JP2002312837A - Automatic transaction method, exchange device, and article vending device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction method, an exchange device, and an article vending device which can lessen the trouble and metal burden of transaction operation and value payment on a customer, etc. SOLUTION: When the customer inputs transaction information S1, a transaction amount generated accompanying transaction processing including the value of an article is computed S2. The transaction amount is decomposed through predetermined operation into a 1st amount which does not include a fraction and is close to the value of the article and a 2nd amount which is the amount of the fraction obtained by subtracting the 1st amount from the transaction amount S3 and S4. A money collecting means for withdrawal from a prepaid card or cash card is determined among prepared money collecting means S5. The 2nd amount is collected by the determined money collecting means and the 1st amount is collected by a money collecting means by gold note reception S6, so that the article is provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for paying money mainly by cash or a ticket such as a ticket and issuing predetermined goods such as cash exchange, issuance of a stamp or commuter pass, and sale or lending of other goods. The present invention relates to an automatic transaction provided to a customer, for example, an automatic transaction method, a currency exchange device, and a product sales device that are used for transactions in which a fraction is generated with an additional cost such as a fee or a tax in addition to a product price. .

[0002]

2. Description of the Related Art Financial institutions are equipped with an automatic transaction apparatus which can perform transactions such as payment, deposit, foreign exchange transfer, currency exchange, and the like by a customer's own operation for the purpose of speeding up transactions and saving labor. The installation of a device for executing a desired transaction or providing a product or the like by the operation of the customer himself is not limited to a financial institution,
It is performed in various industries, and examples of this type of device include a commuter pass issuing device and a vending machine.
The operation time zone of the above-described apparatus is not limited to a limited time such as during business hours for the purpose of improving customer service and the like, but may be extended to after business hours and on holidays.

In some cases, taxes such as commissions and consumption taxes are collected for the above transactions and customer services. In order to cope with such transactions, for example, there is an automatic transaction device which enables collection of a fee.
No. 043 discloses the technique.

[0004]

In current financial institutions, there are transactions in which fees are not collected or transactions which are not collected during a predetermined time period such as during business. In the future, there will be a tendency to charge services by collecting fees etc. in order to improve profits, and the same applies to the general service industry.

[0005] In the above-described apparatus, when a customer puts cash or the like in an amount corresponding to a commission (and, if necessary, a tax, etc.) in addition to the amount corresponding to the offer price of the desired product itself, The customer must be conscious of the commission amount and the like for each transaction, and must perform the addition calculation, which is troublesome. In addition, since the commission amount and tax amount are generally small in comparison with the offered price of the product itself, customers also need to prepare various types of coins in addition to banknotes, for example. is there. In collecting the commission, it is considered that the financial institution determines an appropriate commission collection method in consideration of the balance between the profit of the financial institution and the loss of the customer due to the burden of the commission.

As a result, diversification, rather than uniformity,
That is, it is considered that various conditions are set in consideration of the consistency with the existing collection method, the circumstances that led to the collection of the fee, the customer differentiation strategy, and the like. Further, as described above, since the apparatus operating time zone is expanding in the future, it is important to reduce the chances of waiting for customers and dispatching maintenance personnel as early as possible even when a failure occurs in the apparatus.

[0007] The present invention has been made in view of the above-described circumstances, reduces the burden of dealing with customers and the psychological burden, and enables the customer to wait on standby and to maintain maintenance staff even if a failure occurs. It is an object to provide a device that can reduce the chance of being dispatched.

[0008]

Means for Solving the Problems In order to solve such problems, the present invention has been made as follows. That is, in a device that performs a predetermined transaction process based on the input transaction information, collects predetermined money related to the transaction process, takes out the product, and provides the customer with the product, a money collecting unit by receiving a voucher, A money collecting means for debiting from a prepaid card or a cash card is prepared.
Further, a transaction amount calculating means for calculating a transaction amount generated in accordance with the transaction processing including the price of the product, and a predetermined value is applied to the above-mentioned transaction amount to obtain a price closer to the price of the product without including a fraction. From the first amount and the transaction amount, the first
And a determining means for determining a money collecting means for debiting the above-mentioned prepaid card or cash card. Then, the money collecting means determined by the determining means collects money corresponding to the second amount, and the money collecting means based on receipt of the voucher collects money corresponding to the first amount.

[0009] Also, if the product provision state determining means for determining whether or not the product provision to the customer has been normally performed, and if the product provision state determining means determines that the product provision has not been performed normally, the product provision is performed again. And a storage means for storing information for enabling the information in a predetermined manner.

[0010] Also, a note voucher received and unpaid information retrieving means for retrieving the information stored by the above-mentioned storage means, and whether or not the voucher has been received based on the information retrieved by the voucher collected and received unpaid information retrieving means. If it is determined that the voucher has been received and received by the voucher receipt / unpaid determination unit and the voucher has been received / received, the information on the received voucher is retrieved based on the information stored in the storage unit. And means for taking out received money voucher information.
Then, the merchandise is provided based on the information on the received voucher extracted by the received voucher information extracting means.

[0011]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is an explanatory diagram of an embodiment of the present invention, FIG. 2 is a system configuration example, FIG. 3 is a hardware configuration diagram of a currency exchange device, FIG. 4 is a hardware configuration diagram of a host computer, FIG. 6
FIG. 7 is a flowchart of the exchange transaction processing (part 1), FIG. 7 is a flowchart of the exchange transaction processing (part 2), FIG. 8 is a flowchart of the exchange transaction processing (part 3), FIG. 9 is a flowchart of the fee collection processing, and FIG. 11 is a flowchart of the merchandise selling process (No. 1), FIG. 12 is a flowchart of the merchandise selling process (No. 2), FIG. 13 is a flowchart of the merchandise selling process (No. 3), and FIG. FIG. 15 shows an example of information in a cash card.

FIG. 3 shows an example of a hardware configuration of a currency exchange apparatus to which the present invention is applied. Reference numeral 1 denotes a currency exchange device installed in each branch of a bank. Reference numeral 3 denotes a terminal control device (hereinafter, referred to as “TC”) installed in the same branch as the exchange device 1 and is connected to the exchange device 1. The exchange device 1 includes a processor 101, a memory 102, a flexible disk device 103, a communication control unit 104, a disk (hereinafter, referred to as “DK”) control unit 105, a DK 106,
It comprises a keyboard 107, a display unit 108, a printing unit 109, a card reading unit 110, a cash processing unit 111, a timer 112, and the like. The cash processing unit 111 includes a cash counting unit 111a, a cash releasing unit 111b, and the like.

FIG. 4 shows an example of a hardware configuration of a host computer (hereinafter referred to as "HOST") 2 to which the present invention is applied. The HOST 2 is installed, for example, in an office center and is connected to the TC 3 via the line 4. HOST2 includes a processor 201, a memory 202,
Communication control unit 203, disk (DK) control unit 204, D
K205, input unit 206, display unit 207, terminal control unit 2
08 and a timer 209.

In the present embodiment, a currency exchange device 1 installed in a financial institution's office is used first to carry out a so-called currency exchange transaction in which cash is used as a voucher and cash is also used as a provided product. A description will be given assuming that the present invention is applied to the device, and then a process of selling or renting a product to a customer using cash or a ticket such as a ticket will be described. Of course, the application of the present invention is not limited to transactions, systems, and devices described later.

For a substantial part of the processing described below, the processor 101 or the like decodes and executes a program stored in the memory 102 or the like.
However, the present invention is not limited to this, and is configured such that all or a part of the processing executed by the processor 101 or the like is executed by a plurality of processors, or has a specific wiring specially designed to perform the processing. It may be constituted by a circuit or the like.

An outline of the present invention will be described mainly with reference to FIG. When the customer inputs transaction information such as transaction selection information, product type, quantity, and the like (step S1), the transaction amount including the price of the product and generated in the transaction process is calculated (step S2). That is, the transaction amount is an amount obtained by adding, for example, a commission amount and a tax amount to the amount corresponding to the price of the product.

Next, a predetermined calculation is performed on the transaction amount to obtain a first amount that is close to the price of the product and a second amount that is the amount obtained by subtracting the first amount from the transaction amount. (Steps S3 and S4). As an example of disassembly, for example, a fraction of the transaction amount (for example, an amount less than 1,000 yen when the transaction amount is 1000 yen or more) is set as the second amount, and the remaining amount not including the fraction is set as the first amount. Of course, either the first amount or the second amount may be obtained first, and as a result, it is only necessary that the sum of the two amounts matches the transaction amount.

Next, from among the money collecting means prepared in advance, a money collecting means for debiting the prepaid card or the cash card is determined (step S).
5). In addition, about step S5, a process may be performed anywhere before step S6. By the way, the money collecting means by collecting the voucher is, for example, the cash processing unit 111.
And so on. In addition, money collection means for debiting from a prepaid card or cash card includes debiting from a prepaid card and HOST2.
Is the withdrawal from the savings account that is remembered.

Then, the money corresponding to the second amount is collected (for example, collected by withdrawal from the prepaid card) by the money collecting means for debiting from the prepaid card or the cash card, and is converted to the first amount. Corresponding money is collected by money collecting means by collecting and receiving a voucher (that is, by collecting the customer's cash and other vouchers) (step S6). Thereafter, the product to be provided is taken out and released to provide the product to the customer (step S7).

In the following, the present invention is applied to an apparatus for performing a so-called currency exchange transaction in which cash is used as a voucher and cash is also used as a provided product, using a currency exchange apparatus 1 installed in a branch of a financial institution. The description will be made assuming that is applied. It should be noted that the exchange transaction can be applied not only to exchange of Japanese currency, but also to exchange of currency of a different country such as exchange of dollars into yen.

An outline of the exchange transaction of the present invention will be described mainly with reference to FIG. A customer comes to the store and starts a currency exchange transaction with the currency exchange device 1 installed in the store. The customer inserts a prepaid card into the exchange device 1 for payment of a fee, and inputs necessary information such as denomination, number of sheets, and the like from the input unit 107 after the exchange (step S101).

Upon completion of the input of the above information by the customer, it is determined whether or not it is necessary to collect a fee (step S102). If it is determined that the fee collection is not required, the process proceeds to step S104. If it is determined that the fee collection is required, the customer is requested to approve whether the fee may be collected (step S103). If the customer does not approve, the process ends. When the customer accepts and inputs the cash to be exchanged, the cash is counted and stored in a safe (step S).
104). If it is determined in step S102 that fee collection is required, a fee is collected by subtracting the fee amount from the inserted prepaid card (step S106).

Next, according to the denomination input in step S102, the cash after exchange is taken out of the safe and counted, and the cash is released so that the customer can receive it (step S107). In the event that a failure occurs during the removal, counting and release from the safe, and as a result cash cannot be provided to the customer, the commission will be refunded by adding the commission amount to the prepaid card. If necessary, a process of refunding the exchange money or making it possible to re-transfer at a later time is performed (step S109), and a message indicating that a failure has occurred and the rebate process has been performed is displayed on the display unit 108 (step S110). Subsequently, the transaction result is printed on the statement slip by the printing unit 109 and provided to the customer (step S1).
11), the exchange transaction processing ends.

Next, details of the processing of the embodiment will be described mainly with reference to FIGS. First, FIGS. 6 to 8 will be described. This process is performed when a customer performs a currency exchange transaction operation with the currency exchange device 1. In order for the customer to perform the exchange transaction, the exchange device 1 inputs information indicating that the exchange transaction has been selected and other necessary information (for example, re-transaction after a failure) from the input unit 107 (step S201). If necessary, the customer inserts a magnetic card such as a cash card or a prepaid card into an insertion slot (not shown), so that the magnetic card read / write unit 110 reads the contents of the inserted magnetic card (step S202). The processor 101 stores the input information and the read information in the memory 102.

Next, the processor 101 determines whether or not the transaction is a re-transaction after a failure (step S203), and if so, the process proceeds to step S209. Note that the processes after step S203 and step S209 will be described later in FIG. 10 in order to facilitate understanding.

If it is determined that the transaction is not a re-transaction after a failure (this means that it is a normal exchange transaction), the customer inputs the denomination and the number of coins desired for the exchange from the input unit 107 (step S204). . Next, the processor 10
1 determines whether a fee for the exchange transaction should be collected (step S205), and if it is determined that a fee should be collected, calculates the fee amount (step S206). If it is determined that it should not be collected, the process moves to step S301 shown in FIG. Note that the fee collection necessity information is stored in the memory 102 in preparation for use in subsequent processing (specifically, step S307 shown in FIG. 7).

The necessity of fee collection and the fee amount are determined as follows. For example, if the timer 112 indicates that it is a holiday and the exchange amount is equal to or more than a predetermined amount preset in the memory 102, the predetermined amount preset in the memory 102 according to the exchange amount is set as the fee amount. It is determined that the fee is not to be collected except in the case described above. In addition, the necessity and the amount of collection of the fee are determined in advance by searching for and extracting a specific time zone such as after work, an account number, and the like.
6 may be determined according to a predetermined criterion according to the customer attribute, denomination, number of sheets, or the like, or may be determined irrespective of the above information. Needless to say, the fee collection conditions are considered to be diversified, and in order to deal with this, the necessity and amount may be determined according to the fee collection conditions, and the present invention is not limited to the above example.
If the result of determining that the fee collection is necessary and obtaining the fee amount is 0 yen, the process may be performed assuming that the fee is not collected.

After the calculation of the commission amount, a message indicating that the commission is to be collected and the commission amount are displayed on the display unit 108 (step S2).
07) Ask the customer to judge whether or not to collect the fee. The customer looks at the displayed wording and the fee amount, and if he / she determines that he / she wants to conduct a transaction even if he bears the fee, he / she presses a predetermined key provided on the input unit 107 indicating that he / she has accepted it (step S208). . Thereby, the processor 10
1 shifts the processing to step S301 shown in FIG. On the other hand, if the customer decides not to accept, he / she presses a predetermined key provided on input unit 107 indicating that (step S2).
08), the processor 101 shifts the processing to step S310 shown in FIG.

Before shifting to step S310,
For example, based on the fee collection condition information stored in the memory 102 in advance, a time zone, a device, or the like at which a cheaper fee or the cheapest fee is obtained as compared with the above-mentioned fee for the transaction is taken out or a predetermined operation is performed. And may be displayed on the display unit 108. The purpose of this is to provide a reference when determining the appropriate execution time of the transaction at a later time by the customer since the burden of the commission was refused in the transaction.

The following is the processing shown in FIG. Step S
In 301, the processor 101 prompts the customer to insert cash to be exchanged by displaying the wording on the display unit 108, etc., so that the customer puts cash (including a fee as necessary) into a cash slot (not shown). Input (Step S
301) Therefore, after confirming that the cash inserted by the cash counting unit 111a is a genuine bill (if determined to be a counterfeit bill, the cash is returned to the customer, etc.), the cash is counted, and the counting result is displayed. It is displayed on the unit 108 (step S303).

When the customer sees this display, confirms that the amount is correct, and presses a key indicating a predetermined confirmation (step S304), the processor 101 proceeds to step S30.
The processing shifts to Step 5. On the other hand, when the customer presses a key indicating that the amount is not correct, the processor 101 proceeds to step S.
The cash input at 301 is released from the cash release unit 111b (step S309), and the memory 1 is stored as necessary.
After the information to be written set to 02 or the like is written on the magnetic card by the magnetic card read / write unit 110, the magnetic card is ejected and returned to the customer (step S310), and the exchange transaction processing is terminated.

In step S305, the processor 101 stores the cash counted in step S302 in a safe (not shown) or the like (step S305). When an abnormality such as a failure is detected during cash storage, the process proceeds to step S404 shown in FIG. If it is stored normally, the process proceeds to step S307 (step S306). It should be noted that even if an abnormality occurs, it is clear that the cash remains in the exchange device 1 (that is, the same state as that normally stored for the customer), and the subsequent processing such as cash release after the exchange is performed. If there is a high possibility that there is no problem, the process may proceed to step S307.

In step S307, it is determined whether a fee collection is required (stored in the memory 102 in step S205 shown in FIG. 6), and if it is determined that a fee collection is required, a fee collection process is performed (step S307). S
307, step 308), and step S40 shown in FIG.
Move to 1. Note that the fee collection process is shown in FIG. 9, and will be described later in detail.

The following is a description of FIG. Step S40
In FIG. 1, the cash corresponding to the denomination and the number of money input in step S204 shown in FIG.
11a takes it out of a cash storage safe (not shown) and counts it (step S401), and releases the above-mentioned cash so that the customer can receive it in the cash release unit 111b (step S402). If it is detected that an abnormality such as an obstacle has occurred during the counting and discharging operations of cash and, as a result, the aforementioned cash cannot be provided to the customer (step S403), the process proceeds to step S404.

When it is detected that the cash counting and discharging operations have been completed normally, transaction result information such as denomination, number of sheets, total amount and the like are printed on a statement slip by the printing unit 109 and discharged (step S409). If necessary, the information to be written set in the memory 102 or the like is written to the magnetic card by the magnetic card read / write unit 110, and then the magnetic card is ejected and returned to the customer (step S410). finish.

In step S404, a payout process is performed (step S404). The refund process is shown in FIG. 10 and will be described later in detail. After the refund process, the display unit 108 displays on the display unit 108 a message indicating that an abnormality has occurred, the location of the nearest alternative exchange device 1 and a request for re-transaction by the device, and the like (step S405). If necessary, the information displayed on the above-mentioned display unit 108, a word having the same meaning, a password (created in step S607 shown in FIG. 10), and the like are printed on a statement slip in the printing unit 109 and discharged (step S406) If necessary, the memory 1
After the information to be written set to 02 or the like is written on the magnetic card by the magnetic card read / write unit 110, the magnetic card is ejected and returned to the customer (step S407). After that, the transaction is suspended (step S408), for example, to disable the transaction selection, and the exchange transaction process is terminated.

Next, FIG. 9 will be described. This process is a detailed process of the fee collection process in step S308 shown in FIG. First, the processor 101 determines whether or not a magnetic card is inserted, and if so, determines whether or not the magnetic card is a prepaid card (step S501). As a method of this determination, for example, information recorded on a predetermined portion in the magnetic card, that is, the type shown in FIG. 14 indicates a prepaid card, or a dedicated insertion slot for a prepaid card is provided, It is determined that the card is a prepaid card when a magnetic card is inserted. The type shown in FIG. 14 and the type shown in FIG. 15 are provided at the same position on the magnetic stripe for the purpose of distinguishing between the prepaid card and the cash card.

If it is determined that the card is a prepaid card, the amount set in the card shown in FIG. 14 is compared with the fee amount calculated in step S206 shown in FIG. Then, it is determined whether the commission amount is equal to or less than the amount set in the card (step S511). If it is determined that the fee can be collected, the amount is set in the memory 102 so that the amount obtained by subtracting the amount of the fee from the above-mentioned amount is written in the above-described magnetic card into the portion of the amount shown in FIG. 14 (step S512). To end. If the fee cannot be collected, the process shifts to step S508 to display a message indicating that the fee amount is insufficient.

If it is determined in step S501 that the card is not a prepaid card, it is determined whether the card is a cash card (step S502). If it is determined that the card is a cash card (the determination method is the same as that of the above-described prepaid card. For example, the type shown in FIG. 15 indicates a cash card). After confirming the identity by confirming the match with the password input by the customer from 107, the financial institution code, store number and account number shown in FIG. 15 set on the card and the fee calculated in step S206 shown in FIG. Assemble the message based on the amount etc. (Step S5
03), via the communication control unit 104 and TC3,
2 (step S504).

In HOST2, the processor 201 receives the message via the communication control unit 203 and, based on the account number set in the message, transfers the message to the DK 205 set in the account corresponding to the account number. The stored deposit amount or the like is compared with the commission amount set in the above-described message, and it is determined whether the commission can be collected, that is, whether the commission amount is equal to or less than the deposit amount or the like. If it is determined that the fee can be collected, the amount obtained by subtracting the commission amount from the deposit amount described above is stored again as a new deposit amount in the DK 205, and information indicating that the fee can be withdrawn is set in the message. I do. If it is determined that the fee cannot be collected, information to that effect is set in the message. Then, the above-mentioned message is transmitted to the exchange device 1 via the communication control unit 203 and the TC3 (step S505).

The processor 101 receives this message (step S506), and terminates the fee collection process if it determines that the message has been processed normally, that is, the information that it can be withdrawn is set in the message. Then, control goes to a step S401 shown in FIG. If it is determined that the information that the withdrawal was not possible is set, it is determined that the balance of the deposit or the like was insufficient and the processing was not performed normally (step S50).
7).

In step S508, a word indicating the state in the previous step, such as the fact that the balance of the deposit or the like was insufficient and the normal processing was not performed, is displayed on the display unit 207 (step S508). Thereafter, the cash input in step S301 shown in FIG.
b and return to the customer (step S509). If necessary, write the information set in the memory 102 to the magnetic card, then eject the magnetic card and return to the customer (step S510). Ends transaction processing.

If it is determined in step S502 that the card is not a cash card (step S502), the processor 101 recognizes that a commission has been paid in cash.

In the case of a currency exchange transaction, in consideration of the nature of the currency exchange, it is preferable that the input cash and the cash after the exchange are equivalent. Therefore, it is preferable to collect the commission by the above-mentioned prepaid card or cash card. However, this is not a requirement and the commission may be included in cash. The following process describes this case.

Whether the amount of cash stored in step S305 shown in FIG. 7 is equal to the amount including the fee, that is, the amount of cash stored is equal to the amount to be exchanged input in step S204 shown in FIG. It is determined whether or not it matches the total amount with the fee amount calculated in step S206 shown in FIG. 6 (step S513). If it is determined that they match, the fee collection process ends, and the routine goes to Step S401 shown in FIG. If they do not match, the flow shifts to step S508 to display a message to that effect. Of course, if the stored cash amount is larger, it is assumed that the change (the denomination of the change may be designated by the customer, or the processor 101 itself may determine the minimum payout number, for example). The processing may be performed assuming that they match.

Next, FIG. 10 will be described. This process is a detailed process of the payout process in step S404 shown in FIG. First, the processor 101 determines whether a magnetic card is inserted, and if so, determines whether the magnetic card is a cash card (step S601). The determination is made in step S50 shown in FIG.
Same as 2. If it is a cash card, the financial institution code shown in FIG. 15 set in this card,
Store number and account number, and step S204 shown in FIG.
The electronic money is assembled based on the denomination and the number of pieces input in step S206, the fee amount calculated in step S206 shown in FIG. 6, the cash amount stored in step S305 shown in FIG. 7, and the like (step S611). The data is transmitted to HOST2 (step S612).

In HOST2, the processor 201 receives this message, and stores the above-mentioned information set in the message in the DK 205 in preparation for a later re-transaction (step S613). Then, based on the account number set in the message, the commission amount is added to the deposit amount or the like set in the account, thereby obtaining step S505 shown in FIG.
Then, the amount corresponding to the collected fee is corrected (step S614).

If necessary, not only the commission amount but also the stored cash amount may be added to the deposit amount or the like. Conversely, this step is omitted and the commission is not returned.
That is, it may be configured so as not to be corrected. In step S613, information indicating the presence or absence of a fee correction (this information is referred to in step S212 shown in FIG. 6) is also stored.

After that, the processor 201 assembles the processing result into a message (step S615) and transmits it to the exchange device 1 (step S609). The processor 101 of the exchange device 1 receives this message (step S610) and performs the refund process. Are completed, and the routine goes to Step S405 shown in FIG.

If it is determined in step S601 that the card is not a cash card, it is determined whether the card is a prepaid card (step S602). Figure 9
In the case of step S501 shown in FIG. If it is determined that the card is a prepaid card, step S204 shown in FIG.
The denomination and the number entered in are set in the memory 102 to be written on the prepaid card together with the information indicating the need for re-transaction (step S616). Then, the amount set in the card and shown in FIG.
The commission amount calculated in 206 is added, and this is set as a new amount in the memory 102 to be written in the amount portion of the prepaid card shown in FIG. 14 (step S6).
17).

If necessary, not only the commission amount but also the cash amount stored in step S305 shown in FIG. 7 may be added and written. Alternatively, this step may be omitted and the trouble amount may be reduced. May not be added, that is, the fee may not be corrected. In step S617, information indicating the presence or absence of fee correction (this information is referred to in step S212 shown in FIG. 6) is also stored. As described above, the payout processing ends, and the flow shifts to step S405 shown in FIG.

If it is determined in step S602 that the fee is not a prepaid card, the fee is recognized as having been paid in cash, and the customer is prompted to enter his / her name and other information about the customer as necessary. 1
07, necessary information is input (step S603). The purpose of inputting this information is to use it in the password creation processing in step S607. This step may be omitted if the above information is not required for creating the password. The processor 101 sends a message based on the above-described information on the customer, the denomination and the number of coins input in step S204 shown in FIG. 6, the fee amount calculated in step S206 shown in FIG. Are assembled (step S604) and transmitted to HOST2 (step S604).
605).

In HOST2, the processor 201 receives this message, and stores the denomination, the number of copies, the commission amount, and the like set in the message in the DK 205 in preparation for a later re-transaction by the customer (step S606). . Then, a password is created as a search key for the above information stored in the DK205, and in step S606, the DK205 is created.
The information is stored in the DK 205 together with the information stored in (step S607), and a message is assembled based on the password (step S608), and the process proceeds to step S609 to transmit the message to the exchange device 1.

It is to be noted that the stored amount of cash is HOST2.
Instead of storing in the prepaid card, the cash input by the customer may be returned to the customer by the exchange device 1. That is, the cash stored in the safe in step S305 shown in FIG. 7 may be taken out by a take-out unit (not shown) and discharged by the cash discharge unit 111b. However, the withdrawal unit and the cash release unit 111
As for b, if it is the same as the mechanism described in steps S401 and S402 shown in FIG. 8, it is highly likely that release or the like cannot be performed because it has already become an obstacle. Therefore, it is premised that the components are not the same but configured differently, or configured to use different parts even if they are the same.

The method of creating a password in step S607 is, for example, as follows. That is, step S60
Information about the customer entered in step 3, timer 209
, A predetermined operation is performed based on all or a part of the information such as the date and time when the above-mentioned telegram is displayed and other pseudo-generated random numbers. Of course, it is not limited to this example.

Incidentally, for example, in step S4 shown in FIG.
In 01, the customer cannot obtain all the cash to be provided because the cash to be provided cannot be released unless the counting operation itself can be performed due to a failure in the cash counting unit 111a. On the other hand, for example, when a failure occurs during cash release in step S402 shown in FIG. 8, the customer may receive some cash and may not receive the rest. In the former case, the processing may be performed to return the full amount, but in the latter case, various measures can be taken. For example, cash processing unit 1
A fee proportional to the amount of cash received by the customer, which is known by the customer 11, may be calculated and collected, and the remaining amount (an amount obtained by adding the amount of cash not received by the customer as necessary) may be refunded. However, there is no change in the fact that the offer was not successful, so you may be able to give a full refund.
Depending on the nature of the product rather than cash, if a part can be provided, it may be configured so that it can be regarded as being fully provided and treated as normal and no refund will be made.) It is not limited to these examples.

Here, the processing after step S203 and step S209 reserved in the description of FIG. 6 will be described. Since the processing was canceled during the exchange transaction due to an obstacle or the like, the processing is performed when the customer performs the exchange transaction again with the exchange apparatus 1 different from the one where the transaction was canceled or the same exchange apparatus 1 after the repair. is there.

In step S203, the processor 101 determines whether a magnetic card has been inserted. If inserted, it is further determined whether the inserted magnetic card is a prepaid card. The method of determination conforms to the case of step S501 shown in FIG. If the card is a prepaid card, it is determined whether or not a re-transaction is necessary based on the information on the necessity of re-transaction shown in FIG. If re-transaction is not required, it is determined that the transaction is not re-transaction, and the process proceeds to step S204. If the re-transaction is required, as described in step S616 shown in FIG. 10, the denomination and the number of sheets shown in FIG. (Step S209), the effect of the re-transaction, the denomination and the number of sheets are displayed on the display unit 108 (Step S21).
0).

When the customer sees this display and confirms that it is correct, he or she presses a predetermined key. Therefore, the processor 101 recognizes that the re-transaction and the denomination and the number of sheets have been accepted as being correct, and proceeds to step S212. . Step S2
If the customer confirms that the contents displayed in 10 are not correct, the processor 101 presses a predetermined key. Therefore, the processor 101 recognizes that the content has not been accepted, and performs a predetermined process (not shown) such as requesting a visit to a predetermined branch. (Step S211).

In step S203, it is determined that a magnetic card has been inserted and that the magnetic card is a cash card (the determination is made in step S5 shown in FIG. 9).
02), if the amount corresponding to the commission and the input cash has been refunded, retransaction is unnecessary, and the process may proceed to step S305 immediately. If the refund is not necessarily made, for example, step S201
When it is determined that the transaction is a re-transaction based on the information of the re-transaction input in the above, a message is generated based on the re-transaction and the store number, account number, etc. shown in FIG. 15 written on the magnetic card. Assemble and send to HOST2.

The processor 201 in the HOST 2 receives this message and, based on the account number and the like set in the message, in step S613 shown in FIG.
5, the denomination and the number of sheets stored in the storage device 5 are taken out, and a telegram is assembled and transmitted to the exchange device 1.
1 receives this message, and extracts the denomination and the like set in the message (step S209). Then step S2
Move to 10.

If it is determined in step S203 that the magnetic card has not been inserted, for example, step S20
If it is determined that the transaction is a re-transaction based on the re-transaction information input in step 1, the re-transaction and the password input in step S201 (the password created in step S607 shown in FIG. The message is assembled based on the password, etc., and transmitted to HOST2. The processor 201 receives this message and, based on the password set in the message, executes step S606 shown in FIG.
, The denominations and the like stored in the DK 205 are taken out, and a message is assembled and transmitted to the exchange device 1. Therefore, the processor 101 receives this message and takes out the denominations and the like set in the message ( Step S209). Thereafter, the process proceeds to step S210.

In step S212, it is determined whether the fee for the re-transaction has already been collected or returned in the previous transaction (step S212). This determination is that if the card is a cash card or a pay card, it indicates that the fee has been collected based on the information on the presence or absence of the fee collection shown in FIG. Judge, otherwise judge that it has been returned. In the case of cash, it cannot be returned, so it is determined that it has been collected.

If it is determined that collection has already been completed, step S
In step 209, the process shifts to step S401 shown in FIG. If it is determined that the fee has been returned, the process proceeds to step S205 to collect a fee if fee collection is required.

Next, FIGS. 11 to 13 will be described. This processing is a modified example of the processing of FIGS. 6 to 8 described above. FIG.
8 is a process when a customer performs a currency exchange transaction with the currency exchange device 1, whereas this process uses cash vouchers such as cash and tickets to sell products to the customer. Processing. An apparatus for performing this processing is a vending machine or the like, and its hardware configuration is the same as that of the above-described exchange apparatus 1. Therefore, in the description of this processing, the above-described currency exchange device 1 is referred to as a product sales device 1.

The product in the present invention may be not only an article having a fixed form but also a liquid such as petroleum or a gas such as gas, or information such as electricity, characters or images.
What is necessary is just to be able to set a predetermined value for a predetermined amount. In this processing, only the prepaid card is used for the sake of simplicity of description, but the present invention is not limited to this, and is stored in the HOST 2 as described in FIGS. 6 to 8. Needless to say, it is possible to use a deposit or the like.

Since the customer inserts a magnetic card, which is a prepaid card, into an insertion slot (not shown), the magnetic card reading / writing section 110 reads the contents of the inserted magnetic card (for example, FIG. 1).
4) (step S701). Then, the processor 101 of the merchandise selling device 1 stores the input information and the read information described above in the memory 102.

Next, the customer inputs, for example, information on the product desired to be purchased, such as the product type and quantity, from the input unit 107 (step S702). Thereby, the processor 1
01 calculates the price of the product to be traded based on the input information on the product, stores the calculation result in the memory 102 (step S703), and determines whether a fee for the product transaction should be collected. (Step S704). If it is determined that a fee should be collected, the fee amount is calculated and stored in the memory 102 (step S70).
5). If it is determined that it should not be collected, step S708
Move to The processing for the necessity of fee collection and the fee amount is performed in steps S205 and S205 shown in FIG.
Similar to 206.

After the calculation of the commission amount, a message indicating that the commission is to be collected and the commission amount are displayed on the display unit 108 (step S7).
06) Ask the customer to judge whether fee collection is possible or not. The customer looks at the displayed wording and the fee amount, and if he / she determines that he / she wants to conduct a transaction even if he / she bears the fee, he / she presses a predetermined key provided in the input unit 107 indicating that he / she has accepted it (step S707). . Thereby, the processor 10
In step S708, the process proceeds to step S708. On the other hand, if it is determined that the customer does not approve, the processor 101 presses a predetermined key provided on the input unit 107 to that effect (step S707), and the processor 101 proceeds to step S818 shown in FIG. Transition.

Before proceeding to step S818,
For example, based on the fee collection condition information stored in the memory 102 in advance, a time zone, a device, or the like at which a cheaper fee or the cheapest fee is obtained as compared with the above-mentioned fee for the transaction is taken out or a predetermined operation is performed. And may be displayed on the display unit 108.

Next, in step S708, it is determined whether or not the transaction is required to collect a tax such as a consumption tax, for example, based on the information on the input product and the like (step S708), and it is determined that the transaction is required. If determined, the tax amount is calculated and stored in the memory 102 (step S
709). Then, step S703, step S70
5 and the total amount of the price, the commission, and the tax obtained in step S708, that is, the amount to be paid by the customer when purchasing the product in the transaction is calculated and stored in the memory 102 (step S710).

Next, it is determined whether the total amount is equal to or less than a predetermined amount (step S711). The purpose of this judgment is
By reducing the total amount paid by the customer from the prepaid card, there is no trouble, and if it is a small amount, the amount in the prepaid card after the withdrawal does not decrease significantly so that the use of the card later can be continued What you can do. The aforementioned predetermined amount may be determined according to this purpose.
That is, a fixed value may be uniformly stored in the memory 102 in advance for all transactions, or a predetermined ratio of the amount may be calculated and calculated based on the amount in the prepaid card shown in FIG. However, the present invention is not limited to these.

If it is determined that the amount is not less than the predetermined amount, the process shifts to step S801 shown in FIG. If it is determined that the amount is equal to or less than the predetermined amount, the word indicating this fact and the above-described predetermined amount are displayed on the display unit 108 to the customer if necessary (step S712). Ask for judgment. When the customer looks at the displayed wording or the like and determines that the entire amount can be debited, the customer presses a predetermined key provided in the input unit 107 indicating that the customer has accepted (step S713). This allows the processor 10
In step S714, the process proceeds to step S714. On the other hand, if the customer decides not to accept, the user presses a predetermined key provided on the input unit 107 indicating that (step S713), and the processor 101 proceeds to step S80 shown in FIG.
The processing shifts to 1. Steps S712 and S7 are performed for the purpose of eliminating the trouble of the customer and shortening the processing time.
The process of step 13 may be omitted, and the process may proceed to step S714 as soon as it is determined that the amount is equal to or less than the predetermined amount.

In step S 714, the instruction and the amount to be debited from the prepaid card are stored in the memory 10.
2 (step S714). Then, the amount is compared with the amount in the prepaid card to determine whether the amount in the prepaid card is larger or the same (that is, whether the amount can be withdrawn) (step S).
715). If it is determined that the withdrawal is possible, the flow shifts to step S814 shown in FIG. If it is determined that the debit is not possible (that is, the balance is insufficient), the process shifts to step S818 shown in FIG. 12 to stop the transaction. In addition, instead of proceeding to step S818, in order to enable payment with a cash voucher, if necessary, a message to the effect that the balance is insufficient is displayed on the display unit 108, and then the memory 102 is executed in step S714.
May be deleted, and the process may proceed to step S801 or step S806. Note that, in the case where the customer determines that the full payment can be made from the prepaid card, the processing in step S715 may be performed before step S712 in order to enable the payment to be made.

The following is a description of the processing in FIG. In step S801, it is determined whether there is a fraction (step S801). The purpose of this determination is that if the entire amount paid by the customer is paid by a voucher described later, for example, it is necessary to insert a plurality of vouchers, it is complicated and it is a small amount without trouble by deducting from the prepaid card If this is the case, the amount in the card after the withdrawal does not decrease significantly, so that the later use of the card can be continued. The above fraction may be determined for this purpose. That is, for example, the amount is less than 10 yen, which is a small amount, or less than 1000 yen which requires coins, but is not limited thereto.

If it is determined that there is no fraction, step S805
The processing shifts to. If it is determined that there is a fraction, a word indicating this fact is displayed to the customer, and if necessary, the above-described fraction is displayed on the display unit 108 (step S802), and the customer is determined whether the fraction can be withdrawn from the prepaid card. Ask for. When the customer looks at the displayed wording or the like and determines that the fraction can be withdrawn, the input unit 1 indicating that the customer has accepted it.
07 is pressed (step S80).
3). As a result, the processor 101 proceeds to step S80.
The processing shifts to Step 4. On the other hand, if the customer decides not to accept, the user presses a predetermined key provided on the input unit 107 indicating that (step S803).
Shifts the processing to step S805.

In step S 804, an instruction to pay from the prepaid card and the amount of money are stored in the memory 10.
2 (step S804), and the process proceeds to step S805. Note that the processing of steps S802 and S803 may be omitted for the purpose of eliminating the trouble of the customer and shortening the processing time, and the process may proceed to step S804 as soon as it is determined that there is a fraction.

In step S805, the above-mentioned fractional amount is compared with the amount in the prepaid card shown in FIG. 14 to determine whether the amount in the prepaid card is larger or the same (that is, whether the withdrawal is possible). Is determined (step S805). If it is determined that the withdrawal is possible, the process proceeds to step S806. If it is determined that the transaction cannot be withdrawn (that is, the balance is insufficient), the process shifts to step S818 to stop the transaction. Step S8
In order to make payment possible with a voucher instead of proceeding to step 18, after displaying a message indicating that the balance is insufficient on the display unit 108 as necessary, the card withdrawal instruction stored in the memory 102 in step S804 is displayed. And after erasing the amount, step S
806 may be configured. Note that the processing in step S805 may be performed before step S802 in order to allow the customer to withdraw from the prepaid card whenever it is determined that the card can be withdrawn.

In step S806, step S806
By subtracting the fraction stored in the memory 102 in step S804 from the total amount obtained in 710,
Calculate the amount to be paid by the customer with the voucher,
(Step S806).

Next, the processor 101 controls the display unit 108
In step S807, the customer is prompted to insert a cash voucher by displaying the amount calculated in step S802 and a message prompting the user to insert a voucher (step S807). As a result, the customer inserts the voucher into the voucher slot (not shown) (step S808). After the voucher counting unit corresponding to the cash counting unit 111a confirms that the inserted voucher is genuine (step S8).
09), the amount of the voucher is grasped (step S81)
0), and displays the amount and the like on the display unit 108 (step S811). If it is determined in step S809 that the voucher is counterfeit, the customer is required to return the voucher.
The process moves to step S901 shown in FIG.

When the customer looks at the amount of the voucher displayed on the display unit 108, confirms that the amount is correct, and presses a key indicating a predetermined confirmation (step S812),
The processor 101 shifts the processing to step S813. On the other hand, if the customer presses a key indicating that the amount is not correct, the processor 101 proceeds to step S901 shown in FIG. 13 in order to return the voucher to the customer.

In step S813, the processor 101 stores the note inserted in step S810 in a safe (not shown) or the like (step S813). In step S814, the amount in the prepaid card shown in FIG.
The card withdrawal amount stored in the memory 102 is reduced by the user, and the reduced value is used as a new amount in the prepaid card shown in FIG. (Step S814).

Next, the commodity corresponding to the commodity type and quantity input in step S702 shown in FIG. 11 is taken out of the commodity storage corresponding to the cash counting section 111a by the commodity counting section 111a and counted. (Step S81
5) The customer releases the above-mentioned product so that the customer can receive it at the product release unit corresponding to the cash release unit 111b (step S816).

When an abnormality such as the occurrence of a failure is detected in any of steps S813 to S816, a failure process (not shown) is performed, and when all the processes are completed normally, the prepaid card is ejected and returned to the customer (step S816).
818), the process ends.

The following is a description of the processing in FIG. The processor 101 displays, on the display unit 108, a word indicating the reason for stopping the transaction, such as determining that the voucher is a counterfeit (step S).
901). The cash voucher inserted in step S808 is discharged by the voucher counting unit corresponding to the cash counting unit 111a and returned to the customer (step S902). Further, the prepaid card is discharged and returned to the customer (step S90).
3) End the processing.

In the above embodiment, the prepaid card and the cash card have been described as being magnetic cards. However, the present invention is not limited to magnetic cards, but may be any portable medium such as an IC card or an optical card. In addition, although it has been described that the prepaid card is writable, it may not be writable (however, instead of writing, a predetermined amount of money may be paid by mechanically punching a predetermined position of the card, for example). It is assumed that the card can display the fact that it has been collected). In this case, the refund process and the re-transaction process shown in FIG. 6 can be processed in the same way as in the case where the commission is included in the cash. In particular,
The storage of the denomination and the number of sheets and the correction of the commission in steps S616 and S616 shown in FIG. 10 may be performed by performing the processing of steps S603 to S610 instead of performing the processing on the prepaid card. Steps S209 to S209 shown in FIG.
Step 211 is the same as the processing when the commission is included in the cash.

In the above-described embodiment, the storage of the denomination and the number of coins and the creation of a password at the time of refund are performed by the HO.
Although it has been described that the processing is performed in ST2, the invention is not limited to this, and the processing may be performed in the currency exchange device 1 or the TC3.

[0088]

As described above, according to the present invention, the following effects can be expected. That is, a money collecting means for receiving a voucher and a money collecting means for debiting from a prepaid card or a cash card are prepared. Calculate the transaction amount generated in the transaction processing including the price for the product, perform a predetermined operation, and subtract the first amount from the transaction amount, including the first amount, which does not include the fraction and is closer to the price of the product. And a second amount which is a fractional amount.
In addition, a monetary collecting means for debiting from a prepaid card or a cash card is determined. Then, the money corresponding to the second amount is collected by the money collecting means for debiting the prepaid card or the cash card, and the money corresponding to the first amount is collected by the money collecting means by receiving the voucher. . Therefore, since the amount close to the product equivalent is collected by a cash voucher such as cash, and the remaining amount is collected from other than a voucher, the customer pays the amount close to the product equivalent by a voucher, and the remaining amount is other than a prepaid card such as a voucher. Can be withdrawn from For this reason, the customer does not need to pay the entire transaction amount only with cash vouchers, so it is troublesome to calculate the commission and tax amount etc. to the product price or bring various types of vouchers due to fractional reasons. Positive psychological burden is reduced.

Further, when it is determined that the transaction amount is equal to or less than a predetermined amount, the transaction amount is collected by a money collecting means for debiting the prepaid card or the cash card. Therefore, if the transaction amount is equal to or less than the predetermined amount, the entire transaction amount is collected from other than the voucher, so that the customer can be debited from a non-gold voucher such as a full prepaid card without paying with the voucher. For this reason, customers can purchase small items, etc.
For example, the burden and psychological burden of bringing various types of coins such as coins for coins are reduced.

Further, it is determined whether or not the product has been normally provided. If it is determined that the product has not been normally provided, information for enabling the product to be provided again is stored in a predetermined mode. Therefore, it is possible to conduct a transaction again with another device or the like based on the stored information later.
Since there is no need to manually perform a procedure such as returning a fee or a voucher on the spot, the customer does not need to wait for the arrival of a maintenance worker or the like, and the opportunity for the maintenance staff to be dispatched early is reduced.

Further, based on the stored information for enabling the provision of the commodity, it is determined whether or not the cash voucher has been received. If it is determined that the voucher has been received, the above information is used. The information on the received voucher is taken out, and a product is provided based on this information. Therefore, the transaction and the like can be performed again based on the stored information, so that the customer can omit the re-insertion of the voucher, and the operation is simple and the operation time is shortened. Further, even if a failure occurs in a previous transaction or the like, a transaction or the like can be performed again using the stored information later, so that it is possible to reduce opportunities for customer waiting and maintenance staff to be dispatched at the time of occurrence of the failure. .

[0092] Further, it is determined whether or not the merchandise is provided normally. If it is determined that the merchandise is not normally provided, money corresponding to the received transaction amount is refunded in a predetermined manner. Therefore, it is possible to prevent a situation in which the transaction amount is collected even though the product is not provided to the customer, and the reliability of the transaction is improved,
The customer does not need to wait for the arrival of maintenance personnel and the like, and the chance of early dispatch of maintenance personnel is reduced.

[0093] Further, it is determined whether or not the merchandise has been provided normally, and if it is determined that the product has not been normally provided, a predetermined amount equal to or less than the transaction amount is obtained, and money matching the amount is determined in a predetermined mode. Refund by Therefore,
Despite the fact that the product has not been provided to the customer, it is possible to prevent the situation where the monetary amount of the transaction amount is collected and the reliability of the transaction etc. is improved, and the customer does not need to wait for the arrival of maintenance personnel etc. Opportunities for early dispatch of maintenance staff are also reduced.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram of an embodiment of the present invention.

FIG. 2 is an example of a system configuration.

FIG. 3 is a hardware configuration diagram of a currency exchange device.

FIG. 4 is a hardware configuration diagram of a host computer.

FIG. 5 is a flowchart of a processing outline.

FIG. 6 is a flowchart (part 1) of a currency exchange transaction process.

FIG. 7 is a flowchart (No. 2) of the exchange transaction process.

FIG. 8 is a flowchart (part 3) of the exchange transaction process.

FIG. 9 is a flowchart of a fee collection process.

FIG. 10 is a flowchart of a payout process.

FIG. 11 is a flowchart (part 1) of a product sales process.

FIG. 12 is a flowchart (part 2) of a merchandise selling process.

FIG. 13 is a flowchart (part 3) of a merchandise selling process.

FIG. 14 is an example of information in a prepaid card.

FIG. 15 is an example of information in a cash card.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Currency exchange device 2 Host computer (HOST) 101, 201 Processor 102, 202 Memory 104, 203 Communication control part 106, 205 Disk (DK) 107 Input part 108 Display part 109 Printing part 110 Magnetic card reading / writing part 111 Cash processing part 111a Cash release unit 111b Cash counting unit 112, 209 Timer

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E001 AA07 BA01 BA02 BA05 BA06 CA03 CA07 DA08 DA09 EA13 EA14 EA15 EB08 FA62 FA63 FA77 3E044 AA01 AA02 AA20 BA01 BA02 BA04 BA06 CA02 CA05 CA06 CA10 DA03 DA06 DB02 DB05 DD04 EA01 EA02

Claims (14)

[Claims] 1. An automatic transaction method for performing predetermined transaction processing based on input transaction information, collecting predetermined money related to the transaction processing by a money collecting means, extracting a product, and providing the product to a customer. Preparing, in addition to the monetary collecting means by collecting the vouchers, a monetary collecting means for debiting from a prepaid card or a cash card, and calculating a transaction amount generated in the transaction processing including consideration for the product; A first amount is calculated by performing a predetermined calculation on the transaction amount and is not included in the fraction and is closer to the price of the product, and a second amount is a fraction amount obtained by subtracting the first amount from the transaction amount. From among the money collecting means provided, a money collecting means for debiting from the prepaid card or the cash card is determined. Collecting the money corresponding to the second amount by the money collecting means for debiting from the prepaid card or the cash card and collecting the money corresponding to the first amount by the money collecting means by receiving the voucher. Characterized automatic trading method. 2. It is determined whether or not the transaction amount is equal to or less than a predetermined amount. If it is determined that the transaction amount is equal to or less than the predetermined amount, the transaction amount is deducted from the prepaid card or cash card. 2. The automatic transaction method according to claim 1, wherein the transaction is collected by a money collecting means. 3. A money exchange device for performing money exchange processing based on input transaction information, collecting predetermined money related to the money exchange transaction processing, and providing the customer with cash after the money exchange. And a money collecting means for debiting from a prepaid card or a cash card other than the money collecting means by receiving the voucher; and a transaction amount calculating means for calculating a transaction amount generated in the exchange transaction processing including the exchange amount. Performing a predetermined operation on the transaction amount to obtain a first amount which is not including a fraction and is closer to the exchange amount, and a second amount which is a fraction amount obtained by subtracting the first amount from the transaction amount. Amount decomposing means for dividing the amount into money and a money collecting means for debiting the prepaid card or cash card from the money collecting means are determined. The money collecting means for debiting from the prepaid card or the cash card collects money corresponding to the second amount. A money exchange device for collecting money corresponding to the amount of money. 4. A determination means for determining whether or not the transaction amount is equal to or less than a predetermined amount. 4. A money exchange apparatus according to claim 3, wherein a money collecting means for debiting the money collects the transaction amount. 5. When providing the cash after exchange to a customer,
Cash providing state determining means for determining whether or not the cash providing is normally performed, and when the cash providing state determining means determines that the cash providing is not performed normally, to enable the cash providing again. The exchange device according to claim 3, further comprising storage means for storing the information in a predetermined manner. 6. A note voucher received and unpaid information retrieving means for retrieving information stored by the storage means, and whether or not a voucher has been received based on the information retrieved by the voucher received and unpaid information retrieving means. Means for determining whether or not the voucher has been received and received, and if the voucher has been received and received by the voucher has not been received, the information on the received voucher is stored based on the information stored in the storage means. 6. The money exchange apparatus according to claim 5, further comprising: a received money ticket information extracting means to be taken out, wherein the cash is provided based on information on the received money ticket extracted by the received money ticket information taking means. 7. When the cash is provided to a customer, a cash providing state determining means for determining whether or not the cash providing is normally performed, and if the cash providing is not normally performed by the cash providing state determining means, 4. The money exchange apparatus according to claim 3, further comprising a refund unit that refunds money corresponding to the transaction amount in a predetermined manner when the determination is made. 8. When the cash is provided to a customer, a cash providing state determining means for determining whether or not the cash providing is normally performed, and if the cash providing is not normally performed by the cash providing state determining means, 4. The money exchange apparatus according to claim 3, further comprising: refund means for obtaining a predetermined amount equal to or less than the transaction amount when the determination is made, and refunding money corresponding to the predetermined amount in a predetermined manner. 9. A merchandise sales apparatus that performs merchandise sales transaction processing based on input transaction information, collects predetermined money related to the merchandise sales transaction processing, takes out the merchandise, and provides the merchandise to the customer. Means for collecting money by receiving money; means for collecting money from a prepaid card or a cash card other than means for collecting money from receiving a voucher; and a transaction amount generated in the merchandise sales transaction processing including consideration for the merchandise. Means for calculating the transaction amount, and performing a predetermined operation on the transaction amount, subtracting the first amount from the transaction amount, a first amount not including the fraction and being closer to the price of the product. An amount decomposing unit that divides the money into a second amount that is a fractional amount, and the prepaid card or the cash card from the money collecting unit. Determining means for determining a money collecting means for debiting the money, wherein the money collecting means for debiting from the prepaid card or the cash card collects money corresponding to the second amount, A merchandise selling device, wherein the money collecting means for collecting money collects money corresponding to the first amount. And determining whether the transaction amount is equal to or less than a predetermined amount. If the determination unit determines that the transaction amount is equal to or less than the predetermined amount, the transaction amount is determined from the prepaid card or the cash card. 10. The merchandise selling apparatus according to claim 9, wherein a money collecting means for debiting the money collects the transaction amount. 11. When providing the product to a customer, a product providing state determining means for determining whether or not the product providing has been normally performed, and if the product providing has not been properly performed by the product providing state determining means. 10. The merchandise selling apparatus according to claim 9, further comprising: storage means for storing information for enabling provision of the merchandise again when the judgment is made, in a predetermined manner. 12. A note voucher received and unpaid information retrieving means for retrieving information stored by the storage means, and whether or not a voucher has been received based on the information retrieved by the voucher received and unpaid information retrieving means. Means for determining whether or not the voucher has been received and received, and if the voucher has been received and received by the voucher has not been received, the information on the received voucher is stored based on the information stored in the storage means. The merchandise selling apparatus according to claim 11, further comprising: a received voucher information extracting unit to be taken out, wherein the merchandise is provided based on information on the received voucher taken out by the received voucher information extracting unit. 13. When the product is provided to a customer, a product provision state determining means for determining whether or not the product provision is normally performed, and if the product provision is not performed normally by the product provision state determining means. The merchandise selling apparatus according to claim 9, further comprising a refund unit that refunds money corresponding to the transaction amount in a predetermined manner when the determination is made. 14. When providing the product to a customer, a product providing state determining means for determining whether or not the product providing is normally performed, and if the product providing is not normally performed by the product providing state determining means. 10. The merchandise selling apparatus according to claim 9, further comprising: refund means for obtaining a predetermined amount of money equal to or less than the transaction amount and refunding money corresponding to the predetermined amount in a predetermined manner.