JP2012064113A - Money exchanger - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a money exchanger capable of dispensing changes of exchange fee without enlarging the exchanger.SOLUTION: A user deposits an amount of money more than an exchange fee based on a fee input screen. The user can deposit banknotes into a banknote depositing and dispensing opening 17 or loose coins into a coin depositing opening 13. When the amount of money more than the exchange fee is input by the user, a control part 20 determines whether the exchange fee payment D is over the exchange fee C or not. When it determines that the payment D is over the fee C, the control part 20 dispenses exchanged money, and changes (D-C) corresponding to a difference between the payment D and the fee C from exchange fund stored in dispensing storages 21B and 22B.

Description

  The present invention relates to a money changer that exchanges one type of money for another type of money.

Financial institutions such as banks are equipped with currency exchange machines that exchange one type of money for another. In recent years, many financial institutions charge for the use of money changers. In this case, the exchange fee setting method includes a fixed fee method in which the fee is fixed, a pay-as-you-go method in which the fee is changed in stages according to the amount of money for exchange.
In order to cope with the charge for using the money changer, as shown in Patent Document 1 below, there is a money changer provided with a fee acceptance machine. A user who uses such a money changer puts money in an amount higher than the amount corresponding to the money exchange fee. When the amount of money inserted is higher than the exchange fee, change according to the difference is thrown out from the fee acceptance machine.

Japanese Utility Model Publication No. 6-75063

In the above-described conventional money changer, in order to throw out change of fees, a storage for storing moneys of a plurality of denominations is required in the fee reception machine, in addition to the money storage of the money changer. For this reason, the apparatus which consists of a change machine and a fee reception machine enlarges.
An object of this invention is to provide the money change machine which can withdraw the change fee without enlarging an apparatus.

The invention according to claim 1 is a safe deposit box for storing a reserve for exchange, and when the amount deposited as the exchange fee is higher than the exchange fee, the change according to the difference is prepared for exchange in the safe. A money changer including means for withdrawing money.
According to this configuration, change fee change can be withdrawn from the exchange reserve in the money vending machine of the money changer. For this reason, compared with the prior art example described in the said patent document 1, it becomes possible to withdraw the exchange fee without increasing the size of the apparatus.

The invention according to claim 2 is the money change machine according to claim 1, wherein the money deposit port for depositing money for exchange also serves as a money deposit port for depositing a change fee. According to this configuration, it is not necessary to provide a money deposit port for depositing the exchange fee separately from a money deposit port for depositing money for exchange. For this reason, the configuration of the money changer is simplified.
The invention according to claim 3 further includes means for withdrawing money corresponding to the total amount of the exchange fee delivered within a predetermined period from the withdrawal box when a predetermined command is input. The money changer according to 1 or 2.

  In this configuration, for example, the clerk can obtain money corresponding to the total amount of the exchange fee delivered within a predetermined period from the money changer. For this reason, compared with the case where the money according to the total amount of the exchange fee delivered within a predetermined period is taken out from the money collected from the money changer, the burden on the attendant is reduced.

  According to this invention, the change fee can be changed without increasing the size of the apparatus.

It is a perspective view which shows the schematic external appearance of the money changer which concerns on one Embodiment of this invention. It is a block diagram which shows roughly the electric structure of a money changer. It is a flowchart which shows operation | movement of a currency exchange machine. It is a flowchart which shows operation | movement of a currency exchange machine. FIG. 5A is a schematic diagram illustrating an example of the contents of the currency exchange process, and FIG. 5B is a schematic diagram illustrating management data generated when the currency exchange process illustrated in FIG. 5A is performed. It is explanatory drawing for demonstrating the process performed by a money-changing machine and a staff at the time of the payment | collection collection | recovery to a cash machine.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a perspective view showing an appearance of a money changer according to an embodiment of the present invention.
The money changer 1 has a function of exchanging banknotes into other denominations and a function of exchanging coins into other denominations. When using the money changer 1, a change fee (hereinafter simply referred to as “fee”) is imposed on the user. In this embodiment, it is assumed that the pay-as-you-go method is adopted as the fee method, and the quantity is set stepwise according to the number of exchanged sheets. However, no fee will be charged if the number of exchanged money is less than the predetermined value.

  The money changer 1 includes an apparatus main body 10. The front surface of the apparatus main body 10 projects forward except for the upper part. The portion projecting forward is referred to as a front projecting portion 10a. Various screens are displayed on the substantially vertical operation surface above the front overhanging portion 10a on the front surface of the apparatus main body 10, and an operation display unit 11 for a user to operate, a handling state for displaying a handling state. A display unit 12, a rose coin deposit port 13 for depositing rose coins, a rose coin dispensing port 14 for dispensing rose coins, a receipt issuing port 15 and the like are provided.

  On the substantially horizontal operation surface on the upper surface of the forward projecting portion 10a, there are provided a wrapping coin dispensing port 16 for dispensing wrapping coins, a banknote depositing / dispensing port 17 for depositing or dispensing banknotes, and the like. . The rose coin deposit port 13, the rose coin dispense port 14, the wrapping coin dispense port 16 and the banknote deposit and withdrawal port 17 are provided with shutters (not shown). These shutters are normally closed and are opened when money is deposited or withdrawn.

In addition, a foreign object return port 18 is provided on the front surface of the forward projecting portion 10a for returning foreign substances contained in the deposited money.
FIG. 2 is a block diagram schematically showing the electrical configuration of the money changer 1.
The money changer 1 includes a control unit 20. The control unit 20 is composed of a microcomputer including a CPU, a ROM that stores programs thereof, a RAM that stores necessary data, and the like. The control unit 20 is connected to a banknote processing unit 21, a loose coin processing unit 22, a wrapping coin processing unit 23, a receipt processing unit 24, an operation display unit 11, a rewritable nonvolatile memory 25, and the like.

  The banknote processing unit 21 performs banknote deposit / withdrawal processing. The banknote processing unit 21 includes an incoming safe 21A and a safe 21B. A banknote deposited from the banknote deposit / withdrawal port 17 is stored in the depositing box 21A. Bills as exchange reserves are stored in the safe 21B. In this embodiment, the safe 21B includes a safe in which 5,000 yen bills are stored and a safe in which thousand yen bills are stored. The banknotes drawn out from the deposit box 21B during the exchange process are withdrawn from the banknote deposit / withdrawal port 17.

  The rose coin processing unit 22 performs deposit / withdrawal processing of rose coins. The bulk coin processing unit 22 includes an entrance safe 22A and an exit safe 22B. The coins deposited from the loose coin deposit port 13 are stored in the deposit box 22A. The coin box 22B stores loose coins as exchange reserves. In this embodiment, the vault 22B includes a vault storing 500 yen coins and a vault storing 100 yen coins. The loose coins fed out of the safe 22B during the exchange process are withdrawn from the loose coin dispensing port 14.

  The wrapping coin processing unit 23 performs a wrapping coin withdrawal process. The wrapping coin processing unit 23 includes a safe 23B. In this embodiment, the coin box 23B stores wrapping coins in which 10 yen is packaged in units of 50 sheets (hereinafter sometimes referred to as “10-yen bar”). The 10-yen bar paid out from the safe 23B during the exchange process is withdrawn from the wrapping coin dispensing port 16.

The receipt processing unit 24 is for issuing a receipt in which the details of the exchange process are recorded. The receipt in which the details of the exchange process are recorded is issued from the receipt issuing port 15.
The operation display part 11 is comprised from the liquid crystal display with a touch panel, for example.
In the nonvolatile memory 25, for example, management data as shown in FIG. 5B is stored. In this embodiment, the management data includes data such as fees, deposits, withdrawals, and cash balances. The fee data is a fee calculated at the time of exchange. The deposit data is data representing the amount of money deposited at the time of exchange. In this embodiment, the deposit data includes deposit data for each denomination of 10,000 yen bills, thousand yen bills, 500 yen coins, and 100 yen coins. . The withdrawal data is data representing the amount of money withdrawn at the time of exchange, and is withdrawal data for each denomination of 5,000 yen bill, thousand yen bill, 10 yen bar, 500 yen coin and 100 yen coin. Is included.

The banking data includes banking data in the deposit box and banking data in the safe. Actually, the deposit amount data of the deposit box 21A in the banknote processing unit 21, the deposit amount data of the deposit box 22A in the loose coin processing unit 22, and the deposit amount data of each deposit box In FIG. 5B, only the total deposit is shown.
The bank balance data includes bank balance data of the bank deposit box 21B in the banknote processing unit 21 (bank bank deposit data for 5,000 yen banknotes, bank bank balance data for 1,000 yen banknotes) and rose coin processing. The balance data of the withdrawal vault 22B in the unit 22 (the balance data of the withdrawal deposit of 500 yen coin, the balance data of the withdrawal deposit of 100 yen coin) and the balance data of the withdrawal vault 23B in the packaging coin processing unit 23 It consists of (the amount-of-stock data of a 10-yen coin bar) and the sum of the amount-of-stock data of each bank (withdrawal total).

3 and 4 are flowcharts showing the operation of the money changer 1.
When the user deposits money from the banknote deposit / withdrawal port 17 or the loose coin deposit port 13 during standby (step S1), the control unit 20 calculates a deposit amount (exchange deposit amount) A (step S2). Then, the exchange selection screen is displayed on the operation display unit 11 (step S3).
The user selects the type and quantity of money to be exchanged on this exchange selection screen. Hereinafter, the total amount of money corresponding to each combination of the type and quantity of money to be exchanged selected by the user may be referred to as “exchange amount B”. It should be noted that when the user selects the type and quantity of money to be exchanged on the exchange selection screen, a selection operation in which the exchange amount B exceeds the deposit amount A for exchange cannot be performed. .

When the exchange selection operation is completed (step S4: YES), the control unit 20 calculates a fee C (step S5). If the fee C is zero (no charge) (step S6: YES), the control unit 20 determines whether or not the exchange amount A is higher than the exchange amount B (step S7).
When the exchange amount A is equal to the exchange amount B (step S7: NO), the control unit 20 withdraws the exchange money (step S8). Specifically, the control unit 20 withdraws the money to be exchanged selected by the user by the amount selected by the user from the money exchange reserve in the withdrawal vaults 21B, 22B, and 23B (step S8). Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.

  When it is determined in step S7 that the exchange amount A is higher than the exchange amount B (step S7: YES), the exchange money is withdrawn and the difference between the exchange amount A and the exchange amount B is changed. The change F1 (change change; F1 = A−B) in accordance with is withdrawn from the safes 21B and 22B (step S9). Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.

  If it is determined in step S6 that the fee C is not zero (step S6: NO), that is, if the fee C is charged, the control unit 20 determines that the exchange amount A is the amount of exchange. It is determined whether or not it is higher than B (step S10). When the exchange amount A is equal to the exchange amount B (step S10: NO), the control unit 20 displays a fee payment screen for prompting fee payment on the operation display unit 11 (step S11). On this fee deposit screen, a fee amount necessary for the current exchange process and a message prompting the deposit of the fee are displayed.

The user deposits money of an amount equal to or greater than the fee amount based on the fee deposit screen. In this case, the user may deposit banknotes from the banknote deposit / withdrawal port 17 or deposit coins from the loose coin deposit port 13.
When money of an amount equal to or greater than the fee amount is deposited by the user (step S12: YES), the control unit 20 determines whether or not the deposit amount (deposit amount for fee) D deposited in step S12 is higher than the fee C. Is determined (step S13). When the fee deposit amount D is equal to the fee C (step S13: NO), the control unit 20 withdraws exchange money (step S14). Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.

  When it is determined in step S13 that the fee deposit amount D is higher than the fee C (step S13: YES), the control unit 20 withdraws the exchange money, and the fee deposit amount D and the fee C. The change F2 corresponding to the difference between the two is withdrawn from the money exchange reserve in the withdrawal vaults 21B and 22B (step S15). Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.

If it is determined in step S10 that the exchange amount A for exchange is higher than the exchange amount B (step S10: YES), the control unit 20 determines the difference between the exchange amount A and the exchange amount B (A− A selection screen for allowing the user to select whether or not to deduct the fee C from B) is displayed on the operation display unit 11 (step S16).
On this selection screen, the user selects whether or not to deduct the fee C from the difference between the exchange amount A and the exchange amount B.

When deducting the fee C from the difference (A−B) is not selected by the user (step S17: NO), the process returns to step S3. In this case, after the selection content selected by the exchange selection operation that has already been performed is reset, the exchange selection screen is displayed. The user will redo the exchange selection operation on the exchange selection screen.
When it is determined in step S17 that the user has selected to deduct the fee C from the difference (AB) (step S17: YES), the control unit 20 determines the difference (AB). And fee C are compared (step S18). Specifically, the control unit 20 determines whether the difference (A−B) is equal to the fee C, higher than the fee C, or lower than the fee C.

When it is determined in step S18 that the difference (A−B) is equal to the fee C ((A−B) = C), the control unit 20 withdraws exchange money (step S19). Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.
When it is determined in step S18 that the difference (A−B) is higher than the fee C ((A−B)> C), the control unit 20 withdraws the money exchanged and the difference ( The change F3 corresponding to the difference (A-B-C) between A-B) and the fee C is withdrawn from the exchange reserve in the withdrawal safes 21B, 22B (step S20). In this case, assuming that the difference (A−B) is an amount deposited as a fee, the change F3 is an amount corresponding to the difference between the amount deposited as the fee and the fee C. Accordingly, the fishing F3 in this case can be regarded as a fee fishing. Then, after performing processing such as receipt issuance and management data storage, the control unit 20 ends the current exchange process.

  If it is determined in step S18 that the difference (A−B) is lower than the fee C ((A−B) <C), the control unit 20 determines that the fee is insufficient (C− (A−B). )) Is displayed on the operation display unit 11 for prompting payment (step S21). On this fee deposit screen, an amount indicating a fee shortage (C- (A-B)) and a message for prompting payment of the shortage are displayed.

The user deposits money of an amount more than the shortage of the fee based on the fee deposit screen. In this case, the user may deposit banknotes from the banknote deposit / withdrawal port 17 or deposit coins from the loose coin deposit port 13.
When the user deposits money with an amount equal to or greater than the shortage of the fee (step S22: YES), the control unit 20 determines that the deposit amount (payment amount for fee) E deposited in step S21 is the shortage of the fee. It is determined whether or not it is higher than (C- (AB)) (step S23). When the commission deposit amount E is equal to the shortage (C- (A-B)) (step S23: NO), the control unit 20 withdraws exchange money (step S24). Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.

  When it is determined in step S23 that the fee deposit E is higher than the shortage (C- (A-B)) (step S23: YES), the control unit 20 withdraws exchange money. Then, change F4 according to the difference (A−B + E−C) between the deposit amount E for the fee and the shortage (C− (A−B)) is withdrawn from the exchange reserve in the vaults 21B and 22B ( Step S25). In this case, if it is considered that the amount (A−B + E) obtained by adding the deposit amount E for the fee to the difference (A−B) is the fee, the change F4 includes the amount and the fee deposited as the fee. The amount depends on the difference from C. Accordingly, the fishing F4 in this case can be regarded as a fee fishing. Then, after performing processing such as receipt issuance and storage of management data, the control unit 20 ends the current exchange process.

A specific example of the management data generated when the exchange process is performed will be described. FIG. 5A is a schematic diagram illustrating an example of the contents of the currency exchange process, and FIG. 5B is a schematic diagram illustrating management data generated when the currency exchange process illustrated in FIG. 5A is performed.
Here, management data generated when the exchange process (Process 1 and Process 2) shown in FIG. 5A is performed will be described.

  The initial values of fee data, deposit data, withdrawal data, deposit amount data (not shown), and the sum of deposit amount data (payment total) are zero. The initial value of the bank balance data is as follows. The balance data for the 5,000 yen bill, the thousand yen bill, the 10 yen bar, the 500 yen coin and the 100 yen coin are respectively 500,000 yen, 100,000 yen, 5,000 yen, 50,000 yen, 1,000 yen. The initial value of the sum total (withdrawal amount) of the bank balance data is 665,000 yen.

Process 1 is a process for exchanging 10,000 yen bills into one 5,000 yen bill and five thousand yen bills. The fee applied to process 1 is 100 yen. In the process 1, since a 500 yen coin is deposited to pay the fee, the change (fishing of the fee) is 400 yen.
Process 2 is a process for exchanging 10,000 yen bills into nine thousand yen bills and ten 100 yen coins. The fee applied to process 2 is 100 yen. In the process 2, since the 500 yen coin is deposited to pay the fee, the change (the change of the fee) is 400 yen.

  When process 1 is performed, the fee data is 100 yen. As for the deposit data, the deposit data for 10,000 yen bills is 10,000 yen, and the deposit data for 500 yen coins is 500 yen. As for the withdrawal data, the withdrawal data for the 5,000 yen bill is 5,000 yen, the withdrawal data for the thousand yen bill is 5,000 yen, and the withdrawal data for the 100 yen coin is 400 yen. This 400 yen is the amount withdrawn as a fee change.

  The total amount (payment total) of the deposit amount data in the deposit box is 10,500 yen. The bank balance data is as follows. The balance data of the 5,000 yen bill, the thousand yen bill, the 10 yen bar, the 500 yen coin and the 100 yen coin are 495,000 yen, 95,000 yen, 5,000 yen, 50,000 yen, 9 yen, respectively. , 600 yen. The sum of the bank balance data (withdrawals) is 654,600 yen.

  After this, if process 2 is performed, the fee data is 100 yen. As for the deposit data, the deposit data for 10,000 yen bills is 10,000 yen, and the deposit data for 500 yen coins is 500 yen. As for the withdrawal data, the withdrawal data for the thousand yen bill is 9,000 yen, and the withdrawal data for the 100 yen coin is 1400 yen. This 1400 yen includes an amount of 400 yen withdrawn as a fee change.

  The total amount of money in the deposit box (payment total) is 21,000 yen. The bank balance data is as follows. The stock data for the 5,000 yen bill, the thousand yen bill, the 10 yen bar, the 500 yen coin and the 100 yen coin are 495,000 yen, 86,000 yen, 5,000 yen, 50,000 yen, 8 yen, respectively. , 200 yen. The sum of the cash balance data (withdrawal amount) of the bank vault is 644,200 yen.

After the end of the business day, the deposit collection operation is performed. Specifically, the money in the safes 21A and 22A in the money changer 1 is collected in a cashier (not shown), and the balance in the money safes 21B, 22B and 23B in the money changer 1 is set to the initial value. An operation for returning is performed.
FIG. 6 shows the procedure of the deposit collection operation.
Here, a case where the management data has a value as shown in FIG. 5B at the time of deposit collection will be described as an example.

First, when a predetermined command is input from a staff member, the control unit 20 sends out money corresponding to the total daily fee ΣC (total of F1 + total of F2 + total of F3 + total of F4). Withdraw money from 21B, 22B, 23B (procedure 1). The withdrawn money is stored in a cash machine.
In the example of FIG. 5B, since the total fee ΣF is 200 yen, as shown in FIG. 6A, two 100-yen coins are withdrawn from the 100-yen coin safe in the money changer 1. Is done. As a result, the cash balance data is as shown in FIG. Thereby, the clerk can acquire the money according to the total amount ΣF of the fee from the money changer 1. For this reason, compared with the case where the money according to the total amount ΣF of the fee is taken out from the money collected from the money changer 1, the burden on the staff is reduced.

Next, the clerk collects the money in each of the safes 21A and 22A in the money changer 1 (procedure 2). The collected money is stored in a cash machine. The total payment amount X is ΣB, the total amount of money exchanged B is ΣB, the total amount of fee C is ΣC, and the total amount of fishing (F1 total + F2 total + F3 total + F4 total) is ΣF. It is expressed by the following formula (1).
X = ΣB + ΣC + ΣF (1)
In the example of FIG. 5B, the total deposit is 21,000 yen. The balance data after the money in the safe is collected is as shown in FIG.

  Thereafter, the clerk performs an operation to return the stock in the safes 21B, 22B, and 23B in the money changer 1 to the initial value (procedure 3). Specifically, the clerk calculates the amount of money to be replenished in each safe deposit by calculating the difference between the initial value and the stock balance (initial value−stock balance) for each safe deposit box. Then, the money corresponding to the amount to be replenished to each cashbox is withdrawn from the cashier, and the money corresponding to the supplementary amount is loaded into each cashbox.

The total amount Y of the replenishment amount is equal to the total deposit amount X as expressed by the following equation (2) because the total amount ΣC of the fee C is withdrawn from the withdrawal vaults 21B, 22B, 23B in the procedure 1. Become.
Y = ΣB + ΣF ++ ΣC
= X (2)
Therefore, in the example of FIG. 5B, the total amount Y of the replenishment amount is 21,000 yen. The balance data after the money corresponding to the replenishment amount is loaded in each safe is as shown in FIG.

According to the embodiment, fee change (F2, F3, F4) can be withdrawn from the money exchange reserves in the money vending machines 21B, 22B, 23B in the money changer 1. For this reason, compared with the prior art example described in Patent Document 1, it becomes possible to withdraw the fee without increasing the size of the apparatus.
In addition, according to the embodiment, the deposit ports 13 and 17 for depositing money for exchange are also used as deposit ports for depositing a fee, and therefore a deposit port for depositing a fee. Need not be provided separately from the depositing ports 13 and 17 for depositing money for exchange. For this reason, the configuration of the money changer 1 is simplified.

  In the said embodiment, although the money change machine 1 is provided with the function to exchange a banknote into the money of other denominations, and the function to exchange a coin into coins of other denominations, this invention is a thing among these functions. The present invention can also be applied to a money changer having only one of the functions. Moreover, in the said embodiment, although the pay-as-you-go system is employ | adopted as a fee system, this invention is applicable also to the money change machine by which the fixed system is employ | adopted.

In the embodiment, the deposit ports 13 and 17 for depositing money for exchange are used as deposit ports for depositing a fee. However, a deposit port for depositing money for exchange. In addition to 13 and 17, a deposit port for depositing a fee may be provided.
In the above-described embodiment, the denominations of money to be exchanged (banknotes and wrapping coins (bars), rose coins) are limited to a part, but all denominations may be included. Moreover, the combination of the types of money to be exchanged may be different from the combination of types shown in the embodiment.

Furthermore, at the time of cash collection from the money changer 1 to the cashier, management data is transmitted from the money changer 1 to the cashier, and the management data received by the cashier is compared with the collected cash, You may make it manage.
In addition, various design changes can be made within the scope of matters described in the claims.

DESCRIPTION OF SYMBOLS 1 Currency exchange machine 11 Operation display part 13 Bulk coin deposit port 14 Bulk coin dispensing port 16 Packaging coin dispensing port 17 Banknote depositing / dispensing port 20 Control part 21 Banknote processing part 22 Bulk coin processing part 23 Packaging coin processing part 21A, 22A Safe 21B, 22B, 23B Out safe 25 Non-volatile memory

Claims (3)

A safe deposit box for storing exchange reserves;
A money change machine including means for, when the amount deposited as the exchange fee is higher than the exchange fee, changing the change according to the difference from the exchange reserve in the safe.   2. The money changer according to claim 1, wherein the money deposit port for depositing money for exchange also serves as a money deposit port for depositing the exchange fee.   3. The money changer according to claim 1 or 2, further comprising means for withdrawing money corresponding to the total amount of exchange fees delivered within a predetermined period from the withdrawal box when a predetermined command is input.

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