JP2009146309A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To surely perform a payment transaction of a payment amount of money desired by a customer, even when money with denominations to be dispensed runs short to the payment amount of money desired by the customer. <P>SOLUTION: A main control section 12 calculates a difference between a payment amount of money of which input is received by an input section 2b and an amount of money to be dispensed which exceeds the payment amount of money and can be dispensed with money with denominations for which dispensing processing can be performed, as an amount of money to be deposited; and depositing and dispensing sections 7, 8 perform depositing processing of money equivalent to the amount of money to be deposited, and dispensing processing of money equivalent to the amount of money to be dispensed, and perform a payment transaction of the input payment amount of money. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that is installed in a financial institution such as a bank and accepts a customer's operation to perform a cash payment transaction or a deposit transaction.

The conventional automatic transaction apparatus is a payment transaction that pays out the amount of cash entered by a customer's operation. If the customer cannot be paid to the customer, the customer cannot perform the payment transaction, resulting in a decrease in service to the customer.
In order to avoid such a decline in service to customers, we refuse to enter unpaid amounts and accept amounts that can be paid (for example, if you can only pay 10,000 yen tickets, the payment amount is 10,000 yen Some allow payment transactions (accepting unit entry and rejecting thousand yen units).

In addition, it has been expanded so that there are multiple cash storages of the same denomination to store cash of the same denomination, even if there is a shortage of cash in one cash storage, cash is paid out from other cash storages, There are some that allow payment transactions to be continued (see, for example, Patent Document 1).
In addition, a cash cassette that stores cash is provided separately from the cash storage for each type of money, and when the cash in the cash storage is insufficient, the cash of the denomination that is missing from the cash cassette is replenished to the cash storage. In some cases, payment transactions can be continued (see, for example, Patent Document 2).
JP-A-5-143822 (paragraphs “0053” to “0054”, FIG. 1) Japanese Patent Laid-Open No. 5-54230 (paragraphs “0049” to “0052”, FIG. 7)

However, in the above-described conventional technology, even if the input of the payable amount is accepted, for example, if the thousand yen ticket is insufficient, the customer cannot input the amount in thousand yen units. However, there is a problem that it is not possible to make a payment transaction that pays the desired amount of cash.
In addition, there is a problem that an automatic transaction apparatus becomes large when an additional cash storage or a collective cassette is provided, and a small automatic transaction apparatus has a problem that an additional cash storage or a collective cassette cannot be provided. .

In addition, when a cash cassette is provided and the cash in the cash storage is insufficient, even if the cash storage is replenished with cash of the denomination that is lacking from the bulk cassette, Since payment transactions cannot be performed, there is a problem that the waiting time of the customer becomes long.
An object of the present invention is to solve such a problem.

  Therefore, the present invention provides an automatic transaction apparatus that accepts a customer's operation and performs a money payment transaction and a money receipt transaction. Deposit / withdrawal unit for depositing / withdrawing money stored in the safe and depositing / dispensing processing for paying out money stored in the safe deposit box of the money type, the payment amount received by the input unit, and the payment amount A difference calculating means for calculating a difference from a withdrawal amount that can be withdrawn with money of a denomination that can be withdrawn as a deposit amount, wherein the deposit and withdrawal unit calculates the difference calculated by the difference calculation means It is characterized in that a deposit transaction of money corresponding to the amount is performed and a withdrawal process of money corresponding to the withdrawal amount is performed to perform a payment transaction of the input payment amount.

According to the present invention as described above, even when the denomination of money (banknotes and / or coins) to be withdrawn with respect to the payment amount desired by the customer is insufficient, the withdrawal processing is performed with the money that can be withdrawn. As a result, it is possible to carry out a payment transaction for paying the payment amount desired by the customer without adding a cash storage or the like.
In addition, even when the denomination of money to be withdrawn is insufficient, there is no need to urgently replenish the insufficient money, and the effect of preventing the customer from waiting is obtained.

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

FIG. 1 is a block diagram showing the configuration of the automatic transaction apparatus in the first embodiment, and FIG. 2 is a perspective view showing the appearance of the automatic transaction apparatus in the first embodiment.
1 and 2, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a sales office of a financial institution such as a bank or a post office or a store such as a convenience store, accepts customer operations, pays cash, receives cash, etc. Is a transaction.

  Reference numeral 2 denotes a customer service unit, which is provided in front of the automatic transaction apparatus 1 and is configured by combining a display unit 2a such as a CRT or LCD and an input unit 2b including position signal detection means such as a touch panel. The display unit 2a of the customer service unit 2 displays a transaction selection screen for selecting a transaction, a screen for inquiring about customer's wishes, a guidance screen for prompting the customer's operation, an operation button for receiving the operation, and the input unit 2b. To accept customer operations.

A card processing unit 3 is issued by a financial institution and is stored from a customer identification card (hereinafter referred to as “cash card”) in which an identification code for each financial institution, a customer account number, a name, and the like are recorded. Information is read.
The card processing unit 3 reads information recorded on a magnetic stripe or the like of a cash card inserted from a card insertion / return port 3a provided on the front face of the automatic transaction apparatus 1, and also an IC chip of an inserted IC card or the like And a communication unit that transmits and receives information to and from the device, and can read information recorded on an IC chip and request processing. The IC card may not be provided with a magnetic stripe. The card from which the information has been read is discharged from the card insertion / return port 3a and returned to the customer.

  4 is a receipt processing unit, which prints the contents of a transaction performed upon receipt of a customer's operation on a statement slip (hereinafter referred to as “receipt”), and releases the receipt from a receipt discharge port (not shown) to be issued to the customer. To do. This receipt is a piece of paper on which information related to a customer's transaction such as payment, payment, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. is printed. Account number, type of financial transaction, transaction The amount is printed. This receipt may be issued only when the customer desires.

Reference numeral 5 denotes a voice guidance unit, which outputs voice guidance text and the like for guiding customer operations based on voice data stored in advance in a storage unit to be described later.
A passbook processing unit 6 reads information recorded from the magnetic stripe of the passbook inserted through the passbook insertion / return port 6a provided on the front face of the automatic transaction apparatus 1 and accepts customer operations in the passbook. The contents of the transaction are printed, and the passbook is released from the passbook insertion / return port 6a and returned to the customer. This passbook is a booklet such as a bank passbook issued by a financial institution to a customer, and records transactions such as deposit, payment, passbook entry, balance inquiry, transfer, transfer, remittance, and periodic deposit setting. Is printed. The passbook is provided with a magnetic stripe for recording information such as the customer's name and account number on the front cover or back cover. The member for recording information may be an IC chip embedded in a passbook instead of the magnetic stripe. The passbook unit 6 is provided with a magnetic head for reading the information recorded on the magnetic stripe of the passbook and the information recorded on the IC chip, an IC contact, and the like.

  Reference numeral 7 denotes a banknote deposit / withdrawal unit, which discriminates and counts the authenticity of banknotes inserted into the banknote deposit / withdrawal port 7a provided on the front surface of the automatic transaction apparatus 1 by a customer's operation, and stores it in a temporary storage unit (not shown). When the deposit amount is confirmed by the customer, the stored banknotes are paid out from the temporary storage unit and stored in the denomination storage vault, and the banknote of the amount specified by the customer operation is extended from the denomination storage vault, A withdrawal process is performed in which the bill is delivered to the banknote deposit / withdrawal port 7a and paid to the customer.

  Since the banknote depositing / withdrawing unit 7 is provided with a denomination storage safe, it is possible to perform depositing and dispensing processing of banknotes of multiple denominations. In this embodiment, there are three types of storage safes for storing 10,000 yen, 1,000 yen, 5,000 yen and 2,000 yen tickets, and 10,000 yen and 1000 yen vaults are stored and delivered. The storage safe that stores the 5,000 yen ticket and the 2,000 yen ticket is configured to be able to store the banknote but not to pay it out. Therefore, the banknote deposit / withdrawal unit 7 can perform withdrawal processing of 10,000 yen tickets and 1000 yen tickets, and can perform deposit processing of 10,000 yen tickets, 5,000 yen tickets, 2000 yen tickets, and 1000 yen tickets. Is supposed to be able to.

In addition, a detection unit such as a sensor that can detect the presence or absence of banknotes stored in each storage safe, and a counter that stores the number of denominated banknotes stored in each storage safe in a storage unit to be described later Is provided so that the denomination of the banknote that can be withdrawn can be determined.
Here, the banknote with the highest face value that can be processed by the banknote depositing / withdrawing unit 7 is the “high-value banknote”, and the banknote whose face value is lower than the high-value banknote among the banknotes that can be deposited is “low-value banknote”. I will call it. In the present embodiment, the 10,000 yen ticket becomes a high-value banknote, and the 5,000 yen ticket, the 2000 yen ticket, and the 1000 yen ticket become low-value banknotes.

  Reference numeral 8 denotes a coin deposit / withdrawal unit, which discriminates and counts the authenticity of coins inserted into the coin deposit / withdrawal port 8a provided on the front face of the automatic transaction apparatus 1 by a customer's operation and stores it in a temporary storage unit (not shown). When the deposit amount is confirmed by the customer, the stored coins are paid out from the temporary storage unit and stored in the money-type storage safe, and the coin of the amount specified by the customer operation is paid out from the money-type storage safe, A withdrawal process is carried out to be carried to the coin deposit / withdrawal port 8a and paid to the customer.

Since the coin deposit / withdrawal unit 8 also includes a denomination-type storage safe, it is possible to perform deposit / withdrawal processing of coins of a plurality of denominations.
In addition, each storage safe has a detection unit such as a sensor that can detect the presence or absence of banknotes stored therein, and a counter that stores the number of denominated coins stored in each storage safe in a storage unit described later. Is provided so that the denomination of coins that can be withdrawn can be determined.

The banknote deposit / withdrawal unit 7 and the coin deposit / withdrawal unit 8 are collectively referred to as “deposit / withdrawal unit”, and the banknote and / or coin is referred to as “money”.
Reference numeral 9 denotes an interface unit, information for obtaining permission for various transactions with a host computer (not shown) connected so as to be able to communicate with each other via a communication line, information for verifying the identity by a personal identification number or biometric information, etc. The communication control for transmitting and receiving is performed.

  Reference numeral 10 denotes a storage unit composed of a semiconductor memory or a magnetic disk. The storage unit 10 includes a control program (software) for controlling the operation of the entire automatic transaction apparatus 1, information necessary for various transactions, image information to be displayed on the display unit 2a of the customer service unit 2, and banknote deposit / withdrawal. The number of denominated banknotes stored in each storage safe of the unit 7 and the number of denominated coins stored in each storage safe of the coin deposit / withdrawal unit 8 are stored as a counter.

A power supply unit 11 supplies power to the entire automatic transaction apparatus 1.
Reference numeral 12 denotes a main control unit, which is composed of a CPU (Central Processing Unit) or the like, and based on the control program stored in the storage unit 10, the customer service unit 2, the card processing unit 3, the receipt processing unit 4, and the voice guidance unit described above. 5, the operation | movement of the automatic transaction apparatus 1 whole containing the bankbook process part 6, the banknote depositing / withdrawing part 7, the coin depositing / withdrawing part 8, the interface part 9, the memory | storage part 10, etc. is controlled.

Further, the main control unit 12 can withdraw money with the amount of payment accepted by the input unit 2b based on the counter stored in the storage unit 10, and money of denomination that can be withdrawn beyond the amount of payment. A difference calculation means (control program) is provided for calculating the difference from the withdrawal amount as the deposit amount.
The operation of the above configuration will be described.

The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
Further, it is assumed that a “business execution program” for executing various transactions is stored in advance in the storage unit 10 of the automatic transaction apparatus 1 in the embodiment described below.

First, a normal payment transaction will be described according to a step represented by S in the flowchart showing a normal payment transaction process in the embodiment of FIG.
A staff member of a financial institution or the like turns on the power of the automatic transaction apparatus 1 at the start of work or the like. The power supply unit 11 of the automatic transaction apparatus 1 supplies power to each unit. As a result, the “business execution program” stored in the storage unit 10 of the automatic transaction apparatus 1 is automatically activated.

S1: When the “business execution program” is activated, the main control unit 12 of the automatic transaction apparatus 1 displays a transaction selection screen shown in FIG. 5A on the display unit 2a of the customer service unit 2 and waits for a customer operation.
This transaction selection screen is a message that prompts the user to press a transaction button, a “draw” button for executing a payment transaction, a “deposit” button for executing a deposit transaction, and a transfer transaction. "Transfer" button, "Transfer" button to execute the transfer transaction, "Balance inquiry" button to execute the balance inquiry transaction to inquire about the account balance, Fill in the passbook to fill in the transaction data not filled in the passbook A transaction button for selecting a transaction such as a “passbook entry” button for executing the transaction is configured.

In the present embodiment, it is assumed that the customer selects a payment transaction from the screen of the display unit 2a and presses the “draw” button by the input unit 2b.
S2: The main control unit 12 that has recognized the transaction selected by the customer by the position signal of the input unit 2b, etc., moves the process to S4 if the recognized transaction is a payment transaction, and moves the process to S3 if it is another transaction. .

S3: The main control unit 12 that recognizes the transaction selected by the customer as a transaction other than the payment transaction executes other selected normal transaction processing, but the description thereof is omitted.
The main control part 12 which complete | finished execution of the other transaction process transfers a process to S1, displays a transaction selection screen on the display part 2a, and waits.
S4: The main control unit 12 that has recognized the transaction selected by the customer as a payment transaction is a word prompting the insertion of the cash card shown in FIG. 5B on the display unit 2a, an illustration of the cash card, and “ The card insertion guidance screen displaying the “Cancel” button is displayed.

The customer inserts the cash card into the card insertion / return slot 3a according to the card insertion guidance screen, and the main control unit 12 that detects the insertion of the cash card takes the cash card by the card processing unit 3 and stores it in the cash card. Card information such as customer account number is read.
When the customer presses the “Cancel” button, the main control unit 12 terminates the payment transaction and shifts the process to S1 (hereinafter, the operation when the “Cancel” button is pressed is the same. , If a cash card is inserted, it shall be ejected and returned to the customer).

  S5: The main control unit 12 corrects an input error, a text prompting the display unit 2a to input a password shown in FIG. 5C, a password display field, a numeric keypad for inputting the password, and an input error. Display the password input screen that displays the "correction" button, the "confirm" button to confirm the input of the password, and the "cancel" button to cancel the transaction, etc., and enter the password to the customer The customer inputs the password using the numeric keypad and presses the “Confirm” button.

  S6: The main control unit 12 that has recognized the input of the PIN number prompts the display unit 2a to input the payment amount shown in FIG. 5D, a payment amount input field, and a numeric keypad for inputting the payment amount. A digit key such as “10,000”, a “correct” button to correct an input error, a “confirm” button to confirm the payment amount input, and a “cancel” button to cancel the transaction are displayed. The payment amount input screen is displayed to prompt the customer to input the payment amount, and the customer inputs the payment amount using the numeric keypad and presses the “confirm” button.

  S7: The main control unit 12 that has detected this displays on the display unit 2a a standby request screen that displays an animation such as a word for requesting standby for a while and a product introduction as shown in FIG. 5 (e). Ask the customer to wait for a while and communicate with the host computer. That is, the main control unit 12 creates a transaction message by attaching the PIN number or payment amount input to the card information of the cash card, and transmits it to the host computer via the communication line to send the customer PIN number and payment amount. Inquire if there is no problem.

The host computer that has received the transaction message refers to the managed customer information to determine whether or not there is a problem, determines whether the transaction is possible, and returns the result to the automatic transaction apparatus 1 as a transaction approval / disapproval message.
S8: The main control unit 12 determines whether or not a transaction with the customer is possible based on the received transaction propriety message, and shifts the process to S10 if the transaction is permitted, or to S9 if the transaction is not permitted.

  S9: The main control unit 12, which has determined that the transaction with the customer is not permitted, displays a card receipt request screen displaying a message for prompting receipt of the cash card and an illustration of the cash card shown in FIG. 5 (f) on the display unit 2a. Then, the cash card is discharged from the card processing unit 3, the customer confirms that the card has been received, the payment transaction processing is terminated, and the process returns to S1 to display the transaction selection screen on the display unit 2a and wait.

  S10: The main control unit 12 that has determined that the transaction with the customer is permitted selects a denomination corresponding to the input payment amount while continuing to display the standby request screen, and the banknote deposit / withdrawal unit 7 selects the denomination. The banknotes are fed out from the storage safe storing the banknotes one by one by the separation mechanism and conveyed to the banknote discriminating unit, the denominations of the banknotes are discriminated and counted, and conveyed to the banknote deposit / withdrawal port 7a. Bills corresponding to the payment amount are accumulated in the bill deposit / withdrawal port 7a by the separation and accumulation mechanism.

S11: In parallel with this, the main control unit 12 creates print data based on the transaction contents and the like and sends it to the receipt processing unit 4, and the receipt processing unit 4 prints the print data on the transaction statement.
Then, the main control unit 12 displays on the display unit 2a a card and statement receipt request screen that displays a statement for prompting receipt of the cash card and transaction statement slip and an illustration of the cash card and transaction statement slip shown in FIG. The cash card and transaction statement slip are displayed and discharged from the card processing unit 3 and receipt processing unit 4, and the cash card is returned and the transaction statement slip is issued.

S12: The main control unit 12 displays on the display unit 2a a banknote receipt request screen displaying a text requesting receipt of the banknote shown in FIG. 5 (h) and an animation such as a receipt operation thereof, and at the banknote deposit / withdrawal port 7a. A shutter (not shown) is opened to open the banknote deposit / withdrawal port 7a.
S13: The main control unit 12 that has opened the banknote deposit / withdrawal port 7a waits for the customer to withdraw the banknotes accumulated in the banknote deposit / withdrawal port 7a, and moves to S14 when detecting the withdrawal of banknotes. If no banknote removal is detected, the standby is continued.

S14: The main control unit 12 that has detected the withdrawal of the banknote displays a transaction end screen on which an acknowledgment and an animation of the operation shown in FIG. 5 (i) are displayed on the display unit 2a, and closes a shutter (not shown). The banknote deposit / withdrawal port 7a is closed, the normal payment transaction is terminated, the process returns to S1, and a transaction selection screen is displayed on the display unit 2a to stand by.
In this way, a normal payment transaction is performed.

Next, the withdrawal process when the above-described payment transaction is performed a plurality of times and the thousand yen voucher stored in the safe deposit box of the thousand yen voucher that is a low-priced banknote is emptied is the difference deposit in the embodiment of FIG. A description will be given in accordance with steps represented by S in the flowchart showing the payment transaction process.
The main control unit 12 stores the thousand yen bill, which is a low-value banknote, in the storage safe based on detection means such as a counter or a sensor that indicates the number of banknotes stored in the storage safe stored in the storage unit 10. It shall be detected that the used 1,000 yen ticket is empty.

S101: Since it is the same as S1 in FIG. 3, its description is omitted.
S102: Recognizing the transaction selected by the customer by the position signal of the input unit 2b, the main control unit 12 proceeds to S104 if the recognized transaction is a payment transaction, and proceeds to S103 if the transaction is another transaction. .
S103: The main control unit 12 that recognizes the transaction selected by the customer as a transaction other than the payment transaction executes other selected normal transaction processing, but the description thereof is omitted.

The main control part 12 which complete | finished execution of the other transaction process transfers a process to S101, displays the transaction selection screen on the display part 2a, and waits.
S104: The main control unit 12 that has recognized the transaction selected by the customer as a payment transaction is shown in FIG. 6 (a) on the display unit 2a. In order to continue the transaction, such as "Do you wish to continue the transaction?" Display the payment transaction continuation confirmation screen displaying the “Confirm” button and “Cancel” button to cancel the transaction.

When the main control unit 12 recognizes the press of the “confirm” button, the process proceeds to S105. When the main control unit 12 recognizes the press of the “cancel” button, the transaction is stopped, and the transaction selection screen is displayed on the display unit 2a and waits.
S105: Recognizing that the “Confirm” button has been pressed, the main control unit 12 prompts the display unit 2a to insert the cash card shown in FIG. 5B, an illustration of the cash card, and “cancel” to cancel the transaction. Displays the card insertion guidance screen displaying the button.

The customer inserts the cash card into the card insertion / return slot 3a according to the card insertion guidance screen, and the main control unit 12 that detects the insertion of the cash card takes the cash card by the card processing unit 3 and stores it in the cash card. Card information such as customer account number is read.
When the customer presses the “Cancel” button, the main control unit 12 terminates the payment transaction and shifts the process to S1 (hereinafter, the operation when the “Cancel” button is pressed is the same. , If a cash card is inserted, it shall be ejected and returned to the customer).

S106, S107: The same as S5, S6 in FIG.
S108: The main control unit 12 (difference calculation means) that detects the pressing of the “confirm” button determines whether the input payment amount is in the unit of 10,000 yen or 1000 yen, that is, a low price not stored in the safe. If it is determined whether or not the amount of payment requires the withdrawal of banknotes, and if it is determined that it is a unit of 10,000 yen that can be dispensed only with high-value banknotes that do not require withdrawal of low-value banknotes, the process is S115. If it is determined that the withdrawal of the low-priced banknotes not stored in the safe is in the necessary thousand yen unit, the process proceeds to S109.

  S109: If the main control unit 12 (difference calculation means) determines that the withdrawal of the low-priced banknotes not stored in the safe is in the necessary thousand yen unit, the main control unit 12 (difference calculation means) exceeds the input payment amount and the input payment amount, In addition, the difference from the lowest amount that can be withdrawn only with a high-value banknote that can be withdrawn is calculated as the amount of money to be deposited, and the difference is deposited on the display unit 2a as shown in FIG. 6B. , A “Confirm” button for depositing the difference, and a “Delivery” guidance screen displaying a “Cancel” button for canceling the transaction are displayed.

  For example, if the payment amount entered is 17,000 yen, “You pay 17,000 yen, so if you deposit 3,000 yen, you will pay with two 10,000 yen bills. 3 "Do you want to deposit 1,000 yen?" Is displayed, and it is the lowest amount that can be withdrawn only with the entered payment amount and the high amount bill that exceeds the payment amount and can be withdrawn. Encourage the payment of 3,000 yen, which is the difference from 20,000 yen.

When the main control unit 12 detects that the “Confirm” button is pressed, the process proceeds to S110, and when it detects that the “Cancel” button is pressed, the process proceeds to S115.
S110: The main control unit 12 that detects pressing of the “confirm” button opens a shutter (not shown) of the banknote deposit / withdrawal port 7a to open the banknote deposit / withdrawal port 7a, and the display unit 2a shown in FIG. 6 (c). A bill insertion guidance screen displaying a word prompting insertion of a bill, an illustration of the bill, and a “cancel” button for canceling the transaction is displayed.

  S111: The main control unit 12 that detects the insertion of the banknote closes the banknote deposit / withdrawal port 7a by closing a not-illustrated shutter of the banknote deposit / withdrawal port 7a, and waits for the customer shown in FIG. 6D on the display unit 2a. And a standby screen displaying an animation for instructing to do, and a bill separating / dispensing portion of the bill deposit / withdrawal portion 7 from the bill deposit / withdrawal port 7a to feed out the bills one by one and convey them to the bill discriminating unit. The denomination of the banknote is discriminated and counted, and the banknote is accumulated by being conveyed to a temporary storage unit.

  S112: When the banknotes are accumulated in the temporary storage unit, the main control unit 12 is a message for instructing the display unit 2a to confirm the counted amount shown in FIG. 6E, the counted amount as the counted result of the bill, and the correct counted amount. Displays a confirmation screen for confirming the amount to be displayed, a confirmation button for proceeding with the deposit process, a stop button for stopping the deposit process when there is an error in the amount, and a cancel button for canceling the transaction To do.

S113: The main control unit 12 shifts the process to S115 when detecting the pressing of the “confirm” button, and shifts the process to S114 when detecting the pressing of the “stop” button.
S114: Upon detecting the pressing of the “stop” button, the main control unit 12 feeds the banknotes accumulated in the temporary storage unit by the banknote depositing / dispensing unit 7 one by one by the separation mechanism and transports them to the banknote depositing / dispensing port 7a. Then, the banknotes are accumulated in the banknote deposit / withdrawal port 7a by the separation and accumulation mechanism.

The main control unit 12 displays on the display unit 2a a return bill receipt request screen displaying a message for requesting receipt of the bill to be returned and an illustration of the bill shown in FIG. 6F, and the bill deposit / withdrawal port 7a is not shown. The shutter is opened to open the banknote deposit / withdrawal port 7a.
The main control part 12 which opened the banknote depositing / withdrawing port 7a waits for a customer to withdraw the banknotes accumulated in the banknote depositing / withdrawing port 7a. The mouth 7a is closed. In addition, the standby | waiting is continued when it does not detect withdrawal of a banknote.

S115: The main control unit 12 displays a card receipt request screen displaying a message for prompting receipt of a cash card and an illustration of the cash card shown in FIG. 5 (f) on the display unit 2a, and ejects the cash card from the card processing unit 3. Then, the customer confirms that the customer has received this, ends the payment transaction process, returns to S101, displays the transaction selection screen on the display unit 2a, and waits.
S116: The main control unit 12 displays on the display unit 2a a standby request screen that displays an animation such as a word for requesting standby for a while and a product introduction as shown in FIG. Requesting the waiting time and communicating with the host computer. That is, the main control unit 12 creates a transaction message by attaching the PIN number or payment amount input to the card information of the cash card, and transmits it to the host computer via the communication line to send the customer PIN number and payment amount. Inquire if there is no problem.

The host computer that has received the transaction message refers to the managed customer information to determine whether there is a problem (for example, whether the payment amount is within the balance of the account), and determines whether the transaction is possible. The result is returned to the automatic transaction apparatus 1 as a transaction availability message.
S117: The main control unit 12 determines whether or not a transaction with the customer is possible based on the received transaction propriety message, and shifts the process to S118 if the transaction is permitted or to S115 if the transaction is not permitted. In the case where the transaction is not permitted and the difference payment has already been made, the inserted bill is returned in S114.

S118: The main control unit 12 that has determined that the transaction with the customer is permitted allows the banknotes accumulated in the temporary storage unit by the storage mechanism of the banknote deposit / withdrawal unit 7 to be stored in a denomination type safe while continuing to display the standby request screen. Store.
S119: When banknotes are stored in the safe, the main control unit 12 calculates the withdrawal amount by adding the input payment amount and the difference amount, and the denomination banknote corresponding to the withdrawal amount. The banknote depositing / dispensing unit 7 feeds out banknotes one by one from the storage safe for banknotes of that denomination by the separation mechanism and transports them to the banknote discrimination unit, discriminates the denominations of the banknotes and counts them. It is carried out and conveyed to the banknote deposit / withdrawal port 7a, and banknotes corresponding to the withdrawal amount are accumulated at the banknote deposit / withdrawal port 7a by the separation and accumulation mechanism.

For example, if the input payment amount is 17,000 yen and the difference payment amount is 3,000 yen, the withdrawal amount is 20,000 yen, and two 10,000 yen tickets are collected at the banknote deposit / withdrawal port 7a. To do.
S120 to S123: Since they are the same as S11 to S14 in FIG.
In this way, even when the thousand yen ticket, which is a low-value banknote stored in the safe, is emptied, a payment transaction is performed with a 10,000 yen ticket, which is a high-value banknote.

In the present embodiment, it has been described that the payment transaction is performed with a high-value bill when the low-value bill stored in the storage safe becomes empty, but the high-value coin when the low-value coin stored in the storage safe becomes empty. You may make it perform a payment transaction.
Also, not only when the low-value banknotes stored in the storage safe are empty, but also when the low-value banknotes stored in the storage safe decreases and the payment amount entered cannot be paid, the withdrawal of high-value banknotes and high-value coins, etc. A payment transaction may be performed with possible money. At this time, the main control unit 12 determines whether or not the input payment amount can be paid based on a counter indicating the number of banknotes of denomination stored in the storage safe stored in the storage unit 10. To do.

Furthermore, the difference between the entered payment amount and the lowest amount that can be withdrawn only with a high-value bill that exceeds the entered payment amount and can be withdrawn is deposited with the bill. You may make it deposit the difference with a coin.
That is, the difference calculation means calculates the difference between the input payment amount and the withdrawal amount that exceeds the payment amount and can be withdrawn in denominated currency (banknotes and / or coins) as the deposit amount The deposit / withdrawal part of banknotes and coins performs the deposit process of money corresponding to the calculated deposit amount and the withdrawal process of money corresponding to the withdrawal amount, and performs the payment transaction of the input payment amount By doing so, even if it is not possible to withdraw money from low-value money, it becomes possible to conduct a payment transaction with high-value money.

  In this embodiment, if the payment amount of 17,000 yen entered by the customer is paid 3,000 yen, it is indicated that the payment can be made with two 10,000 yen coupons. However, it is also possible that the customer does not have 3,000 yen, so for example, as shown in FIG. Payment of Yen, 12,000 Yen paid with 2,000 yen and paid with 2 million yen vouchers, or 19 thousand Yen paid with 2 thousand yen vouchers received with 1000 yen Street choices can also be displayed to prompt customers to choose.

Further, in this embodiment, the case where the number of banknotes held in the safe is insufficient has been described as an example, but the present invention can be applied even when the withdrawal process cannot be performed because the withdrawal function is not provided. Can be applied.
For example, in the automatic transaction apparatus 1 having a bill depositing / withdrawing function and a coin depositing function and not having a coin dispensing function, when the payment amount input by the customer is 17,000 100 yen, You can make a payment transaction by depositing 18,000 yen with one 10,000 yen ticket and 8 thousand yen tickets. Moreover, in the automatic transaction apparatus 1, when the withdrawal process of a 1000 yen voucher cannot be performed, when the payment amount inputted by the customer is 17,000 100 yen, deposit 2000 yen with banknotes, 900 yen with coins, You can make a payment transaction by withdrawing 20,000 yen with two 10,000 yen tickets.

  As described above, in this embodiment, even when the denomination of money (banknotes and / or coins) to be withdrawn with respect to the payment amount desired by the customer is insufficient, By processing the difference between the payment amount exceeding the payment amount and the withdrawal amount that can be withdrawn with denominated currency, the withdrawal process can be performed with the withdrawable currency. Thus, an effect is obtained that a payment transaction for paying a payment amount desired by the customer can be performed without fail.

  In addition, when there is a shortage of money of the denomination that should be withdrawn for the payment amount desired by the customer, the money of the shortage of money is urgently handled by depositing the money of the shortage of money. There is no need to replenish, and there is an effect that the customer does not have to wait until the replenishment of insufficient money is completed.

The block diagram which shows the structure of the automatic transaction apparatus in an Example. The perspective view which shows the external appearance of the automatic transaction apparatus in an Example Flowchart showing normal payment transaction processing in the embodiment The flowchart which shows difference payment and payment transaction processing in the execution example Illustration of the display screen in the embodiment Illustration of the display screen in the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Customer service part 3 Card processing part 4 Receipt processing part 5 Voice guidance part 6 Passbook processing part 7 Banknote depositing / withdrawing part 8 Coin depositing / withdrawing part 9 Interface part 10 Storage part 11 Power supply part 12 Main control part

Claims (5)

In an automatic transaction device that accepts customer operations and performs money payment transactions and deposit transactions,
An input unit for accepting an input of a money payment amount by a customer's operation;
A depositing / withdrawing unit for depositing money stored in the deposit box and depositing / dispensing processing for dispensing the money stored in the depository deposit box to the withdrawal slot;
A difference calculating means for calculating a difference between a payment amount accepted by the input unit and a withdrawal amount that can be withdrawn with money of a denomination that exceeds the payment amount as a deposit amount;
The deposit / withdrawal unit performs deposit processing of money corresponding to the deposit amount calculated by the difference calculation means and performs withdrawal processing of money corresponding to the withdrawal amount, and performs a payment transaction of the input payment amount An automatic transaction apparatus characterized by being made. In the automatic transaction apparatus of Claim 1,
A storage unit is provided for storing the number of coins stored in the money storage safe,
The deposit amount is calculated when it is determined that the difference calculation means cannot pay the money corresponding to the payment amount based on the number of money of the money type stored in the storage unit. Automatic transaction equipment. In the automatic transaction apparatus according to claim 1 or claim 2,
The automatic transaction apparatus characterized in that the money withdrawn and processed by the deposit / withdrawal unit is a currency with a face value higher than the face value of money to be deposited. In the automatic transaction apparatus according to claim 1, claim 2 or claim 3,
An automatic transaction apparatus, wherein the display unit displays a screen prompting the user to insert money into the deposit port together with the deposit amount. In the automatic transaction apparatus according to claim 1 to claim 3 or claim 4,
After the deposit / withdrawal unit has performed the deposit process of money corresponding to the deposit amount, the display unit displays a screen for allowing the customer to select whether or not the deposit process of money corresponding to the deposit amount is possible. An automatic transaction apparatus characterized by that.

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