JPH0330197B2 - - Google Patents

Description

[Detailed Description of the Invention] (a) Technical Field of the Invention The present invention relates to a transaction operating device such as a cash handling device that is operated by a user to carry out a transaction, and in particular displays a payout amount according to the state of cash storage. The present invention relates to a transaction operation device that can perform transaction operations.

(b) Background of the technology In recent years, automatic cash dispensers (Cash Dispensers:
CD) and automatic cash dispensing machine (Automatic
Teller Machines (hereinafter referred to as ATMs) are widely used. These devices are normally operated using a credit card (hereinafter referred to as a card) or a bankbook to perform transactions such as cash withdrawals and deposits.

Its use is increasing due to its convenience, and the number of machines installed is also increasing, but once the cash held in the machine runs out of a certain denomination, the machine will stop operating, so it will have to continue using the remaining denominations. A method of operation is desired, and it is also desirable that the device be easy to use even by people who are not familiar with operating the buttons on the device.

(c) Conventional technology and problems The following describes the conventional method using ATM as an example.
This will be explained with reference to FIGS. 4 to 4. FIG. 1 is a perspective view illustrating an ATM to which the present invention is applied, FIG. 2 is a sectional view taken along line A-A in FIG. 1, and FIG.
FIG. 4, which is a partially broken sectional view taken along the line B--B in the figure, is an explanatory diagram of the conventional method.

As shown in Figure 1, an ATM has a card insertion slot 1 and a passbook insertion slot 2 arranged side by side at the top of the front of the machine, and below these on the left side of the panel is a bill slot 6 and a cash withdrawal slot 3. On the right side, there are arranged a keyboard 4 for specifying a transaction such as a deposit, inputting a PIN number, and the transaction amount, and a display 5 for displaying and guiding the customer with the details of the operation.

Inside the device, as shown in FIG. 2, behind the passbook insertion slot 2 and on the right side in the figure, there is a read/write unit 13a that reads and writes the magnetic stripe of the passbook 11, and a printer that prints transaction details on the passbook 11 and journal paper 20. A section 14 is provided.

In the center of the device, there is a discrimination section 21 that discriminates the authenticity and denomination (for example, 1000 yen, 5000 yen, 10000 yen) of the inserted banknotes 10, and below the discrimination section 21 there is a sorting pool section 22 that temporarily pools the banknotes 10. Identification Department 2
1, a control section 18 and a discrimination section 23 for discriminating the denomination of the banknotes 10 fed out from the alignment pool section 22 are arranged.

At the bottom of the device, there are provided storage boxes 24a to 24c in which banknotes 10 are stored by denomination, and a reject box 25 in which banknotes 10 are stored in case of a double feed or other defective feeding.

A mechanism for storing and feeding out banknotes 10 is provided at the upper part of the storage boxes 24a to 24c.

In addition, as shown in Fig. 3, the upper card insertion slot 1
At the rear of the card 17, on the right side in the figure, there is a read/write section 1 for reading and writing the magnetic stripe of the card 17.
3b and a printing unit 1 that prints the transaction details on the receipt.
5 is provided.

Since it has such a configuration, an example of the use of this device will be explained in the case of deposits and withdrawals.
First, when a customer wants to make a deposit, he or she presses the deposit button on the keyboard 4 to indicate his/her intention, then inserts the passbook 11 into the passbook insertion slot 2 according to the operation guidance displayed on the display 5, and the read/write section 13a reads the magnetic stripe on the back of the passbook. After the data is read and the account number is confirmed, the banknotes 10 are inserted into the banknote slot 6.

The device discriminates the authenticity of the banknotes 10 in a discrimination unit 8, returns abnormal banknotes to the cash dispensing port 3 via routes A to C shown by dotted lines in the figure, and sends genuine banknotes 10 to the pool unit 22 via route D. The coins are pooled with the front and back sides aligned, and the amount is counted and displayed on the display 5.

The customer confirms that the amount matches the input amount, presses the confirmation button on keyboard 4, and transfers passbook 1.
The deposit amount is printed on journal paper 20, the transaction details are printed on journal paper 20, and the paper is wound up into the device.The passbook 11 is returned from passbook insertion slot 2 and the transaction is completed. The banknotes 10 are fed out, and the denominations are discriminated again by the discrimination section 23 along routes E, F, B, G, and H, and then stored in the storage box 2.
4a to 24c are stored by denomination.

If an error such as a double feed occurs in the feeding of the feeding portion 22a, the banknote 10 is stored in the redirect box 25 through the route I.

Further, when the customer presses the deposit cancellation button, the dispensed banknotes 10 are returned to the cash dispensing port 3 via routes E, F, B, and C.

When making a deposit using the card 17 without using the passbook 11, a receipt is issued.

When paying out cash, press the payout button, insert the card 17 into the card slot 1, insert the passbook 11 into the passbook slot 2, enter the PIN number and the payout amount, and then press the payout button. As shown in the figure, when the amount confirmation button is pressed, the banknotes 10 are fed out by the feeding mechanism above the storage boxes 24a and 24b, and the banknotes 10 are fed out from the route J.
Bill 1 from cash dispensing port 3 via F, B and C
0 is paid out.

During this time, the card 17 is read and confirmed by the read/write unit 13b, and the transaction details are printed on the deposit 11 and the journal paper 20.
is wound up inside the device, and the passbook 11 is inserted into the passbook insertion slot 2.
will be returned from.

When the bankbook 11 is not inserted and the payment is made only with the card 17, a receipt is issued.

In such an ATM, the method for inputting the amount to be withdrawn is to operate the numeric button 4a and amount unit button 4b according to the number of digits, and the method differs depending on the model.
For example, when the price is 123,000 yen, the buttons are pressed as follows: 123,000 yen 123,000 yen 123,000 yen 123,000 yen.

However, with this method, it may take time to enter a fixed amount.

Elderly people and people who are unfamiliar with the equipment may be confused.

It is difficult for people with physical disabilities to input and operate the many buttons.

There is a drawback.

Therefore, there is a need for a method that is easy to operate and can quickly specify an amount.

Furthermore, this ATM uses the deposited banknotes 10 for dispensing money, thereby making effective use of cash. Therefore, when there are more withdrawals than deposits, any of the banknotes 10 in the storage boxes 24a to 24c may run out. That is, storage boxes 24a to 2
When any one of the banknotes 4c reaches the near end, the banknotes 10 are paused and notified, and the banknotes 10 are replenished. However, the payout amount can be a combination of each denomination, for example, in the case of 1000 yen, 10000 yen banknote x 1 5000 yen banknote x 2 pieces 5000 yen banknote x 1 piece + 1000 yen note x 5 pieces 1000 yen note x Since there are 10 combinations, even if one denomination runs out, you should be able to use another denomination.

However, in the conventional method, one of the above combinations is specified, and payout cannot be performed using other combinations.

(d) Purpose of the Invention The purpose of the present invention is to provide a transaction operation device that enables continuous operation by effectively utilizing the cash held when a specific denomination runs out, and also facilitates operations by users. It is on offer.

(e) Structure of the Invention The present invention provides a cash storage unit that stores cash of multiple denominations by denomination, a count storage unit that stores the number of cash stored in the cash storage unit by denomination, and a count value of the count storage unit. a determination means for determining a plurality of payable amounts based on a combination of denominations; an amount file for storing a plurality of payable amounts determined by the determination means in order of amount together with combinations of denominations; A display means for displaying a plurality of stored payable amounts on a screen-by-screen basis, and a plurality of display means provided corresponding to the display positions of the payable amounts displayed on the display means, from which the payable amounts can be selected and specified by the user. a specified input means, an extraction means for extracting from an amount file a combination of denominations of payable amounts selected and specified by the specified input means, and a combination of denominations of payable amounts extracted by the extraction means. This is a transaction operation device characterized by comprising: a cash sending means for sending out amounts by denomination from a cash storage section based on the above. Therefore, the counted value of the amount of each denomination held in the cash storage section is stored in the counting storage means, and the determining means determines the amount that can be paid out based on the combination of denominations from the counted value, and the denomination composition and payout are performed. Possible amounts are stored in an amount file, and the payable amounts are displayed on the display unit screen by screen, and when the user selects and instructs the desired amount using the specified input means, the extraction means extracts the corresponding payable amount from the amount file. By extracting the combination of denominations and dispensing the combination of denominations from the cash storage section using the cash dispensing means,
Even when a particular denomination runs out, the display of the payout amount automatically changes, making it possible to continue operating by effectively utilizing the cash held, and facilitating operations for the user.

(f) Embodiment of the invention Below, an embodiment of the invention will be explained as shown in FIGS. 5 and 6.
This will be explained with reference to FIGS. a to e and FIGS. 7 a to c. FIG. 5 is a block diagram showing an embodiment of the present invention, and FIGS. 6a to 6e and 7a to 7c are explanatory views of FIG. The same reference numerals indicate the same objects throughout the figures.

In FIG. 5, 26 is a computer center;
27 is a line control unit, 27a is a line buffer, 28
3 is a main control section, 29 is an encoder, 30 is a button input control section, 31 is a password input buffer, 32 is a changeover switch, 33 is a transaction mode storage register, 34 is an amount table section, 35 is an extended amount table section, 3
6 is a valid amount data determination section, 37 is an amount input buffer, 38 is a cash counter control section, 39 is a banknote accommodation state register, 40 is a keyboard, 49
50 is a screen buffer, 51 is a character generator, 52 is a screen data file section, and 53 is a printer control section.

The line control unit 27 controls data transmission and reception with the computer center 26.

The encoder 29 converts signals from hardware so that they can be read by software, and is an IC that converts numbers, letters, etc. input via buttons into bit codes.
It is a circuit.

The button input control section 30 has the function of controlling the changeover switch 32 that switches between the transaction mode storage register 33 and the amount table section 34 by button input, and also sends data to the amount input buffer 37.

The changeover switch 32 switches to the transaction storage register 33 when the input is made using the normal mode buttons such as payout, deposit, passbook entry, etc., and to the amount table section 34 when the input is made using the function key 48, and enters the batch input mode. This is the result.

The transaction mode storage register 33 stores transaction modes such as deposit, payout, and passbook entry, and has a function of activating the designated mode of the main control unit 28 when a mode is designated.

When the batch input mode is specified, the amount table section 34 pulls out a plurality of amount data from the extended amount table section 35 and inputs the data to the valid amount data determination section 36.
It has a function of filing the payable amount determined by the amount for one screen and then sending the filed amount table to the amount input buffer 37. It also has a function that every time an amount table switching command is input, the next amount data is extracted, the valid amount data judgment unit 36 judges it, the payable amount is stored in a file for one screen, and the file is sent to the amount input buffer 37. ing.

The expanded amount table section 35 stores multiple screens of amount tables in a file, and sequentially fills only the amount data that has been determined to be payable by the valid amount data determination section 36 into the amount table section 34 one screen at a time. It has a sending function. The plurality of set amounts in the amount table increase in sequence from screen to screen.

The valid amount data determining section 36 has a function of determining whether or not the amount data sent from the expanded amount table section 35 can be paid out based on the data sent from the banknote accommodation state register 39. That is, if the count data of the banknote accommodation state register 39 indicates that, for example, the lowest denomination of 1,000 yen banknotes has been exhausted and the number becomes 0, it is determined that it is possible to pay out amount data up to 5,000 yen units since it is not possible to pay out units of 1,000 units. do.
Needless to say, when it becomes possible to pay out in units of 1000 yen by depositing money or replenishing banknotes, the count data of the banknote accommodation state register 39 changes to the number that can be paid out. Furthermore, when the maximum amount of 10,000 yen banknotes runs out, it is possible to pay out two 5,000 yen banknotes, for example.

The amount input buffer 37 has the function of temporarily holding the amount data input via the button or the amount data sent from the amount table section 34 and sending it to the main control section 25.

The cash counter control unit 38 controls the storage box 24.
It controls the cash counter 38a that counts the number of banknotes 10 of each denomination stored and drives the banknote feeding mechanisms a to 24c, and sends the data of the cash counter 38a to the banknote storage status register 39. It has a sending function.

The banknote accommodation state register 39 has a function of holding count data of the banknotes 10 for each denomination counted by the cash counter 38a and sending it to the valid amount data determining section 36.

With such a configuration and function, in the case of a normal payout, when the PIN stored in the PIN input buffer 31 is verified by the customer's operation of the payout button, card input, and PIN input operation,
The changeover switch 32 is placed in the normal mode, and the payout mode of the transaction mode storage register 33 is designated.

When the payout mode signal is sent to the main control unit 28, the screen control unit 49 pulls out screen data according to the corresponding screen number from the screen data file unit 52, and the screen buffer 50 pulls out characters from the character file of the character generator 51. Operation guidance is displayed on the display 5.

When the customer inputs the amount, the amount data is sent from the button input control section 30 to the main control section 28 via the amount input buffer 37, and then the screen control section 49 sends the character file of the character generator 51 to the screen buffer 50. When you withdraw money, the amount will be displayed on the display 5.

When the customer presses the confirmation button, the main control section 28 sends the transaction data on the line buffer 27a to the computer center 26 via the line control section 27.

Through communication with the computer center 26, the password in the password input buffer 49 is verified against the registered password and transaction processing is performed.

When receiving a transaction completion message from the computer center 26 via the line control section 27, the main control section 28 instructs the cash counter control section 38 to dispense a designated amount of banknotes 10 from the storage boxes 24a to 24c and to draw them out from the cash dispensing slot. It will be paid out on 3rd.

At the same time, the printer control unit 53 is instructed to print the passbook 11.
Alternatively, receipts and journals are printed.

Then, when the cash is paid out together with the receipt and the card 17 and passbook 11 are returned, the amount displayed on the display 5 disappears and the transaction is completed.

Further, in the batch input mode, that is, when specifying the payout amount using the amount table and making a payout, the customer first presses the function key 48. By inputting the card and inputting the password, the password held in the password input buffer 31 is verified.
When the verification is completed, the changeover switch 32 is switched to extract the amount data from the extended amount table section 35 and send it to the valid amount data determination section 36.

The valid amount data determining section 36 determines whether or not the amount data can be paid out based on the data sent from the banknote accommodation state register 39, and sends only payable amount data to the amount data file section 34.

When the amount data for one screen is held in the amount data file section 34, it is sent to the amount input buffer 37 and further sent to the main control section 28.

The amount data sent from the main control unit 28 is
The screen control unit 49 causes the screen buffer 50 to draw out the character file of the character generator 51, and for example, five types of amounts are displayed on the display 5 as shown in FIG. 6a.

The customer selects the desired amount from among these, and presses the function key 4 located next to that amount.
Press any one from 1 to 46. Then, through communication with the computer center 26, the password in the password input buffer 31 is verified against the registered password and transaction processing is performed. Only the specified amount will be displayed, and all other amounts will disappear.

If the desired amount is not displayed on this display screen, the function key 46 for switching the screen is operated. Then, the amount data from the extended amount table section 35 is determined by the valid amount data determining section 36, and the amount data of the payable amount is sent to the amount data file section 34. When the amount data for one screen is held in the amount display file section 34, it is sent out and the display on the display 5 is switched as shown in FIG. 6b. Select the desired payout amount from this amount file. If the desired payout amount is not reached, the function key 46 is further pressed to switch to and select the next display, as shown in FIG. 6c. The figure shows an example in which 25,000 yen is selected.

Then, the main control section 28 instructs the cash counter control section 38 to pay out the designated amount of banknotes 10 from the storage boxes 24a to 24c, and
will be paid out.

At the same time, the printer control unit 53 is instructed to print the passbook 11.
Alternatively, the receipt and journal are printed.

Cash was paid out along with the receipt, and card 17
When the passbook 11 is returned, the amount displayed on the display 5 disappears and the transaction ends. If Fig. 6c
If the desired payout amount is not reached, the display is further switched sequentially to the displays shown in FIGS. 6d and 6e for selection.

In this way, you can select the desired payout amount on the screen with a simple operation, and also use the function key 4.
The screen display can be switched by the operation 6.

Furthermore, when the banknotes 10 of any denomination stored in the storage boxes 24a to 24c are exhausted, the amount that can be paid out without using the exhausted banknotes 10 is displayed immediately without stopping the operation of the device. operations can be continued.

Also, the display 5 will show, excluding the amount that cannot be paid out, as shown in Figures 7a to 7c, for example, when the 1000 yen banknote runs out, 5000 yen will be displayed.
Since only the payout amount in yen units is sequentially reduced, the number of switching times when selecting the desired payout amount can be minimized.

In the above embodiment, the display area 47 in FIG. 6a is only used to display the amount in the normal withdrawal mode, but it may also be used as a display area for inputting the amount in the batch input mode.

In this case, a means for calculating the amount specified in the batch input mode may be provided on the input side of the amount input buffer 37, and when multiple amounts are input, they may be added together to form the transaction amount data. .

This allows an amount other than the amount displayed in the batch input mode to be input simply by displaying the batch input mode.

Further, according to the embodiment, since the display 5 for operation guidance is used to display the amount for the batch input mode, there is no need to add any special keys other than the numeric keypad.

Further, in the above example, the case of an ATM was explained, but it can be similarly applied to the case of an automatic teller machine. In this case, immediately after one transaction is completed, the next payout amount can be stored in the amount data file 34 for one screen, so that it can be displayed and output immediately when the batch input mode is specified. .

(g) Effects of the Invention As explained above, according to the present invention, the payable amount can be displayed on the screen in order of amount, so even when any denomination in the bill storage section is exhausted, the device can be stopped immediately. You can effectively utilize the remaining cash and continue operating without having to do so.

By switching screens, users can quickly specify the desired amount with a single touch.

It can be easily operated by elderly people or people who are not familiar with the device without any confusion, and even by physically disabled people without putting the burden of operating many buttons.

There is an effect.

[Brief explanation of drawings]

Fig. 1 is a perspective view illustrating an ATM to which the present invention is applied, Fig. 2 is a sectional view taken along line A-A in Fig. 1, and Fig. 3 is a portion taken along line B-B in Fig. 1. 4 is an explanatory diagram of the conventional method; 5
The figure is a block diagram showing an embodiment according to the present invention.
Figures a to e and Figures 7 a to c are explanatory diagrams of Figure 5. The same reference numerals indicate the same objects throughout the figures. In the figure, 4 and 40 are keyboards, 5 is a display, 10 is a banknote, 28 is a main control unit, 29 is an encoder, 30 is a button input control unit, 31 is a password input buffer, 32 is a changeover switch, and 33 is a transaction mode storage Register, 34, amount table section, 3
5 is an expanded amount table section, 36 is a valid amount data determination section, 37 is an amount input buffer, 38 is a cash counter control section, 38a is a cash counter, 39 is a banknote accommodation state register, 40 is a keyboard, and 41 to 48 are Indicates a function key.

Claims (1)

[Scope of Claims] 1. A cash storage unit that stores cash of multiple denominations by denomination, a count storage unit that stores the number of cash stored in the cash storage unit by denomination, and a count value of the count storage unit. a determination means for determining a plurality of payable amounts based on a combination of denominations; an amount file for storing a plurality of payable amounts determined by the determination means in order of amount together with the combination of denominations; A display means for displaying a plurality of payable amounts stored in a file on a screen-by-screen basis, and a display means provided corresponding to the display positions of the payable amounts displayed on the display means, so that the user can select the payable amounts. a plurality of designated input means; an extraction means for extracting from the amount file a combination of denominations of payable amounts selected and designated by the designated input means; and a payout extracted by the extraction means. A transaction operation device comprising: cash sending means for sending out amounts by denomination from the cash storage section based on a combination of denominations of possible amounts.