Automated trading device

Abstract

To assist in reading an object.SOLUTION: An automatic transaction device according to an embodiment includes a tray, a first camera, a communication unit, and a control unit. The tray has a platform on which a medium or a terminal to be read is placed on a bottom surface of a cavernous portion with an opening formed on a front surface of a housing. The first camera is provided at an upper part of the cavernous portion and photographs the medium or the terminal placed on the platform. The communication unit communicates with an IC chip of the medium or the terminal placed on the platform to read IC information stored in the IC chip. The control unit performs transaction processing based on image information photographed by the first camera or at least one read information of the read IC information.SELECTED DRAWING: Figure 2A

Description

Technical Field

[0001] Embodiments of the present invention relate to an automatic transaction apparatus.

Background Art

[0002] Conventionally, in automatic transaction apparatuses such as automatic teller machines (ATMs) used for transactions in financial institutions and the like, higher performance and multifunctionality have been promoted along with the diversification of transaction forms. Regarding the multifunctionality of this automatic transaction apparatus, the same applies to the reading of identification documents such as driver's licenses and passports during identity verification. Specifically, some automatic transaction apparatuses support not only reading the content of an identification document by imaging, but also reading a QR code (registered trademark) displayed on the screen of a smartphone, or reading an IC (Integrated Circuit) tag attached to a smartphone, an identification document or the like.

[0003] For an automatic transaction apparatus that performs reading from various objects such as identification documents and smartphones, there is known a deposit and withdrawal apparatus comprising: a placing table on which a medium or a terminal can be placed; a reading unit that reads image and / or code information of the medium or terminal placed on the placing table; and an IC communication unit that reads and / or writes information stored in an IC chip mounted on the medium or terminal placed on the placing table.

Prior Art Literature

Patent Literature

[0004]

Patent Literature 1

Patent Literature 2

Summary of the Invention

Problem to be Solved by the Invention

[0005] However, with the conventional technology described above, if the automated trading device is installed in an environment with strong external light influences, such as direct sunlight reflection or fluorescent lights, the surface of the identification document (e.g., driver's license) may experience halation (a phenomenon where areas exposed to strong light become blurry and white), which can reduce the recognition rate during reading. For example, when reading a QR code displayed on a smartphone screen, unlike paper media, halation is more likely to occur on the screen, leading to more frequent rereads due to recognition failures, which can reduce convenience.

[0006] One aspect of this is the aim to provide an automated trading device that can assist in reading the target object. [Means for solving the problem]

[0007] One proposal is that the automated trading system, The device comprises a tray section having a mounting platform on the bottom of a cavernous section with an opening formed in the front of the housing, on which a medium or terminal to be read is placed; a first camera provided at the top of the cavernous section for photographing the medium or terminal placed on the mounting platform; a communication unit for reading IC information stored in an IC chip by communicating with the IC chip on the medium or terminal placed on the mounting platform; and a control unit for performing transaction processing based on at least one of the image information captured by the first camera or the read IC information. The medium is a paper booklet, and the device includes a guide member that locks the other side of the open booklet when one side of the open booklet is placed on the mounting platform within the cavernous section. [Effects of the Invention]

[0008] It can assist in reading the target object. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 is a diagram illustrating the external appearance of an automated trading device according to an embodiment. [Figure 2A] Figure 2A is a perspective view illustrating the configuration of a multi-scan tray. [Figure 2B] Figure 2B is a cross-sectional view of AA in Figure 2A. [Figure 3A] Figure 3A is a perspective view illustrating an example of an identification card being placed on the multi-scan tray. [Figure 3B] Figure 3B is a cross-sectional view of AA in Figure 3A. [Figure 4A] Figure 4A is a perspective view illustrating a smartphone placed on the multi-scan tray. [Figure 4B] Figure 4B is a cross-sectional view of AA in Figure 4A. [Figure 5A]FIG. 5A is a perspective view illustrating an example where a passport is placed on a multi-scan tray. [Figure 5B] FIG. 5B is a cross-sectional view taken along line A-A in FIG. 5A. [Figure 6A] FIG. 6A is a cross-sectional view illustrating folding of a passport. [Figure 6B] FIG. 6B is a cross-sectional view illustrating folding of a passport. [Figure 7] FIG. 7 is a block diagram showing an example functional configuration of the automatic transaction apparatus according to the embodiment. [Figure 8] FIG. 8 is a flowchart showing an example operation of the automatic transaction apparatus according to the embodiment. [Figure 9] FIG. 9 is a flowchart showing an example operation of the automatic transaction apparatus according to the embodiment. [Figure 10A] FIG. 10A is an explanatory diagram illustrating an example screen display related to electronic money charging. [Figure 10B] FIG. 10B is an explanatory diagram illustrating an example screen display related to electronic money charging. [Figure 10C] FIG. 10C is an explanatory diagram illustrating an example screen display related to electronic money charging. [Figure 11] FIG. 11 is a flowchart showing an example operation of the automatic transaction apparatus according to the embodiment. [Figure 12] FIG. 12 is a flowchart showing an example operation of the automatic transaction apparatus according to the embodiment. [Figure 13] FIG. 13 is an explanatory diagram illustrating an example screen display related to account opening. [Figure 14A] FIG. 14A is an explanatory diagram illustrating insertion guidance for an identification card. [Figure 14B] FIG. 14B is an explanatory diagram illustrating insertion guidance for a smartphone. [Figure 14C] FIG. 14C is an explanatory diagram illustrating insertion guidance for a passport. [Figure 15] FIG. 15 is an explanatory diagram illustrating an example screen display related to account opening. [Figure 16]Figure 16 is an explanatory diagram illustrating an example of a screen display related to opening an account. [Figure 17] Figure 17 is an explanatory diagram illustrating an example of a screen display related to opening an account. [Figure 18] Figure 18 is an explanatory diagram illustrating an example of a screen display related to opening an account. [Figure 19] Figure 19 illustrates the external appearance of the area around the multi-scan tray of an automated trading device according to a modified example. [Figure 20] Figure 20 is a perspective view of the area around the multi-scan tray of the automated trading device according to a modified example. [Figure 21A] Figure 21A is a cross-sectional view of BB in Figure 20. [Figure 21B] Figure 21B is an explanatory diagram illustrating the case where a beverage container is placed on the bottom surface of the multi-scan tray. [Modes for carrying out the invention]

[0010] The automated trading device according to the embodiment will be described below with reference to the drawings. Components having the same function in the embodiment will be denoted by the same reference numerals, and redundant descriptions will be omitted. The automated trading device described in the following embodiment is merely an example and does not limit the embodiments. Furthermore, the following embodiments may be combined as appropriate within the limits of consistency.

[0011] Figure 1 is a diagram illustrating the external appearance of an automated trading device according to an embodiment. As shown in Figure 1, the automated trading device 1 is an automated teller machine (ATM) installed in banks, convenience stores, etc.

[0012] The automated trading device 1 includes a display / operation unit 11, a customer camera 12, a card slot 13, a deposit / withdrawal unit 14, and a multi-scan tray 15 on the front of the housing 10.

[0013] The display and operation unit 11 is a device in which a touch panel is arranged on a display such as an LCD (Liquid Crystal Display). The display and operation unit 11 displays information to the user of the automated trading device 1 and also accepts input from the user through touch operations, etc.

[0014] The customer camera 12 is a camera that photographs the user (customer) in front of the display / operation unit 11. The card slot 13 inserts the card to be read or ejects the card after reading when reading magnetic cards such as credit cards or bank account cards. The deposit / withdrawal unit 14 is an openable / closable money tray that handles the exchange of money (banknotes) in the transaction processing of the automated transaction device 1. The automated transaction device 1 may also include a coin unit for handling coins. In this case, the deposit / withdrawal unit 14 includes an openable / closable coin tray for handling coins.

[0015] The multi-scan tray 15 is an example of a tray section on which a medium or terminal to be read is placed and read. Specifically, the multi-scan tray 15 has a mounting platform 150 on the bottom surface of a cave-like section 160 with an opening 161 formed in the front surface 10 of the housing, on which a medium or terminal to be read is placed.

[0016] The media to be read include identification cards such as driver's licenses and My Number cards, as well as paper booklet-type passports. The devices to be read include smartphones, mobile phones, and small tablet devices.

[0017] The multi-scan tray 15 is equipped with a scan camera 151 at the top of the cavernous section 160 for photographing media or terminals placed on the mounting tray 150. The multi-scan tray 15 is also equipped with an NFC unit 152 (NFC: Near Field Communication) at the bottom of the mounting tray 150 for reading IC information stored in IC chips of media or terminals placed on the mounting tray 150 by communicating with the IC chips.

[0018] Figure 2A is a perspective view illustrating the configuration of the multi-scan tray 15. Figure 2B is a cross-sectional view of AA in Figure 2A.

[0019] As shown in Figures 2A and 2B, the cavernous portion 160 in the multi-scan tray 15 is surrounded by a bottom surface 162, a side wall surface 163, a top surface 164, and a back wall surface 165, and has a cavernous shape that allows the user to place a medium or terminal to be read inside through the opening 161.

[0020] A mounting base 150 and a bottom guide member 170 are provided on the bottom surface 162 of the cave-like section 160. An NFC unit 152 is provided below the mounting base 150. A scan camera 151 is provided on the top surface 164 of the cave-like section 160, directly above the mounting base 150. A booklet guide member 180 is provided on the side wall surface 163 of the cave-like section 160, between the bottom guide member 170 provided on the bottom surface 162 and the top surface 164.

[0021] In Figure 2A, the shaded area enclosed by the thick dotted line on the bottom surface 162 indicates the reading range of the NFC unit 152. In Figure 2B, the thin dotted line from the scan camera 151 indicates the shooting range of the scan camera 151. As shown in Figure 2B, the shooting range of the scan camera 151 in the multi-scan tray 15 is on the mounting platform 150 inside the cavernous section 160. Thus, in the automated trading device 1, the imaging of the medium or terminal to be read is performed inside the cavernous section 160, so even if the automated trading device 1 is installed in an environment with strong ambient light influence, the influence of ambient light can be reduced.

[0022] The bottom guide members 170 are provided, for example, at both the left and right ends of the bottom surface 162 and have slopes formed to narrow from the opening 161 of the cave-like portion 160 towards the mounting platform 150 located in the center of the bottom surface 162. In this way, the bottom guide members 170 guide the medium or terminal to be read when sliding it from the opening 161 along the bottom surface 162 and placing it on the mounting platform 150.

[0023] The booklet guide member 180 is positioned above the bottom guide member 170 with a gap so that larger media (such as a passport) can be inserted between it and the bottom guide member 170. The booklet guide member 180 also has a front guide portion 181 near the front entrance on the opening 161 side.

[0024] The front guide portion 181 has a convex shape with an upper slope 181a that is substantially parallel to the surface of the opening 161 and a lower slope 181b that is formed to narrow towards the gap between the booklet guide member 180 and the bottom guide member 170. This front guide portion 181 guides the booklet guide member 180 to the placement position when a larger medium (for example, a passport) is placed in the gap with the bottom guide member 170. In addition, when a paper booklet such as a passport is opened and placed with one side inserted in the gap with the bottom guide member 170, the other side of the opened booklet can be locked in place by the slope 181a of the front guide portion 181.

[0025] Figure 3A is a perspective view illustrating the case where an identification card is placed on the multi-scan tray 15. Figure 3B is a cross-sectional view of AA in Figure 3A. As shown in Figures 3A and 3B, smaller identification cards such as driver's licenses 200 are placed on the mounting base 150 with the shooting surface (e.g., the side with the photo) facing upwards, sandwiched between the bottom guide members 170 provided on both the left and right ends of the bottom surface 162. This allows the multi-scan tray 15 to easily position the identification card 200 when the scan camera 151 is used to photograph it or when the IC chip on the identification card 200 is read by the NFC unit 152.

[0026] Figure 4A is a perspective view illustrating the case where a smartphone is placed on the multi-scan tray 15. Figure 4B is a cross-sectional view of AA in Figure 4A. As shown in Figures 4A and 4B, a terminal such as a smartphone 201 is placed on the NFC unit 152 with the display screen showing a QR code or the like facing upwards, and sandwiched between the bottom guide members 170 provided on both the left and right ends of the bottom surface 162. This makes it easy for the multi-scan tray 15 to position the smartphone 201 when scanning a QR code or the like with the scan camera 151, or when reading an IC chip on the smartphone 201 with the NFC unit 152.

[0027] Figure 5A is a perspective view illustrating the case where a passport is placed on the multi-scan tray 15. Figure 5B is a cross-sectional view of AA in Figure 5A. As shown in Figures 5A and 5B, when opening a paper booklet such as a passport 202 to read the scanning surface (for example, the surface containing the identification photograph), the booklet is placed so that the scanning surface is sandwiched between the booklet guide member 180 and the bottom guide member 170. In this way, the multi-scan tray 15 prevents the passport 202 from closing during scanning by placing the scanning surface of the passport 202 in the gap between the booklet guide member 180 and the bottom guide member 170.

[0028] Figures 6A and 6B are cross-sectional views illustrating the folding of the passport 202, specifically showing how the passport 202 folds in cross-section AA of Figure 5A. As shown in Figure 6A, in the multi-scan tray 15, when the passport 202 is opened and placed on the mounting base 150 with the shooting surface facing upwards, the surface opposite to the shooting surface may be raised to cover the cave-like section 160. In this case, as shown in Figure 6A, the raised surface of the passport 202 is locked in place by the inclined surface 181a of the front guide section 181. Therefore, the multi-scan tray 15 can prevent the raised surface of the passport 202 from closing towards the shooting surface, thus preventing it from interfering with the shooting process. Furthermore, in the multi-scan tray 15, by covering the cave-like section 160 with the raised surface of the passport 202, external light can be prevented from entering the cave-like section 160.

[0029] Figure 7 is a block diagram showing an example of the functional configuration of an automated trading device 1 according to an embodiment. As shown in Figure 7, the automated trading device 1 includes a display / operation unit 11, a customer camera 12, a multi-scan tray 15, a control unit 20, a power supply unit 30, a card processing unit 40, and a banknote processing unit 50, and each of these units is connected to each other via a bus so as to be able to communicate with each other.

[0030] The display and operation unit 11 includes an LCD display unit 11a and a touch panel 11b. The control unit 20 is a computer that centrally controls various operations in the automated trading device 1.

[0031] The control unit 20 includes a CPU 21 (Central Processing Unit), RAM 22 (Random Access Memory), a communication control unit 23, an FPGA 24 (Field Programmable Gate Array), a graphics processing unit 25, an external storage device 26, and an input / output interface 27. The CPU 21 performs various processing such as transaction processing in the automated trading device 1 by reading programs stored in the external storage device 26, etc., into the RAM 22 and executing them sequentially. The RAM 22 provides a workspace for the CPU 21 when executing programs.

[0032] The communication control unit 23 communicates with external devices (not shown), such as a server device that manages financial transactions, under the control of the CPU 21. The FPGA 24 is a processor device whose processing content can be changed according to the application. The graphics processing unit 25 is a processing unit that generates display data related to the display screen and outputs it to the LCD display unit 11a under the control of the CPU 21. The external storage device 26 is a storage device such as an HDD (Hard Disk Drive), and stores programs executed by the CPU 21 and various setting data. The input / output interface 27 is a communication interface that transmits and receives data between the display / operation unit 11, the customer camera 12, the banknote processing unit 50, the card processing unit 40, and the banknote processing unit 50 under the control of the CPU 21.

[0033] The power supply unit 30 is a power supply device that supplies power to each part of the automated transaction device 1. The card processing unit 40 is a card reader / writer that reads and writes magnetic cards inserted through the card slot 13 under the control of the control unit 20. The banknote processing unit 50, under the control of the control unit 20, stores money (banknotes) placed on the money tray of the deposit / withdrawal unit 14 into the safe, dispenses change, etc.

[0034] Here, we will explain the operation of the transaction processing of the automated transaction device 1 by illustrating the case of charging electronic money. Figure 8 is a flowchart showing an example of the operation of the automated transaction device 1 according to the embodiment, and more specifically, it shows an example of the operation of the automated transaction device 1 when charging electronic money.

[0035] As shown in Figure 8, when the transaction process begins, the control unit 20 displays the start screen on the display / operation unit 11 and accepts the selection of the transaction content. Here, it is assumed that the user has selected to charge electronic money (S1).

[0036] Next, the user places the electronic money (a medium or terminal for charging electronic money, referred to as a medium in the illustrated example) on the mounting tray 150 of the multi-scan tray 15 (S2). Then, the control unit 20 communicates with the IC chip provided on the medium using the NFC unit 152 and detects that the medium has been placed (S3).

[0037] Next, the control unit 20 displays the amount setting screen on the display / operation unit 11 and accepts the setting of the charge amount. At this point, the user operates the display / operation unit 11 to input the charge amount (S4).

[0038] Next, the control unit 20 opens the door of the deposit / withdrawal unit 14 and accepts the insertion of banknotes, etc., into the money tray. At this point, the user inserts banknotes into the money tray (S5).

[0039] Next, the banknote processing unit 50 counts the banknotes and other items inserted into the money tray and notifies the control unit 20 of the counting result. Based on the counting result from the banknote processing unit 50, the control unit 20 determines whether the amount of the inserted banknotes and other items (inserted amount) is equal to the charge amount (S6). If the inserted amount is not equal to the charge amount (S6: No), the control unit 20 returns to S5 and accepts the re-insertion of banknotes and other items.

[0040] If the amount deposited is equal to the charge amount (S6: Yes), the control unit 20 displays a confirmation screen of the transaction details (charging the charge amount to electronic money) on the display / operation unit 11 and confirms the transaction details (S7).

[0041] Next, the control unit 20 charges the electronic money placed on the mounting base 150 (S8). Specifically, the control unit 20 communicates with the IC chip provided on the medium via 152 and adds the charge amount to the amount of electronic money contained in the IC information stored in the IC chip and rewrites it.

[0042] Next, the control unit 20 determines whether or not there is change by determining whether or not the amount inserted is greater than the charge amount (S9). If there is no change (S9: No), the control unit 20 terminates the transaction processing. If there is change (S9: Yes), the control unit 20 dispenses the change from the banknote processing unit 50 (S10).

[0043] Here, we will describe the operation of detecting and reading media in the multi-scan tray 15 of the automated trading device 1. Figure 9 is a flowchart showing an example of the operation of the automated trading device according to the embodiment, and more specifically, it shows an example of the operation of detecting and reading media in the multi-scan tray 15.

[0044] As shown in Figure 9, when transaction processing begins, the control unit 20 turns on the scan camera 151 (S20) and performs media monitoring with the scan camera 151 (S21). Next, the control unit 20 determines whether or not the media is placed in the multi-scan tray 15 based on whether or not the media is visible in the captured video (S22). If the media is not placed in the multi-scan tray 15 (S22: No), the control unit 20 returns to S22 and continues media monitoring.

[0045] When a medium is placed in the multi-scan tray 15 (S22: Yes), the control unit 20 communicates with the IC chip provided on the medium using the NFC unit 152 and starts reading the IC information stored on the IC chip (S23).

[0046] Next, the control unit 20 determines whether the reading of the IC information is complete (S24), and if the reading is not complete (S24: No), it waits for processing. If the reading is complete (S24: Yes), the control unit 20 monitors whether the medium that has been read has been received (S25). Specifically, the control unit 20 determines whether it has detected a medium in the multi-scan tray 15 based on whether the medium is visible in the image captured by the scan camera 151 and whether the IC chip can be read by the NFC unit 152 (S26).

[0047] If no media is detected (S26: No), the control unit 20 terminates the transaction processing, assuming that the media has been received. If media is detected (S26: Yes), the control unit 20 determines whether the media has been removed from the multi-scan tray 15 within a certain period of time (S27).

[0048] If the media is not removed from the multi-scan tray 15 within a certain period of time (S27: No), the control unit 20 notifies the user of a forgotten media alarm via the display screen of the display / operation unit 11 (S28) and returns to S26. If the media is removed from the multi-scan tray 15 within a certain period of time (S27: Yes), the control unit 20 terminates the transaction process.

[0049] Figures 10A to 10C are explanatory diagrams illustrating examples of screen displays related to electronic money charging.

[0050] As shown in Figure 10A, the start screen 300 displays a guidance display unit 301 that displays various information and operation buttons 302 that accept various operations. Here, the guidance display unit 301 of the start screen 300 displays a message prompting the user to insert the card to be used for the transaction. The operation buttons 302 of the start screen 300 display buttons that instruct the user to start various transactions. The user selects the "Electronic Money Charge" button from among the operation buttons 302.

[0051] Upon commencement of electronic money charging, the control unit 20 displays a guidance screen 310 on the display / operation unit 11, which displays a message on the guidance display unit 301 prompting the user to place the electronic money (medium) on the multi-scan tray 15.

[0052] Next, when the control unit 20 detects that a medium has been placed in the multi-scan tray 15, it displays a charge amount setting screen 320 on the display / operation unit 11. This charge amount setting screen 320 includes an operation button 302 for specifying the charge amount and an amount display unit 303 that shows the remaining balance of the electronic money amount contained in the IC information read from the medium. The user sets the charge amount by operating the operation button 302 on this charge amount setting screen 320.

[0053] As shown in Figure 10B, after the charge amount is set, the control unit 20 displays a charge guidance screen 330 on the display / operation unit 11 to prompt the user to insert banknotes. This charge guidance screen 330 includes, for example, a guidance display unit 301 that displays a message prompting the user to insert banknotes, and an amount display unit 303 that shows the set charge amount.

[0054] If the amount inserted equals the charge amount, the control unit 20 displays a confirmation screen 340 on the display / operation unit 11 to confirm the transaction details (charge to electronic money). This confirmation screen 340 includes transaction details 304 such as the amount of electronic money after charging, the amount to be charged, the amount inserted, and the change.

[0055] Next, if there are no problems with the confirmation on the confirmation screen 340 and the user wishes to charge the electronic money, the control unit 20 starts charging the electronic money placed on the mounting base 150 and displays a progress screen 350 on the display / operation unit 11 to indicate that the charge is in progress.

[0056] After the electronic money charge is complete, as shown in Figure 10C, the control unit 20 displays a completion notification screen 360 on the display / operation unit 11 to indicate that the electronic money charge has been completed. This completion notification screen 360 includes, for example, a guidance display unit 301 that displays a message prompting the user to receive their change, and an amount display unit 303 that shows the amount of change.

[0057] After the change is received, the control unit 20 displays a guidance screen 370 on the display / operation unit 11 prompting the user to accept the electronic money (medium) placed on the tray 150. This guidance screen 370 includes, for example, a guidance display unit 301 that displays a message prompting the user to accept the electronic money. Then, the control unit 20, having detected the acceptance of the electronic money, displays an end screen 380 on the display / operation unit 11 indicating that the transaction is complete.

[0058] Next, we will explain the operation of the automated trading device 1's transaction processing, using the case of opening an account as an example. Figure 11 is a flowchart showing an example of the operation of the automated trading device according to the embodiment, and more specifically, it shows an example of the operation of the automated trading device 1 when opening an account.

[0059] As shown in Figure 11, when the transaction process is initiated, the control unit 20 displays the start screen on the display / operation unit 11 and accepts the selection of the transaction content. Here, it is assumed that the user has selected to open an account (S30).

[0060] Next, the control unit 20 displays a confirmation screen of the rules and terms related to account opening on the display / operation unit 11, and the user confirms the rules and terms (S31).

[0061] Next, the control unit 20 displays a guidance screen on the display / operation unit 11 prompting the user to place an official identification document, such as an ID card 200 or passport 202, onto the multi-scan tray 15. Following this guidance screen, the user places the official identification document onto the multi-scan tray 15. The control unit 20 then uses the scan camera 151 to photograph the official identification document placed on the multi-scan tray 15 (S32).

[0062] Next, the control unit 20 determines whether the shooting is complete (S33), and if the shooting is not complete (S33: No), it returns to S32. If the shooting is complete (S33: Yes), the control unit 20 displays an input screen prompting the user to enter the PIN for their official identification card on the operation unit 11 (S34).

[0063] Next, the control unit 20 communicates with the IC chip on the official identification card using the NFC unit 152 and verifies the entered PIN against the PIN set in the IC information of the IC chip. Then, the control unit 20 determines whether the verification is complete based on the match (S35). If the verification is not complete (S35: No), the control unit 20 returns to S34.

[0064] If the matching is complete (S35: Yes), the control unit 20 takes a picture of the user using the customer camera 12 (S36). Next, the control unit 20 uses known image matching technology to compare the person image of the user taken by the customer camera 12 with the person image included in the image obtained by taking a picture of the official identification card to determine whether they are the same person. Next, the control unit 20 determines whether the matching result indicates that they are the same person and whether the person matching is complete (S37). If the person matching is not complete (S37: No), the control unit 20 returns to processing in S36.

[0065] If the person verification is complete (S37: Yes), the control unit 20 displays a confirmation screen for user information on the operation unit 11 and verifies the user information (S38).

[0066] Next, the control unit 20 receives user input from the display / operation unit 11 and determines whether or not user information needs to be modified (S39). If there is no modification to user information (S39: No), the control unit 20 proceeds to S41.

[0067] If there are any changes to the user information (S39), the control unit 20 registers the user information that has been corrected (S40).

[0068] Next, the control unit 20 accepts the registration of the PIN for the account to be opened based on the user's input via the display and operation unit 11 (S41).

[0069] Next, the control unit 20 displays a confirmation screen for checking the input content on the display / operation unit 11 to confirm the input content (S42).

[0070] Next, the control unit 20 receives the user's operation on the display / operation unit 11 and determines whether or not the user information (input content) needs to be modified (S43). If the user information needs to be modified (S43: No), the control unit 20 returns the process to S40.

[0071] If there are no changes to the user information (S43: Yes), the control unit 20 executes account opening based on the input content (S44). Specifically, the control unit 20 requests account opening based on the input content from the server device that centrally manages accounts via the communication control unit 23, and receives notification from the server device that the account opening has been completed.

[0072] Next, the control unit 20 outputs account opening information, etc. (issuance of receipts) using a printer or the like installed in the automated trading device 1 (S45), and then terminates the process.

[0073] Figure 12 is a flowchart showing an example of the operation of an automated trading device according to an embodiment, and more specifically, it shows an example of the operation of identity verification when opening an account.

[0074] As shown in Figure 12, when processing begins, the control unit 20 turns on the NFC unit 152 and the scan camera 151 (S50). Next, the control unit 20 reads the IC data of the identification card 200 etc. using the NFC unit 152 and reads the card information written on the surface of the identification card 200 etc. using the scan camera 151 (S51), and determines whether the reading is complete or not (S52). If the reading is not complete (S52: No), the control unit 20 waits for processing to begin.

[0075] If reading is complete (S52: Yes), the control unit 20 starts taking pictures of the user with the customer camera 12 (S53) and determines whether the user's image has been captured (S54). If the image has not been captured (S54: No), the control unit 20 waits for processing.

[0076] If the shooting is completed (S54: Yes), the control unit 20 starts verifying the shooting information, that is, verifying the person's photograph included in the ticket information read from the scanning camera 151 against the user photographed by the customer camera 12 (S55), and determines whether the person's photograph and the user match and the verification is OK (S56). If the verification is not OK (S56: No), the control unit 20 returns to processing in S51.

[0077] If the matching is successful (S56: Yes), the control unit 20 compares the data (IC data) read from the NFC unit 152 with the user information contained in the ticket information and determines whether the IC data and user information match and the matching is successful (S57). If the matching is not successful (S57: No), the control unit 20 returns to S51. If the matching is successful (S57: Yes), the control unit 20 terminates the process, considering the identity to have been verified.

[0078] Figures 13 and 15-18 are explanatory diagrams illustrating examples of screen displays related to account opening. As shown in Figure 13, the user is assumed to have selected the "Open Account" button from the operation buttons 302 on the start screen 300.

[0079] Upon initiating the account opening process, the control unit 20 displays a terms and conditions confirmation screen 410 containing the terms and conditions related to account opening on the display / operation unit 11. Next, the control unit 20 displays a guidance screen 420 on the display / operation unit 11 prompting the user to place their official identification document on the multi-scan tray 15. This guidance screen 420 includes, for example, a guidance display unit 301 that displays a message prompting the user to place their official identification document on the multi-scan tray 15, and a guidance image 305 that guides the user on how to place their official identification document on the placement tray 150.

[0080] This guidance image 305 may dynamically show how to place each medium (smartphone 201, passport 202) or terminal (201) to be placed as an official identification document (guidance on inserting it into the placement tray 150 in the cavernous section 160).

[0081] Figure 14A is an explanatory diagram illustrating the insertion instructions for the identification card 200. As shown in Figure 14A, the guidance screen 420 may display guidance images 305a, 305b, 305c, 305a... in a repeated order to guide the user through the dynamic process of inserting the identification card 200 from the cavernous section 160 to placing it on the internal placement platform 150. This allows the user to easily understand how to place the identification card 200.

[0082] Figure 14B is an explanatory diagram illustrating the insertion instructions for the smartphone 201. As shown in Figure 14B, the guidance screen 420 may display guidance images 305d, 305e, 305f, 305d... in that order to guide the user through the dynamic process of inserting the smartphone 201 from the cave-like section 160 to placing it on the internal mounting platform 150. This allows the user to easily understand how to place the smartphone 201.

[0083] Figure 14C is an explanatory diagram illustrating the insertion instructions for the passport 202. As shown in Figure 14C, the guidance screen 420 may display guidance images 305g, 305h, 305i, 305g, etc., in a repeated order to guide the user through the dynamic process of inserting the passport 202 from the cavernous section 160 to placing it on the internal mounting tray 150. This allows the user to easily understand how to place the passport 202.

[0084] As shown in Figure 15, when an official identification document (an identification card 200 in the illustrated example) is placed on the mounting platform 150, the control unit 20 starts taking a photograph of the placed official identification document and displays a progress screen 430 on the display / operation unit 11 indicating that the photograph is being taken.

[0085] If the reading of the image of the official identification document fails, the control unit 20 displays an instruction screen 440 on the display / operation unit 11 instructing the user to reposition the official identification document, and then re-photographs the official identification document after it has been repositioned. If the reading of the image of the official identification document is successful, the control unit 20 displays a completion notification screen 450 on the display / operation unit 11 indicating that the reading has been completed.

[0086] Next, as shown in Figure 16, the control unit 20 displays an input screen 460 on the display / operation unit 11 prompting the user to enter the PIN for their official identification card, and accepts the PIN.

[0087] Next, the control unit 20 displays a shooting guidance screen 470 on the display / operation unit 11 prompting the user to take a picture with the customer camera 12 for facial recognition (matching the image with a person image contained in the image obtained by taking a picture of an official identification card), and then takes a picture of the user with the customer camera 12.

[0088] Next, the control unit 20 starts matching (face recognition) the person image contained in the image obtained by photographing the official identification card with the person image of the user captured by the customer camera 12, and displays a progress screen 480 on the display / operation unit 11 indicating that authentication is in progress.

[0089] If the facial recognition system obtains a matching result that identifies the person as the same individual, the control unit 20 displays a confirmation notification screen 490 on the display / operation unit 11, as shown in Figure 17, indicating that the person on the official identification document matches the user, thus confirming the user's identity.

[0090] Next, the control unit 20 displays a customer information confirmation screen 500 on the display / operation unit 11 for verifying customer information (user information). If there are any corrections to be made, the control unit 20 displays a customer information input screen 510 on the display / operation unit 11 for accepting corrections to the customer information.

[0091] Next, the control unit 20 displays an input screen 520 on the display / operation unit 11 for receiving the input of a PIN to be registered in association with the account, and accepts the input of the PIN.

[0092] Next, as shown in Figure 18, the control unit 20 displays an input screen 530 on the display / operation unit 11 for confirming the input contents related to account opening. If there are no problems with the contents of the input screen 530 and an operation such as pressing the confirmation button is performed, the control unit 20 requests account opening from the server device that centrally manages the accounts. At this point, the control unit 20 displays a progress screen 540 on the display / operation unit 11 indicating that account opening is in progress.

[0093] Next, when the control unit 20 receives a notification from the server device that centrally manages the accounts indicating that the account opening has been completed, it displays a guidance screen 550 on the display / operation unit 11 indicating that the account opening has been completed. This guidance screen 550 includes, for example, a guidance display unit 301 that displays a message prompting the user to accept the receipt issued in connection with the account opening. Next, the control unit 20 displays a completion screen 560 on the display / operation unit 11 indicating that the transaction has been completed.

[0094] Figure 19 illustrates the external appearance of the area around the multi-scan tray of the modified automated trading device 1. As shown in Figure 19, the modified automated trading device 1 has a key input section 11c at the bottom of the multi-scan tray 15a that accepts input from operation keys such as a numeric keypad.

[0095] The multi-scan tray 15a has multiple convex portions 164a on the upper surface 164 other than the scan camera 151, which are convex in a downward direction. In this modified automatic trading device 1, by providing multiple convex portions 164a on the upper surface 164 of the multi-scan tray 15a, it is possible to deter foreign objects (such as a small camera for surreptitious filming) from being placed on the upper surface 164 of the multi-scan tray 15a.

[0096] Here, the multiple convex shapes 164a only need to be such that it is difficult to attach foreign objects to the upper surface 164, and are not limited to a configuration in which multiple crescent-shaped grids are arranged from the front (front) to the back, as shown in the illustrated example. For example, the multiple convex shapes 164a may be multiple hemispherical shapes arranged in a row.

[0097] Figure 20 is an external perspective view of the area around the multi-scan tray 15a of the modified automated trading device 1. As shown in Figure 20, the multi-scan tray 15a has a projection 162c on the bottom surface 162 of the cavernous portion 160, between the mounting base 150 and the end 162d on the front surface 10 of the housing. On this bottom surface 162, the area from the mounting base 150 to the tip of the projection 162c is a gently rising bottom surface 162a toward the tip. Similarly, on the bottom surface 162 of the multi-scan tray 15a, the area from the tip of the projection 162c to the end 162d is a gently sloping surface 162b toward the end 162d.

[0098] Figure 21A is a cross-sectional view of BB in Figure 20. Here, the dotted line in Figure 21A indicates the shooting range of the multi-scan camera 151.

[0099] As shown in Figure 21A, the end 162d of the bottom surface 162 extends to the right side (front side) of the drawing so as to hide the key input section 11c from the shooting range of the multi-scan camera 151. In other words, in the multi-scan tray 15a, the bottom surface 162 of the cave-like section 160, from the mounting base 150 to the end 162d on the front side 10 of the housing, blocks the key input section 11c from entering the imaging range of the scan camera 151. As a result, the automated trading device 1 can prevent the key input section 11c from being unintentionally photographed by the scan camera 151.

[0100] Figure 21B is an explanatory diagram illustrating the case where a beverage container is to be placed on the bottom surface 162 of the multi-scan tray 15a. As shown in Figure 21B, the multi-scan tray 15a has a projection 162c on its bottom surface 162 that rises gently from the mounting base 150 to the end 162d on the front surface 10 of the housing, due to slopes 162a and 162b. If a user tries to place a foreign object such as a beverage container 2 on such a bottom surface 162, the beverage container 2 will only be supported by the tips of the projections 162c. In such a bottom surface 162 where the beverage container 2 is supported only by the tips of the projections 162c, it is clear that if the position of the projections 162c is even slightly off from the center line 2a, which is the center of gravity of the beverage container 2, the beverage container 2 will tilt and become unstable. Therefore, a user who sees a bottom surface 162 of this shape will not deliberately place a beverage container 2 on it.

[0101] In this modified form, the multi-scan tray 15a of the automated trading device 1 can prevent foreign objects such as beverage containers 2 from being placed on it. Furthermore, in the multi-scan tray 15a, the projection 162c rises gently due to the slopes 162a and 162b, eliminating snagging caused by the projection 162c when removing dust and other debris adhering to the bottom surface 162.

[0102] As described above, the automated trading device 1 includes a multi-scan tray 15 having a mounting platform 150 on the bottom surface 162 of a cave-like section 160 with an opening 161 formed in the front surface 10 of the housing, on which a medium to be read (identity card 200, passport 202) or terminal (smartphone 201) is placed. The automated trading device 1 also includes a scan camera 151 provided at the top of the cave-like section 160 for photographing the medium or terminal placed on the mounting platform 150. The automated trading device 1 also includes an NFC unit 152 that reads IC information stored in an IC chip by communicating with the IC chip on the medium or terminal placed on the mounting platform 150. The automated trading device 1 also includes a control unit 20 that performs transaction processing based on at least one of the image information captured by the scan camera 151 or the read IC information.

[0103] As a result, even when the automated trading device 1 is installed in an environment with strong ambient light, the cavernous section 160 reduces the influence of ambient light when reading the medium (identity card 200, passport 202) or terminal (smartphone 201), thereby preventing a decrease in recognition rate. For example, when reading a QR code displayed on the screen of a smartphone 201, rereading due to recognition failure becomes less likely, improving convenience. In addition, by placing the mounting platform 150 on which the medium or terminal to be read is placed inside the cavernous section 160, the automated trading device 1 can prevent people from looking in from the surroundings (preventing peeping and surreptitious photography) and prevent dust and other debris from accumulating.

[0104] Furthermore, the automated trading device 1 is equipped with a bottom guide member 170 on the bottom surface 162 of the cave-like section 160, which guides the placement of media or terminals onto the mounting tray 150. This allows the automated trading device 1 to smoothly guide the media or terminals onto the mounting tray 150 for the user.

[0105] Furthermore, the automated trading device 1 includes a booklet guide member 180 that, when a paper booklet (e.g., a passport 202) is placed on the mounting base 150 with one side of the booklet open, locks the other side of the booklet open. This prevents the other side of the booklet from closing when the scanning camera 151 is used to photograph one side of the booklet open. Additionally, by locking the other side of the booklet open and covering the opening 161, the automated trading device 1 can further reduce the influence of ambient light when the scanning camera 151 is used to photograph one side of the booklet open.

[0106] Furthermore, the automated trading device 1 is equipped with a customer camera 12 on the front of the casing 10 to photograph the user. In the transaction processing, the control unit 20 verifies the user by comparing the image information of the user captured by the customer camera 12 with the reading information read from the media or terminal by the multi-scan tray 15. This allows the automated trading device 1 to deter fraudulent use, such as the use of the media or terminal by someone other than the legitimate user.

[0107] Furthermore, the automated trading device 1 is equipped with a display and operation unit 11 on the front of the housing 10 for displaying information to the user. When the control unit 20 acquires read information from a medium or terminal during transaction processing, it displays a guidance display on the front of the housing 10 for each medium or terminal to guide the user to place it on the mounting tray 150. This allows the automated trading device 1 to smoothly guide the user to place the medium or terminal on the mounting tray 150.

[0108] Furthermore, the automated trading device 1 is further equipped with a plurality of convex-shaped portions 164a on the upper surface 164 of the cavern-shaped portion 160. This prevents foreign objects such as surreptitious cameras from being placed on the upper surface of the multi-scan tray in the automated trading device 1.

[0109] Furthermore, the automated trading device 1 has a projection 162c on the bottom surface 162 of the cave-like section 160, between the mounting base 150 and the end 162d on the front surface 10 side of the housing. In the automated trading device 1, the bottom surface from the mounting base 150 to the tip of the projection 162c and the bottom surface from the tip of the projection 162c to the end 162d are sloped surfaces 162a and 162b. By having such a projection and sloped surface configuration, the automated trading device 1 can prevent foreign objects (for example, a cup containing a beverage) from being placed on the bottom surface 162 from the mounting base 150 to the end 162d.

[0110] Furthermore, the automated trading device 1 is further equipped with a key input section 11c at the bottom of the multi-scan tray 15a that accepts input via operation keys. In this automated trading device 1, the bottom surface 162 of the cave-like section 160 extending from the mounting base 150 to the end 162d on the front 10 side of the housing shields the key input section 11c from entering the imaging range of the scan camera 151. As a result, the automated trading device 1 can prevent the key input section 11c from being unintentionally photographed by the scan camera 151. [Explanation of Symbols]

[0111] 1…Automated trading device 10…Front of the cabinet 11...Display / operation section 11a...LCD display section 11b...Touch panel 12... Customer Camera 13...Card slot 14…Deposit and Withdrawal Department 15…Multi-scan tray 20... Control Unit 21…CPU 22...RAM 23…Communications Control Unit 24…FPGA 25…Graphics Processing Unit 26...External storage device 27…Input / Output Interface 30…Power supply unit 40...Card processing unit 50…Banknote processing unit 150… Mounting platform 151... Scan camera 152…NFC unit 160...cave-like part 161...Aperture 162...Bottom 163... Side wall 164…Top surface 165... Back wall 170...Bottom guide member 180... Booklet guide component 181... Front guide section 181a, 181b... slope 200...Identification card 201... Smartphone 202… Passport 300…Start screen 301... Information display section 302... Operation Buttons 303…Amount display section 304...Transaction details 305, 305a~305i... Information images 310, 370, 420, 550... Guide screen 320... Amount setting screen 330...Charge guidance screen 340...Confirmation screen 350, 430, 480, 540…Progress screen 360, 450…Completion notification screen 380, 560... End screen 410...Terms and Conditions Confirmation Screen 440…Instruction screen 460, 520... Input screen 470... Shooting guide screen 490...Confirmation notification screen 500... Customer Information Confirmation Screen 510... Customer Information Input Screen 530... Input confirmation screen

Claims

1. A tray section having a platform on the bottom of a cavern-like section with an opening formed on the front of the housing, on which a medium or terminal to be read is placed, A first camera is provided in the upper part of the aforementioned cavernous section for photographing a medium or terminal placed on the aforementioned stand, A communication unit that reads IC information stored in an IC chip by communicating with an IC chip on a medium or terminal placed on the aforementioned mounting base, A control unit that performs transaction processing based on at least one of the image information captured by the first camera or the IC information read, Equipped with, The aforementioned medium is a booklet made of paper. Within the aforementioned cavernous section, when one side of the opened booklet is placed on the aforementioned stand, a guide member is provided to secure the other side of the opened booklet. An automated trading device characterized by the following features.

2. A second camera for photographing the user is provided on the front of the housing, The control unit, in the transaction processing, verifies the user by comparing the image information of the user captured by the second camera with the read information. The automated trading device according to feature 1.

3. The housing is equipped with a display unit on the front for displaying information to the user, When the control unit acquires the read information in the transaction processing, it causes the display unit to display a guidance display indicating where to place the medium or terminal on the aforementioned stand. The automated trading device according to feature 1.

4. The upper surface of the aforementioned cavernous portion is further provided with a plurality of convex-shaped portions. The automated trading device according to feature 1.

5. The bottom surface of the aforementioned cavernous portion has a projection between the base described above and the front end of the housing, The bottom surface from the mounting base to the tip of the projection and the bottom surface from the tip of the projection to the end are sloped. The automated trading device according to feature 1.

6. The tray section is further provided with a key input section at the bottom for receiving input via operation keys. The bottom surface of the cave-like portion extending from the mounting base to the front end of the housing blocks the key input section from entering the imaging range of the first camera. The automated trading device according to feature 1.

Images