display 111 showing the time from the current time to the reset timeout time. Then, ATM 100 closes the shutter 23a after the reset timeout time. This allows ATM 100 to extend the time the shutter 23a is open without the user having to rush. In the above example, the time the shutter 23a is open can be extended only once, but it may be possible to extend the time the shutter 23a is open multiple times.

[0108] Although embodiments have been illustrated above, the configurations of each part shown in the embodiments can be replaced with others having similar functions. Furthermore, other arbitrary components or processes may be added. Moreover, any two or more configurations (features) from the embodiments described above may be combined. [Explanation of Symbols]

[0109] 1 Cash slot 1a Shutter 2 cash 3 screens 10. Automated trading device 11 Display section 11a Touch Panel 12 Processing Units

Claims

1. Display unit and A shutter installed at the cash slot that accepts cash, A processing unit that, in a transaction including the acceptance of cash deposits, sets a first timeout time and opens the shutter, displays a screen on the display unit showing the time from the current time to the first timeout time, and closes the shutter after the first timeout time, An automated trading device having the following features.

2. When the display unit receives a predetermined operation while the display unit is displaying the screen, the processing unit sets a second timeout time that is after the first timeout time, updates the screen to show the time from the current time to the second timeout time, and closes the shutter after the second timeout time. The automated trading device according to claim 1.

3. The automated trading device has a touch panel that is placed on top of the display unit, The processing unit, when the touch panel detects an operation to touch the first area on the display unit displaying the screen where a button is shown, executes a process corresponding to the button, and when the touch panel detects an operation to touch the second area of ​​the screen excluding the first area, sets the second timeout time. The automated trading device according to claim 2.

4. The processing unit causes the display unit to display the screen, which includes a step display showing multiple operational steps included in the transaction, and when the second timeout time is set, updates the screen so that the step display shows that the step of accepting cash among the multiple operational steps has been extended. The automated trading device according to claim 2.

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