JPH0821092B2 - Automatic withdrawal money changer - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application The present invention relates to an automatic withdrawal money changer capable of processing both withdrawal transactions and currency exchange transactions.

(B) Outline of the Invention The automatic withdrawal money changer according to the present invention permits the input of cash and the withdrawal of deposit in one transaction, and the setting of the exchange pattern for the total amount. As a result, it is possible to set an arbitrary exchange pattern even when the money is small.

(C) Conventional technology A conventional automatic money changer (AE) was a device that exchanges the input cash into a designated denomination and discharges it. For this reason, if you want to convert the cash dispensed from your deposit account into small banknotes or coins, operate the ATM (automatic deposit / withdrawal device) or CD (automatic dispenser) to make a withdrawal transaction, then re-automatically. I had to operate a money changer to exchange money. Also, since many automatic transaction processing devices cannot be installed in small stores, transaction types that can be handled by single-function devices such as automatic money changers and CDs are limited, which is inconvenient for users. There was a problem.

In order to solve these problems, a single device has an automatic withdrawal and money exchanging machine (AED: Automati
c Exchanger and Dispenser) was put to practical use. This automatic withdrawal money changer is connected to the center by a line like ATM and CD, and has a withdrawal function from a deposit account as well as an exchange function to exchange high-value banknotes into small cash. is there.

(D) Problems to be Solved by the Invention However, even with this device, in one transaction, either one of the inserted cash (exchange transaction) and the amount withdrawn from the deposit account (withdrawal exchange transaction) is exchanged. However, the cash brought by the customer and the withdrawn deposit could not be exchanged at the same time. For this reason, if the customer wants to exchange money he or she desires,
There was a problem that a transaction (withdrawal transaction → currency exchange transaction) had to be performed once.

In view of such problems, an object of the present invention is to provide an automatic withdrawal changer capable of exchanging both the cash on hand and the amount withdrawn from a deposit account.

(E) Means for Solving Problems The present invention sets a first accepting means for accepting one of a cash input and a withdrawal from a deposit account, and a currency exchange pattern consisting of currency type and quantity. The exchange pattern setting means, a comparing means for comparing the total amount of the exchange pattern set by the exchange pattern setting means with the amount of money received by the first receiving means, and the comparing means have a larger total amount of the exchange pattern. When it is determined that the other of the cash input or the withdrawal from the deposit account is accepted, and the amount accepted by the first acceptance means and the second acceptance means is used to exchange the exchange pattern. And a discharging means for discharging.

(F) Operation In the automatic withdrawal money changer of the present invention, first, one of the input of cash and the withdrawal from the deposit account is accepted, and the exchange pattern is set for the accepted amount. The total amount of the set exchange pattern and the received amount are compared, and if the same amount or the received amount is larger, the currency exchange is executed, and if there is a remaining amount, it is released with an appropriate denomination. If the total amount of money in the exchange pattern is larger, the customer's desired exchange cannot be performed. Therefore, the shortage amount is accepted from the other (the one that was not accepted first) of the cash insertion or the withdrawal from the deposit account. As a result, the set exchange pattern is exchanged and discharged.

Accordingly, even if the total amount of money in the currency exchange pattern is not accurately calculated in advance, it is possible to execute currency exchange in the desired currency exchange pattern using both the inserted cash and the withdrawn deposit.

(G) Embodiment FIG. 2 is an external view of an automatic dispensing machine according to an embodiment of the present invention. This automatic withdrawal machine can handle withdrawal and exchange transactions. A vertical panel and a horizontal panel of a customer operation panel are provided on the front surface of the automatic dispensing machine. On the vertical panel, a handling indicator 1 for displaying the handling during the operation of the apparatus, an operation mode indicator 2 for displaying the types of transactions that can be handled, and an amount display / setting for displaying the inserted amount, money exchange type, etc. A section 3 and a card entrance 4 into which a bank card is inserted are provided. Further, on the horizontal panel surface, a bill insertion / reception opening 5 from which bills to be exchanged are inserted and bills to be withdrawn are discharged, an operation guide plate 6 on which operation guidance is posted, a personal identification number, a withdrawal amount, etc. Numeric keypad 7 for entering, transaction type (exchange, withdrawal, balance inquiry,
A transaction selection key 8 for selecting partial exchange withdrawal, exchange withdrawal), a tubular coin receiving port 9 through which tubular coins are ejected, and a coin receiving port 10 through which loose coins are ejected are provided.

When a customer makes a currency exchange transaction with this device, first, the currency exchange transaction is selected by the transaction selection key 8. At this time, it is optional for the customer to insert the bank card into the card entrance / exit 4 and to be authenticated (in the case of paying money changer, the charge is free). After this, cash is thrown in to set the exchange pattern. If the set exchange pattern is within the deposit amount, the device releases the cash / voucher to end the transaction, and if the set exchange pattern exceeds the deposit amount, the customer's deposit account is charged with the shortfall. Withdraw money and apply this to the exchange amount to exchange money.

FIG. 3 is a block diagram of a control unit of the automatic dispensing machine. A CPU 20 for centrally controlling the operation of the apparatus has a ROM 21 in which a control program and the like are stored, and a RAM in which data and the like are stored.
22 and an interface 23 for communicating with the operating unit are connected. The interface 23 includes a customer service display unit 24 that controls the display and key input of the amount display / setting unit 3, a banknote processing unit 25 that processes deposit and withdrawal of banknotes, a coin processing unit 26 that controls the discharge of loose coins, and a cylinder coin Cylinder coin processing unit 27 that controls the ejection, card read control unit 2 that controls the card reader
8. A slip processing unit 29 for printing slips and journals, a floppy disk control unit 30 for reading and writing the floppy disk 31, and a communication control unit 32 for communicating with the center 33.
Is connected.

FIG. 1 is a flow chart showing the exchange transaction processing operation of the automatic withdrawal exchange machine. This operation starts when a currency exchange transaction is selected with the transaction selection key 8. It is up to the customer to insert the card before this operation. When n1 displays a message prompting cash input and cash is input (n2)
Accepts exchange pattern settings (n3, n4). When a currency exchange pattern is set (n4), the currency exchange pattern is compared with the input amount (n5). If the input amount is greater than or equal to the exchange pattern amount (if the exchange amount is larger, the unset amount is released with the minimum number of cash.) The set exchange pattern cash is withdrawn to the temporary store section. Store (n6) and create journal (n7). If the card is inserted, return the card (n8, n9) and print the statement sheet.
After releasing (n10, n11), the stored cash is released (n12) to finish the operation.

On the other hand, when the set exchange pattern exceeds the amount of money to be inserted, a message to that effect is displayed (n13), and an input as to whether or not to redo the setting is accepted. (N14) If the customer wants this exchange pattern, confirm that the card is inserted (n15), and if the card is not inserted, accept the card insertion and PIN input (n16). ,
n17, n18) Request the withdrawal of the shortfall from the host computer (n19). When the payment permission reply is received from the host (n20), the cash withdrawal of the set exchange pattern (n
21) and make a record in the journal of the withdrawal (n2
2) After sending transaction data to the host computer, proceed to (n23) n8.

Also, when a reply of disapproval of withdrawal is received from the host computer, it is displayed that the set exchange pattern is insufficient (n24), and a statement slip and journal are created (n25). , The card is returned, the statement slip is released, and the deposit amount is returned (n26, n27, n28, n29), and then the operation is completed.

n2 corresponds to the first reception means of the present invention. n4 corresponds to the exchange pattern setting means of the present invention. n5 corresponds to the comparison means of the present invention. n19 corresponds to the second reception means of the present invention. n12 corresponds to the discharging means of the present invention.

In this embodiment, the cash input is accepted at the beginning of the transaction, and the deposit is withdrawn when the amount of the exchange pattern exceeds the input amount, but both the cash input and the deposit withdrawal are performed first. May be accepted. Further, the withdrawal of the deposit may be accepted in the reverse order of this embodiment, and the cash deposit may be accepted when there is a shortage.

(H) Effect of the Invention As described above, according to the automatic withdrawal money changer of the present invention, when the amount due to either cash input or withdrawal from the deposit account is insufficient for the total amount of the exchange pattern, the cash By accepting the other of the input or the withdrawal from the deposit account, it is possible to easily exchange an arbitrary amount of money that does not depend on the amount of cash in hand. As a result, the operation of the customer can be simplified and the service can be improved, and the time for one customer to monopolize the device can be shortened and the operation efficiency of the automatic withdrawal changer can be improved.

[Brief description of drawings]

FIG. 1 is a flow chart showing an exchange transaction processing operation of an automatic withdrawal exchange machine according to an embodiment of the present invention, FIGS. 2 and 3.
FIG. 1 is an external view of the same automatic withdrawal money changer and a block diagram of a control unit.

Claims (1)

[Claims] 1. A first accepting means for accepting one of a cash input and a withdrawal from a deposit account, a currency exchange pattern setting means for setting a currency exchange pattern consisting of a currency exchange type and its amount, and the currency exchange pattern setting. Comparing means for comparing the total amount of money in the exchange pattern set by the means with the amount of money accepted by the first accepting means; and when the comparing means determines that the total amount of money in the currency exchange pattern is greater, A second accepting means for accepting the other of the withdrawals from the deposit account, and a releasing means for exchanging and exchanging the currency exchange pattern with the money amount accepted by the first accepting means and the second accepting means. An automatic withdrawal money changer.