JPS63262788A - Automatic exchanger - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application This invention relates to an automatic currency exchange device that converts cash input by a customer into cash of any denomination set by the customer and withdraws the money.

(b) Conventional technology Currently, automatic currency exchange devices operated by banks and other financial institutions provide currency exchange services for free, but in the future there is a trend toward charging a fee for this currency exchange service. An automatic currency exchange device has been proposed in which a device for receiving a fee is provided in the main body of the automatic currency exchange device to automatically collect the fee and perform automatic currency exchange operations.

(C) Problems that the invention attempts to solve Therefore, it may be preferable to make exchange operations free of charge.

SUMMARY OF THE INVENTION An object of the present invention is to provide an automatic currency exchange device that provides currency exchange services free of charge to customers whose number of currency exchange transactions or cumulative amount of currency exchange fee payments exceeds a certain level.

Means for Solving FD1 Problems This invention provides an automatic currency exchange device that converts cash input by a customer into cash of any denomination set by the customer and withdraws the money. A card reader that accepts the card, a fee receiving port that receives the exchange fee, and a card reader that accepts the card when the number of exchange transactions or the cumulative amount of exchange fee payments read by the card reader is less than a certain amount. In some cases, means for setting a paid mode and waiting for a certain exchange fee to be input into the fee receiving account to enable the exchange operation; an addition means for adding 1 to a recording area or adding a predetermined fee to a recording area for the cumulative exchange fee payment amount; means for setting the free mode and immediately validating the exchange operation when the exchange rate is more than 100%.

(e) Function In the automatic currency exchange device according to the present invention, when a customer wishes to use the automatic currency exchange device, he or she inserts a card. This card records the number of currency exchange transactions or the cumulative amount of currency exchange fee payments. The automatic currency exchange device reads the card data and determines whether the number of currency exchange transactions or the cumulative amount of currency exchange fee payments is greater than or equal to a predetermined value.

If the size exceeds a certain level, the normally set paid mode is canceled and the free mode is set. In other words, control is performed so that the exchange operation can be performed immediately. On the other hand, if the number of currency exchange transactions or the cumulative amount of currency exchange fee payments is less than a certain level when reading the card data, wait for a certain amount of currency exchange fees to be charged to the fee receiving account before enabling the currency exchange operation. do. In other words, a normal paid exchange operation is performed. Furthermore, when performing currency exchange operations in this paid mode, the number of currency exchange transactions recorded on the card is increased by one and rewritten, or the cumulative amount of exchange fee payments recorded on the card is increased by a certain value and the number of exchange transactions recorded on the card is increased by a certain value. Rewrite. For this reason, each time you perform a currency exchange transaction in paid mode, the number of currency exchange transactions or the cumulative amount of currency exchange fee payments recorded on the card will increase, and when the number of currency exchange transactions or the cumulative amount of currency exchange fees paid reaches a certain value, the amount will be automatically changed. It will be set to free mode and you will be able to exchange money for free.

(flEmbodiment FIG. 2 is an external view of an automatic currency exchange device which is an embodiment of the present invention.

There is a handling display 1 on the front vertical panel of the automatic exchange device.
, an amount display/setting section 2, a display 3, and a cardholder exit 8. In addition, the horizontal panel allows you to insert banknotes and
A receiving slot 4, a cylindrical coin receiving slot 5, a coin receiving slot 6, and a fee receiving lower part are provided, respectively. Furthermore, a coin return opening 9 from which change is dispensed is provided at the lower front of the main body.

The transaction indicator 1 displays the transaction status when the automatic currency exchange device is in operation. The amount display/setting section 2 includes a key for setting a denomination pattern of the amount to be exchanged, and displays the set pattern by denomination. The display 3 displays the total amount of banknotes deposited, a guidance message to the customer, and the like. Card person exit 8 accepts the card inserted by the customer. Bills to be exchanged are inserted into the bill insertion/receiving slot 4, and the exchanged bills are fed out from a cartridge (not shown) and discharged.

Tube coin receiving slot 5. The exchanged tube coins and coins are discharged into the coin receiving slot 6, respectively. The fee receiving loa receives coins as a fee when the exchange service is performed for a fee (paid mode).

In the paid mode, the currency exchange operation is enabled after a certain amount of fees (coins) are inserted into the fee receiving loa.

FIG. 3 is a block diagram of the automatic currency exchange device. CPU
ROMII, RAM 12, and input/output interface 13 are connected to l0, and input/output interface 1
3 includes a card reader 14, an amount display/setting device 15,
Display device 16, banknote processing device 17, coin processing device 18,
A fee processing device 19 and a journal printer 20 are connected. The card reader 14 is the card reader exit 8
The number of exchange transactions stored in the card inserted into the card is read out and passed to the input/output interface 13. Amount display/
The setting device 15 controls the amount display/setting section 2. Display device 16 controls display device 3 . The banknote processing device 17 controls the banknote input/receipt slot 4 to read and store the banknotes inserted therein, and to feed and discharge the banknotes from a banknote cartridge (not shown) as a payout banknote. The coin processing device 18 controls the cylindrical coin receiving port 5 and the coin receiving port 6,
Control is performed to feed and release coins to be withdrawn from a coin cartridge (not shown). The fee processing device 19 counts the fees (coins) inserted into the fee receiving lower, stores the coins, processes change, and returns the coins.

FIG. 4(A) shows the format of the card inserted into the cardholder exit 8. The card is composed of a magnetic card such as a bank cash card, and the recording format is almost the same as that of a cash card as shown in the figure. In other words, the PIN code, bank code, branch code, and account number are recorded in the same format as the cash card. The difference is that there is a recording area for the number of currency exchange transactions. This number of exchange transactions is updated every time an exchange transaction is performed in paid mode. In other words, information indicating how many currency exchange transactions have been performed in paid mode up to now is recorded.

As will be described later, if the number of exchange transactions reaches a certain value, the exchange operation to be performed at that time is set to free mode.

FIG. 4(B) shows a portion of the RAM 12.

As shown in the figure, a storage area for card data, a storage area for fees, a storage area for input amounts, a storage area for currency exchange patterns, a work area, etc. are allocated on the RAM, and a storage area MA for the number of currency exchange transactions is also provided. . The number of currency exchange transactions in the card data is transferred to this area MA, and addition processing and the like are performed.

Next, the operation of the automatic currency exchange device will be explained with reference to FIG.

First, in the idle state, it is determined whether the operation mode is a mode in which a card is used or a mode in which a card is not used.

When the card is not used, the card is immediately set to the pay mode as described later, and the exchange operation is performed after receiving the fee.

When a card is inserted into the cardholder exit 8, the mode is automatically set to use the card. When a card is inserted, it is determined whether the card is correct (n2), and if it is incorrect, the card is returned and the original idle state returns.

Note that at this time, the password code may be verified in the same way as with ATMs, CDs, etc. If it is the correct card,
The card data is read out and stored in the card data storage area of the RAM, and the number of exchange transactions in the card data is transferred to the area MA (n4). And area MA
In other words, it is determined whether the number of exchange transactions is 10 or more or less than 10. If n5L is less than 10, the paid mode is set in n6. Also, if it is 10 times or more, set the free mode with n7. When the paid mode is set, the fee will be deposited (n8
). That is, a message is displayed on the display 3 asking for a coin to be inserted as a fee, and the operator waits for a certain amount of fee (coin) to be inserted into the fee receiving lower, and then the fee processing device 19 processes the inserted coin. And area M in nlo
Add 1 to the content of A.

In other words, the number of currency exchange transactions is increased by one. On the other hand, when the free mode is set on n7, the contents of MA are cleared on n9.

n9. When the nlo operation is completed, the exchange operation proceeds to n20 and below. First, wait for the bill to be exchanged to be inserted into the bill insertion/receipt slot 4, and when the bill is inserted (n20)
, the process moves on to the exchange pattern setting operation (n21). That is, an exchange pattern is set by the customer in the amount display/setting section 2, and the set exchange pattern is stored in a predetermined area of the RAM 12. Then, exchange processing is performed to match the exchange pattern (n22). When the exchange process is completed, it is determined whether the mode is with a card or without a card, and if the mode is with a card, the card data is rewritten. That is, the contents of the area MA are recorded on the card as a new number of exchange transactions. Then, the card is returned, and finally the cash is released (n26') and the process ends.

With the above operation, when performing an exchange operation, first determine the number of exchange transactions recorded on the card, and if the number of exchange transactions is greater than a certain value, you can immediately set the free mode and perform the exchange operation. become.

If the number of exchange transactions is less than a certain value, the mode is set to a paid mode, and after receiving the commission, the exchange operation is started. Furthermore, when in this paid mode, the number of exchange transactions recorded on the card increases by one. Therefore, in the illustrated example, if the customer performs 10 consecutive paid exchange transactions, the 11th exchange transaction will be free of charge. However, since the area MA is cleared in n9, the mode becomes paid mode again from the 12th time onwards. Of course, it is also possible to set the number of free visits not only once but multiple times.

Further, in the above embodiment, the number of currency exchange transactions is shown as the information recorded on the card, but the cumulative amount of currency exchange fee payments may be used instead. In other words, the cumulative amount of exchange fees paid in paid mode may be recorded. In this case, the determination in n5 above is based on the cumulative exchange fee payment amount recorded on the card.According to the present invention, for each currency exchange operation, the number of exchange transactions or the cumulative amount of exchange fee payments recorded on the card is We provide a free exchange service to customers who make a large number of transactions in order to determine whether the size is above a certain value or not, and if the size is above a certain value, set the exchange operation to free mode. can do.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the operation of an automatic currency exchange device according to an embodiment of the present invention. FIG. 2 is an external view of the automatic currency exchange device, FIG. 3 is a block diagram, FIGS. 4(A) and 4(B) are diagrams showing the format of a card, and a diagram showing a part of the RAM.

Claims (1)

[Claims] (1) An automatic currency exchange device that converts cash input by a customer into cash of any denomination set by the customer and withdraws the money, which has a card that can record the number of currency exchange transactions or the cumulative amount of exchange fee payments; A card reader that accepts the card, a fee receiving port that receives the exchange fee, and a paid mode is set when the number of exchange transactions or the cumulative amount of exchange fee payments read by the card reader is less than a certain value. means for enabling the exchange operation by waiting for a certain exchange fee to be deposited into the fee receiving account; and adding 1 to the recording area for the number of exchange transactions each time an exchange operation is performed in the paid mode; an addition means for adding a predetermined fee to a recording area for the cumulative amount of currency exchange fees paid; and a free mode when the number of currency exchange transactions read by the card reader or the cumulative amount of currency exchange fees paid is a certain amount or more. An automatic currency exchange device comprising: a means for setting and immediately validating the exchange operation;