JP2002334366A - System and method for money transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a money transaction system 11 in which the received money amount of currency for money received can be specified, currency for money exchange does not have to be separately prepared, and moneys can be effectively operated. SOLUTION: A money receiving machine 12 specifies customer information and performs receiving processing of money. Received money contents including the received money amount of money subjected to money receiving processing with the money receiving machine 12 are associated with the customer information and stored in a received money contents storing means 24. A money changer 13 specifies the customer information and changes money by using a portion of the received money amount stored in the received money contents storing means 24 when a designating means 22 designates money exchange that uses received money. An amount necessary for money exchange with the money changer 13 is subtracted from the received money amount stored in the received money contents storing means 24. The received money amount of currency for money received can be specified, currency for money exchange does not have to be separately prepared, and moneys can be efficiently operated.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a money transaction system and a money transaction method provided with a money depositing machine and a money changer installed in a lobby of a financial store such as a bank.

[0002]

2. Description of the Related Art For example, a money changer is conventionally installed in a lobby of a financial institution such as a bank, and a customer uses the money changer to change money to a desired denomination. In particular, in order to prepare change which is indispensable for the operation of a retail store, the managers and employees of the retail store mainly use a money changer.

[0003] The operation procedure of such a money changer is as follows. After the money for money exchange is inserted, the denomination and quantity of the desired money within the range of the amount of the inserted money, for example, 100
Two yen wrapped coins, ten 500 yen loose coins, etc. are sequentially specified, and the designated currency denomination and the number of coins are input by inputting a change start instruction at the time of completion of the designation. Exchange money is thrown out.

[0004] In recent years, customers themselves have counted and stored large amounts of cash, such as sales proceeds from retail stores,
A money receiving machine of the type which presents the counting result to the counter and completes the payment processing at the counter, a so-called lobby-installed money receiving machine, has begun to be installed.

[0005] As an operation procedure of counting and storing in such a money deposit machine, a customer inserts a large number of bills and coins, which are sales proceeds, into input slots and inputs a counting start instruction. When the counting is completed, the counting result is displayed, and the customer confirms the counting result and inputs an approval instruction, thereby storing the counted bills and coins.

[0006]

Generally, when a manager or an employee of a retail store goes to a bank, he or she performs two processes of a deposit process for sales and a currency exchange process for change preparation. There are many.

[0007] In this case, the sales are managed by depositing the amount of the sales into the checking account as sales.
The change is separately prepared as a change for another management. In other words, if the change is deducted from the sales amount and the deposit is made, the amount of the sales amount cannot be specified.
Even if you try to withdraw your change once you have paid in the amount of sales, the lobby-installed money deposit machine does not have a withdrawal function, and it is inconvenient because it becomes a withdrawal process at the window. Customers bring both sales and change reserves to banks. Therefore, there is a problem that cash is required twice and the fund efficiency is low.

[0008] The present invention has been made in view of the above-mentioned points, and it is possible to specify the deposit amount of the deposit currency by performing currency exchange using a part of the deposit amount deposited by the money deposit machine. An object of the present invention is to provide a money transaction system and a money transaction method capable of efficiently operating funds without the necessity of preparing money for exchange separately from money for deposit.

[0009]

A money transaction system according to claim 1, wherein the money transaction system accepts money and deposits money.
And a money receiving machine having a payment processing customer specifying means for specifying a customer to perform payment processing, a money changing means for receiving money and changing money to money of a desired denomination, and a money changing processing customer specifying means for specifying a customer to perform money changing processing. A money changer having
Is a money transaction system connected by communication means, and stores the deposit content including the deposit amount of the money deposited in the money deposit machine in association with customer information specified by the deposit processing customer identification means, Storage means, designation means provided in the money changer, and designation means for designating deposited money use currency exchange to be exchanged using a part of the deposit amount stored in the deposit content storage means; When a use exchange is designated, the exchange processing is performed by the exchange unit using a part of the deposit amount stored in the deposit content storage unit based on the customer information specified by the exchange processing customer identifying unit. And a control unit for subtracting the amount required for the exchange from the amount of money stored in the money content storing means.

[0010] Then, the money depositing machine specifies the customer information and deposits the money, and stores the deposit content including the deposit amount of the money deposited by the money depositing machine in the deposit content storage means in association with the customer information. Then, the money changer specifies the customer information, and when the designated money use money changer is designated by the designation means of the money changer, a part of the deposit amount stored in the deposit content storage means based on the customer information. By using and exchanging money and subtracting the amount required for the exchange from the amount of money stored in the deposit content storage means, it is possible to specify the amount of money for deposit money and separately from the money for deposit. There is no need to prepare money for currency exchange, and efficient use of funds becomes possible.

According to a second aspect of the present invention, there is provided the money transaction system according to the first aspect, wherein one of the money depositing machine and the money changer includes a deposit transaction data of the money depositing machine and a money changing machine. It has a counting means for counting data including data.

[0012] Then, the data including the deposit transaction data of the money deposit machine and the exchange transaction data of the money change machine is compiled by one of the counting means of the money depositing machine and the money changer, thereby facilitating data management.

According to a third aspect of the present invention, there is provided a money transaction method in which a money receiving machine is used to specify a customer to be processed for money processing, and money is processed for money processing. The deposit amount stored in the deposit content storage unit in association with the customer information specified by the deposit machine, the customer to be exchange-processed by the money changer is specified, and the deposit amount stored in the deposit content storage unit corresponding to the specified customer information Is used for currency exchange processing, and the amount required for currency exchange by this money changer is subtracted from the deposit amount stored in the deposit content storage means based on the specified customer information.

[0014] Then, the customer who performs the deposit processing by the money depositing machine is specified, the money is deposited, and the contents of the deposit including the deposit amount of the money to be deposited by the money depositing machine are displayed as customer information specified by the money depositing machine. The customer is stored in the deposit content storage means in association with the customer, and the customer for whom the money changer performs the currency exchange process is specified, and a part of the deposit amount stored in the deposit content storage means corresponding to the specified customer information is used to exchange money Process,
By subtracting the amount required for currency exchange from the amount of money stored in the payment content storage means based on the specified customer information with this money changer, the amount of money for the money for money can be specified, There is no need to separately prepare currency for exchange, and efficient management of funds becomes possible.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a conceptual configuration of the money transaction system.

The money transaction system 11 is provided in a lobby of a financial store such as a bank and has a money depositing machine 12 for performing money deposit processing by a customer's own operation and a money changing machine 13 for performing currency exchange processing. 12 and the money changer 13 are communicably connected by communication means 14 and 15 respectively provided.

The money depositing machine 12 includes a depositing means 16 for accepting and depositing money, a depositing customer specifying means 17 for identifying a customer to be deposited, a storage means 18 for storing data including depositing transaction data, etc., and a depositing money. It has a counting means 19 and a communication means 14 for centrally managing and summing up the data including the deposit transaction data of the machine 12 and the exchange transaction data of the money changer 13.

The money changer 13 receives money and changes money into money of a desired denomination, a money changing customer specifying means 21 for specifying a customer to be processed for money change, and the money deposited by the money depositing machine 12. There is provided a designation unit 22 for designating a deposited money use currency exchange to be exchanged using a part of the storage unit, a storage unit 23 for storing data including exchange transaction data and the like, and a communication unit 15.

At least one of the storage means 18 and 23 stores the contents of the deposit including the amount of money to be deposited in the money deposit machine 12 in association with the customer information specified by the payment processing customer specifying means 17. The content storage means 24 is configured.

Further, when the money changing machine 13 is designated by the money changing machine 13, the money changing machine 13 stores the money stored in the money receiving section based on the customer information specified by the money changing customer specifying means 21.
Currency exchange means 20 using a part of the deposit amount stored in 24
And a control unit 96 for subtracting the amount required for the exchange from the amount of money stored in the money-in-content storage means 24.

Next, FIG. 3 shows a perspective view of the money deposit machine 12, which is installed in a lobby of a bank or the like.
The customer is allowed to perform money deposit processing by himself / herself, and 31 is an airframe, on the upper front side of the airframe 31, a substantially horizontal operation surface 32 on the near side, from the back side of the operation surface 32. An operation surface 33 on the rear side that rises obliquely rearward is formed.

A shutter 34 is provided on one side of the operation surface 32 on the near side.
A bill slot 35 opened and closed by the coin is formed, and a coin slot 37 opened and closed by a shutter 36 is formed on the other side,
Display lamps 38, 39 which are lit or blink when the bills and coins are deposited adjacent to the bill insertion slot 35 and the coin insertion slot 37.
Are arranged.

The operation surface 33 on the back side has a customer operation unit 40 in the center.
The customer operation unit 40 has a display device 41 such as a cathode ray tube or a liquid crystal display, and the surface of a screen 42 of the display device 41 is also used as a touch panel type operation unit. On one side of the display device 41, a handling display section 43 for displaying handling or cancellation, a receipt exit 44 for issuing a receipt printed with customer information and a deposit result, a passbook insertion slot 45 for inserting a passbook, and the like. A display lamp 46 that is turned on or blinks when a passbook is inserted or returned is provided adjacent to the passbook insertion slot 45, and a customer card such as a magnetic card or an IC card is inserted into the other side of the display device 41. A card insertion slot 47 to be inserted is provided.

On one side of the inside of the machine body 31, there is provided a bill receiving section 48 for performing a bill receiving process through a bill inlet 35. On one side of the front of the fuselage 31, the bill return door of the bill depositing section 48
49 is arranged to be openable to the front side with the lower side as a fulcrum,
A display lamp 50 is provided adjacent to the bill return door 49 so as to light or blink when the bill is returned.

On the other side of the body 31, a coin depositing section 51 for depositing coins through a coin slot 37 is provided. On the other side of the front of the fuselage 31, a coin return box of the coin depositing section 51
52 and a coin reject box 53 are provided so as to be able to be pulled out. Adjacent to the coin return box 52 and the coin reject box 53, there are provided display lamps 54 and 55 which are turned on or flashing when returning the coin and when returning the reject coin. ing.

The bill depositing section 48 and the coin depositing section 51 constitute the depositing means 16.

A receipt processing unit 56 for issuing a receipt is arranged inside the receipt outlet 44 inside the machine body 31, and a passbook processing unit 57 for processing the inserted passbook inside the passbook insertion slot 45. A card processing unit 58 that constitutes a payment processing customer identification unit 17 that processes an inserted card and identifies a customer is disposed inside the card insertion slot 47.

On the front of the body 31, a human body for detecting that a customer has entered the area in front of the body 31 and for displaying the reception state on the screen 42 that has been turned off and in a paused state, for example. A detection sensor 59 is provided.

Next, FIG. 4 shows a perspective view of the money changer 13. The money changer 13 is installed in a lobby of a financial store such as a bank and enables a customer to change money by himself / herself. Reference numeral 61 denotes a fuselage. On the front upper portion of the fuselage 61, a substantially horizontal operation surface 62 on the near side and an operation surface 63 on the rear side rising obliquely rearward from the rear side of the operation surface 62 are formed.

The front operation surface 62 has a shutter 64 on one side.
A bill trading port 65 opened and closed by the shutter 66 is formed on the other side, and a wrapped coin trading port 67 opened and closed by a shutter 66 is formed, and bills and coins exchanged adjacent to the bill trading port 65 and the wrapped coin trading port 67 are formed. Indicator lamps 68, 69 that are lit or flashing when a bill is inserted or when bills or wrapped coins are exchanged.
Are arranged.

On the operation surface 63 on the back side, a customer operation unit 70
The customer operation unit 70 has a display device 71 such as a CRT or a liquid crystal display, and the surface of a screen 72 of the display device 71 is also used as a touch panel type operation unit. On one side of the display device 71, a handling display unit 73 for displaying handling or cancellation, a rose coin outlet 75 opened and closed by a shutter 74, and lighted or turned on at the time of dispensing of rose coins adjacent to the rose coin outlet 75. A blinking display lamp 76 is provided, and on the other side of the display device 71, a card insertion slot 77 into which a card for identifying a customer such as a magnetic card or an IC card is inserted is provided.

On one side of the inside of the machine body 61, a bill processing unit 78 for receiving a bill to be exchanged through the bill transaction port 65 and for paying out the bill to be exchanged is provided. On the other side inside the machine body 61, there is provided a wrapping coin processing unit 79 for performing a receiving process of receiving coins to be exchanged through the wrapped coin transaction port 67 and a payout process of the wrapped coins to be exchanged. Inside the body 61, a bulk coin processing unit 81 for dispensing bulk coins required for currency exchange is provided inside the bulk coin outlet 75. The bill processing unit 78, the wrapped coin processing unit 79, and the rose coin processing unit 81 constitute the exchange means 20.

Inside the machine body 61, inside the card insertion slot 77, there is provided a card processing unit 82 which constitutes a currency exchange processing customer identification means 21 for processing inserted cards and identifying customers.

On the front of the body 61, a human body for detecting that a customer has entered the area in front of the body 61 and displaying the reception state on the screen 72 which has been turned off and in a paused state, for example. A detection sensor 83 is provided.

Next, FIG. 2 shows a block diagram of the configuration of the money transaction system.

The money depositing machine 12 has a control section 91 for controlling the deposit processing. The control section 91 includes a customer operation section 40, a receipt processing section 56, a card processing section 58, a passbook processing section 57, a coin depositing section.
51 and the bill depositing unit 48 are connected, and these are the control unit 91
Is controlled by

The control unit 91 stores a control program and processing data, and a storage unit 92 that constitutes the storage unit 18.
And a communication unit 93 constituting the communication means 14. The control unit 91 has a function of a tallying unit 19 that centrally manages and totals the data including the deposit transaction data of the money deposit machine 12 and the exchange transaction data of the money changer 13.

Further, the money changer 13 has a control section 96 for controlling the change processing. The control section 96 includes a customer operation section 70, a card processing section 82, a loose coin processing section 81, and a wrapped coin processing section 79. ,
And the bill processing unit 78 are connected, and these are controlled by the control unit 96.

The control section 96 stores a control program and processing data and a storage section 97 constituting the storage means 23.
And a communication section 98 constituting the communication means 15 are connected. Then, when the designated money use currency exchange is designated by the designation means 22, the control unit 96 determines the amount of the deposit amount stored in the deposit content storage means 24 based on the customer information specified by the exchange processing customer identification means 21. A part of the money is exchanged by the exchange means 20 and the amount required for the exchange is stored in the payment content storage means
It has a function to subtract from the deposit amount stored in 24.

The money receiving machine 12 and the money changing machine 13
Is installed in a lobby of a financial store such as a bank so as to be operable by the customer himself, and is communicably connected to a terminal 102 installed in a counter 101 at the counter and operated by a teller through communication means 14 and 15. ing. Terminal
The printer 102 includes a printer 103 for printing customer information, a payment result, and exchange information, and a monitor 104 for displaying the information.
The terminal 102 installed in the counter 101 is connected to a server or the like.

Next, the operation of the present embodiment will be described.

In general, a customer who has brought the sales proceeds of a retail store to a bank or other financial store lobby inputs the money of the sales proceeds to the money deposit machine 12, performs a deposit process, and uses the money of the desired denomination as a change reserve. Is exchanged by the money changer 13 and brought back. The money deposit machine 12 and the money changer 13 are arranged side by side so that both can be used by a customer.

The depositing process by the money depositing machine 12 and the money changing process by the money changing machine 13 will be described with reference to the flowchart of FIG.

First, the deposit processing by the money deposit machine 12 will be described.

When the customer inserts the card into the money deposit machine 12, the card of the inserted customer is read by the card processing unit 58 (step 1), and the customer is specified from the data stored in the storage unit 92. .

Subsequently, the customer inserts money into the money depositing machine 12 and inputs an instruction to start counting on the screen 42, thereby starting to count the money inserted by the depositing means 16 (step 2). .

During the payment processing, that is, during the counting processing, the screen 42 displays a counting screen. The counting screen displays that counting is being performed, and also displays a change designation button for designating in advance the details of currency exchange in the money changer 13, a count stop button for designating stoppage of counting, and the like.

When the customer designates the exchange button while the counting screen is being displayed on the screen 42, the customer is asked to enter the value shown in FIG.
As shown in the figure, a screen 42 for specifying the exchange content is displayed on the screen 42.
On the exchange content designation screen, a denomination a is displayed in the left screen area, and a plurality of selection buttons b indicating the number of sheets or the number of pieces that can be designated for each denomination and the amount corresponding to the denomination are displayed in the right screen area. Between the seed a and the selection button b, a selected price display section c for adding and displaying the corresponding price every time the selection button b is designated is displayed. Further, in the upper screen area of the exchange content designation screen, the exchange limit display section d for displaying the exchange limit,
A designated exchange amount display unit e for displaying a designated exchange amount which is the total amount displayed on the selected amount display unit c, a designated exchange stop button f for designating cancellation of designated exchange, and an end of designation of exchange contents. Is displayed.

Then, the customer designates the selection button b corresponding to the exchange of money into a desired denomination while viewing the exchange specification screen on the screen 42. Each time the selection button b is designated, the corresponding amount is displayed in the corresponding selected amount display section c.
, And also displayed on the designated exchange amount display section e. By ending the specification of the exchange content and operating the end button g, the specification of the exchange content is ended.

When the counting of the deposited money by the depositing means 16 is completed, a confirmation screen is displayed on the screen 42 as shown in FIG. This confirmation screen indicates that counting has been completed,
An end button h for designating the end of the deposit processing and a currency exchange button i for designating that the exchange is deducted from the current deposit amount are displayed (step 3).

If the customer does not change money by subtracting the money from the current deposit and the end button h is designated by the customer (step 4), the money receiving transaction is terminated (step 5) and inserted. The card is returned and a receipt is issued as a receipt (step 6), and the data is transferred to the terminal 102 of the counter 101 (step 7). The data to be transferred includes customer data, payment total data, payment details data, serial number data of the money receiving machine 12, and the like.

The teller who operates the terminal 102 receives the receipt from the customer who has performed the deposit processing and performs the bookkeeping processing (step 8), thereby terminating the deposit processing.

If the customer desires to use the deposited money to exchange money by subtracting the exchange money from the current deposit amount, and if the customer designates the exchange button i, the payment transaction is terminated (step 9). Then, the data is transferred to the money changer 13 (step 10). The data to be transferred includes customer data, payment total data, payment details data, serial number data of the money receiving machine 12, and the like. Further, the inserted card is returned.

It is to be noted that the designation of money exchange using deposited money can be performed whether or not the content of the money change is specified.

Next, a description will be given of a currency exchange process by the currency exchange machine 13.

In the money changer 13, a reception screen is displayed on the screen 72 as shown in FIG. In this reception screen, while indicating to guide the insertion of the currency for exchange, the designation means for designating the deposited money use currency exchange to be exchanged using a part of the deposit amount stored in the deposit content storage means 24 A deposited money use exchange button j constituting 22 and a stop button k for instructing stop of the exchange processing are displayed.

If the customer who has previously specified the currency exchange contents on the money deposit machine 12 has operated the designated money use currency exchange button j on the reception screen of the screen 72, as shown in FIG. Display the card insertion instruction screen. On this card insertion instruction screen, a display for guiding the insertion of the customer's card is displayed, and a stop button l for instructing to stop the exchange processing is displayed.

When the customer inserts the card into the money changer 13, the card of the inserted customer is read by the card processing section 82 (step 11), and the customer is specified from the data stored in the storage section 97. In addition, the payment content corresponding to the specified customer is read from the storage unit 97, that is, the payment content storage unit 24, and the exchange content corresponding to the specified customer is read from the storage unit 97 when the exchange content is specified in advance. . At this time, if the storage unit 97 of the money changer 13 constitutes the payment content storage means 24, the reading of the payment content is faster and the processing time is shortened, for example, as compared with the case of reading from another storage unit via a network. it can.

By reading out the payment contents and the exchange contents corresponding to the customer information, as shown in FIG.
To display the exchange content readout screen, and accept the customer's confirmation of the exchange content and additional designation (step 12). On this exchange content designation screen, as in the exchange content designation screen of the screen 42 of the money deposit machine 12 shown in FIG. 6, a denomination a, a selection button b, a selected amount display section c, and a designated exchange amount e are displayed. ,
In the selected amount display section c and the designated exchange amount e, the amount corresponding to the exchange content specified in advance is displayed. Further, a deposit amount m for displaying the deposit amount of the currency for exchange, a cancel button n for designating cancellation of the currency exchange content, a correction button o for designating correction of the currency exchange content, and an additional deposit of currency for exchange are designated. And a balance change button q for designating balance change.

The customer designates the remaining money exchange button q when the displayed exchange content is acceptable, and designates the selection button b corresponding to exchange of money into a desired denomination when an additional designation is desired. Manipulate. If you want to cancel the exchange details, specify the cancel button n to specify the new exchange details, and if you want to correct the specified exchange details, specify the correct button o to add the exchange currency. Is operated by designating the additional deposit button p (step 13).

Note that even when the money changer 12 has not previously specified the content of exchange, the exchange content reading screen shown in FIG. 10 is displayed so that the content of exchange can be designated.

When the contents of the exchange are confirmed, exchange processing is performed by the exchange means 20 based on the exchange contents, and the exchange currency is dispensed (step 14). Then, the amount required for the exchange is subtracted from the amount of money stored in the money-in-content storage means 24.

Upon completion of the exchange process (step 15), a process for ending the exchange process is performed (step 16), and the inserted card is returned and a receipt is issued as a reception slip when continuing from the deposit process. (Step 1
7).

Further, the data is transmitted to the terminal 102 of the counter 101.
(Step 18). The data to be transferred to the terminal 102 of the counter 101 include customer data, total deposit data of the money deposit machine 12 and the money changer 13, deposit details data of the money deposit machine 12 and the money changer 13, money deposit machine 12 and the money It includes serial number data of the exchange machine 13, exchange amount data, and the like.

The teller operating the terminal 102 receives the receipt from the customer who has performed the depositing process or the exchange process following the depositing process and performs the bookkeeping process (step 1).
9), a series of exchange processing following the exchange processing or the deposit processing is completed.

As described above, the money depositing machine 12 specifies the customer information and deposits the money, and associates the deposit content including the deposit amount of the money deposited by the money depositing machine 12 with the customer information and deposits the money. Stored in the contents storage means 24, the customer information is specified in the money changer 13, and when the received money use money exchange is designated by the designation means 22 of the money changer 13, it is stored in the deposit contents storage means 24 based on the customer information. In order to exchange money using a part of the stored deposit amount and to subtract the amount required for the exchange from the deposit amount stored in the deposit content storage means 24, it is possible to specify the deposit amount of the deposit currency Therefore, there is no need to prepare money for exchange separately from money for deposit, and funds can be efficiently used.

By designating the tallying means 19 of the money depositing machine 12, the data including the depositing transaction data of the money depositing machine 12 and the exchange transaction data of the money changing machine 13 are totaled, and the totaled data is transferred or output. It can be printed out as a receipt. Therefore, the money changer 13
Data can be centrally managed and data management can be facilitated.
The counting means 19 can be provided on the money changer 13 side.

Note that the deposit content storage means 24 is a money deposit machine.
It may be provided on either the 12 side, the money changer 13 side, or the server side of the network.

[0070]

According to the money transaction system of the present invention, the money deposit machine specifies the customer information and deposits the money, and the deposit contents including the deposit amount of the money deposited by the money deposit machine. Is stored in the deposit content storage means in association with the customer information, and the money changer specifies the customer information, and when the deposit money use exchange is designated by the designation means of the currency change machine, the deposit content is stored based on the customer information. It is possible to exchange money using a part of the deposit amount stored in the means and to subtract the amount necessary for the exchange from the deposit amount stored in the deposit content storage means, so that the deposit amount of the deposit currency can be specified. At the same time, there is no need to prepare money for exchange separately from the money for deposit, and funds can be efficiently used.

According to the money transaction system of the second aspect, in addition to the effect of the money transaction system of the first aspect,
The data including the deposit transaction data of the money deposit machine and the exchange transaction data of the currency change machine can be tabulated by any one of the counting means of the money deposit machine and the money changer, thereby facilitating data management.

According to the money transaction method of the present invention, the customer receiving the money by the money depositing machine is specified, and the money is deposited, and the contents of the deposit including the money deposited by the money depositing machine. Is stored in the deposit content storage means in association with the customer information specified by the money deposit machine, and the customer to be subjected to the currency exchange processing by the money changer is specified and stored in the deposit content storage means corresponding to the specified customer information. Currency exchange processing using a part of the deposit amount, in order to subtract from the deposit amount stored in the deposit content storage means based on the customer information specified in the money changer based on the customer information specified,
The deposit amount of the money for deposit can be specified, and there is no need to separately prepare currency for exchange, so that funds can be efficiently used.

[Brief description of the drawings]

FIG. 1 shows an embodiment of a money transaction system and a money transaction method of the present invention, and is a block diagram of a conceptual configuration of the money transaction system.

FIG. 2 is a block diagram showing a configuration of the money transaction system.

FIG. 3 is a perspective view of a money depositing machine of the money transaction system.

FIG. 4 is a perspective view of a money changer of the money transaction system.

FIG. 5 is a flowchart illustrating a processing operation of the money transaction system.

FIG. 6 is an explanatory diagram of a currency change designation screen of the money deposit machine.

FIG. 7 is an explanatory diagram of a confirmation screen of the money deposit machine.

FIG. 8 is an explanatory diagram of a reception screen of the currency exchange machine.

FIG. 9 is an explanatory diagram of a card insertion instruction screen of the currency exchange machine.

FIG. 10 is an explanatory diagram of a currency exchange content reading screen of the currency exchange machine.

[Explanation of symbols]

 11 Money transaction system 12 Money deposit machine 13 Money changer 14, 15 Communication means 16 Deposit means 17 Deposit processing customer identification means 19 Aggregation means 20 Currency exchange means 21 Currency exchange customer identification means 22 Designation means 24 Deposit contents storage means 96 Control unit

Continuation of the front page F term (reference) 3E040 AA01 AA04 AA07 AA08 BA03 BA18 BA20 CA09 CA12 CA14 CB05 EA10

Claims (3)

[Claims] Claims: 1. A money receiving machine having money receiving means for receiving and processing money for receiving money, and a money receiving machine having a payment processing customer specifying means for specifying a customer to be processed for money processing, and a money changing means for receiving money and converting money into money of a desired denomination. And a money changing machine having a money changing processing customer specifying means for specifying a customer to perform money changing processing, and a money transaction system connected by a communication means, wherein the money receiving machine includes a money deposited amount to be paid to the money receiving machine. Deposit content storage means for storing the content in association with customer information specified by the payment processing customer identification means, and a part of the deposit amount provided in the money changer and stored in the deposit content storage means Means for designating the deposited money use currency exchange to be exchanged and, when the designated money use currency exchange is designated by the designation means, based on the customer information specified by the currency exchange customer identification means. Control for changing the money by the money changing means using a part of the money stored in the money storing means and subtracting the money required for the money changing from the money stored in the money storing means. A money transaction system comprising: 2. One of the money deposit machine and the money changer has a counting means for counting data including deposit transaction data of the money deposit machine and currency exchange data of the money changer. The money transaction system according to claim 1. 3. A customer receiving money specified by the money depositing machine by specifying a customer to be paid by the money depositing machine and depositing money by the money depositing machine. The customer is stored in the deposit content storage means in association with the customer, and the customer to be exchanged by the money changer is specified, and the money is exchanged using a part of the deposit amount stored in the deposit content storage means corresponding to the specified customer information. A money transaction method comprising: processing and subtracting an amount required for currency exchange by the currency exchange machine from an amount of money stored in the money-in-content storage means based on the specified customer information.