JP2013127738A - Automatic transaction device and automatic transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device capable of suppressing an occurrence of such a situation that the device becomes inoperable by a currency (for example, coin) reception transaction.SOLUTION: The automatic transaction device imposes a restriction on the allowable number of currency reception transactions or the allowable number of currencies for a predetermined period. When a currency reception transaction of this time falls under the transaction exceeding the restricted number, the number of received currencies already exceeds the restricted number, or the number of currencies obtained by assuming that the number of currencies of this currency reception transaction is added thereto exceeds the restricted number, the automatic transaction device inhibits the currency reception by the currency transaction of this time.

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction program, and can be applied to, for example, an automatic transaction apparatus (ATM) that can deposit coins.

  Conventionally, in the deposit transaction of the automatic transaction apparatus, it is possible to deposit “coins only”, “banknotes only”, and “banknotes and coins”. Here, in the deposit transaction of “coins only” and the deposit transaction of “banknotes and coins” (hereinafter referred to as “coin deposit transactions”), the number of coins that can be inserted at one time is limited (see Patent Document 1). ). Therefore, when a customer tries to deposit a large amount of coins such as sales using an automatic transaction apparatus, the number of coins within the limited number is repeatedly deposited by a coin deposit transaction.

JP 2003-256908 A

  However, in the conventional automatic transaction apparatus, when a large amount of coins is deposited, one customer occupies the automatic transaction apparatus for a long time.

  In addition, in a coin deposit transaction in the middle of depositing a large amount of coins, when the deposited automatic transaction apparatus becomes full of coins, the automatic transaction apparatus is canceled. In such a case, the customer performs a coin deposit transaction for the remaining coins with respect to the adjacent automatic transaction apparatus. Depending on the amount of coins to be deposited, multiple automatic transaction devices will be canceled due to multiple coin deposit transactions (possibly even once), and recovery to normal conditions such as coin recovery will occur. Cannot be used for the time required. Depending on the number of automatic transaction devices installed in the ATM corner, the operation rate is lowered, leading to a decrease in customer service.

  The above problems occur not only when depositing a large amount of coins but also when depositing a large amount of banknotes.

  Therefore, an automatic transaction apparatus and an automatic transaction program that can suppress the occurrence of a situation in which the apparatus cannot be used due to money deposit transactions are desired.

  In the first aspect of the present invention, in an automatic transaction apparatus that executes a money deposit transaction according to a customer's operation, (1) a deposit amount restriction is provided to suppress a money deposit amount for a predetermined period, 2) When a money deposit transaction is selected, it is determined whether or not the current deposit transaction is subject to the deposit amount restriction. Means are provided.

  The automatic transaction program according to the second aspect of the present invention relates to a computer that is installed in an automatic transaction apparatus that executes a money deposit transaction in accordance with a customer's operation, for a predetermined period when a money deposit transaction is selected. Determining whether or not the current deposit transaction is subject to the limit on the deposit amount that is set to reduce the deposit amount of money. It is made to function as.

  According to the present invention, it is possible to suppress the occurrence of a situation in which the device becomes unusable due to money deposit transactions by limiting the deposit amount for a predetermined period.

It is a perspective view which shows the external appearance of the automatic transaction apparatus which concerns on embodiment. It is a schematic plan view which shows the structural example of the coin depositing / withdrawing machine in embodiment. It is a block diagram which shows the structure of the control system in the automatic transaction apparatus which concerns on embodiment. It is a flowchart which shows the payment transaction operation | movement (especially operation | movement relevant to a coin) of the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing which shows the display screen (1) in the deposit transaction operation | movement of the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing which shows the display screen (2) in the deposit transaction operation | movement of the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing which shows the display screen (3) in the deposit transaction operation | movement of the automatic transaction apparatus which concerns on embodiment. It is explanatory drawing which shows the display screen (4) in the deposit transaction operation | movement of the automatic transaction apparatus which concerns on embodiment.

(A) Main Embodiment Hereinafter, an embodiment of an automatic transaction apparatus and an automatic transaction program according to the present invention will be described with reference to the drawings.

(A-1) Configuration of Embodiment FIG. 1 is a perspective view showing an appearance of an automatic transaction apparatus 1 according to the embodiment. The automatic transaction apparatus 1 includes a display / input unit 12, a banknote deposit / withdrawal port 13, a coin deposit / withdrawal port 14, a card entrance / exit 15, a passbook entrance / exit 16.

  The display / input unit 12 includes a display unit and a touch panel type input unit provided on the upper surface thereof, and performs various inputs by customer operations, and displays operation guidance, messages to customers, and the like. Is.

  The bill deposit / withdrawal port 13 is an opening through which bills are inserted and bills are discharged. The banknote deposit / withdrawal port 13 is provided with a shutter, and the banknote deposit / withdrawal port 13 is opened and closed by driving the shutter. The bill deposit / withdrawal port 13 is connected to a bill deposit / withdrawal machine (not shown).

  The coin deposit / withdrawal port 14 is an opening through which coins are inserted and coins are discharged. The coin deposit / withdrawal port 14 is also provided with a shutter, and the coin deposit / withdrawal port 14 is opened and closed by driving the shutter. The coin deposit / withdrawal port 14 is connected to a coin deposit / withdrawal machine 2 shown in FIG.

  Card entry / exit 15 inserts a card used for transactions (regardless of recording method such as magnetic card, IC card, etc .; regardless of issuer such as cash card, credit card, etc.), and the card is inserted when the transaction is completed. It is a doorway to be discharged. In addition, the statement slip describing the transaction content may be discharged from the card entrance 15.

  The bankbook entrance / exit 16 is an entrance / exit from which a bankbook used in the transaction is inserted and from which the bankbook is discharged when the transaction ends.

  FIG. 2 is a schematic plan view showing a configuration example of the coin deposit / withdrawal machine 2 connected to the coin deposit / withdrawal port 14. However, it is needless to say that the configuration of the coin depositing and dispensing machine 2 is not limited to that shown in FIG.

  The coin depositing / dispensing machine 2 includes a first conveyance path 20, a second conveyance path 21, a deposit / withdrawal coin tray 22, a coin feeding section 23, a coin discrimination section 24, a deposit reject section 25, a deposit temporary storage section 26, an overflow stacker 27, It has a replenishment collection warehouse 28, money type stackers 29-1 to 29-6, and a withdrawal temporary storage unit 30.

  The first transport path 20 for transporting coins is provided with a sorting gate for sorting coins under the control of a coin processing section (see FIG. 3), which will be described later, and the first transport path 20 has a deposit reject section 25. , A deposit temporary storage unit 26, an overflow stacker 27, a replenishment collection store 28, a money type stacker 29-1 to 29-6, or a withdrawal temporary storage unit 30 so that coins can be inserted from above. It is.

  The second transport path 21 for transporting coins is under the control of a coin processing unit described later, a deposit reject unit 25, a deposit temporary storage unit 26, an overflow stacker 27, a replenishment collection box 28, and money type stackers 29-1 to 29-. 6 or the coins fed out from below the withdrawal temporary storage unit 30 are conveyed to the deposit / withdrawal coin tray 22.

  The deposit / withdrawal coin tray 22 forms a storage space for receiving deposit coins inserted from the coin deposit / withdrawal port 14 and coins released from the inside of the coin deposit / withdrawal machine 2 (for example, coins for withdrawal). It is what.

  The coin feeding unit 23 feeds coins stored in the deposit / withdrawal coin tray 22 one by one to the first transport path 20 and takes them into the coin depositing / dispensing machine 2 at a predetermined pitch.

  The coin discriminating unit 24 is arranged immediately after the coin feeding unit 23 in the transport direction on the first transport path 20, and the authenticity and denomination of the coins fed by the coin feeding unit 23 (1, 5, 10, 10 yen). , 50 yen, 100 yen, 500 yen, etc.), and the coin processing unit 46, which will be described later, can recognize the number of denominations and the total number of coins from the output from the coin discrimination unit 24.

  Of the coins deposited in the coin deposit transaction, the deposit rejection unit 25 rejects the coins that are rejected by the coin discrimination unit 24 (fake coins, coins whose denomination is unknown, unacceptable coins, etc .; hereinafter referred to as deposit reject coins). ) Is a part for storing what is identified. True coins that exceed the limit number (for example, 50 or 100) of one coin deposit transaction are also regarded as deposit reject coins, for example.

  The deposit temporary holding unit 26 temporarily holds the true coins whose denominations are determined by the coin discrimination unit 24 among the coins deposited in the coin deposit transaction.

  The overflow stacker 27 is used to store the coins that must be accepted by the coin depositing and dispensing machine 2 after any of the denomination stackers 29-i (i is any one of 1 to 6) becomes full. is there.

  For example, if a certain denomination stacker 29-i accepts five remaining coins and six or more coins of that denomination are deposited, five of the denominated coins are denominated in the denomination stacker 29-i. The remaining coins are stored in the overflow stacker 27. Once one denomination stacker 29-i is full, the denomination is stored in the overflow stacker 27 as long as there is no vacancy by withdrawal, and the same applies to the other denomination stackers 29-j. For this reason, the accumulation amount of the overflow stacker 27 also gradually increases, and the overflow stacker 27 itself may become full (full). In such a case, the main control unit 40, which will be described later, places the automatic transaction apparatus 1 having the coin depositing / dispensing machine 2 into “handling” and waits for a coin collecting operation by a teller or the like.

  The replenishment collection box 28 stores coins to be replenished to the money type stackers 29-1 to 29-6, or stores coins collected from the overflow stacker 27 and the money type stackers 29-1 to 29-6. It is.

  In addition, for the transaction (coin withdrawal transaction) for withdrawing coins, the coins (withdrawal reject coins) taken out from the money type stackers 29-1 to 29-6 and discriminated from the reject by the coin discrimination unit 24 are The overflow stacker 27 or the replenishment / recovery box 28 may be stored. Alternatively, although not shown in FIG. 2, a storage box dedicated to withdrawal coins may be provided and stored.

  Each of the denomination stackers 29-1 to 29-6 stores coins of denominations set for itself (1, 5, 10, 50, 100, 500 yen coins).

  The withdrawal temporary storage unit 30 temporarily reserves coins to be withdrawn in a coin withdrawal transaction, and collectively discharges them to the deposit / withdrawal coin tray 22.

  The flow of coins in coin deposit transactions is as follows. The coins deposited into the deposit / withdrawal coin tray 22 from the coin deposit / withdrawal port 14 are fed out one by one at a predetermined pitch by the coin feeding unit 23. The fed-out coins are discriminated in the coin discriminating section 24 on the first transport path 20, the deposit reject coins are sorted into the deposit reject section 25, and the legitimate deposited coins are sorted and stored in the deposit temporary holding section 26. .

  When the main control unit 40, which will be described later, determines that the number of discriminated deposit coins has exceeded the limit allowed by one coin deposit transaction based on the discrimination of the coin discriminating unit 24, The payout is stopped and the coins stored in the deposit temporary storage unit 26 and the deposit reject unit 25 are returned to the deposit / withdrawal coin tray 22 via the second transport path 21.

  When the discrimination for all the deposited coins is completed and the distribution to the temporary deposit holding unit 26 or the deposit reject unit 25 is completed, if there is a deposit reject coin stored in the deposit reject unit 25, the deposit reject coin Is returned to the deposit / withdrawal coin tray 22 via the second transport path 21, and the handling is confirmed by the customer.

  When the deposit of the deposit coin temporarily held (stored) in the deposit temporary storage unit 26 is confirmed, the coin temporarily stored in the deposit temporary storage unit 26 returns to the deposit / withdrawal coin tray 22 via the second transport path 21. Then, the coins are fed again one by one to the first transport path 20 by the coin feeding unit 23, the denomination is discriminated by the coin discriminating unit 24, and the denomination stackers 29-1 to 29-6 according to the denominations. It is stored in.

  As described above, instead of some or all of the money type stackers 29-1 to 29-6, they may be stored in the overflow stacker 27. When the overflow stacker 27 itself becomes full (full), After completion of the deposit transaction, the automatic transaction apparatus 1 according to the embodiment having the coin depositing / dispensing machine 2 is set to “cancel handling”.

  Although the illustration of the banknote depositing / dispensing machine is omitted, although the transport method, the storing method, the discrimination method, etc. due to the material and shape of the banknote and the coin are different, the concept of the specific configuration is the same as that of the coin depositing / dispensing machine. It is the same.

  FIG. 3 is a block diagram illustrating a configuration of a control system in the automatic transaction apparatus 1 according to the embodiment.

  3, the automatic transaction apparatus 1 includes a main control unit 40 that controls each unit, a display / input unit 12 described above, a card processing unit 41 that performs read / write of information recorded on a card such as a cash card, Voice guidance unit 42 for outputting guidance and the like, passbook processing unit 43 for performing read / write of the magnetic stripe of the passbook and printing control on the passbook, a statement slip processing unit 44 for printing and discharging the transaction details on the statement slip, It has the banknote process part 45 which controls taking in and discharge | emission, and the coin process part 46 which controls taking in and discharge | emission of coins. The automatic transaction apparatus 1 includes a power supply unit 47 that supplies power to each unit, a memory unit 48 as a storage unit of the main control unit 40, and a communication unit 49 that communicates with other devices (for example, a host computer). .

  More specifically, the coin processing unit 46 controls the coin depositing / dispensing machine 2 as shown in FIG. 2 under the control of the main control unit 40, and information on the coin depositing / dispensing machine 2 ( For example, the number of coins received) is notified to the main control unit 40.

  The main control unit 40 is mainly composed of, for example, a microcomputer and controls the entire operation of the automatic transaction apparatus 1. The memory unit 48 is applied as, for example, a program memory, a working memory, or a setting data memory. The main control unit 40 controls each unit while using the working memory as a memory for temporarily storing information in accordance with the program stored in the program memory and the data set in the setting data memory.

  As a program stored in the memory unit 48, there is a deposit transaction program 48a. The working data stored in the memory unit 48 includes the number of coin deposit transactions that can be performed today (hereinafter referred to as the allowable number of coin deposits) 48b. The allowable number of coin deposits is, for example, data provided from a host computer that has the automatic transaction apparatus 1 according to the embodiment.

  Although the host computer having the automatic transaction apparatus 1 according to the embodiment is not shown, the host computer includes a main control unit, a memory unit, a communication unit, and a database such as an account database or a customer database. Is provided.

  In the case of this embodiment, the allowable number of coin deposits is provided as one item of one account data in the account database, and is decremented by one every time a coin deposit transaction is properly terminated. As one of the processes executed by the host computer each time the day changes, there is provided a process of resetting the allowable number of coin deposits for each account data to an initial value (for example, 3 times). The initial value of the allowable number of coin deposits may be different for each account (or for each customer), for example, and the customer may be able to specify the initial value of the allowable number of coin deposits by contract at the time of opening an account. .

(A-2) Operation | movement of embodiment Next, the deposit transaction operation | movement (especially operation | movement with the deposit of a coin) of the automatic transaction apparatus 1 which concerns on embodiment is demonstrated, referring drawings.

  The main control unit 40 of the automatic transaction apparatus 1 displays a screen for selecting the type of transaction on the display / input unit 12 as a transaction standby screen. When the deposit transaction is selected by the customer, FIG. (Payment transaction program 28a) shown in FIG. FIG. 4 shows one processing example, and the processing flow is not limited to this. For example, biometric authentication may be applied.

  The main control unit 40 causes the display / input unit 12 to display a screen requesting insertion of a passbook or cash card, and in response to this, information from the passbook or cash card inserted by the customer is displayed in the passbook processing unit 43 or Acquired from the card processing unit 41 (step 100), and displays a screen for inputting a personal identification number on the display / input unit 12, and in response to this, captures the personal identification number entered by the customer and authenticates the customer ( Step 101).

  After that, the main control unit 40 transmits information (for example, account information) taken from the bankbook or cash card and information on the deposit transaction to the host computer, and takes in information necessary for the subsequent processing from the host computer (step 102). ). One piece of information captured from the host computer is the allowable number of coin deposits.

  The main control unit 40 determines whether or not the allowable number of coin deposits is “0” (step 103). The allowable number of coin deposits “0” indicates that a coin deposit transaction corresponding to the number of coin deposit transactions permitted today is already being executed.

  When the allowable number of coin deposits is “0”, the main control unit 40 can no longer execute the coin deposit transaction with the automatic transaction apparatus today, and only “banknote only” deposit is currently permitted. 5 or display a screen as shown in FIG. 5 on the display / input unit 12 to request that a large amount of coins be received using the counter transaction. Whether or not to cancel the deposit transaction is determined (step 104). Although omitted in FIG. 4, when the “banknote only” deposit is selected, the same “banknote only” deposit operation is executed, and when the deposit transaction is canceled, Notify the host computer to that effect, return the bankbook or cash card to the customer, or return the display screen to the transaction standby screen.

  If the allowable number of coin deposits is not “0” (negative result at step 103), the main control unit 40 allows the type of cash to be deposited to be selected and allows coin deposit transactions to be performed with the automatic transaction apparatus during the day. 6 is displayed on the display / input unit 12 to notify the number of times (equal to the allowable number of coin deposits), and the customer can select either “coins only”, “banknotes and coins”, or “banknotes only”. It is determined whether a cash deposit method has been selected (step 105).

  FIG. 4 shows only an operation when “coin only” deposit is selected. When the “Bill Only” deposit is selected, the same “Bill Only” deposit operation as in the prior art is executed. When the “Bills and Coins” deposit is selected, the characteristics of the operation are the same as the characteristics when the “Coins Only” deposit is selected, and when the “Bills and Coins” deposit is selected. The description of the operation is omitted.

  When the “coin only” deposit is selected, the main control unit 40 causes the display / input unit 12 to display a screen for notifying the deposit limit number allowed for one transaction and prompting the deposit of coins, Further, the lid of the coin deposit / withdrawal port 14 is opened, and the customer is allowed to insert the deposited coin into the automatic transaction apparatus 1 (step 106). When the insertion is detected, the lid of the coin deposit / withdrawal port 14 is closed. Then, the main control unit 40 discriminates each inserted coin, and counts the total number, the number of denominations, and the like (step 107).

  The main control unit 40 determines whether or not the total number of inserted coins exceeds the deposit limit number (step 108). If the total number of deposited coins exceeds the deposit limit, the main control unit 40 returns the deposited coins to the deposit / withdrawal coin tray 22 and opens the lid of the coin deposit / withdrawal port 14. And return the inserted coins to the customer, notify the host computer that the deposit transaction has been canceled, return the bankbook and cash card to the customer, and return the display screen to the transaction standby screen. (Step 109).

  On the other hand, if the total number of deposited coins does not exceed the deposit limit, the main control unit 40 notifies the total amount of deposited coins or confirms the current coin deposit. 7 shows a screen as shown in FIG. 7 for notifying the number of times that a coin deposit transaction can be performed today with an automatic transaction device and confirming that the current coin deposit transaction will be executed. Is displayed on the display / input unit 12 to determine whether or not the customer has finally confirmed the deposit transaction (step 110).

  At the time of the final confirmation, when the customer selects the receipt stop, the main control unit 40 returns the inserted deposit coin to the deposit / withdrawal coin tray 22 and opens the lid of the coin deposit / withdrawal port 14. , Let the customer return the inserted deposit coin, notify the host computer that the deposit transaction has been stopped, return the bankbook and cash card to the customer, and return the display screen to the transaction standby screen (step 109).

  When the final confirmation of the customer is obtained, the main control unit 40 stores the inserted deposited coins in the money type stackers 29-1 to 29-6 (or the overflow stacker 27) so that they cannot be returned, or the coins are deposited. Information necessary for updating account data such as the amount of money, etc., can be sent to the host computer, information such as the updated balance to be notified to the customer can be taken in from the host computer, and coin deposit transactions can be made within the balance and today 8 displays the payment transaction end screen as shown in FIG. 8 on the display / input unit 12, and then returns the bankbook or cash card to the customer, or issues a statement slip describing the transaction details. Finally, the display screen is returned to the transaction standby screen (step 111), and the series of processing shown in FIG.

(A-3) Effect of Embodiment According to the above embodiment, since the number of coin deposit transactions per account per day is limited, the customer wants to deposit a large amount of coins such as sales proceeds. However, the number of coins that can be deposited by the automatic transaction apparatus 1 is equal to or less than a predetermined number (the product of the limited number and the limited number of coins per one), and the automatic transaction apparatus 1 can be reduced from overflowing coins. This means that the number of times the automatic transaction apparatus 1 is canceled can be reduced, leading to an improvement in the operating rate of the automatic transaction apparatus 1 and an improvement in work efficiency of a teller and the like.

  In addition, according to the above embodiment, since a limit is set on the number of coin deposit transactions per account per day, even if the customer wants to deposit a large amount of coins such as sales, the limit count is limited. However, a coin deposit transaction can only be executed, and it can be reduced that one customer occupies the automatic transaction apparatus 1 for a long time.

  As a result, when customers want to deposit a large amount of coins, the frequency of selecting a window transaction is likely to increase. In general, the counter is often provided with a coin processing device that can process a larger amount of coins than the automatic transaction device 1, and even if the counter transaction is selected, the customer is hardly inconvenienced. I guess that.

  In addition, unnatural deposit transactions of large numbers of coins acquired by fraudsters such as money thieves can be kept to a minimum.

(B) Other Embodiments In the description of the above-described embodiment, various modified embodiments have been referred to. However, the following modified embodiments can be given.

  In the above embodiment, the customer confirms the allowable number of coin deposits before the customer selects the type of deposit cash. However, the customer selects “coin only” or “banknotes and coins” as the deposit cash type. In this case, the allowable number of coin deposits may be confirmed.

  In the above-described embodiment, the automatic transaction apparatus determines whether or not the current coin deposit transaction exceeds the limit number (the initial value of the allowable number of coin deposits), but the host computer determines, The automatic transaction apparatus may capture the determination result.

  In the above embodiment, the limit number of coin deposit transactions for a certain customer is shown. However, even for the same customer, the limit number of coin deposit transactions is changed under certain conditions. May be.

  For example, the limit number of coin deposit transactions may be changed depending on the day of the week. On Fridays when customers are crowded or on Saturdays and Sundays when there are few people in the financial institution, the limit may be set lower than the standard limit, and the next day when the receipt of sales during the holiday was suppressed. On Monday, the limit number may be made larger than the reference limit number. Similarly, on a specific day of a financial institution (for example, a day that is a multiple of 5 or at the end of the month), the limit number may be made smaller than the reference limit number. On Tuesday, which is not a special day of a financial institution, the number of coin deposits may not be limited. For example, when the day changes and the host computer resets the allowable number of coin deposits of each account data to the initial value (restricted number), the host computer sets a value according to the day of the week.

  Further, for example, the limit number of coin deposit transactions may be changed according to the store scale (number of installed ATMs). A table in which the head office information and the limit number of coin deposit transactions are associated with each other is prepared in advance, and the host computer sets the limit count (coin deposit allowance) set based on the account opening main branch information included in the account data. The initial value of the number of times may be obtained.

  In the above-described embodiment, an automatic transaction apparatus that treats the allowable number of coin deposits without distinction during one day is shown. However, a weight may be attached to the allowable number of coin deposits during one day.

  For example, when the host computer asks the automatic transaction device for the allowable number of coin deposits included in the account data, the time zone is set on the condition that the number is not “0” (the limit number has not been reached). Accordingly, the allowable number of coin deposits in the account data may be updated in accordance with and the updated allowable number of coin deposits may be returned to the automatic transaction apparatus. It is preferable to provide a flag indicating that the update has been made in the account data so that it can be determined whether or not the update has been performed so that the update for the same time zone is not performed repeatedly. From 3:00 pm when the counter business ends to 6:00 pm when the number of employees at the financial institution is reduced, we updated the number of coin deposits to be increased twice so that the counter transaction is not possible. Thereafter, since it becomes difficult to deal with troubles in the automatic transaction apparatus, the allowable number of coin deposits may be updated to be reduced by one.

  In addition, for example, when the time when the current coin deposit transaction is to be executed has exceeded a predetermined time (for example, 3 hours) from the time of the previous coin deposit transaction, the host computer is included in the account data. On the condition that the allowable number of coin deposits is not “0”, the allowable number of coin deposits may be updated to be increased by “2”, and the updated allowable number of coin deposits may be transmitted to the automatic transaction apparatus ( Such updates are limited to one time).

  In the above embodiment, an automatic transaction apparatus that does not allow any coin deposit transaction exceeding the limit number is shown, but even if the limit count is exceeded, a coin deposit transaction is permitted on condition that payment of a fee (for example, 100 yen) is made. May be. For example, when the limit number is 5, it is possible to accept 6 to 10 coin deposit transactions by paying a single fee (even in this case, 11 or more coin deposit transactions are not permitted). For example, when 5 transactions are completed, a screen is displayed that states that no further coin deposit transactions can be made, and that 6 to 10 coin deposit transactions are allowed exceptionally by payment of a single fee. When the customer requests an exceptional transaction, the automatic transaction apparatus notifies the host computer of the exceptional transaction, the host computer collects the fee from the account balance, and “5” is added to the item of the allowable number of coin deposits of the account data. "Is reset.

  In the above-described embodiment, what restricts the number of coin deposit transactions per day is shown, but the period for setting the limit number of times is not limited to one day. For example, the limit number may be set in units of 10 days, or the limit number may be set in units of one month. Also, for example, set the number of times limit on a daily basis on Monday and Friday, set the limit number on Saturday and Sunday for 2 days, and set the limit number on Tuesday to Thursday for 3 days. It may not be constant.

  In the said embodiment, although the automatic transaction apparatus which restrict | limits the frequency | count of 1 day of a coin deposit transaction was shown, you may make it restrict | limit the number of deposits per day by a coin deposit transaction. For example, when the main control unit of the automatic transaction apparatus confirms that the number of deposits this time does not exceed the maximum number of deposits permitted for one transaction, it is subsequently permitted for one-day transactions. It is determined whether the number of deposits per day exceeds the limit on the number of deposits, assuming that the number of deposits this time has been added. If so, the coins deposited in this coin deposit transaction will be returned. To do.

  Moreover, you may make it use together the restriction | limiting of the frequency | count of 1 day of a coin deposit transaction, and the restriction | limiting of the number of deposits per day. In this case, you may make it refuse the coin deposit transaction exceeding any restrictions. Instead of this method, if the limit number is reached, the difference between the number of deposits up to the limit number and the limit number is calculated, and if the difference is large, the number of times determined by the range to which the difference belongs is added. Then, you may make it accept a coin deposit transaction.

  The above limit on the number of sheets is not limited to the number of deposits not related to the denomination, but may be a limit on the number of deposits for each denomination.

  In the said embodiment, although what provided the restriction | limiting with respect to coin deposit was shown, you may make it provide a restriction | limiting with respect to banknote deposit. When using both coin deposit restrictions and banknote deposit restrictions, if only one of the banknotes and coins gets caught in the "banknote and coin" deposit transaction, both deposits may be rejected. Moreover, you may make it confirm the customer's intention of whether to deposit the banknote or money which is not caught by the restriction | limiting through a display screen.

  DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 2 ... Coin depositing / withdrawing machine, 12 ... Display and input part, 13 ... Banknote depositing / withdrawing port, 14 ... Coin depositing / withdrawing port, 24 ... Coin discrimination part, 40 ... Main control part, 45 ... Banknote processing , 46 ... coin processing unit, 48 ... memory unit, 49 ... communication unit, 48a ... deposit transaction program, 48b ... coin deposit allowable number of times.

Claims (5)

In an automatic transaction apparatus that executes money deposit transactions according to customer operations,
There is a deposit amount limit to reduce the amount of money deposited for a predetermined period of time,
When a money deposit transaction is selected, it is determined whether or not the current deposit transaction is subject to a deposit amount restriction. An automatic transaction apparatus characterized by comprising.   The above deposit amount limit is a limit on the number of deposit transactions in which money deposit has been executed, and the above deposit amount restraining means is used when the current deposit transaction falls under the number of transactions exceeding the limit count. The automatic transaction apparatus according to claim 1, wherein money deposit by transaction is blocked.   The deposit amount limit is the number of deposits made by a deposit transaction in which money deposit has been executed, and the deposit amount suppression means has added the number of deposits when the deposit number has already exceeded the limit number or when this deposit transaction has been performed. 3. The automatic transaction apparatus according to claim 1, wherein when the assumed number of deposits exceeds the limit number, money deposit by the current deposit transaction is blocked.   The automatic transaction apparatus according to any one of claims 1 to 3, wherein the money provided with the deposit amount restriction is a coin. A computer installed in an automatic transaction device that executes money deposit transactions in accordance with customer operations,
When a money deposit transaction is selected, it is determined whether or not this deposit transaction is subject to a limit on the amount of money that has been set in order to reduce the amount of money deposited for a predetermined period. In this case, an automatic transaction program that functions as a deposit amount restraining means for preventing money deposit by this deposit transaction.

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