JP5225050B2 - Automatic transaction apparatus and transaction control method thereof - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that provides, for example, a transaction involving withdrawal of money to a user, and a transaction control method thereof.

  2. Description of the Related Art Conventionally, an automatic transaction apparatus having a function of depositing and withdrawing money as represented by an automatic teller machine that automates a bank window service of a financial institution and provides a service to a user has been provided.

In recent years, the form in which this automatic transaction apparatus is operated in an unmanned store is rapidly progressing, and the number of automatic transaction apparatuses installed in the unattended store is on an increasing trend. This unmanned store is operated by distributing many unmanned stores that can be operated in a small space rather than concentrating on a limited number of manned stores and providing services to users. The service usage opportunities of the service are expanded and the convenience is improved.
In addition, operation at unmanned stores has the effect of reducing operational costs, mainly labor costs, compared to manned stores.

  On the other hand, when the automatic transaction apparatus is operated in an unmanned store, it is necessary to periodically perform manned correspondence such as replenishment of money in the automatic transaction apparatus and maintenance of the apparatus. In addition, it is advantageous that the operation cost necessary for providing the service is as few as possible with manned work.

  In order to reduce this manned response, it is important to extend the period in which the automatic transaction apparatus can be used continuously for transactions. For this reason, the service provider responds to an automatic transaction apparatus that tends to have a large amount of money withdrawal transactions by replenishing more money than other automatic transaction apparatuses when replenishing money.

  In such an automatic transaction apparatus, the amount of money remaining in the automatic transaction apparatus changes in various ways during operation due to the effect of the transaction ratio of the deposit-type transaction and the withdrawal-type transaction that varies depending on the transaction usage status of the user. An automatic transaction apparatus that handles a plurality of money denominations may cause a large bias in the remaining amount of money for each denomination. And if the balance of the remaining amount becomes large and some denominations of money are insufficient, it will not be possible to continue accepting transactions, and the automatic transaction device will be suspended until the money of the denominations is replenished Will do.

  In order to solve such a problem, an automatic transaction processing device and a coin storage / dispensing device have been proposed (see Patent Document 1 and Patent Document 2). In these documents, if a denomination of a denomination is low and needs to be replenished, it becomes impossible to handle the money of that denomination in a withdrawal transaction. A technique for substituting the amount of money to the user is disclosed. With this method, if there is a sufficient remaining amount of money money that can be substituted, it is possible to continue operation temporarily.

  An automatic transaction apparatus that handles coins has also been proposed (see Patent Document 3). In this automatic transaction apparatus, when the remaining amount of coins of a certain denomination becomes full, alternative payment is performed with a full coin instead of another denomination. As a result, the remaining amount of coins of a certain denomination is increased, thereby avoiding an inoperability due to excessive deposits.

In this way, when the amount of money in a denomination in the automatic transaction device is low or full, the contents of the withdrawal transaction are controlled, and the equivalent amount is deducted from different types of money denominations. Attempts have been made to continue operations by substituting withdrawing money.
JP-A-1-173282 JP-A-10-198835 JP 2000-163618 A

  However, the above-described conventional technique is only an emergency measure that temporarily avoids a factor that makes it impossible to continue operation, such as when the denomination of a denomination is full or full. There is nothing. For this reason, the period during which operation continuation can be extended was short only by using such emergency measures.

  Further, in the case where the remaining amount of money is expired or full and the transaction cannot be provided, the transaction cannot be provided for the remaining amount of money of the denomination that is not expired or full. For this reason, there has been a problem that money denominations with a normal amount of money remain dead in operation, resulting in poor operational efficiency in terms of funds.

  This invention monitors the remaining amount of money of each money denomination in the automatic transaction apparatus before the state where the operation cannot be continued, and controls to reduce the difference in the relative remaining amount of money of each money denomination. The purpose of this is to provide an automatic transaction apparatus and transaction control method that can extend the period until falling into a situation where the operation becomes impossible and improve the efficiency of funds operation in the automatic transaction apparatus. .

The present invention provides a plurality of storages for storing money of a plurality of different denominations in denominations, input means for receiving an input of a transaction request amount by a user, and receiving an input of the transaction request amount by the input means An automatic transaction apparatus comprising withdrawal processing means for executing a withdrawal process for paying out money from each storage of money type as appropriate and withdrawing money having an amount matching the transaction requesting amount. The remaining amount level is an indicator that indicates to which region the bill storage area is divided into a plurality of regions, and the remaining amount level is set to a denomination and stored in each storage Withdrawal of the withdrawal processing means so that the remaining amount level of each denomination after withdrawal is closer to a predetermined condition than before withdrawal based on the comparison result of comparing the remaining amount level of money with the denomination Withdrawal processing to adjust processing Characterized in that it is an automatic teller machine equipped with the integer unit.

  According to the present invention, the amount of money remaining in each money denomination in the automatic transaction apparatus is monitored from before the state in which the operation cannot be continued, and the control for reducing the difference in the relative amount of money in each money denomination is reduced. By performing the above, it is possible to provide an automatic transaction apparatus and transaction control method that can extend the period until falling into a situation where the operation becomes impossible, and improve the efficiency of funds operation in the automatic transaction apparatus.

An embodiment of the present invention will be described below with reference to the drawings.
FIG. 1 is a perspective view illustrating an overview of an automatic transaction apparatus 1 to which the present embodiment is applied, and FIG. 2 is a block diagram illustrating an internal configuration of the automatic transaction apparatus 1.

  The automatic transaction apparatus 1 is provided with an operation unit 7 for displaying and inputting transaction contents at the upper part, and a card processing mechanism 3 for processing a user's card and a statement slip at a position below the operation unit 7. Is provided with a statement slip processing mechanism 4 for printing and releasing a keypad 9 for inputting numbers.

  A bill deposit / withdrawal mechanism 5 for processing bills is provided at the lower part of the automatic transaction apparatus 1. Inside the banknote depositing / dispensing mechanism 5, a denomination money storage 301 (301a to 301c) is provided.

  In addition, a main body control unit 2 that controls the entire automatic transaction apparatus 1 is provided inside the automatic transaction apparatus 1. As shown in FIG. 2, the main body control unit 2 is connected to an interface unit 8 for exchanging necessary data and an external storage device 10. The automatic transaction apparatus 1 is connected to the host computer 12 via the line connection unit 6. The main body control unit 2 functions as a withdrawal processing unit that executes a withdrawal process, and also functions as a withdrawal process adjustment unit that adjusts which withdrawal process is allowed.

  The card processing mechanism 3 has a function of inserting, releasing, collecting, reading and writing information, and acquiring an image on the card surface of a magnetic card and an IC card in which user information necessary for automatic transaction is recorded.

  The statement slip processing mechanism 4 has a function of printing, releasing, and collecting statement slips used in transactions, clerk processing, and the like. The main body control unit 2 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

  Next, an operation when the user selects a withdrawal transaction using the automatic transaction apparatus will be described. The user selects the transaction that the user wants to use from the operation unit 7 for displaying and inputting the contents of the transaction, inserts the card into the card processing mechanism 3, and the password and the withdrawal amount from the operation unit 7 and the keypad 9. Enter. When the main body control unit 2 transmits the card information read from the card processing mechanism 3, the password entered by the user and the withdrawal amount information to the host computer 12, and the withdrawal transaction is permitted from the host computer 12, the banknote A withdrawal instruction is issued to the deposit / withdrawal mechanism 5. Further, the transaction usage details are printed by the statement slip processing mechanism 4. Thereafter, the card is returned to the user, and the statement slip and the withdrawal bill are released.

  FIG. 3 is an explanatory diagram showing a technique for indexing and comparing the remaining money amount of each denomination as a numerical value in order to perform control according to the present invention. When the remaining amount of money is indexed, the same denomination of money stored separately in a plurality of money-type money storages 301 is virtually stored in one money-type money storage 301. Collectively index.

  As shown in FIG. 3A, for the maximum number of sheets that can be stored in the money-type money storage 301 (banknote storage area), the range of the number of sheets that can be stored is divided into a plurality of parts. The remaining money area 304 is defined by an area (area 1 to area 5 in the illustrated example). When dividing into the remaining money area 304, a remaining money threshold 303 is set for each area. In addition, this area is divided into the same number for each denomination.

  A corresponding area (area 3 in the illustrated example) corresponding to the remaining amount of money 302 indicating the amount of money currently stored with respect to the plurality of defined money remaining areas 304 (area 1 to area 5 in the illustrated example). Is a remaining money level 305 obtained by indexing the remaining money of the denomination. In this money remaining amount level 305, an area with the smallest remaining amount of money is defined as a value 1, and a value 1 is added as the area with the remaining money remains.

3 (b) and 3 (c) are diagrams showing a case where the technique for indexing the remaining money amount described in FIG. 3 (a) is applied to a configuration composed of a plurality of money denominations. .
FIG. 3B is a diagram showing an absolute remaining amount of money. In this illustrated example, it can be seen that the money-type money storage 301 having the widest area for storing money is the money-type money storage 301a.

  FIG.3 (c) is a figure which showed the relative money remaining amount. That is, by making the absolute money remaining amount shown in FIG. 3B as a ratio with respect to the maximum storage amount, the money remaining amount ratio of each denomination can be relatively compared. In this example, a case where two types of money denominations of money denomination A and money denomination B are handled will be described.

  The money denomination A is stored in two denomination type money storages 301a and 301b, and the money denomination B is stored in one denomination type money storage 301c. As described with reference to FIG. 3B, the maximum number of stored moneys in each denomination money storage 301a, 301b, 301c is not the same. In addition, each denomination money storage 301a, 301b, 301c stores money of the remaining money amount 302a, 302b, 302c, respectively.

  Here, the remaining amount of money is indexed from the ratio of the remaining amount of money currently stored with respect to the maximum number of pieces that can be stored for each denomination. As a result, when there are multiple denominations with a single denomination or when the maximum number of denominations is different for each denomination, the relative amount of money between different denominations can be compared. Can be performed.

  The money type A money storage 301a, 301b and the money remaining amount 302a, 302b are added together, and the money remaining amount ratio 310d indicates the ratio of the money remaining amount. It is expressed as a remaining money amount 302d for 301d. Further, the denomination B remaining amount ratio 310e indicates the ratio of the remaining amount of money between the denomination type money storage 301c and the remaining money amount 302c of the denomination B, and the remaining money amount 302e with respect to the denomination money storage 301e. Represented as:

  With respect to each of the denomination A remaining amount ratio 310d and the denomination B remaining amount ratio 310e thus obtained, a remaining money threshold 303 is set and divided into a plurality of areas, thereby defining the remaining money area 304. .

  The money remaining amount level 305d is obtained by indexing the currently stored money remaining amount 302d of the denomination A remaining amount ratio 310d, and the currently stored money remaining amount 302c of the denomination B remaining amount ratio 310e is an index. The converted money becomes the remaining money level 305e.

  In the example shown in the figure, for money denomination A, areas 1 to 5 are equally divided, but for money denomination B, at least some of the areas are different in size from other areas. The area is narrower as the remaining amount becomes smaller, and the area becomes wider as the remaining amount becomes larger. By using the remaining amount ratio in this way, it is possible to set a free standard regardless of the actual physical number of remaining money.

FIG. 4 is an explanatory diagram showing the configuration of various data used to regulate transactions according to the remaining amount of money.
FIG. 4A is a configuration diagram of a remaining money area division number table.
This money remaining amount area division number table stores the number of divisions of the remaining money area when indexing the remaining money amount as division number information. In the illustrated example, “5” is stored.

FIG. 4B is a configuration diagram of the remaining money area threshold table.
This money remaining amount area threshold table includes money type, area 1 upper limit (%), area 2 upper limit (%), area 3 upper limit (%), area 4 upper limit (%), and area 5 upper limit (%). The threshold value of each area is stored in the money type. In the example shown in the figure, threshold values of five areas corresponding to the number of divisions in the remaining money area division number table are stored in two types of money of 10,000 yen and 1,000 yen.

FIG. 4C is a configuration diagram of a transaction restriction target service table.
This transaction restriction target service table includes items of a service category and a regulated service, and a regulated service is defined for each service category. In the example shown in the figure, for each of the four categories of service 1 to service 4, “1000 yen withdrawal”, “partial exchange 1”, “partial exchange 2”, and “currency exchange” are stored. Yes. “Partial exchange 1” indicates, for example, a service in which 10,000 yen out of 30,000 yen is converted into a thousand yen bill. “Partial exchange 2” indicates a service in which, for example, all of the 30,000 yen withdrawal is converted into a thousand yen bill. Further, “exchange” indicates a service in which, for example, 10,000 yen is inserted and changed into a thousand yen bill.

FIG. 4D is a configuration diagram of a tradeable service determination table as withdrawal type determination criterion information and acceptance transaction determination criterion information.
This tradeable service determination table is composed of items of the remaining money level difference (index value difference), service 1, service 2, service 3 and service 4, and the availability of each service is determined for each remaining money level. Is set.

  In the illustrated example, the remaining money level difference is set in five stages from -2 to +2. In this example, the regulation service increases on the plus side where the remaining amount ratio of 10,000 yen bills is larger than that on thousand yen bills, and the regulation service decreases on the minus side where the remaining amount ratio of thousand yen bills is greater than that on 10,000 yen bills. It is set to be.

  FIG. 5 is a flowchart showing a process of determining a transaction that the automatic transaction apparatus 1 provides to a user. The operation shown in this flowchart is executed every time the remaining money amount of the denominated money storage 301 changes.

  In this example, in the automatic transaction apparatus 1 capable of performing transactions involving deposits and withdrawals of 10,000 yen bills and thousand yen bills, “1,000 yen withdrawal” “partial exchange 1” “partial exchange 2” An example of controlling whether or not to provide transaction processing (withdrawal processing) of “exchange” is given. In these transactions, it is assumed that thousands of banknotes can be withdrawn in the order of “thousand yen withdrawal” <“partial exchange 1” <“partial exchange 2” <“exchange”. ing.

  When the remaining amount of money stored in the automatic transaction apparatus 1 changes, the main body control unit 2 of the automatic transaction apparatus 1 starts a transaction determination process to be provided to the user (step S400).

  First, the main body control unit 2 indexes the current money remaining amount for each money denomination handled by the automatic transaction apparatus 1 (step S401). When indexing the remaining amount of money, the main body control unit 2 determines the number of divisions of the remaining money area defined in the remaining money area dividing table shown in FIG. 4A and the money shown in FIG. Based on the threshold value for each remaining money area defined in the remaining area threshold table, it is determined to which area the current remaining money falls. At this time, the main body control unit 2 acquires the current money remaining amount by detection of the remaining amount detection unit provided in each denomination money storage 301.

  And the main-body control part 2 acquires the numerical value corresponding to the area | region (any area | region of the money remaining area 304 shown in FIG. 3) to which the present money remaining amount corresponds, and makes this a money remaining level. . The determination of which area the remaining money amount corresponds to is performed with reference to the threshold value for each denomination defined in the remaining currency area dividing table in FIG.

  Subsequently, the main body control unit 2 calculates a difference in the remaining money level of the money denomination (Step S402). The difference in the remaining money level is calculated by the main body control unit 2 by subtracting the value of the remaining money level of the small money denomination from the remaining money level of the expensive money denomination.

  The difference in the remaining money level is the difference between the amount of money remaining in the high money denomination and the amount of money in the small money denomination, that is, the amount of money in the high money denomination is small. When the amount of money is greater than the remaining amount of money, a positive integer value is obtained, and vice versa.

  Next, the main body control unit 2 executes a withdrawal process adjustment step for determining a transaction that can be traded from the calculated difference in the remaining money level (step S403). At this time, the main body control unit 2 refers to the tradeable service determination table in FIG. 4D and defines whether or not the transaction matches with the calculated money remaining level difference (index value difference) (service 1 to service 4). (Definition of possible / impossible)).

  The services 1 to 4 that are the targets of transaction availability in the table are those defined in the transaction restriction target service table of FIG. The body control unit 2 permits the user to select a transaction according to the determined service content (step S404). Therefore, the user can use the automatic transaction apparatus 1 only for transactions that are allowed to be selected.

  With the configuration and operation described above, the remaining amount of money of each money denomination in the automatic transaction apparatus 1 is monitored before the state where the operation cannot be continued, and the difference in the relative remaining amount of money of each money denomination is monitored. Can be controlled. Thereby, the period until it falls into the situation where management becomes impossible can be extended, and the money management efficiency in the automatic transaction apparatus 1 can be improved.

  Specifically, when the difference in the remaining money level is +2 or more, that is, when the remaining amount of money denomination is higher than the remaining amount of money denominations in two steps than the remaining amount of money denomination, Services to withdraw denominations will no longer be provided. For this reason, the number of stored money denominations with a small face value increases and the number of stored money denominations decreases. Further, as the difference in the remaining money level gradually becomes smaller, it becomes possible to make a transaction that can withdraw more money denominations with a small face value in stages. For this reason, the function of increasing the proportion of small money denominations gradually weakens. As a result, the difference in the remaining money level becomes 0, that is, the remaining money level between different denominations is equalized.

  Further, by using a simplified indicator of the remaining money level 305, execution / cancellation of transaction restrictions can be easily determined and executed.

  Further, when the banknote depositing / dispensing mechanism 5 releases money from the denominated money storage 301, the remaining money levels of different denominations stored in the denominated money storage 301 are compared, and based on the comparison result. Since the transaction control is configured to equalize the level of remaining money of each denomination, the operation period is not limited to the state of the absolute remaining amount of money remaining in the denomination money storage 301 of each denomination being full or full. It becomes possible to perform transaction control at all times throughout.

  Also, by controlling the transaction so that the level of remaining money of each denomination is equalized, the balance of the remaining amount of money of each denomination is eliminated, and all denominations of money are uniformly cut or full. It is possible to continue the ideal operation approaching the state. As a result, there is a bias in the remaining amount of money for each denomination, and the single money denomination is full or full, resulting in a significant increase in the operating period compared to the case where continuous operation becomes impossible. Can be achieved.

  Further, the value of the maximum amount of money stored in the denomination money storage 301 for each denomination is divided equally or unevenly into the same number of areas, and the area where the remaining money amount of each denomination is located is set as the remaining money level. In order to define it, it is easy to compare the remaining amount of money between different denominations without being limited by the absolute number of remaining amount of money of each denomination, and uniquely represent the unevenness of the remaining amount of money. For this reason, the amount of money remaining in the entire denomination within the automatic transaction device can be ascertained by controlling the transaction content to the user based on the index value indicating the non-uniformity of the remaining money level. And can be controlled. In addition, the index value indicating the non-uniformity of the remaining money level can be applied not only to the control of transaction contents for the user but also to processing for the purpose of maintaining the entire system of the automatic transaction apparatus.

  In addition, when the maximum amount of money stored in the storage of each denomination is different, the ratio of the remaining amount of money of each denomination to the maximum stored number of money is calculated, and based on this ratio, the remaining money between different denominations is calculated. In order to compare the amounts, even if the physical maximum storage number of the denomination money storage 301 for each denomination in the automatic transaction apparatus 1 is different, it is possible to relatively compare the remaining monetary amounts between denominations. it can. In addition, not only when the physical maximum number of coins stored in the denomination money storage 301 for each denomination is different, but also when there are multiple storages for storing certain denominations, it is easy to compare the remaining amount of money. It becomes possible.

  Furthermore, since the transaction content accepted so as to equalize the money remaining level of each denomination is selected, the deviation of the money remaining level of each denomination stored in the automatic transaction apparatus 1 is minimized. Then, the remaining money level during the operation period is decreased or increased on average for each denomination. For this reason, it is possible to extend the operation period and maximize the fund operation efficiency.

  In the above embodiment, the area division number of the remaining amount of money is defined as 5. However, the number of area divisions may be further subdivided. By subdividing the number of area divisions in this way, the main body control unit 2 can perform finer control with respect to changes in the remaining amount of money for each money denomination, and can increase control accuracy. .

  Further, as shown in the remaining amount of money area division table in FIG. 4A, the remaining amount of money is divided into areas using a predefined threshold. However, the present invention is not limited to this. The threshold may be automatically determined based on the remaining amount of money and the area may be divided.

Specifically, the area threshold value may be defined by a calculation formula based on the remaining amount C ₀ at the time of replenishment (occupation area at the time of money replenishment) as in the formula for calculating the remaining amount of money area threshold shown in FIG. In this case, the money remaining area is dynamically divided with respect to the initial remaining amount of money, and thereafter, control based on the divided area can be performed. With this configuration, as shown in the table of FIG. 7A and the graph of FIG. 7B, the remaining amount level threshold value can be automatically calculated according to the initial remaining amount at the time of replenishment.

  Further, in this case, since the same operation and effect as the embodiment using the above-described money remaining area dividing table can be obtained and the area dividing is performed based on the initial money remaining for each money replenishment, the automatic transaction apparatus There is no need to set a separate table for each.

  Moreover, although the remaining amount of money area threshold value table of FIG.4 (b) was made into the ratio of the remaining amount of money with respect to the largest storing number of money of the storage for every money type, you may make it the structure designated with the number of remaining amounts of money. .

  In addition, when dividing the remaining amount of money, the width between the thresholds near the central region of the remaining amount of money may be set to be large, and the width between the thresholds of the regions near the remaining amount / full may be reduced. . As a result, it is difficult to control the equalization of the remaining amount of money when the remaining amount of money is near the center, and it is possible to easily control the equalization of the remaining amount of money when the remaining amount of money is near low or full. As described above, when the areas are divided, the size of each area is adjusted to be unequal, thereby enabling control in accordance with the operation.

Moreover, although the above-mentioned embodiment demonstrated handling of a banknote, you may perform the same control also about the automatic transaction apparatus which handles a coin.
Furthermore, the transaction shown in FIG. 4 (c) was cited as the transaction to be controlled. However, the equivalent denomination of the denomination of the denomination of the denomination is used instead of the denomination of the denomination of the denomination that is higher than the withdrawal amount. It is also possible to adopt a configuration in which an alternative withdrawal function for withdrawing money is applied to control the remaining amount of money. In addition to this, the target transaction can be arbitrarily set according to the type of transaction handled by the automatic transaction apparatus 1. Further, the present invention can be applied to the control other than the control for transactions that the user can deal with, as in the case of payout of change that can be released with any money denomination.

  In the case of change payout, as shown in FIG. 8, it is only necessary to set a change payout type determination table as withdrawal type determination reference information. This change payout denomination determination table includes items of a remaining amount level difference (index value difference), a payout denomination determination 1, and a payout denomination determination 2, and the payout denominations may be determined according to the remaining amount level difference. .

The remaining amount level difference (index value difference) may be obtained by subtracting the remaining amount of money from the remaining amount of the high denomination.
The payout denomination determination 1 is used to compare remaining amounts of ¥ 1 and ¥ 5, ¥ 10 and ¥ 50, and ¥ 100 and ¥ 500.
The payout denomination 2 is used to compare remaining amounts of ¥ 5 and ¥ 10, and ¥ 50 and ¥ 100.

  In the case of the change payment, the remaining amount level of the denominated money of the amount used for the change change is compared, and the equivalent amount is deducted based on the difference in the remaining level. Decide whether to pay out. Even when the equivalent amount is paid out, the money level of each denomination can be kept uniform by giving priority to the money of the denomination having a large remaining amount level. With this control, the number of transactions that can be changed can be increased, and the period during which the automatic transaction apparatus can be operated can be extended.

  In the case of change payout, the change can be efficiently operated according to the two kinds of criteria of the payout denominations 1 and 2 described above. That is, the payout denomination 1 substitutes 5 small denominations for one high denomination, and the payout denomination 2 substitutes 2 small denominations for one high denomination Appropriate operation can be implemented by having separate criteria for withdrawal.

  In addition, with this setting, alternative withdrawals are made when there are one more denomination in the payout denomination determination 2, whereas in the payout denomination determination 1, the smaller denomination is increased by two steps. Make an alternative withdrawal at. Thereby, the case where the payout denomination determination 1 with a large ratio of the number of substitutes to be dispensed is applied can be limited to a case where the difference in the remaining amount ratio is large.

  By doing in this way, a plurality of money used for change dispensing can be changed at an equal remaining amount level, and the operable period can be kept as long as possible.

  In addition, by determining the denominations to be paid out as change so as to equalize the level of remaining money of each denomination, it is possible to prevent the change from being disabled due to the depletion of specific denominations. it can.

  Further, the transaction control based on the index value indicating the non-uniformity of the remaining money level is not limited to the transaction for the purpose of equalizing the remaining money level of each denomination. By applying it to any transaction, it becomes possible to expand the diversity of operations.

  The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

The perspective view which shows the external appearance of an automatic transaction apparatus. The block diagram which shows the internal structure of an automatic transaction apparatus. Explanatory drawing which showed the method of indexing and comparing the money remaining amount of each denomination as a numerical value. Explanatory drawing which shows the structure of various data. The flowchart of the operation | movement which an automatic transaction apparatus performs. Explanatory drawing of a money remaining area threshold value calculation formula. Explanatory drawing of the table | surface and graph of the calculated threshold value. The block diagram of a change payment type selection table.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 2 ... Main-body control part, 7 ... Operation part, 10 ... External storage device, 301 ... Money-type money storage, 305 ... Money remaining level

Claims (7)

A plurality of storages storing different types of money in different denominations;
An input means for receiving an input of a transaction request amount by a user;
Withdrawing processing means for receiving an input of the transaction request amount by the input means, and paying out money from each storage of the money type as appropriate and withdrawing money of an amount that matches the transaction request amount; An automatic transaction apparatus equipped with
The remaining amount level is an indicator that indicates in which area the banknote storage area in the storage is divided into a plurality of areas,
The remaining amount level is set to money type,
Based on the comparison result of comparing the remaining amount level of money stored in each storage to the denomination, the remaining amount level of each denomination after withdrawal approaches a predetermined condition set in advance from before the withdrawal. automatic transaction apparatus having a dispensing process adjusting means for adjusting the dispensing process of the dispensing process means. Storage means for storing withdrawal type determination criteria information that defines the type of withdrawal to be made according to the difference in the remaining level of the denomination,
The withdrawal processing adjustment means includes:
The automatic transaction apparatus according to claim 1, wherein a denomination to be withdrawn is determined based on the comparison result and the withdrawal type determination criterion information. Comprising storage means for storing acceptance transaction determination criteria information that defines transaction processing that is accepted according to the difference in remaining amount level of the denomination,
The withdrawal processing adjustment means includes:
The automatic transaction apparatus according to claim 1, wherein the transaction processing to be accepted is determined based on the comparison result and the accepted transaction determination reference information. The banknote storage area is
The storage case can store money to a maximal area or the storage case in any of claims 1 a monetary replenishment time occupation area occupied entire money after replenishing when money is replenished 3, 1 Automatic transaction equipment described in 1 . The plurality of areas used for the indicator as the remaining amount level are:
The automatic transaction apparatus according to any one of claims 1 to 4, wherein at least a part of the area is configured to have a size different from other areas. The automatic transaction apparatus according to any one of claims 1 to 5 , wherein the money dispensed by the withdrawal processing means includes at least change. A plurality of storages storing money of different denominations in denominations, input means for accepting input of transaction request amounts by users, and accepting input of the transaction request amounts by the input means A transaction control method for an automatic transaction apparatus comprising a withdrawal processing means for executing a withdrawal process for paying out money from a storage as needed and withdrawing money of an amount coinciding with the transaction requested amount,
The remaining amount level is an indicator that indicates in which area the banknote storage area in the storage is divided into a plurality of areas,
The remaining amount level is set to money type,
Based on the comparison result of comparing the remaining amount level of money stored in each storage to the denomination, the remaining amount level of each denomination after withdrawal approaches a predetermined condition set in advance from before the withdrawal. A transaction control method for an automatic transaction apparatus, further comprising a withdrawal process adjustment step for adjusting a withdrawal process of the withdrawal processing means.

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