JP2005190056A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for paying out specific paper money such as new bank notes to many customers even when the supply quantity of the specific paper money such as new bank notes is small in an automatic teller machine. <P>SOLUTION: This automatic teller machine is provided with a specific bank note storage container in which specific paper money such as new bank notes are stored and a general bank note storage container in which general paper money is stored. When a customer requests the withdrawal of the specific paper money in dispensing transaction, the number of the specific paper money to be paid out is decided on the basis of the transaction information of the customer. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine, a cash dispenser, and a money changer capable of paying out a specific bill such as a new bill.

Conventional automatic teller machines that can dispense specific banknotes such as new bills, store new bills in a supplementary collection cassette, and store general banknotes other than new bills in denomination safes to meet customer requirements. Accordingly, the new bill is paid out from the replenishment collection cassette and paid out. When all the new bills in the replenishment collection cassette are paid out, the payout of the new bill is stopped (see, for example, Patent Document 1).
Japanese Patent Laid-Open No. 7-282320 (page 3, left column, line 20-right column, line 33, FIGS. 1 and 2)

  However, in the above-described conventional technology, new bills that are new bills or wrinkles with no wrinkles are paid out as specific bills as requested by a customer who uses an automatic teller machine, and all new bills are paid out. Since we are dealing with general banknotes (general banknotes, generally called banknotes, and banknotes when referring to specific banknotes and general banknotes) that are generally distributed in the market, When the supply amount of bills is small, even if a new bill is set in the cash dispenser at the start of business, the new bill disappears early in the morning, and the customer who visited the store later needs a new bill There is a problem that it becomes impossible to pay out new bills.

  The present invention has been made to solve the above problems, and even when the supply amount of specific bills such as new bills is small, it is possible to pay out specific bills such as new bills to many customers. It aims at providing the means which can do.

  In order to solve the above problems, the present invention provides an automatic transaction apparatus including a specific ticket storage for storing specific banknotes and a general ticket storage for storing general banknotes, when a customer requests to pay out specific banknotes. In addition, the number of the specific banknotes to be paid out is determined based on the transaction information of the customer.

  Thereby, this invention can suppress the new bill paid out to a customer, and the effect that specific banknotes, such as a new bill, can be paid out to many customers is acquired.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a flowchart showing a new bill payment transaction process according to the first embodiment, FIG. 2 is a block diagram showing an automatic teller machine according to the first embodiment, and FIG. 3 is an explanatory diagram showing a banknote depositing / withdrawing unit according to the first embodiment.
In FIG. 2, reference numeral 1 denotes an automatic teller machine as an automatic transaction apparatus, which is installed in a store such as an ATM corner or an unmanned booth of a financial institution such as a bank or a convenience store (referred to as a financial institution). Maintains a ledger file that stores customer information such as the account number of the customer's account, its PIN, account balance, etc., and manages the customer's account. Do.

Reference numeral 2 denotes a main control unit of the automatic teller machine 1, which controls each part in the automatic teller machine 1 to perform transactions with customers and connects to a host computer (not shown) via a communication line. It also controls data communication.
A storage unit 3 stores a program executed by the main control unit 2, a processing result by the main control unit 2, and the like.

Reference numeral 4 denotes a customer operation unit, which is provided on the front side of the automatic teller machine 1 and is composed of a combination of a display screen such as a CRT or LCD and a position signal detecting means such as a touch panel. And the like, while the position signal detection means accepts the selection of the transaction from the customer and the input of the amount.
A card handling unit 5 has a function of reading and writing card information recorded on a transaction card such as an inserted customer's cash card and printing a transaction statement.

  The transaction card of this embodiment is a contact type or non-contact type information recording medium, for example, an IC card, and an account information recording area for recording account information such as an account number of a customer's account in the recording unit and a regular period There is a transaction information recording area to record transaction information such as deposit amount, gold card existence, salary transfer existence, utility fee automatic withdrawal contract, etc., and account information and transaction information as card information respectively Is recorded in the area.

For this reason, the card handling unit 5 of the present embodiment is provided with a function for reading / writing card information recorded in the recording unit of the IC card by contact or non-contact means alone or in addition to the magnetic data reading function. Yes.
A passbook handling unit 6 has a function of reading and writing the passbook information recorded in the magnetic stripe of the inserted customer's passbook and writing the transaction contents in the customer's passbook.

Reference numeral 7 denotes a banknote deposit / withdrawal unit that accepts banknotes inserted by a customer, discriminates and counts them, stores them, and discharges banknotes to be paid out to customers.
Reference numeral 8 denotes an attendant operation unit, which is provided on the back side of the automatic teller machine 1 and is composed of a combination of a display screen such as a CRT or LCD and a position signal detection means such as a touch panel. A job selection screen or the like for selecting a job such as charging or blocking, banknote replenishment or collection is displayed, and the position signal detection means accepts an input from a staff member.

In addition to the above, the automatic teller machine 1 may be provided with a coin deposit / withdrawal unit for handling coins in the same manner as the banknote deposit / withdrawal unit 7.
In FIG. 3, 11 is a banknote deposit / withdrawal port of the banknote depositing / withdrawing part 7, and accepts the banknote which a customer throws in, and discharges the banknote paid out to a customer.
Reference numeral 12 denotes a discrimination unit, in which denomination identification information for identifying a banknote to be identified is registered, and the authenticity or damage of the banknote fed from the banknote deposit / withdrawal port 11 and transported by the transport paths 13a and 13b. It has a function of discriminating denominations and conveyance abnormalities such as double feeding and skewing and counting the number of sheets.

The conveyance paths 13a and 13b are conveyance paths that convey a banknote between a pair of opposed belts or a pair of rollers. The same applies to the conveyance paths 13c, 13d, 13e, 13f, 13g, 13h, 13k, and 13m.
Reference numerals 14a, 14b, and 14c denote denomination / deposit safes, each of which has a function of storing banknotes of the set denominations and feeding out banknotes to be paid out to customers to the transport path 13g.

In the present embodiment, it functions as a general ticket storage for storing general tickets, and 10,000 yen banknotes (referred to as 10,000 tickets) are stored in the money-type deposit / withdrawal safes 14a and 14b, and the money-type deposit / withdrawal safe 14c. A general ticket of a thousand yen bill (referred to as a thousand ticket) is stored.
Reference numeral 15 denotes a replenishment / collection cassette, which is detachably attached to the automatic teller machine 1, and the loaded banknotes are denominated deposit / withdrawal safes 14a, 14b, 14c (referred to collectively as denomination / deposit safe 14). ) And for collecting banknotes stored in the denomination safe deposit box 14.

In this embodiment, the boundary identification ticket for indicating the boundary between the general ticket and the new bill is the 10,000, 1,000 general ticket and the new 10,000 bill as the specific banknote to be replenished in the money-type deposit / deposit safe 14. Is inserted in front of the general ticket, and after the replenishment processing of the general ticket to the automatic teller machine 1 is completed, it functions as a specific ticket storage for storing the specific banknote.
Reference numeral 16 denotes a temporary stacking unit. The customer inserts the bill into the banknote deposit / withdrawal port 11 in the deposit process, accumulates and temporarily stores the banknotes discriminated from the genuine bill in the discrimination unit 12, and pays out to the customer in the deposit process. Accumulate banknotes.

The operation of the above configuration will be described.
In the storage unit 3 of the automatic teller machine 1 according to the present embodiment, in order to pay out a new bill to a normal “transaction processing execution program” based on the remaining amount of the new bill and the customer transaction information in response to the customer's request. The “business execution program” to which the new bill payment transaction processing subprogram is added is stored in advance.
In addition to the above, the storage unit 3 determines the customer's superiority based on the reference remaining amount and the customer's transaction information for determining the number of new bills stored in the replenishment / collection cassette 15. Stores good customer criteria.

Good customers are, for example, customers whose fixed deposit amount is more than the standard amount, gold card owners, contractors of automatic withdrawals such as salary transfer and public charges, etc. Yes.
In the present embodiment, a maintenance person such as a financial institution or a staff member such as a bank employee or a store clerk replenishes the automatic teller machine 1 with banknotes using the replenishment / collection cassette 15 before starting business or during regular patrols.

  That is, when the clerk attaches the replenishment collection cassette 15 loaded with the general ticket and the new bill to the automatic teller machine 1 and presses the “supplement” button from the job selection screen displayed on the screen of the clerk operation unit 8, The main control unit 2 that has detected this picks up the general and ten thousand tickets that are loaded in the front from the replenishment / recovery cassette 15 that is mounted, and conveys them to the discrimination unit 12 through the conveyance paths 13e, 13k, 13a, and 13b. Then, the general ticket identified according to the denomination setting of the denomination input / output safe 14 based on the result of the discrimination is transported to and stored in each denomination safe deposit 14 by the transport paths 13c and 13g.

And if the identification card | curd discriminating between the border of a general ticket and a new bill is discriminated by the discrimination part 12, the completion | finish of a general ticket will be recognized and the boundary identification ticket will be conveyed from the discrimination part 12 to conveyance path 13c, 13d, 13m. To the replenishment collection cassette 15 and stored at the end of the new bill. As a result, the replenishment / collection cassette 15 functions as a specific ticket storage box storing new bills.
For this reason, it is desirable that the replenishment / collection cassette 15 of the present embodiment is a horizontal type, but even if it is a vertical type, it is possible to store a newly stored banknote at the end of the stored banknote. Good.

The number of new bills loaded in the replenishment collection cassette 15 is input by the clerk through the clerk operation unit 8, and the main control unit 2 that has recognized this stores the number in the storage unit 3 as the remaining amount of new bills. Each time a new bill is paid out, the remaining amount is managed while updating the number of remaining new bills.
The boundary identification ticket stored at the end of the new bill is used as means for recognizing that all the new bills have been paid out.

  When the clerk presses the “collect” button from the job selection screen displayed on the screen of the clerk operation unit 8 in order to collect banknotes from the automatic teller machine 1, the main control unit 2 that detects this presses the money The banknotes stored in the type deposit / withdrawal bank 14 are fed out and transported to the replenishment / collection cassette 15 through the transport paths 13g, 13f, 13b, and the discrimination sections 12, 13c, 13d, 13m, and stored at the end of the stored banknotes. to recover. Similarly, when a storage amount detection sensor (not shown) of the denomination input / output safe 14 generates a near-full signal, the banknotes are conveyed from the denomination input / output safe 14 to the replenishment collection cassette 15 and collected.

The operation of the new bill payment transaction process of the automatic teller machine 1 in which the replenishment collection cassette 15 storing new bills by the above replenishment operation is described according to the steps indicated by S using the flowchart shown in FIG.
S1, the main control unit 2 of the automatic teller machine 1 displays the transaction selection screen shown in FIG. 4 on the screen of the customer operation unit 4 by the “business execution program” and stands by.

  On the transaction selection screen, the wording prompting you to press the transaction selection button, the “pay” button for payment transactions as withdrawal transactions, and for new bill payment transactions as withdrawal transactions that require payment of new bills "New bill payment" button, "Deposit" button for deposit transaction, "Transfer" button for transfer transaction, "Balance inquiry" button for balance inquiry transaction to inquire account balance, and blank in passbook A transaction selection button for selecting a transaction such as a “passbook entry” button for a transaction data entry transaction for entering transaction data is displayed.

In this embodiment, the customer selects a new bill payment transaction from the screen of the customer operation unit 4 to request payment of a new bill, and presses a “new bill payment” button on the touch panel.
S2, the main control unit 2 that recognizes the transaction selected by the customer by a position signal from the touch panel recognizes that the transaction selected by the customer is a new bill payment transaction, and displays the transaction card on the screen of the customer operation unit 4 A card insertion request screen displaying a message prompting insertion is displayed. The customer inserts the IC card transaction card into the card handling unit 5 accordingly.

At this time, the main control unit 2 uses the card handling unit 5 to read card information such as customer account information and transaction information recorded in the transaction card recording unit.
S3, the main control unit 2 which has read the card information displays a password input screen on which a message for prompting the input of a password and a password number display field and a numeric keypad for the input are displayed on the screen of the customer operation unit 4. Display and prompt for the PIN. The customer inputs a password using a numeric keypad.

S4, the main control unit 2 that has recognized the input of the PIN number determines the customer's superiority based on the transaction information of the card information with reference to the excellent customer determination criteria in the storage unit 3, and determines the customer as a good customer If the customer is not a good customer, the process proceeds to step S7.
S5, the main control unit 2 having determined that the customer is a good customer refers to the remaining amount of the new bill in the storage unit 3, and confirms that the remaining amount of the new bill is large when the remaining amount of the new bill is equal to or more than the reference remaining amount. The process proceeds to step S6, and if it is less than the reference remaining amount, it is confirmed that the remaining amount of the new bill is small, and the process proceeds to step S8.

S5, the main control unit 2 confirming that the remaining amount of the new bill is large displays the new bill payment amount input screen shown in FIG. 5 on the screen of the customer operation unit 4 and prompts the user to input the payment amount by the new bill.
In the new bill payment amount input screen, a message prompting you to enter the payment amount with the new bill, a new bill payment amount input field, a numeric keypad for that input, and unit keys for "ten thousand", "thousand" and "yen" A "correction" key for correcting the mistake, a "confirmation" button for instructing the end of input, and a "return" button for canceling the new bill payment transaction are displayed.

The customer inputs the payment amount using the numeric keypad, the unit key, etc., and presses the “Confirm” button, and the main control unit 2 that has detected the press of the “Confirm” button moves to Step S15.
At this time, the main control unit 2 recognizes the entire amount of the input amount as a payout with a new bill, and temporarily stores the number in the storage unit 3 as a payout breakdown number.
When the customer presses the “Return” button, for example, when he / she notices that he / she has made a wrong transaction selection, the main control unit 2 detects this and returns to Step S1 to select the transaction on the screen of the customer operation unit 4 Display the screen again and prompt the transaction selection button to be pressed again.

In S7, the main control unit 2 that has determined that the customer is not a good customer checks the remaining amount of the new bill in the same manner as in Step S5. If it is confirmed that the remaining amount of the new bill is large, the process proceeds to Step S8. If it is confirmed that the remaining amount of the bill is small, the process proceeds to step S11.
In step S8, the main control unit 2 confirming that the customer is a good customer and the remaining amount of the new bill is small in step S5, or that the customer is not a good customer and the remaining amount of the new bill is large in step S7, The new bill limit payment inquiry screen shown in FIG.

On the new bill limit payment inquiry screen, a “confirm” button to instruct the acceptance of the wording that there is a limit on the amount of payment with the new bill, the predetermined number of withdrawals and the number of withdrawals displayed by the customer A “Back” button is displayed to reject the limited new bill payment transaction.
The customer confirms the displayed contents, and presses a “confirm” button to accept the payout limit number, and presses a “return” button to cancel the limited new bill payment transaction.

S9, the main control unit 2 recognizes the contents of the pressed button. When the pressed button is the “confirm” button, the process proceeds to step S10. When the “return” button is pressed, the restricted new bill Since the payment transaction is rejected, the process proceeds to step S13 via the connector A.
S 10, the main control unit 2 recognizing that the limited new bill payment transaction has been accepted displays the new bill limited payment amount input screen shown in FIG. 7 on the screen of the customer operation unit 4.

In the new bill limit payment amount input screen, a message prompting the input of the payment amount, the maximum number of new bills to be paid, the payment amount input field and the numeric keypad, the unit key, the “correction” key, and the input end similar to FIG. A “confirm” button for instructing and a “return” button for returning to the new bill limit payment inquiry screen in step S8 are displayed.
The customer inputs the payment amount using the numeric keypad, the unit key, etc., and presses the “Confirm” button, and the main control unit 2 that has detected the press of the “Confirm” button moves to Step S15.

  At this time, if the input amount (for example, 100,000 yen) exceeds the amount of the maximum number of payouts (for example, 5), the main control unit 2 will pay out the new bills (5 The remaining amount (50,000 yen) is recognized as a general ticket, and if the amount is less than the maximum number of coupons to be paid out with a new bill, the entire amount is recognized as being paid out with a new bill. Temporarily stored in the storage unit 3.

If the “return” button is pressed, the main control unit 2 detects this, returns to step S8, and displays the new bill limit payment inquiry screen on the screen of the customer operation unit 4 again.
In S11 and Step S7, the main control unit 2 confirming that the customer is not a good customer and the remaining amount of the new bill is small displays the general ticket payment inquiry screen shown in FIG. 8 on the screen of the customer operation unit 4.
On the general ticket payment inquiry screen, a message indicating that payment cannot be made with a new bill and a “confirm” button for instructing acceptance of payment by a general ticket and a “back” button for rejecting payment by a general ticket are displayed. Is done.

The customer confirms the displayed contents, and presses a “confirm” button when accepting payment by a general ticket, and a “return” button when refusing payment by a general ticket.
S12, the main control unit 2 recognizes the content of the pressed button. When the pressed button is the “confirm” button, the process proceeds to step S14. When the “return” button is pressed, the payment by the general ticket is made. Since it is rejected, the process proceeds to step S13 via the connector A.

In step S13, the main control unit 2 recognizing that the limited new bill payment transaction has been rejected in step S10 or that the payment by the general ticket has been rejected in step S12 is displayed on the screen of the customer operation unit 4 by the reception counter. The window transaction request screen shown in FIG. 9 displaying the wording requesting the new bill payment transaction is displayed, and the process proceeds to step S18 after a predetermined time has elapsed.
In S14, the main control unit 2 recognizing that the payment transaction by the general ticket is accepted displays the general ticket payment amount input screen shown in FIG. 10 on the screen of the customer operation unit 4.

On the general ticket payment amount input screen, a message prompting the input of the payment amount, a payment amount input field similar to FIG. 5, a numeric keypad, a unit key, a “correction” key, and a “confirm” button for instructing the end of the input A “return” button for returning to the general ticket payment inquiry screen in step S11 is displayed.
The customer inputs the payment amount using the numeric keypad, the unit key, etc., and presses the “Confirm” button, and the main control unit 2 that has detected the press of the “Confirm” button moves to Step S15.

At this time, the main control unit 2 recognizes the full amount of the input amount as a payout with a general ticket, and temporarily stores the number in the storage unit 3 as a payout breakdown number.
When the “return” button is pressed, the main control unit 2 detects this, returns to step S11, and displays the general ticket payment inquiry screen again on the screen of the customer operation unit 4.
The main control unit 2 that recognizes the respective payment amounts in S15, steps S6, S10, and S14 and temporarily stores the payment breakdown number, prompts the customer to wait for a while on the screen of the customer operation unit 4 11 is displayed, and a withdrawal transaction process is executed with a host computer (not shown).

That is, the main control unit 2 creates a transaction message by attaching the PIN number and payment amount input to the account information of the card information of the transaction card, and transmits it to the host computer via the communication line.
The host computer that received the transaction message searches the customer information in the ledger file based on the account information included in the transaction message for customer authentication, and obtains the PIN number of the customer information of the corresponding customer and the PIN number of the transaction message. If the passwords match, the customer is authenticated. If there is no shortage in the account balance, a transaction permission message is created with a transaction permission message, and the account balance of the corresponding customer information is updated. If the passwords do not match or the account balance is insufficient, a transaction permission message is created with a message indicating that the transaction is not permitted, accompanied by a message to that effect.

The host computer that created the transaction propriety message transmits the transaction propriety message to the automatic teller machine 1 via the communication line.
S16, The main control unit 2 of the automatic teller machine 1 that has received the transaction approval / disapproval message determines whether the withdrawal transaction is possible based on the received transaction approval / disapproval message. If so, go to Step 17.

S 17, the main control unit 2 recognizing that the transaction with the customer is not permitted, displays on the screen of the customer operation unit 4 a message indicating that the transaction is not permitted, a text of the content, and a “confirm” button for confirming the display The transaction rejection screen is displayed, and the customer confirms the content and presses the “confirm” button.
The main control unit 2 that has recognized the elapse of a predetermined time in S18 and Step S13 or has detected the pressing of the “Confirm” button in Step S17 displays a screen prompting receipt of the transaction card, and from the card handling unit 5 The transaction card is discharged, the customer confirms that it has been received, and if the payout breakdown is temporarily stored, it is deleted and the new bill payment transaction processing is terminated, and the process returns to step S1 to return to the customer operation unit 4 Display the transaction selection screen on the screen and wait.

S19, Recognizing that the transaction with the customer is permitted, the main control unit 2 reads the payout breakdown number temporarily stored in the storage unit 3, and proceeds to step S20 if a new bill needs to be withdrawn. If it is not necessary to withdraw the bill, the process proceeds to step S23.
In step S20, the main control unit 2 that has determined that withdrawal with a new bill is necessary executes a new bill withdrawal process.
That is, the main control unit 2 recognizes the number of new bills that has been read out, and feeds out the new bills from the replenishment collection cassette 15 to the discrimination unit 12 through the transport paths 13e, 13k, 13a, and 13b. It conveys, discriminate | determines and counts, conveys to the temporary accumulation | stacking part 16 by the conveyance paths 13c, 13d, and 13e, and accumulates them.

S21, the main control unit 2 having finished collecting the new bills, updates the new bill remaining amount by subtracting the number of the new bills paid out from the remaining amount of the new bills in the storage unit 3.
S22, the main control unit 2 having completed the update of the remaining amount of the new bill refers to the read out breakdown number, and proceeds to step S23 when additional payment with a general ticket is necessary, and withdraws with a general ticket If no is necessary, the process proceeds to step S24.

The main control unit 2 that has determined that dispensing with a new bill is unnecessary in step S23 or step S19 or that additional dispensing with a general ticket is necessary in step S21 executes a general ticket dispensing process.
That is, the main control unit 2 recognizes the denomination and the number of general tickets of the number of payout breakdowns read out, and pays out from the denomination safe deposit box 14 storing the general tickets of the denominations, and conveys them to the transport paths 13g, 13f. , 13b is conveyed to the discrimination unit 12 for discrimination and counting, and is conveyed to the temporary accumulation unit 16 through the conveyance paths 13c, 13d, and 13e and accumulated.

  S24, the main control unit 2 that has finished collecting the banknotes in the temporary stacking unit 16 displays the banknote receipt request screen shown in FIG. 12 displaying the word prompting receipt of banknotes on the screen of the customer operation unit 4, Print data is created based on the transaction details, the transaction details slip is printed by the card handling unit 5, the banknotes of the temporary stacking unit 16 are transported to the banknote deposit / withdrawal port 11 through the transport path 13h, and paid to the customer. The transaction card and transaction statement slip are discharged from the card handling unit 5.

After that, the main control unit 2 confirms that the customer has received them, erases the payout breakdown number temporarily stored in the storage unit 3 and ends the new bill payment transaction processing, returns to step S1, and returns to the customer operation unit 4 Display the transaction selection screen on the screen and wait.
It is to be noted that a border identification ticket cannot be dispensed during the above-mentioned new bill payment transaction processing, that is, when the remaining amount of the new bill is less than the number of new bills to be dispensed, or during delivery When the discriminating unit 12 discriminates, the payout of the new bill for the transaction is stopped and the process branches to step S11 to perform payment by a general ticket.

As described above, in this embodiment, when a customer requests to pay out a new bill in a withdrawal transaction, the number of new bills to be paid out to the customer is determined based on the customer's superiority based on the transaction information. As a result, new bills to be paid out to customers can be suppressed, new bills can be paid out to many customers, and services to excellent customers can be improved.
Further, by limiting the number of new bills to be paid to the customer by the remaining amount of new bills in the replenishment collection cassette, new bills can be paid out to more customers.

  In this way, if the remaining amount of the new bill is sufficient and the customer is a good customer, the entire payment amount is paid out with the new bill. If the remaining amount of the new bill is not sufficient and the customer is not a good customer, or the remaining amount of the new bill is not sufficient In addition, for high-quality customers, new bills can be issued to a larger number of customers by limiting the number of new bills to be paid. Can be paid out and the service to excellent customers can be improved.

FIG. 13 is a flowchart showing a new bill payment transaction process according to the second embodiment.
In addition, the structure of the automatic teller machine 1 and the banknote depositing / withdrawing part of the present embodiment is the same as that of the first embodiment.
Further, the same parts as those in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted.
In this embodiment, the number of payouts in the new bill payment transaction is limited by the transaction rank of the customer and the elapsed time from the previous new bill payment transaction so as not to continuously pay out new bills to the same customer.

For this reason, in the transaction information recording area of the transaction card recording part of the present embodiment, a new bill payout for recording new bill payout information such as a new bill payout date and time, which is the date and time when a new bill is paid out by a new bill payment transaction. An information recording area is secured.
In this example, multiple transaction ranks are set based on transaction information such as the amount of time deposits, presence / absence of gold cards, presence / absence of salary transfer, presence / absence of automatic withdrawal contracts for utility bills, etc. A transaction rank-specific payout limit number table in which the determination criteria and the payout limit number of new bills to be paid out to customers of the transaction rank are set in advance.

In this embodiment, the transaction rank is divided into four, the payout limit number of customers of transaction rank S is 20 sheets / time, the payout limit number of transactions rank A is 10 sheets / time, and the payout limit number of transaction rank B is The payout limit number for transaction rank C is set to 5 / time and 0 / time.
The operation of the above configuration will be described.
In the storage unit 3 of the automatic teller machine 1 of the present embodiment, a “business execution program” similar to that of the first embodiment is stored in advance.

In addition, the storage unit 3 stores in advance the above-described transaction rank determination criteria and the transaction rank payout limit number table.
The operations of replenishment and collection by the replenishment / collection cassette 15 performed by the staff and the operation of storing the remaining amount of the new bill in the storage unit 3 are the same as those in the first embodiment, and the description thereof is omitted.
The operation of the new bill payment transaction processing of this embodiment of the automatic teller machine 1 in which the replenishment collection cassette 15 storing new bills is mounted will be described according to the steps indicated by SA using the flowchart shown in FIG.

SA1, the main control unit 2 of the automatic teller machine 1 displays the transaction selection screen shown in FIG. 14 on the screen of the customer operation unit 4 by the “business execution program” and stands by.
The transaction selection screen of the present embodiment is the same as the transaction selection screen shown in FIG. 4 of the first embodiment, but the exchanged transaction of the deposited banknote as a withdrawal transaction is performed instead of the “new bill payment” button. A “exchange” button is provided for this purpose.

In this embodiment, the customer presses a “pay” button on the touch panel to perform a payment transaction as a withdrawal transaction from the screen of the customer operation unit 4.
SA2, the main control unit 2 recognizes the transaction selected by the customer as a payment transaction in the same manner as in step S2 of the first embodiment, displays the card insertion request screen, and when the customer inserts the transaction card into the card handling unit 5. The main control unit 2 reads the card information recorded in the transaction card recording unit.

SA3, the main control unit 2 that has read the card information displays the password input screen in the same manner as in step S2 of the first embodiment, and the customer inputs the password.
SA4, the main control unit 2 which has recognized the input of the PIN number, inquires the request for paying out with a new bill on the screen of the customer operation unit 4, the “pay new bill” button for requesting payout with a new bill, a general ticket A new bill payment inquiry screen shown in FIG. 15 displaying a “general ticket payment” button or the like for requesting the payout according to.

The customer presses a “pay new bill” button when requesting a payout with a new bill, and presses a “general ticket payout” button when requesting a payout with a general ticket. In this case, if pressing of the button is not detected even after a predetermined time has elapsed, the main control unit 2 proceeds to Step SA5 assuming that the “general ticket payment” button has been pressed.
SA5, the main control unit 2 recognizes the transaction as a new bill payment transaction when the pressed button is the “new bill payment” button, and proceeds to step SA6. The pressed button is the “general ticket payment” button. If so, the process proceeds to step SA16.

SA6, the main control unit 2 recognizing that it is necessary to pay out the new bill, refers to the transaction rank determination criteria of the storage unit 3, determines the transaction rank of the customer based on the transaction information of the card information, and the transaction of the storage unit 3 The payout limit number is read from the rank-specific payout limit number table.
SA7, the main control unit 2 which has read out the payout limit number based on the transaction rank refers to the new bill remaining amount in the storage unit 3, and if the new bill remaining amount is equal to or greater than the payout limit number, the process proceeds to step SA8. If the remaining amount is less than the payout limit number, or if the customer has a transaction rank C (payout limit number 0 / time), the process proceeds to step SA13.

SA8, the main control unit 2 confirming that the new bill can be paid out, the new bill recorded in the new bill withdrawal information recording area of the transaction information recording area of the transaction card inserted in the card handling unit 5 The payout information is read out.
The new bill payout information may be read simultaneously when the card information is read in step SA2.

  SA9, the main control unit 2 which has read the new bill payout information recognizes the current date and time by the timer function, and the elapsed time from the previous new note payout date and time of the new note payout information exceeds a predetermined period, for example, 24 hours. If so, the process proceeds to step SA10 because the new bill can be paid out, and if the elapsed period from the previous new bill payout date is within a predetermined period, the new bill cannot be paid out and the process proceeds to step SA13.

SA 10, the main control unit 2 that has determined that a new bill can be paid out displays the new bill limit payment inquiry screen shown in FIG. 6 on the screen of the customer operation unit 4 in the same manner as in step S 8 of the first embodiment.
The customer confirms the displayed contents, and presses a “confirm” button to accept the payout limit number, and presses a “return” button to cancel the limited new bill payment transaction.
Subsequent operations in steps SA11 and SA12 are the same as the operations in steps S9 and S10 in the first embodiment, and thus the description thereof is omitted.

The main control unit 2 confirms that the remaining amount of the new bill is small in SA13 and step SA7 or determines that the payout with the new bill is impossible in step SA9. Display a merge screen.
The customer confirms the displayed contents, and presses a “confirm” button when accepting payment by a general ticket, and a “return” button when refusing payment by a general ticket.

Subsequent operations in steps SA14 to SA16 are the same as the operations in steps S12 to S14 in the first embodiment, and a description thereof will be omitted.
The main control unit 2 that has recognized the respective payment amounts in SA17, steps SA12, and SA16 and temporarily stored the number of items to be paid out displays the standby request screen shown in FIG. 11 in the same manner as in step S15 in the first embodiment. At the same time, a withdrawal transaction process is executed with a host computer (not shown).

Subsequent operations in steps SA18 to SA22 are the same as the operations in steps S16 to S20 in the first embodiment, and a description thereof will be omitted.
SA 23, the main control unit 2 that has finished stacking the new bills, updates the remaining amount of the new bills by subtracting the number of new bills drawn from the remaining amount of the new bills in the storage unit 3, and the date and time when the stacking of the new bills is finished Is overwritten in the new bill payout information recording area of the transaction information recording area of the transaction card inserted in the card handling unit 5. As a result, the new note payout date and time (which will be the previous time in the next transaction) is recorded on the transaction card.

Subsequent operations in steps SA24 to SA26 are the same as the operations in steps S22 to S24 in the first embodiment, and thus the description thereof is omitted.
In this embodiment, the new bill payout date / time is recorded as new bill payout information. However, in addition to the new bill payout date / time, the number of new bills paid at that time is recorded, and the elapsed period is within a predetermined period. If the number of new bills recorded is less than the payout limit number, the difference may be displayed on the new bill limit payment inquiry screen as the payout limit number to perform a new bill payment transaction.

As described above, in the present embodiment, in addition to the effects of the first embodiment, the previous new bill payout date and time is recorded, and when the elapsed period is short, the payout by the new bill is refused. New bills can be paid out to customers, and fairness for the new bills can be secured.
Further, by determining the payout limit number of new bills to be paid out according to the transaction rank, it is possible to further improve the service for excellent customers while restricting the payout of new bills.

  In the present embodiment, the predetermined period serving as a reference for the elapsed period is described as 24 hours, that is, one day. However, this period is not limited to the above, but is 12 hours, two days, one week, one month, etc. It may be set in accordance with the actual situation of the financial institution where the automatic teller machine 1 is installed and the supply status of new banknotes from the central bank.

FIG. 16 is a flowchart showing the new bill payment transaction process of the third embodiment.
In addition, the structure of the automatic teller machine 1 and the banknote depositing / withdrawing part of the present embodiment is the same as that of the first embodiment.
Further, the same parts as those in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted.
In the present embodiment, when the customer's transaction rank and the customer does not request to pay out a new bill, a privilege point is given to the customer, and the accumulated value of the privilege point (referred to as the accumulated privilege point) is converted into the number of new bills. (The privilege point of this embodiment is 1 piece / point), and in addition to the payout limit number based on the transaction rank, the payout limit number of the new bill is determined.

For this reason, the privilege point recording area for recording a cumulative privilege point is ensured in the transaction information recording area of the recording part of the transaction card of a present Example.
The operation of the above configuration will be described.
The “business execution program” similar to that in the first embodiment is stored in advance in the storage unit 3 of the automatic teller machine 1 according to the present embodiment.

The storage unit 3 stores in advance a transaction rank determination standard and transaction rank-specific payout limit number table similar to those in the second embodiment.
The operations of replenishment and collection by the replenishment / collection cassette 15 performed by the staff and the operation of storing the remaining amount of the new bill in the storage unit 3 are the same as those in the first embodiment, and a description thereof will be omitted.
The operation of the new bill payment transaction processing of the present embodiment of the automatic teller machine 1 in which the replenishment collection cassette 15 containing the new bill is mounted will be described according to the steps indicated by SB using the flowchart shown in FIG.

Since the operations of steps SB1 to SB6 are the same as the operations of steps SA1 to SA6 of the second embodiment, the description thereof is omitted.
SB 7, the main control unit 2 that has read out the payout limit number based on the transaction rank reads out the accumulated privilege points recorded in the privilege point recording area of the transaction information recording area of the transaction card inserted in the card handling unit 5. .

The accumulated privilege points may be read simultaneously when the card information is read in step SB2.
SB8. The main control unit 2 that has read the accumulated privilege points calculates the allowable payout number that is the payout limit number of new bills to be paid out by adding the read accumulated privilege points to the payout limit number based on the transaction rank.

In step SB9, the main control unit 2 that has calculated the allowable payout number of the new bill refers to the new bill remaining amount in the storage unit 3. If the remaining amount of the new bill is equal to or greater than the allowable payout number, the main control unit 2 proceeds to step SB10. If the amount is less than the allowable payout number, the process proceeds to step SB13.
SB10, the main control unit 2 that has determined that the new bill can be paid displays the new bill limit payment inquiry screen shown in FIG. 6 on the screen of the customer operation unit 4 in the same manner as in step S8 of the first embodiment. In this case, the allowable payout number is displayed as the payout limit number.

The customer confirms the displayed contents, and presses the “Confirm” button to accept the allowable number of payouts, and presses the “Return” button to cancel the limited new bill payment transaction.
Subsequent operations of Steps SB11 and SB12 are the same as the operations of Steps S9 and S10 of the first embodiment, and thus description thereof is omitted.
The main control unit 2 that has confirmed that the remaining amount of the new bill is small in SB13 and Step SB9 displays the general ticket payment inquiry screen in the same manner as in Step S11 of the first embodiment.

The customer confirms the displayed contents, and presses a “confirm” button when accepting payment by a general ticket, and a “return” button when refusing payment by a general ticket.
Subsequent operations of Steps SB14 to SB20 are the same as the operations of Steps SA14 to SA20 of the second embodiment, and thus description thereof is omitted.
In step SB21, the main control unit 2 recognizing that the transaction with the customer is permitted, reads the payout breakdown number temporarily stored in the storage unit 3, and proceeds to step SB23 if a new bill needs to be withdrawn. If withdrawal with a bill is not required, the process proceeds to step SB22.

  SB22, the main control unit 2 having determined that the withdrawal with a new bill is unnecessary, gives the customer a privilege point, for example, 1 point, and adds this to the accumulated privilege point read in step SB7. Accumulated privilege points are calculated and overwritten in the privilege point recording area of the transaction information recording area of the transaction card inserted in the card handling unit 5. As a result, the privilege points granted to customers who have not requested withdrawal with a new bill are recorded on the transaction card.

SB23, the main control unit 2 having determined that the withdrawal by the new bill is necessary, executes the new bill withdrawal processing in the same manner as in Step S20 of the first embodiment.
In step SB24, the main control unit 2 that has finished collecting new bills updates the remaining amount of new bills by subtracting the number of new bills paid out from the remaining amount of new bills in the storage unit 3, and the accumulated privilege points read in step SB7. The accumulated bonus points are updated by subtracting the bonus points corresponding to the number of new bills accumulated from (in this embodiment, the same number as the number of new bills accumulated), and this is updated for the transaction card inserted in the card handling unit 5 Overwrite the privilege point recording area in the transaction information recording area. As a result, the latest accumulated privilege points are always recorded on the transaction card.

In S22, the main control unit 2 having finished updating the remaining amount of the new bill refers to the read out breakdown number, and moves to Step SB26 when additional withdrawal with a general ticket is necessary, and withdraws with a general ticket. If gold is unnecessary, the process proceeds to step SB27.
In step SB26, step SB22, the main control unit 2, which has granted privilege points, or has determined in step SB25 that additional payment with a general ticket is necessary, executes a general ticket withdrawal process in the same manner as step S23 in the first embodiment. To do.

Since the subsequent operation of step SB27 is the same as the operation of step S24 of the first embodiment, the description thereof is omitted.
In this embodiment, the bonus points are converted to the number of new bills per point / point. However, the number of new bills per bonus point is not limited to the above, and is 0.5. It may be two or five. In short, it may be set according to the actual situation of the financial institution where the automatic teller machine 1 is installed and the supply status of new banknotes from the central bank.

  As described above, in the present embodiment, in addition to the effects of the first embodiment, as the payout limit number to be paid out to the customer in accordance with the accumulated privilege points obtained by accumulating the privilege points granted when the customer does not request a new bill. By determining the permissible number of payouts, it is possible to pay more new bills to customers with a high number of withdrawal transactions that do not require new bills. Can be improved.

In each of the above-described embodiments, the new bill payment transaction processing in the payment transaction has been described as an example. However, the same applies when the customer requests the new bill to be paid out in the exchange transaction as the withdrawal transaction.
In this case, all the banknotes deposited by the customer are stored as general tickets in denominations in a denomination deposit box. The same applies to the deposit banknotes in the case of deposit transactions.
Although the new bills to be paid out have been described as 10,000 tickets, the new bills are not limited to 10,000 tickets, and may be new bills such as thousand tickets. A new bill of ten thousand tickets may be paid out at the request of the customer. As a result, it becomes possible to respond more precisely to the customer's request for paying out new bills.

Furthermore, although the specific banknote has been described as a new bill, when a customer requests the new banknote to be paid out using a new banknote (referred to as a new banknote) associated with a refurbishment scheduled in the near future as a specific banknote, the same as above. You may make it pay out a new bill.
In this case, during the introduction period of new banknotes with a small supply amount of new banknotes, it is made to pay out as specific banknotes including wrinkled new banknotes. It is recommended to pay out as a new bill.

  Further, in each of the above embodiments, the transaction information is described as being recorded on the IC card which is the customer's transaction card. However, the transaction information is recorded on the host computer or the like, and the automatic teller machine and the host computer are You may make it communicate based on a customer's account information and may acquire transaction information or a payout limit number of sheets from a host computer etc. This makes it possible to apply the present invention even in a withdrawal transaction using a transaction card in which account information or the like is recorded on a magnetic stripe.

  Furthermore, although the automatic transaction apparatus was demonstrated as an automatic teller machine, the automatic transaction apparatus to which the present invention is applied is not limited to the above, and has a function of paying out banknotes at the request of a customer such as a cash payment machine or a change machine. Any automatic transaction apparatus can be applied.

The flowchart which shows the new bill payment transaction processing of Example 1 The block diagram which shows the automatic teller machine of Example 1 The block diagram which shows the banknote depositing / withdrawing part of Example 1. Example of transaction selection screen display in Example 1 Example of new bill payment input screen display of Example 1 Example of new bill limit payment inquiry screen display in Example 1 Example of new bill limit payment input screen display of Example 1 General ticket payment inquiry screen display example of Example 1 Example of window transaction request screen display in Example 1 General ticket payment input screen display example of Example 1 Display example of standby request screen of Example 1 Example of bill receipt request screen display of Example 1 The flowchart which shows the new bill payment transaction processing of Example 2 Example of transaction selection screen display in Example 2 New bill payment inquiry screen display example of the second embodiment The flowchart which shows the new bill payment transaction processing of Example 3

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash dispenser 2 Main control part 3 Memory | storage part 4 Customer operation part 5 Card handling part 6 Passbook handling part 7 Banknote depositing / withdrawing part 8 Personnel operation part 11 Banknote depositing / withdrawing port 12 Discrimination part 13a-13h, 13k, 13m 14a, 14b, 14c Safe deposit by type 15 Replenishment collection cassette

Claims (6)

In an automatic transaction apparatus equipped with a specific ticket storage for storing specific banknotes and a general ticket storage for storing general banknotes,
An automatic transaction apparatus characterized in that, when a customer requests payout of a specific banknote during a withdrawal transaction, the number of specific banknotes to be paid out is determined based on the transaction information of the customer. In claim 1,
An automatic transaction apparatus, wherein the number of specific banknotes to be paid out is determined based on a remaining amount of specific banknotes in the specific ticket storage. In claim 1 or claim 2,
An automatic transaction apparatus, wherein a plurality of transaction ranks are set based on the transaction information, and a payout limit number of specific banknotes to be paid out is determined according to the transaction rank. In claim 1, claim 2 or claim 3,
When the specific banknote is paid out to a customer, the payout date is recorded in the transaction information, and if the customer requests the specific banknote to be paid out within a predetermined period from the recorded payout date, the payout is made An automatic transaction apparatus that limits the number of specific banknotes. In claim 1 to claim 3 or claim 4,
When a customer does not request to pay out the specific banknote, a bonus point is given, the bonus point is accumulated and recorded in the transaction information, and the payout limit of the specific banknote to be paid out according to the recorded accumulated bonus point An automatic transaction apparatus characterized by determining the number of sheets. In claim 1 to claim 4 or claim 5,
An automatic transaction apparatus, wherein the transaction information is recorded on a transaction card.