JP2003346222A - Substitute denomination dispensing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To dispense a bill of different denomination as a substitute together with a fed bill when bill feeding shortage or bill feeding abnormality occurs. <P>SOLUTION: When bill feeding shortage or bill feeding abnormality occurs at feeding of dispensed bills (104), it is examined whether substitute dispense can be performed with the bill of different denomination together with the fed bills or not (101). When it is impossible, the fact that dispense transaction cannot be performed is displayed (108). When it is possible, a selection screen whether substitute dispensing with the bill of the different denomination is performed or not is displayed (108). When bill feeding shortage or bill feeding abnormality occurs, the bill of different denomination is dispensed as the substitute together with the fed bill and dispensing transaction can be performed without cancelling it. Thus, service to a customer can be enhanced. <P>COPYRIGHT: (C)2004,JPO

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a dispensing method for an apparatus capable of dispensing bills of a plurality of currencies by a cash dispenser installed in a financial institution or the like.

[0002]

2. Description of the Related Art Conventionally, as in the case of HT-2804 / WATM for the Industrial and Commercial Bank of China of Hitachi, in the case of dispensing bills to be dispensed, if there is a shortage of dispensed bills or an abnormality in the apparatus, the same amount of money can be dispensed. In some cases, cash was disbursed instead of a small, denominated bill.

[0003] Further, as a technique for exchanging money with an automatic transaction apparatus, there is an automatic transaction apparatus described in Japanese Patent Laid-Open No. 2000-113285, which is capable of exchanging foreign currency input at a rate obtained from a host and depositing the money. Was.

[0004]

A problem with the prior art is that when an automatic transaction apparatus dispenses withdrawal banknotes and the banknotes cannot be dispensed due to a shortage of the banknotes or an abnormality in the apparatus, the same denomination is small. Only replacement at face value was considered, and if there was no small denomination of the same denomination, replacement withdrawal was not possible, and the withdrawal transaction had to be interrupted.

[0005] In addition, when the denomination that the customer has selected to withdraw cannot be dispensed due to a shortage of bills or a device abnormality, the customer has to give up dispensing and use another device.

[0006] As a conventional exchange technique in an automatic transaction apparatus, the automatic transaction apparatus replaces the exchange business performed at a counter, and the exchange function of the automatic transaction apparatus is used only when the customer uses the purpose of the exchange transaction. Was not available.

[0007]

In an automatic machine capable of dispensing banknotes of a plurality of currencies, it is possible to pay out banknotes when it becomes impossible to pay out banknotes due to a shortage of banknotes or an abnormality in the apparatus. Ask the host for the rate of the different denomination,
The rate of the different denominations that can be withdrawn, the amount of the different denominations to be replaced, the fee, and the total amount debited to the account are displayed on the screen, and the user is asked whether to replace the shortfall with the denominated denomination. It is intended to provide a method of making an inquiry and dispensing together with the fed-out banknotes or all the alternative banknotes when the user desires replacement with a different denomination banknote.

[0008]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, an embodiment of claim 1 of the present invention will be described with an example of an automatic machine capable of withdrawing Hong Kong dollars and RMB.
This will be described with reference to FIGS.

FIG. 1 shows a hardware configuration diagram of the present embodiment. 101 is a CPU that executes the program of the present invention;
Reference numeral 102 denotes a main storage device for temporarily storing the program of the present invention and data for arithmetic processing, and reference numeral 103 denotes an external storage device for storing the program of the present invention. Reference numeral 104 denotes a cash control device for dispensing banknotes, and the inside thereof stores 111 and 112 for 100 yuan banknotes and 100 Hong Kong dollar banknotes, respectively.
It is composed of a bill cassette. Reference numeral 105 denotes a card reader device for reading card information. A communication device 106 connects to the host computer 110 and transmits and receives information. The host computer 110 manages customer information such as balances and the latest rates. Also, 1
Reference numeral 09 denotes a touch panel display, which includes a display device 107 for displaying an output result to a customer and an input device 108 for a user to input information.

FIG. 2 and FIG. 3 show display contents at 108 and customer input contents at 107. A button is displayed at 108 to allow the customer to make a selection. When the customer touches the displayed button, the customer 107 reads as having input.

In the state of waiting for a customer, a screen 201 is displayed on 108.
And wait for the customer to insert the card into 105.
The information of the screen displayed at 108 is stored in 103 and is read out sequentially.

At this time, it is assumed that an attempt is made to withdraw cash using a card in a RMB account. When the customer inserts the card into 105, 105 reads the card information and stores the card information in 102. Also, the card 101 determines from the card information that the card is a card only for the RMB account, and stores in the card 102 that the denomination that can be traded is only the RMB.

Next, a screen 202 is displayed at 108 to wait for input of a password. It is determined that the input is completed when the four-digit password is input. When the customer selects item 01 and completes input of the four-digit password, the password is stored in 102.

Next, a screen 203 is displayed at 108 to wait for selection of a transaction. The customer selects item 02 and stores the fact that the transaction is a withdrawal transaction in 102.

Next, a screen 204 is displayed at 108 to wait for the selection of a denomination to be dispensed. Since the denominable denomination is RMB and the Hong Kong dollar is not transactable, item 03 is displayed but item 04 is not displayed. The customer selects item 03 and stores in the 102 that the withdrawal is in RMB.

Next, a screen 205 is displayed at 108 to wait for an input of a withdrawal amount. The customer enters 4,000 yuan in item 05,
The withdrawal amount is stored in 102.

At this point, the customer input is completed and the screen 20
6 is displayed to make the customer wait for the end of the processing. The information 106 such as the account number, password, transaction type, and amount of money stored in 102 is transmitted to the host computer (110), and the host computer (110) transmits a response of withdrawal permission to 106. In step 101, since the receipt of the withdrawal permission is received in step 106, the system causes 104 to pay out 40 bills of 100 yuan. However, at this time, when 27 bills of 100 yuan have been paid out, 111 bills of 100 yuan become empty, and the remaining 1,300 bills
It is assumed that the original cannot be extended.

In the prior art, the withdrawal transaction is stopped because there is no small denomination bill of the same denomination in the apparatus, but in this embodiment, the alternative denomination withdrawal which is a feature of the present invention is performed. In this case, the shortfall is replaced with another banknote of a different denomination. FIG. 4 shows the processing flow.

At step 301, the feeding of bills is started, and if a bill feeding abnormality occurs at step 302, it is confirmed at step 303 whether there is a bill of a different kind that can be fed. At this time, since there is a different denomination banknote that can be paid out at 112, HK $ 100 can be acquired from 112 as a different denomination that can be paid out at step 304.

In step 305, the rate R of RMB to Hong Kong dollar and the fee C for exchange are obtained from 110, and the rate R
= 0.9124 (1 yuan = HK $ 0.9124) and commission C = 0.25 yuan.

In step 306, using the rate, the minimum Hong Kong dollar withdrawal amount Pa that can compensate for the shortfall amount M that has been paid out.
And the maximum Hong Kong dollar withdrawal amount Pb that can be withdrawn within the range of the withdrawal shortfall amount M. Since there are differences between customers depending on the customer, "a minimum amount of RMB 4,000 is required" and "I do not want to withdraw more than RMB 4,000 from the RMB account", the withdrawal amounts of two types of patterns are calculated.

The Hong Kong dollar withdrawal amount Pa is the amount obtained by rounding up the shortage amount M × rate R in units of HK $ 100, and the Hong Kong dollar withdrawal amount Pa = 1,200 HK $. At this time, the total withdrawal amount from the RMB account is the Hong Kong dollar withdrawal amount Pa レ ー ト the rate R + the paid out RMB bill amount + commission C = 4015.46 yuan.

The Hong Kong dollar withdrawal amount Pb is the amount obtained by rounding off the (delivery shortage amount M-commission C) × rate R in units of HK $ 100, and the Hong Kong dollar withdrawal amount Pb = 1,
It will be HK $ 100. The total amount debited from the RMB account at this time is: Hong Kong dollar withdrawal amount Pa レ ー ト Rate R + Deposited RMB banknote amount + Commission C = 3095.86 RMB.

In step 307, a screen 207 displays the amount of shortage to be paid, the amount of substitute withdrawal, the rate, the fee, and the total withdrawal amount.
And await the choice between making an alternative withdrawal at HK $ 1,200, making an alternative withdrawal at HK $ 1,100, or canceling the withdrawal itself. The customer looks at the display and judges that the alternative withdrawal of HK $ 1,200 is sufficient, and selects item 06. At step 308, the customer proceeds to the alternative withdrawal process of HK $.

In step 309, the host computer (110) is inquired about permission / rejection of alternative withdrawal in Hong Kong dollar. The host computer (11
If the response (310) of 0) is rejection, step 31
Withdrawal processing is performed in step 4, and the withdrawal is interrupted. If the response (310) of the host computer (110) is permitted, the payout of Hong Kong dollar bills is started in step 311. If the Hong Kong dollar bill is paid out normally (31
2) In step 313, the screen 208 is displayed, and the customer receives the fed RMB bill and the Hong Kong dollar bill.

In this embodiment, with the conventional technique, when the bill cannot be dispensed, the fact that the dispensing transaction cannot be performed is presented to the customer and the dispensing is stopped, which is a feature of the present patent. With the dispensing of alternative denominations, alternative dispensing with banknotes of different denominations can be performed and the dispensing transaction can be successful.

Hereinafter, a second embodiment of the present invention will be described with reference to FIGS. 1 to 3 and 5, using an automatic machine capable of withdrawing Hong Kong dollars and RMB.

The hardware configuration of FIG. 1 is the same as that of the first embodiment. However, since there is no bill in 111, it is impossible to withdraw RMB bills, and in 112, there is a bill and Hong Kong dollar bills can be withdrawn. And

In FIG. 2 also, in the embodiment of claim 1,
"Next, a screen 203 is displayed at 108 and awaiting the selection of a transaction. The customer selects item 02 and indicates that the transaction is a withdrawal transaction.
Stored in 2. It is assumed that the processing has proceeded in the same way up to "."

Next, it is attempted to display the screen 204 at 108. Although the denomination that the customer can trade is only RMB, there is no RMB that can be withdrawn because there is no bill at 111. .

In the prior art, the withdrawal transaction is stopped by displaying a screen informing the customer that the withdrawal is impossible, and the withdrawal transaction is stopped. Since the alternative denomination can be withdrawn, 101 is displayed on the screen 20.
4 is displayed. The customer selects item 03 and stores the fact that the withdrawal is in RMB in 102.

Next, a screen 205 is displayed at 108 to wait for the input of the requested withdrawal amount. The customer enters 4,000 yuan in item 05 and stores the withdrawal request amount in 102.

At this time, the screen 206 is displayed, and alternative dispensing with banknotes of a different denomination is performed. FIG. 5 shows the processing flow.

In step 401, a HK $ 100 bill can be obtained from 112 as a different kind of money that can be paid out. In step 402, the rate R of RMB to Hong Kong dollar and the commission C for exchange are obtained from 110, and the rate R = 0.9124 (1 yuan = 0.
9124 Hong Kong dollars) and the fee C = 0.25 yuan.

In step 403, using the rate, the minimum Hong Kong dollar withdrawal amount Pa that can compensate the withdrawal request amount M and the maximum Hong Kong dollar withdrawal amount Pb that can be withdrawn within the withdrawal request amount M are determined. calculate. Since there are differences between customers depending on the customer, "a minimum amount of RMB 4,000 is required" and "I do not want to withdraw more than RMB 4,000 from the RMB account", the withdrawal amounts of two types of patterns are calculated.

The Hong Kong dollar withdrawal amount Pa is the withdrawal request amount M
× Rate R is the amount rounded up to the nearest HK $ 100, and the HK $ withdrawal amount Pa = 3,700 HK $. The total amount debited from the RMB account at this time is Hong Kong dollar withdrawal amount Pa ÷ rate R + commission C = 4055.48 yuan.

The Hong Kong dollar withdrawal amount Pb is the amount obtained by rounding down (withdrawal request amount M-commission C) x the rate R in units of 100 Hong Kong dollars, and the Hong Kong dollar withdrawal amount Pb = 3,600.
Hong Kong dollar. The total amount deducted from the RMB account at this time is the Hong Kong dollar withdrawal amount Pa ÷ Rate R + Commission C =
It is 3945.88 yuan.

In step 404, a screen 209 is displayed for the requested withdrawal amount, the substitute withdrawal amount, the rate, the commission, and the total withdrawal amount, and whether the substitute withdrawal is performed at HK $ 3,700 or the alternative withdrawal is performed at HK $ 3,600. Wait for a choice to cancel the withdrawal itself. The customer sees the display, judges that the alternative withdrawal of HK $ 3,700 is sufficient, and selects item 07, and in step 405, shifts to the alternative withdrawal process of HK $.

In step 406, the host computer (110) is inquired about permission / refusal of alternative withdrawal in Hong Kong dollar. If the response (407) of 110 is rejected due to lack of balance or the like, withdrawal stop processing is performed in step 411, and the withdrawal is interrupted. If the response (407) to 110 is permitted, the payout of Hong Kong dollar bills is started in step 408. If the Hong Kong dollar bill is paid out normally (4
09) In step 410, the screen 210 is displayed, and the customer receives the fed Hong Kong dollar bill.

In this embodiment, in the prior art, when the customer selects the withdrawal transaction, the fact that the withdrawal transaction in RMB is not possible is presented to the customer and the withdrawal is stopped, or the withdrawal itself is started from the beginning. Is excluded from the transaction, but with the alternative denomination dispensing, which is a feature of the present patent, the dispensing transaction can be successfully performed by performing an alternative dispensing with a banknote of a different denomination. In addition, automatic machines will guide customers to exchange money if necessary,
The customer can use the automatic currency exchange function without being aware of it. From these facts, it can be said that in a region where a plurality of currencies are circulated on a daily basis, the alternative denomination withdrawal which is a feature of the present patent can be utilized to a great extent, leading to an improvement in service to customers.

[0041]

According to the present invention, when an automatic machine capable of depositing and dispensing bills of a plurality of currencies is used, when a dispensing bill is insufficient or a bill dispensing abnormality occurs when a dispensing bill is dispensed, the customer can choose whether to substitute for another bill. And if the customer wishes to substitute, by replacing it with a banknote that has been paid out and using another type of banknote and dispensing it, it is possible to complete the transaction without stopping the withdrawal transaction and provide services to the customer Can be improved.

[Brief description of the drawings]

FIG. 1 is a hardware configuration diagram of an embodiment of the present invention.

FIG. 2 is a screen transition diagram of the cash transaction apparatus according to the embodiment of the present invention.

FIG. 3 is a screen transition diagram of the cash transaction apparatus according to the embodiment of the present invention.

FIG. 4 is a flowchart illustrating an embodiment of the present invention, which determines whether or not an alternative payment can be made by a different denomination.

FIG. 5 is a flowchart illustrating an embodiment of the present invention, which determines whether alternative payment can be made by different kinds of money.

Claims (2)

[Claims] Claims: 1. In a cash dispenser capable of dispensing bills of a plurality of currencies, when a dispensing bill requested by a customer is dispensed, if the dispensing is not possible due to a shortage of the dispensing bill or an abnormality in an apparatus, Inquires the host about the rate of the different denominations that can be withdrawn, displays on the screen the rate of the different denominations that can be withdrawn, the amount of the alternative denomination, the commission, and the total amount debited to the account, and exchanges the shortfall Asks the user whether or not to make an alternative withdrawal with a different denomination, and if the user desires an alternative withdrawal with a different denomination, substitutes and dispenses with a banknote of a different denomination along with the fed banknote An alternative denomination withdrawal method. 2. In an automatic machine capable of dispensing banknotes of a plurality of currencies, if the denomination requested by the customer cannot be dispensed due to a shortage of bills or an abnormality in the apparatus, etc. The method according to claim 1, wherein the user is inquired as to whether the alternative withdrawal is to be made only with the denomination, and if the user wishes to make an alternative withdrawal with a different denomination, the deposit is substituted with a banknote of a different denomination. The alternative denomination withdrawal method described in 1.