JP2006048515A - Money changing apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a charge for money changing to be levied without a card as well as with a card and to allow a charge for money changing to be levied in accordance with the degree of favor of a customer utilizing money changing when operating a money changing processing apparatus. <P>SOLUTION: The money changing apparatus exchanges received money for a specific denomination, which a customer desires, and pays exchanged money, and the money changing apparatus acquires discrimination information of a customer utilizing money changing and determines the degree of favor of the customer on the basis of the acquired discrimination information to regulate a money changing transaction and to levy a charge for money changing correspondingly to the customer. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a currency exchange processing apparatus installed in a financial institution such as a bank or a credit union, for example. More specifically, the present invention relates to a currency exchange processing apparatus that enhances serviceability for preferential customers who are highly contributing to the financial institution.

  In general, as a part of service to customers, financial institutions treat the use of currency exchange processing equipment free of charge. However, in recent years, it has been desired to charge for money exchange transactions by seeking to improve profitability by financial institutions. In order to realize this charge, an attempt has been made to collect an exchange fee for the exchange processing device.

  However, collecting the exchange fee even for the customer of the bank leads to a decrease in service to the customer and may cause a decrease in the customer, so that it is desired to take a preferential treatment for the customer. For example, there is known one that collects a fee by differentiating a preferential customer who has a degree of contribution from another customer depending on the presence / absence, type, balance, etc. of a deposit account (see Patent Document 1 of the prior application). However, this type of exchange processing apparatus requires a storage medium for identifying and confirming the person's account information when collecting the exchange fee.

  In addition to this, a card is used to identify the person, and the identification information of this card is read into the currency exchange processing device and read. Based on the result of the reading, the preferential customer and other customers are differentiated. It is known to make it free and charge other customers (see Patent Document 2 of the prior application). In this case as well, when collecting the exchange fee, a card was required to identify the person.

By the way, there are offline collection and online collection when collecting such exchange fees.
There are three ways to collect the exchange fee off-line as shown below.
(1) Collection of exchange fee by pay-as-you-go system using a card A prepaid exchange card is used at the time of exchange, and an exchange fee is collected from the exchange card according to the amount used.
(2) Collection of exchange fees by period-based billing using cards Use exchange cards with expiration dates set at the time of exchange, and collect exchange fees when issuing cards and renewing cards.
(3) Collection of currency exchange fee by money At the time of currency exchange, money necessary for currency exchange is introduced and the money for exchange is collected from the money entered.

  However, in the collection of the exchange fee by the card of (1) and (2), since the exchange cannot be performed unless the card is issued, it is necessary to issue the exchange card even to a customer with low usage frequency. The burden increases. In the collection of the currency exchange fee in (3) above, even a preferential customer needs to pay an exchange fee equivalent to that of other customers, and preferential treatment for preferential customers cannot be taken.

  On the other hand, as an online exchange fee collection method, the exchange processing device is connected to a host computer of a financial institution, and the exchange fee is withdrawn from a transaction account of a customer who uses the exchange.

  However, in this case, the control on the host computer side of the financial institution is complicated and the operation cost becomes high. Therefore, it had problems that were difficult to apply.

Japanese Patent No. 2560720 Japanese Patent No. 2629763

  Therefore, the present invention enables the collection without a card and the collection with a card when operating the exchange processing apparatus, and changes the regulation and fee of the exchange transaction according to the preferential degree of the customer who uses the exchange. It is an object of the present invention to provide a currency exchange processing apparatus that can ensure service and reliability for preferential customers.

  The present invention relates to an exchange processing device for exchanging deposited money for a specific denomination desired by a customer, an identification information acquisition means for acquiring identification information of a customer who uses the exchange, and storage of a card or the like Determining means for determining whether or not a medium has been received; determining means for determining a preferential degree of a customer based on the acquired identification information or the determining means; and exchange based on the preferential degree of the customer determined by the determining means And an implementation means for implementing at least one of a regulation means for regulating the operation of the system or a collection means for collecting an exchange fee.

  Here, the identification information acquisition means is for acquiring identification information for specifying a customer to be used for exchange, and acquiring customer identification information using a storage medium such as a card distributed in advance to the customer. Alternatively, customer identification information may be obtained from specific input information such as account information input by the customer.

  The exchange fee collected by the collection means may be collected from money entered by the customer, may be collected by deducting the exchange fee from the IC card or prepaid card, and the exchange fee is deducted from the deposit account. Can also be collected.

  According to this invention, since customer identification information and card presence / absence determination information can be acquired at the time of exchange, the customer's preferential degree can be determined from these information. With this preferential degree, customers can be differentiated and operations such as the availability of currency exchange can be regulated.

  For example, when acquiring identification information that is recognized as a customer who contributes to the bank who has a trading account such as a time deposit, the exchange fee of the customer can be discounted or set free of charge. On the other hand, in the case of another customer who does not have a trading account, it is possible to regulate the exchange transaction or set a fee. For this reason, it is possible to improve service provision and transaction reliability to customers who should be treated favorably. Furthermore, it is possible to set up so as to collect the exchange fee using money from a general customer, and use a storage medium from a preferential customer so that the exchange transaction can be permitted for free or at a low price. For this reason, it is not necessary to issue a storage medium such as a card to all users, and it is not necessary to issue and manage the storage medium.

  In another identification information acquisition means of the present invention, the customer identification information and the card type information are acquired from the storage medium storing the customer identification information and the card type information distributed in advance, or the contract information contracted by the customer. be able to.

  According to the present invention, when acquiring customer identification information and card type information, customer account information, a personal identification number, or the like may be input, or a storage medium such as an exchange card or cash card may be used. Accordingly, it is possible to set whether or not exchange transactions can be performed with or without a storage medium, and to set a charge / free charge for the exchange fee.

  For example, if a storage medium is issued only to a customer who has a contribution, it can be differentiated from other customers who have no contribution. Furthermore, if registration information such as an issued cash card is used, it can be used as an exchange card, so it can be dealt with without newly issuing and managing the exchange card.

  In another collecting means of the present invention, the exchange fee can be collected according to the customer's preferential degree based on the identification information for identifying the preferential customer degree.

  According to the present invention, when the customer uses the money exchange, the preferential customer degree can be identified. Therefore, the exchange fee corresponding to the preferential customer degree can be set. For example, you can differentiate between preferential customers who have a high-contribution contract for a financial institution, customers who have a low-contribution contract, and non-contributory general customers, and have several stages of exchange fees. It can be set separately. For this reason, it is possible to set a fair exchange fee according to the degree of contribution.

  According to another collecting means of the present invention, the exchange fee can be collected according to the preferential degree of the customer according to the charge exchanged by the customer who uses the currency exchange.

  According to the present invention, since preparation and management of exchange money on the financial institution side requires labor and labor, it is preferable that the exchange amount is used as little as possible when it is not charged. Therefore, it is desirable to set the exchange fee in proportion to the change in the exchange amount. For this reason, since the exchange fee increases as the exchange amount increases, it is effective as a means of suppressing the use of exchange. In addition to this, it is also possible to set a discount validity period and free validity period for each exchange fee for each customer.

  According to another collecting means of the present invention, the exchange fee can be collected according to the preferential degree of the customer according to the number of exchange usage of the customer who uses the currency exchange.

  According to the present invention, as one of means for restricting frequent exchange by a customer who uses money exchange, a money exchange fee can be set high according to the number of money exchange uses. Also in this case, since the exchange fee increases as the number of exchange usage increases, it is effective as a means for suppressing the exchange usage. For example, it is free for only one day, or up to once a month, and if it exceeds that, it may be treated as a fee. If the number of exchanges exceeds a preset limit, the exchange fee increases in proportion to this. It can also be set as follows.

  According to another restricting means of the present invention, the operation of currency exchange can be regulated according to the customer's preferential degree according to the money denomination according to the preferential degree of the customer who uses the currency exchange.

  According to the present invention, as one of the means for restricting frequent exchange of customers who use money exchange, for customers with low preferential treatment, the use of money exchange is regulated according to the money denomination such as banknotes and coins. Can do. For this reason, only customers with a high preferential degree can use the money exchange, and the differentiation of the customers can be clarified according to the preferential degree. For example, it is possible to allow a good customer to exchange all denominations (coins, tube coins, banknotes) and to allow a general customer to exchange only banknotes.

  According to another restricting means of the present invention, the operation of currency exchange can be regulated according to the customer's preferential degree according to the amount of exchange according to the preferential degree of the customer who uses the currency exchange.

  According to the present invention, as one of the means for restricting frequent exchange of customers who use money exchange, the use of money exchange is regulated according to the amount of exchange of rose coins, wrapping coins, etc. for customers with low preferential treatment. be able to. For this reason, only customers with a high preferential degree can use the money exchange, and the differentiation of the customers by preferential degree can be clarified. For example, it can be set so that a good customer is allowed to exchange without the restriction of the exchange amount, and a general customer is allowed to exchange including the restriction of the exchange amount.

  According to the present invention, since customer identification information and card type information can be acquired at the time of exchange, it is possible to determine exchange fees and transaction regulations appropriate for the customer. For example, if you are recognized as a preferential customer who has a contribution to a financial institution that has a contract with a fixed deposit, the exchange fee will be free, and for other customers who do not have a contract and have no contribution, you may set a fee. it can. For this reason, service provision to preferential customers and reliability can be improved.

  In addition, customers who do not use cards are treated as general customers, customers who use cards are treated as good customers, customers who use exchange-only cards are treated as best customers, and customers who use other cash cards, etc. It is possible to differentiate customers by treating them as excellent customers.

An embodiment of the present invention will be described below with reference to the drawings.
The drawing shows a change machine installed in a store such as a bank. In FIG. 1, the change machine 11 has a card insertion slot 12, a coin outlet 13, a banknote handling slot 14, A tray 15 and a touch input / display (CRT) 16 are provided to allow exchange of banknotes and coins. Furthermore, a fee collection device 17 is provided on the lower front surface of the money changer main body 11a to collect coins by collecting coins.

  The fee collection device 17 has a dedicated fee collection function for processing the money separately from the currency handled on the currency exchange machine main body 11a side, accepting the exchange fee of the exchanged transaction that has been charged, and collecting only the exchange fee independently. ing. For this reason, the exchange amount handled on the change machine main body 11a side and the exchange fee handled by the fee collection device 17 are managed without confusion. For this reason, independent money management becomes possible, and the fee collection device 17 is formed in a thin rectangular plate shape and is integrally installed at the lower front portion of the money changer main body 11a.

  As shown in FIG. 2, a customer detection sensor S for detecting a customer and a return port 18 for returning coins are provided on the front surface of the fee collection device 17, and a customer operation surface for collecting fees on the upper surface. The fee display unit 19, the reception denomination display unit 20, the insertion slot 21, the return button 22, and the return display unit 23 are sequentially provided from one side (left side in FIG. 2) that is provided horizontally. .

  In this case, when the amount of exchange transaction such as the exchange transaction amount or the number of exchanges is determined, the fee display unit 19 displays and guides the necessary exchange fee according to the amount. In addition, when a customer inserts coins into the slot 21 one by one during the exchange fee transaction process, the fee display unit 19 has a deposit operation guide function to display and guide the balance of the exchange fee. Yes.

  Furthermore, in the reception denomination display unit 20, individual coin display units (displays of denominations) according to six denominations of 500 yen, 100 yen, 50 yen, 10 yen, 5 yen, and 1 yen used for circulating coins. This indicator mark is turned on and off individually for each denomination, and the denomination of acceptability is displayed and guided to the denomination, and only denominations that do not cause change when depositing are accepted. Has a guide function.

  The insertion slot 21 has an opening for receiving coins one by one, and the coins of the six denominations are input and used in common. When the return button 22 is pressed after inserting the coin, the transaction is forcibly stopped by the customer and the inserted coin is returned to the return port 18. Further, when coins are returned to the return port 18, the return display unit 23 is turned on or blinked to inform the customer that the coins will be returned.

  FIG. 3 shows a control circuit block diagram of the money changer 11. The main control unit 31 provided in the money changer main body 11a controls each circuit device in accordance with a program stored in the ROM 32, and the control information can be read out by the RAM 33. To remember.

  The main control unit 31 includes a money deposit / withdrawal unit 34, a card processing unit 35, a coin processing unit 36, a bill processing unit 37, a form processing unit 38, a customer operation unit 39, a staff operation unit 40, a voice guidance processing unit 41, a communication The processing unit 42 is connected and controlled.

  The money deposit / withdrawal unit 34 opens and closes the coin outlet 13 and the bill handling port 14 when depositing / withdrawing, and deposits / withdraws coins and bills.

  The card processing unit 35 accepts cards such as exchangeable cards or cash cards that can be traded inserted into the card insertion slot 12 to read transaction information, and to write update information, and to insert the card into the card insertion slot when the transaction ends and is canceled. 12 to release.

The coin processing unit 36 discharges coins or wrapping coins to the coin outlet 13 at the time of exchange.
The banknote processing part 37 takes in and accepts the banknote thrown into the banknote handling port 14, and discharge | releases the banknote of the money type designated at the time of exchange to the banknote handling port 14. FIG.

  The form processing unit 38 issues, for each transaction, a statement that describes the transaction information for the exchange transaction. Each time a statement slip is issued, a copy slip of the same recorded contents is stored in the apparatus.

  The display 16 corresponding to the customer operation unit 39 has a touch input function for displaying the guidance of the exchange transaction, displaying the operation procedure, and performing touch input corresponding to the display portion displayed on the screen. Yes.

  The clerk operation unit 40 uses the clerk panel provided inside the money changer main body 11a to execute a clerk operation such as a failure recovery operation and a maintenance check.

The voice guidance processing unit 41 voice-guides appropriate transaction information at the time of the exchange transaction operation from the speaker.
The communication processing unit 42 is used for communication connection with the fee collection device 17.

  The control unit 43 provided in the fee collection device 17 controls each circuit device in accordance with a program stored in the ROM 44 to control the exchange fee collection, and stores the control information in a readable manner in the RAM 45.

  The control unit 43 of the fee collection device 17 is connected to a coin processing unit 46, a monetary amount display unit 47, and a communication processing unit 48. When coins are inserted into the insertion slot 21, The collected coins are received and collected, and returned to the return port 18 when canceling the coins or deposits that are inappropriate for accepting the exchange fee.

  The fee display unit 19 and the reception denomination display unit 20 corresponding to the money amount display unit 47 display and guide the introduction of a fee required for the exchange fee. Further, at the time of return, the return display unit 23 provides a display guidance to the effect that it is returned.

  The communication processing unit 48 is connected to the communication processing unit 42 of the money changer main body 11 a and transmits information on the exchange fee received by the fee collection device 17 to the main control unit 31.

  In addition, the main control unit 31 transmits customer verification information to the center at the time of exchange, and receives customer information, transaction response information, and the like sent from the center.

  By the way, when the currency exchange machine 11 changes money, there are customers with different degrees of contribution to the bank, so it is necessary to take fair preferential treatment according to the degree of contribution. For this reason, the main control unit 31 acquires identification information for specifying a customer to exchange money, obtains a preferential customer degree representing the degree of contribution from the acquired identification information, and regulates and changes the exchange transaction suitable for the preferential customer degree. Has the function to determine the fee.

  In the regulation of the exchange transaction and the determination of the exchange fee, the customer's contribution to the bank can be determined based on the contract details such as the presence / absence of card usage, presence / absence of transaction account, transaction account type, transaction amount, etc. Different customers can be identified.

Operation example 1

  For example, the preferential customer degree ranking (contribution level) is divided into three categories: general customers, preferential customers 1, and preferential customers 2. Of these, in the case of exchange use of general customers, there is no transaction contract such as a deposit account and there is no contribution to the bank, so it is not preferential, and coins are inserted into the fee collection device 17 as an exchange fee at the time of exchange.

  On the other hand, the exchange which recorded preferential information for preferential customer 1 who has a degree of contribution for the bank who has a trading account such as time deposit and preferential customer 2 who is deemed to have a large contribution for the same reason Distribute cards and use them at the time of exchange to get discounts or free treatment.

  FIG. 4 shows an example of the exchange charge chart. In this billing example, the exchange fee is set in proportion to the number of exchanges. Specifically, the exchange fee when the exchange number is as small as 1 to 50 is set to be free. The exchange fee when the number of exchanges is slightly increased to 51 to 500 is set to 200 yen for general customers, 100 yen for preferential customer 1, and free for preferential customer 2. Furthermore, the exchange fee when the number of exchanges is somewhat large, between 501 and 1000, is set to 400 yen for general customers, 200 yen for preferential customer 1, and free for preferential customer 2. Finally, when the number of exchanges is as large as 1001 or more, the exchange fee is set to 600 yen for general customers, 300 yen for preferential customer 1, and free for preferential customer 2. In this way, the exchange fee is differentiated according to the preferential customer degree, and is further set to an amount proportional to the number of exchanged customers.

  As a result, the general customer is not given preferential treatment, and the preferential customer 1 is given preferential treatment in which the exchange fee is slightly discounted compared to the general customer. The preferential customer 2 does not need an exchange fee, and is given a preferential treatment privilege that it is free regardless of the number of exchanges.

  In setting the exchange fee, a discount validity period and a free validity period of the exchange fee can be set for each customer.

Next, the exchange processing operation of the operation example 1 using the money changer 11 will be described with reference to the flowchart of FIG.
When the customer makes a currency exchange transaction using the money changer 11, the customer performs an input operation according to the money exchange usage guide displayed on the display 16. At this time, if the customer uses an exchange card distributed in advance, the exchange card is inserted into the card insertion slot 12 and exchange using the exchange card is started. If there is no exchange card, the start key is input (step n1).

  At this time, when the customer performs an input operation on the start key, the main control unit 31 determines that the general customer uses the money exchange (step n2).

  When the main control unit 31 determines that the general customer uses currency exchange, the exchange fee is charged. After the exchange fee is collected from the general customer, the exchange transaction (see the flowchart of FIG. 6) is executed (step n3).

  When the exchange card is inserted into the card insertion slot 12 at the time of exchange, the main control unit 31 determines whether the customer is the preferential customer 1 or the preferential customer 2 by reading customer identification information from the exchange card (step n4).

  When the main control unit 31 identifies that the preferential customer 1 is used for currency exchange, after collecting the exchange fee appropriate for the preferential customer 1, the exchange transaction (see the flowchart of FIG. 7) by the preferential customer 1 is executed (see FIG. 7). Step n5).

  If the main control unit 31 identifies that the preferential customer 2 is used for currency exchange in step n4, it is set free of charge, so no exchange fee is collected, and the currency exchange transaction by the preferential customer 2 (see the flowchart in FIG. 8). Is executed (step n6).

Next, the specific customer exchange processing operation in step n3 will be described with reference to the flowchart of FIG.
When the general customer deposits the exchange money according to the exchange usage guide on the display 16 (step n11), and subsequently performs an input operation for the number of exchanges to be exchanged (step n12), the main control unit 31 changes the currency according to these exchange operations. The exchange fee is calculated according to the number of sheets and general customers who are not the preferential target (step n13).

  If the number of money exchanged during the exchange transaction is as small as 50 or less, it is within the service area, so the exchange fee is set to be free, and the exchange fee is withdrawn without collecting the exchange fee (step n14).

  However, if the number of exchanges is 51 or more, the exchange fee is charged because it is outside the service area. For this reason, the exchange fee set according to the number of money exchanges and general customers is collected (step n15).

  When the collection of the exchange fee is completed, the operation proceeds to the exchange operation of the exchange money, and the exchange money of the designated money type and the number of exchanges is paid out to the coin outlet 13 and the bill handling port 14 (step n16).

  On the other hand, the main control unit 31 stores the exchanged money and the exchange fee received (step n17), confirms that the exchanged money has been taken out, and completes the exchange process by the general customer. (Step n18).

Next, the specific currency exchange processing operation of the preferential customer 1 in step n5 will be described with reference to the flowchart of FIG.
The preferential customer 1 deposits a money exchange according to the currency exchange usage guide on the display 16 (step n21), and then inputs an exchange number for exchange transaction (step n22). In response to these exchange operations, the main control unit 31 The exchange fee corresponding to the number of exchanges and the preferential customer 1 is calculated (step n23).

  If the number of money exchanged at the time of the exchange transaction is as small as 50 or less, the exchange fee is set to be free because it is within the service area, and the exchange money is withdrawn without collecting the exchange fee (step n24).

  However, if the number of exchanges is 51 or more, the exchange fee is charged because it is out of the service area, so the exchange fee set according to the exchange number and the preferential customer 1 is collected (step n25).

  When the collection of the exchange fee is completed, the operation proceeds to the operation of withdrawing the exchange money, and the exchange money of the designated money type and the number of exchanges is paid out to the coin outlet 13 and the bill handling port 14 (step n26).

  On the other hand, the main control unit 31 stores the exchange money and the exchange fee received (step n27), and returns the exchange card previously taken in from the card insertion slot 12 (step n28).

  When it is confirmed that the money exchanged is withdrawn, the one currency exchange process by the preferential customer 1 is completed (step n29).

Next, the specific currency exchange processing operation of the preferential customer 2 at step n6 will be described with reference to the flowchart of FIG.
The preferential customer 2 deposits money according to the exchange usage guide on the display 16 (step n31), and then inputs an exchange number for exchange transaction (step n32). In response to these exchange operations, the main control unit 31 Since the preferential customer 2 is a customer with a high degree of contribution, all exchange fees are free and no exchange fees are collected. For this reason, the main control unit 31 immediately moves to a money-dispensing operation, and pays out the money type designated for money exchange and the money of the number of money exchanged to the coin outlet 13 and the bill handling port 14 (step n33).

  On the other hand, the main control unit 31 stores the received money exchange (step n34), and returns the exchange card previously taken in from the card insertion slot 12 (step n35).

  When it is confirmed that the money exchanged is withdrawn, the one currency exchange process by the preferential customer 2 is completed (step n36).

Operation example 2

  Next, an example of operation in which the degree of preferential customers is divided into two types of general customers and preferential customers will be shown. Of these, in the case of exchange use of general customers, there is no transaction contract such as a deposit account and there is no contribution to the bank, so it is not preferential, and coins are inserted into the fee collection device 17 as an exchange fee at the time of exchange.

  On the other hand, exchange cards with preferential information valid for a certain period are distributed to preferential customers who have a contribution to the bank who has trading accounts such as time deposits. Use it for discounts or free treatment. In this way, when using an exchange card in which preferential information valid for a certain period is used, the degree of preferential customers can be reviewed every predetermined period, so that the exchange fee can be set finely. This exchange fee may be collected when the exchange card is distributed or distributed free of charge. By using such an exchange card, the preferential customer does not have to make an operation for depositing the exchange fee every time the exchange transaction is performed, and the exchange transaction can be smoothly performed.

  FIG. 9 shows an example of the exchange charge chart. In this billing example, the exchange fee is set in proportion to the number of exchanges. Specifically, the exchange fee when the exchange number is as small as 1 to 50 is set to be free. In addition, the exchange fee when the number of exchanges is slightly increased to 51 to 500 is set to 200 yen for general customers and free for preferential customers. Furthermore, the exchange fee when the number of exchanges is a little between 501 and 1000 is set to 400 yen for general customers and free for preferential customers. Finally, the exchange fee when the number of exchanges is as large as 1001 or more is set to 600 yen for general customers and free for preferential customers.

  In this way, even if the exchange card is distributed to the preferential customer and the exchange fee is set in advance, the preferential treatment is not obtained for the preferential customer, whereas the preferential customer does not receive the preferential treatment. All preferential treatment is free.

Next, the exchange processing operation of the operation example 2 using the money changer 11 will be described with reference to the flowchart of FIG.
When the customer makes a currency exchange transaction using the money changer 11, the customer performs an input operation according to the money exchange usage guide displayed on the display 16. At this time, if the customer uses an exchange card distributed in advance, the exchange card is inserted into the card insertion slot 12 and exchange using the exchange card is started. If there is no exchange card, the start key is input (step n41).

  At this time, when the customer performs an input operation on the start key, the main control unit 31 determines that the general customer uses the money exchange (step n42).

  When the main control unit 31 determines that the general customer uses currency exchange, the exchange fee is charged. After collecting the exchange fee from the general customer, the exchange transaction (see the flowchart of FIG. 6) is executed (step n43).

  When the exchange card is inserted into the card insertion slot 12 at the time of exchange, the main control unit 31 confirms that the customer is a preferential customer by reading customer identification information from the exchange card. When the main control unit 31 confirms that the preferential customer is using currency exchange, since it is set free of charge, the exchange fee is not collected and the exchange transaction (see the flowchart of FIG. 8) is executed (step n44). ).

Operation example 3

  Next, another example of operation in which the order of the preferential customer degree is divided into three categories of general customers, preferential customers 1 and preferential customers 2 is shown. Of these, general customers are not treated preferentially, and coins are inserted into the fee collection device 17 as an exchange fee at the time of exchange.

  On the other hand, the preferential customer 1 makes the exchange transaction by depositing the remaining exchange fee discounted at the time of the exchange, or prepaid the prepaid information on the exchange card (prepaid card method) and changes the money at the time of the exchange. Select whether to reduce the exchange fee from the card.

  The preferential customer 2 uses a currency exchange card in which free preferential information is recorded. As a result, all exchange fees are free when changing money.

  FIG. 11 shows an example of the exchange charge chart. In this billing example, the exchange fee is set in proportion to the number of exchanges. Specifically, the exchange fee when the exchange number is as small as 1 to 50 is set free for all customers.

  When the number of exchanges is slightly increased to 51 to 500, the exchange fee is set to 200 yen for ordinary customers, 100 yen for preferential customer 1 or 1 time (the number of card reductions), and free for preferential customer 2. Furthermore, the exchange fee when the number of exchanges is somewhat large, between 501 and 1000, is set to 400 yen for ordinary customers, 200 yen or 2 times (a reduced number of cards) for preferential customer 1, and free for preferential customer 2. Finally, when the number of exchanges is as large as 1001 or more, the exchange fee is set to 600 yen for general customers, 300 yen or 3 times (a reduced number of cards) for preferential customer 1, and free for preferential customer 2.

  As a result, the general customer needs to pay a currency exchange fee in money each time it is exchanged. On the other hand, the preferential customer 1 can pay the exchange fee using either money or an exchange card. Furthermore, the preferential customer 2 can use the money exchange fee for free regardless of the number of money exchanged.

  The exchange processing operation in the case of using the operation example 3 is different from the flow chart of the exchange processing operation in FIG. 5 shown in the operation example 1 when the preferential customer 1 exchanges money (step n5). The only difference is whether to pay the exchange fee or use the exchange card to pay the exchange fee. For this reason, the description of the same exchange processing operation is omitted.

Operation example 4

  Next, an example of operation in which the order of the preferential customer degree is divided into four categories of general customers, preferential customers 1, preferential customers 2, and preferential customers 3 is shown. Of these, the general customers are not eligible for preferential treatment, and at the time of currency exchange, coins are inserted into the fee collection device 17 for payment as a currency exchange fee.

  On the other hand, the preferential customer 1 also uses the cash card issued by the bank as the exchange card. Specific information such as the number of the cash card and the account type is used as customer identification information, and coins are inserted into the fee collection device 17 as an exchange fee at the time of exchange.

  The preferential customer 2 is a customer who contributes more to the bank than the preferential customer 1, and similarly, the bank card of the bank is also used as an exchange card. Then, specific information such as a cash card number and account type is used as customer identification information, and coins are inserted into the fee collection device 17 as an exchange fee at the time of exchange.

  Preferential customer 3 is the customer with the highest contribution to the bank. For this reason, when the preferential customer 3 uses his / her cash card in which free preferential information is recorded, all exchange fees are free at the time of exchange.

  FIG. 12 shows an example of the exchange charge chart. In this billing example, the exchange fee is set in proportion to the number of exchanges, and the exchange fee when the number of exchanges is as small as 1 to 50 is 200 yen only for general customers, preferential customer 1, preferential customer 2 and preferential customer 3 are Each is set free.

  When the number of exchanges is slightly increased to 51 to 500, the exchange fee is set to 200 yen for general customers, 200 yen for preferential customer 1, 100 yen for preferential customer 2, and free for preferential customer 3. Furthermore, the exchange fee when the number of exchanges is as large as 501 to 1000 is set to 400 yen for general customers, 400 yen for preferential customer 1, 200 yen for preferential customer 2, and free for preferential customer 3. Finally, when the number of exchanges is as large as 1001 or more, the exchange fee is set to 600 yen for general customers, 600 yen for preferential customer 1, 300 yen for preferential customer 2, and free for preferential customer 3.

  In this way, the preferential customers can be easily identified from the registered information of the issued cash card registered in advance, and the customer of the bank received the preferential treatment by using this cash card as the exchange card. You can exchange money. For this reason, it is not necessary to issue and manage a new exchange card, and it is possible to operate efficiently.

Next, the exchange processing operation of the operation example 4 using the money changer 11 will be described with reference to the flowchart of FIG.
When the customer makes a currency exchange transaction using the money changer 11, the customer performs an input operation according to the money exchange usage guide displayed on the display 16. At this time, if the customer uses his / her cash card instead of the exchange card, the cash card is inserted into the card insertion slot 12 and exchange using the cash card is started. If there is no cash card, the start key is input (step n51).

  At this time, when the customer performs an input operation on the start key, the main control unit 31 determines that the customer is using the currency exchange (step n52).

  When the main control unit 31 determines that the general customer uses currency exchange, the exchange fee is charged. After the exchange fee is collected from the general customer, the exchange transaction is executed (step n53).

  When the cash card is inserted into the card insertion slot 12 at the time of exchange, the main controller 31 reads the customer identification information from the cash card and determines whether or not it is the preferential customer 1 (step n54).

  If the main control unit 31 identifies that the preferential customer 1 is used for currency exchange, after collecting the exchange fee suitable for the preferential customer 1, the exchange transaction by the preferential customer 1 is executed (step n55).

  If it is determined in step n54 that the customer is not the preferential customer 1 (step n56), then it is determined whether or not the customer is the preferential customer 2, and if the main control unit 31 identifies that the preferential customer 2 is exchanged, After collecting the exchange fee according to the preferential customer 2, the exchange transaction by the preferential customer 2 is executed (step n57).

  If the main control unit 31 identifies that it is not the preferential customer 2 in step n56, it can be identified that the preferential customer 3 is using the money exchange. In this case, since it is set free of charge, no exchange fee is collected, and a currency exchange transaction by the preferential customer 3 is executed (step n58).

Example 5

  Next, an example of operation in which the degree of preferential customers is divided into two types of general customers and preferential customers will be shown. Of these, in the case of exchange use of general customers, there is no transaction contract such as a deposit account and there is no contribution to the bank, so it is not preferential, and coins are inserted into the fee collection device 17 as an exchange fee at the time of exchange.

  On the other hand, for preferential customers who have a degree of contribution to the bank who has a trading account such as a time deposit, distribute a cash card issued by the bank or a currency exchange card that records preferential information, By using one of the cards at the time of exchange, the exchange fee is discounted or treated free of charge. When using these cards, the usage history is stored every time the card is used, and the exchange fee is withdrawn from the customer's account at a later date according to the usage history and collected.

  Among these, when a cash card is used, the issued cash card can be used effectively, and the exchange transaction can be performed by using the registration information of the cash card registered in advance as an exchange card. In addition, when the exchange card is used, it can be applied to the operation of permitting the exchange even if the holder of the account for paying the exchange fee and the exchange user such as a store clerk are not the same person.

  If such an operation is executed, it becomes possible to review the preferential customer degree for each customer whose transaction contents gradually change every fixed period. By using the cash card or the exchange card in this way, the preferential customer does not have to perform a deposit operation every time a transaction is made, and an advantage of smooth use of the exchange can be obtained.

  FIG. 14 shows an example of the exchange charge chart. In this billing example, the exchange fee is set in proportion to the number of exchanges. Specifically, the exchange fee when the exchange number is as small as 1 to 50 is set to be free. In addition, the exchange fee when the number of exchanges is slightly increased to 51 to 500 is set to be 200 yen for ordinary customers and to be withdrawn from the account at a later date for preferential customers. Furthermore, the exchange fee when the number of exchanges is as large as 501 to 1000 is set to 400 yen for general customers and to be withdrawn from the account at a later date for preferential customers. Finally, the exchange fee when the number of exchanges is as large as 1001 or more is set to be 600 yen for ordinary customers and to be withdrawn from the account at a later date for preferential customers.

  In this way, even if it is set so that the exchange fee is deducted from the customer's account and collected according to the usage history of the preferential customer's cash card or exchange card, the preferential customer cannot obtain preferential treatment, but the preferential customer The exchange fee is discounted, and there is a preferential treatment in which it is not necessary to deposit the exchange fee for each exchange transaction.

  Furthermore, when setting the exchange fee, the maximum monthly exchange fee of the preferential customer can be set in advance. When set in this way, preferential measures can be taken so as not to take excessive exchange fees from preferential customers.

  The exchange processing operation when this operation example 5 is used is different from the flowchart of the exchange processing operation of FIG. 10 shown in the operation example 2 in order to withdraw at a later date when the preferential customer is changed (step n5, step n6). The other processes are the same except that a cash card or a currency exchange card is used. For this reason, the description of the same exchange processing operation is omitted.

Operation example 6

  In the operation examples 1 to 5, the exchange fee is set to be high in proportion to the number of exchanges, but in this operation example 6, the exchange fee can be set to be high in proportion to the number of exchange usage.

  For example, it is set free of charge for one day, or up to once a month for free, or charged for more than that. Further, when the number of exchanges exceeds a predetermined limit, the exchange fee can be set so as to increase in proportion thereto.

  This operation example shows a case where the preferential customer degree is divided into three types of general customers, preferential customers 1 and preferential customers 2. Among them, when a general customer uses money exchange, there is no transaction contract such as a deposit account and the contribution degree is not recognized for the bank, so it is not given preferential treatment. At the time of money exchange, a coin is inserted into the fee collection device 17 and paid.

  On the other hand, the exchange which recorded preferential information for preferential customer 1 who has a degree of contribution for the bank who has a trading account such as time deposit and preferential customer 2 who is deemed to have a large contribution for the same reason Distribute cards and use them at the time of exchange to get discounts or free treatment.

  FIG. 15 shows an example of the exchange charge chart. In this billing example, the exchange fee is set in proportion to the number of exchanges. Specifically, since ordinary customers are not eligible for preferential treatment, 600 yen is collected uniformly every time they exchange regardless of the number of exchanges. On the other hand, in the case of the preferential customer 1 who has a certain degree of contribution, if the number of exchanges is about once a month, the exchange fee is set free because it is within the service area. In addition, the exchange fee when the number of exchanges is slightly increased to 2-5 times / month is set to 100 yen. Furthermore, the exchange fee when the number of exchanges is a little as high as 6 to 10 is set at 200 yen. Finally, the exchange fee when the number of exchanges is as high as 10 or more is set to 300 yen. In addition, the preferential customer 2 with the highest contribution sets all exchange fees free of charge regardless of the number of exchanges. In this way, the exchange fee is differentiated according to the preferential degree of the customer, and is further set to an amount proportional to the number of exchanges.

  As a result, the general customer is not given preferential treatment, and the preferential customer 1 is given preferential treatment in which the exchange fee is slightly discounted compared to the general customer. The preferential customer 2 does not need any exchange fee, and can obtain a preferential treatment privilege that it is free regardless of the number of exchanges.

  The exchange processing operation when this operation example 6 is used is different from the flowchart of the exchange processing operation of FIG. 5 shown in the operation example 1 in that all ordinary customers are charged and all the preferential customers 2 are operated free of charge. When using the preferential customer 1, the exchange fee charged according to the number of exchanges (frequency) is used instead of the exchange fee charged according to the number of exchanges (amount) at the time of exchange (step n5). Just the other is the same process. For this reason, the description of the same exchange processing operation is omitted.

Operation example 7

  In this operation example, the operation of whether or not to permit the exchange transaction is determined according to the exchange denomination such as banknotes, rose coins and tube coins used for exchange and the exchange contents of the exchange amount. For this reason, whether or not a currency exchange transaction according to the content of the exchange is set for each customer having a different preferential degree.

  FIG. 16 shows an example of an operation regulation chart indicating whether or not money exchange transactions can be operated. In this example of operation regulation, general customers are not eligible for preferential treatment, so exchange is permitted only when the currency type is a banknote, and exchange of other rose coins and tube coins is restricted.

  On the other hand, in the case of a preferential customer who has a certain degree of contribution, the exchange of banknotes and loose coins is permitted and the exchange of tube coins is restricted. Furthermore, in the case of the most preferential customers, all exchange transactions are permitted regardless of the contents of the exchange. As described above, since it is possible to regulate the exchange according to the preferential degree of the customer, the fair exchange operation for each customer according to the contribution degree of the bank can be achieved.

  As described above, when a customer uses a currency exchange, the customer's preferential customer degree is calculated, and if the customer is a preferential customer whose contribution is recognized by the bank, the exchange fee is discounted or free, and the contribution is recognized. If there is no general customer, a currency exchange fee will be collected. For this reason, a fair exchange fee can be set according to the degree of contribution to the bank, preferential customers can be provided with preferential services, and the reliability of exchange transactions can be improved.

In correspondence between the configuration of the present invention and the configuration of the above-described embodiment,
The identification information acquisition means and determination means of the present invention correspond to the touch input display 16 of the embodiment, the card processing unit 35 for reading card information, and the main control unit 31 for checking and checking the card information.
Similarly,
Currency corresponds to banknotes and coins,
The determining unit, the regulating unit, and the implementing unit correspond to the main control unit 31,
The collection means corresponds to the fee collection device 17,
The currency exchange processing device corresponds to the money changer 11,
The storage medium supports exchange cards and cash cards,
Although the preferential customer degree corresponds to the contribution degree to one's own bank, the present invention is not limited only to the configuration of the above-described embodiment, and can be applied based on the technical idea shown in the claims.

  For example, in the above-described embodiment, the operation example of the money changer for exchanging the current currency has been shown. However, the present invention is not limited to this and can be applied to the money changer for changing the foreign currency.

The external appearance perspective view of a money-changing machine. The principal part top view which shows the customer service operation surface of a fee collection apparatus. The control circuit block diagram of a money changer. The exchange charge chart which shows the exchange fee of the operation example 1. FIG. The flowchart which shows the exchange process operation | movement of the operation example 1. FIG. The flowchart which shows the exchange process operation | movement of the general customer of the example 1 of operation. The flowchart which shows the exchange process operation | movement of the preferential customer 1 of the operation example 1. FIG. The flowchart which shows the exchange process operation | movement of the preferential customer 2 of the operation example 1. FIG. The exchange charge chart which shows the exchange fee of the operation example 2. FIG. The flowchart which shows the exchange process operation | movement of the example 2 of operation. The exchange charge chart which shows the exchange fee of the operation example 3. FIG. The exchange charge chart which shows the exchange fee of the operation example 4. FIG. 10 is a flowchart showing a change processing operation in an operation example 4; FIG. 10 is a currency exchange chart showing the exchange fee for operation example 5. FIG. The exchange charge chart which shows the exchange fee of the operation example 6. FIG. The operation regulation chart which shows the example of regulation of the exchange operation of the operation example 7.

Explanation of symbols

DESCRIPTION OF SYMBOLS 11 ... Currency exchange machine 16 ... Display device 17 ... Charge collection apparatus 31 ... Main control part 35 ... Card processing part

Claims (7)

An exchange processing device for exchanging deposited money for a specific denomination desired by a customer,
An identification information acquisition means for acquiring identification information of a customer who uses the currency exchange;
Determining means for determining whether or not a storage medium such as a card has been received;
Determining means for determining the preferential degree of the customer based on the acquired identification information or the determining means;
An exchange processing apparatus comprising: an implementing unit that implements at least one of a regulation unit that regulates the operation of exchange based on a customer's preferential degree determined by the determination unit or a collection unit that collects an exchange fee.   The said identification information acquisition means acquires a customer's identification information and card | curd type information from the storage medium which memorize | stores the customer's identification information and card | curd type information distributed beforehand, or the contract information which the customer contracts. Currency exchange processing device.   The exchange processing apparatus according to claim 1 or 2, wherein the collection means collects an exchange fee for each customer preferential degree based on identification information for identifying a preferential customer degree.   The exchange processing apparatus according to any one of claims 1 to 3, wherein the collection means collects an exchange fee according to a customer's preferential degree according to a fee exchanged by a customer who uses the exchange.   The exchange processing apparatus according to any one of claims 1 to 4, wherein the collection means collects an exchange fee according to a customer's preferential degree according to the number of exchange usages of the customer who uses the currency exchange.   The exchange processing device according to any one of claims 1 to 5, wherein the regulating means regulates the operation of the exchange according to the preferential degree of the customer according to the exchange denomination of the customer who uses the exchange. The exchange processing device according to any one of claims 1 to 6, wherein the regulating means regulates the operation of exchange according to the customer's preferential degree according to the exchange amount of the customer who uses the exchange.

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