JP2015069422A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device which can present adjustment currency information for minimizing fraction after a foreign currency exchange.SOLUTION: An automatic transaction device includes: a display part; a currency input/output port; and a control part which performs foreign currency exchange processing for exchanging a kind of currency different from a currency inserted from the currency input/output port. The control part displays adjustment currency information for minimizing amount of fraction after the exchange and calculated exchanged amount based on the inserted currency on the display part.

Description

  The present invention relates to an automatic transaction apparatus.

  Recently, automatic transaction apparatuses represented by ATM (Automated Teller Machine) of financial institutions are installed in various places such as banks, station premises, and convenience stores. The customer can perform transactions such as deposit, withdrawal and balance inquiry by performing various operations on the display screen displayed on the automatic transaction apparatus.

  There are also models that can exchange foreign currency in such automatic transaction apparatuses. For example, in an automated device having a foreign currency exchange function described in Patent Document 1 below, it recognizes banknotes in a plurality of countries, acquires information such as foreign currency rates and fees for exchange from a host computer, and performs foreign currency exchange of inserted banknotes. . Moreover, normally, when performing a foreign currency exchange, the currency bill before exchange is thrown in, the amount after exchange is shown, a customer's confirmation is performed, and a currency exchange transaction is performed. The currency after exchange is paid out in banknotes and coins.

JP 2000-113285 A

  However, in the conventional automatic exchange processing, the amount of money before exchange and the amount of currency after exchange are only displayed on the screen to be confirmed by the customer, and no consideration is given to the fractional quantity paid out in coins after exchange. It wasn't. Increasing the number of fractions is undesirable for customers because the amount of currency they carry is increased, and in order to adjust the exchange amount, there is a burden of starting over the exchange transaction from the beginning and the burden of having to assume the exchange amount by itself. It was.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is a novel and capable of presenting adjusted currency information for minimizing the fraction after foreign currency exchange. It is to provide an improved automatic transaction apparatus.

  In order to solve the above-described problem, according to one aspect of the present invention, a foreign currency exchange process for exchanging a currency input from a display unit, a currency input / output port, and a currency input from the currency input / output port into a different type of currency is performed. A control unit that performs, and the control unit displays adjusted currency information that minimizes the fractional amount of the amount after exchange together with the amount after exchange calculated based on the currency that has been input, An automated transaction device is provided.

  Further, the fractional quantity may be the number of coins discharged as currency exchange.

  The control unit may display a combination of currency type, amount, and quantity as the adjusted currency information.

  Moreover, the said control part may display two or more said combinations in the order that a fractional quantity becomes the minimum.

  Further, the control unit may display only the adjusted currency information corresponding to the type of the input currency.

  Further, the adjusted currency information may be information for adjusting the fractional amount of the money after exchange by additionally inserting currency.

  The control unit displays the adjusted currency information and also displays an additional input key. When the additional input key is selected, the control unit opens the currency input / output port to accept additional input of currency, You may calculate the amount after exchange.

  As described above, according to the present invention, it is possible to present adjusted currency information for minimizing the fraction after foreign currency exchange.

It is explanatory drawing which showed the whole structure of the automatic transaction system by one Embodiment of this invention. It is the figure which showed the basic composition of the automatic transaction apparatus by one Embodiment of this invention. It is a flowchart which shows an example of the foreign currency exchange process by the automatic transaction apparatus by this embodiment. It is a figure which shows the conversion table of the exchange rate by 1st Embodiment, the amount before exchange, and the amount after exchange. It is a figure which shows an example of the exchange simulation by 1st Embodiment. It is a figure which shows the example of a display of the adjustment currency information by 1st Embodiment. It is a figure which shows an example of the exchange simulation by 2nd Embodiment. It is a figure which shows the example of a display of the adjustment currency information by 2nd Embodiment.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

The present invention may be implemented in various forms as will be described in detail herein below. Moreover, the automatic transaction apparatus (1) by each embodiment is as follows.
A. A display unit (operation display unit 12);
B. Currency input / output port (banknote input / output port 3);
C. A control unit (main control unit 10) that performs a foreign currency exchange process for exchanging the currency input from the currency input / output port into a different type of currency;
Have
D. The control unit displays, on the display unit, adjusted currency information that minimizes the fractional amount (fractional amount) of the post-exchange amount together with the post-exchange amount calculated based on the input currency.

  Such an automatic transaction apparatus 1 will be described with reference to each embodiment after first describing an outline of an automatic transaction system using the automatic transaction apparatus 1.

<1. Overview of automatic transaction system>
FIG. 1 is an explanatory diagram showing the overall configuration of an automatic transaction system according to an embodiment of the present invention. As shown in FIG. 1, the automatic transaction system includes a plurality of automatic transaction apparatuses 1, a dedicated network 20, and a financial institution host 30.

  The automatic transaction apparatus 1 is a customer operation type terminal that executes money transactions, specifically, foreign currency exchange processing based on operations by customers of financial institutions. This automatic transaction apparatus 1 is installed in various facilities such as a financial institution sales office, a station premises, an airport, a hotel, and an office building.

  The automatic transaction apparatus 1 includes a numeric keypad 2, a banknote deposit / withdrawal port 3, a coin deposit / withdrawal port 4, a card insertion / ejection port 5, a statement slip ejection port 6, and an operation display unit 12. The operation display unit 12 includes a function as a display unit that displays a guidance screen for an operation by a customer and a customer operation unit that detects a customer operation. The function as the display unit is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. Moreover, the function as a customer operation part is implement | achieved by the touch panel, for example. 1 shows an example in which the functions of the display unit and the customer operation unit are integrally configured in the automatic transaction apparatus 1, the functions of the display unit and the customer operation unit may be configured separately. .

  The numeric keypad 2 is an example of a customer operation unit for inputting a password, transaction amount, and the like.

  The banknote deposit / withdrawal port 3 has a function as a banknote deposit port by a customer and a banknote withdrawal port to a customer. Specifically, the banknote deposit / withdrawal port 3 according to the present embodiment deposits banknotes before exchange and dispenses banknotes after exchange. The coin deposit / withdrawal port 4 has a function as a deposit port for coins by a customer and a deposit / withdrawal port for coins to a customer. Specifically, the coin deposit / withdrawal port 4 according to the present embodiment dispenses coins after exchange.

  The card insertion / discharge port 5 is an opening for inserting and discharging a customer's magnetic card. The statement slip discharge port 6 is an opening for discharging a statement slip (receipt) on which transaction information is printed.

  The dedicated network 20 is a network of a financial institution, and is configured by, for example, an IP-VPN (Internet Protocol-Virtual Private Network). The financial institution host 30 can communicate with the automatic transaction apparatus 1 via the dedicated network 20.

  The financial institution host 30 controls various transactions by communicating with the automatic transaction apparatus 1 via the dedicated network 20. For example, the financial institution host 30 authenticates a customer who operates the automatic transaction apparatus 1 or executes a financial transaction (account transaction processing) such as payment or transfer instructed by the customer in the automatic transaction apparatus 1. . The financial institution host 30 manages customer information (account ledger) such as account number, personal identification number, name, address, age, date of birth, telephone number, occupation, family structure, annual income, and deposit balance.

  Embodiments of the present invention relate to an automatic transaction apparatus 1 included in the above-described automatic transaction system, and more particularly, to a foreign currency exchange transaction executed in the automatic transaction apparatus 1. Then, after demonstrating the basic composition of the automatic transaction apparatus 1, each embodiment of this invention is described in detail below.

<2. Basic configuration>
(Constitution)
FIG. 2 is a diagram showing a basic configuration of the automatic transaction apparatus 1 according to the embodiment of the present invention. As shown in FIG. 2, the automatic transaction apparatus 1 according to the present embodiment includes a main control unit 10, a host PC interface 11, an operation display unit 12, a banknote deposit / withdrawal unit 13, and a plurality of banknote cassettes 14-1 to 14-M. , A coin deposit / withdrawal unit 15, a plurality of coin cassettes 16-1 to 16 -M, and a storage unit 17.

  The main control unit 10 controls each component of the automatic transaction apparatus 1 and executes various money transactions. Specifically, the main control unit 10 executes a foreign currency exchange process for exchanging the input currency into a different type of currency (for example, specified by a customer). At this time, the main control unit 10 displays on the operation display unit 12 adjusted currency information that minimizes the quantity (fractional quantity) of the fraction of the amount after exchange together with the amount after exchange calculated based on the inserted currency. .

  In this specification, the quantity of the fraction of the amount after exchange means the quantity of coins discharged (paid out) as exchange currency. For example, when the automatic transaction apparatus 1 handles 500 yen coins, 100 yen coins, 10 yen coins, and 1 yen coins as JPN coins, the amount to be paid out is a fraction, and the amount of coins to be paid out is a fraction. Is the quantity. In addition, when the automatic transaction apparatus 1 is based on the premise that it does not handle banknotes of less than $ 5 in USD, banknotes of less than 20 euros in EUR, and banknotes of less than 50 yuan in CNY, The unit is a fraction (amount paid out in coins).

  The host PC interface 11 transmits / receives data to / from the financial institution host 30 via the dedicated network 20. The host PC interface 11 can also acquire exchange information such as a foreign currency rate necessary for exchange processing from the financial institution host 30.

  The operation display unit 12 has been described above with reference to FIG. The exchange screen displayed on the operation display unit 12 will be described later with reference to FIGS.

  The banknote deposit / withdrawal unit 13 has a function of managing banknotes deposited / withdrawn from the banknote deposit / withdrawal port 3. Specifically, the banknote deposit / withdrawal unit 13 conveys the banknotes deposited from the banknote deposit / withdrawal port 3 to a discrimination unit (not shown), and the discrimination unit uses the currency type (which country's currency) and denomination (Japan). If it is a yen, it is discriminated whether it is a 10,000 yen bill or a thousand yen bill). The banknote deposit / withdrawal unit 13 outputs the discrimination result to the main control unit 10 and conveys it to an appropriate banknote cassette 14-1 to 14-M according to the discrimination result. Moreover, the banknote depositing / withdrawing part 13 pays out the banknote contained in the money after exchange from the banknote cassette 14-1-14-M according to the exchange process by the main control part 10, and makes the banknote depositing / withdrawing port 3 convey, and banknote depositing / withdrawing. Withdraw money from mouth 3.

  The plurality of banknote cassettes 14-1 to 14-M are storage cassettes that store banknotes for each currency type and money type.

  The coin deposit / withdrawal unit 15 has a function of managing coins deposited / withdrawn from the coin deposit / withdrawal port 4. Specifically, the coin deposit / withdrawal unit 15 transports the coins deposited from the coin deposit / withdrawal port 4 to a discrimination unit (not shown), and the discrimination unit (which country's currency), denomination (Japan) If it is a yen, it is discriminated whether it is a 100 yen coin or a 10 yen coin). The coin deposit / withdrawal unit 15 outputs the discrimination result to the main control unit 10 and conveys it to an appropriate coin cassette 16-1 to 16-M according to the discrimination result. Moreover, the coin depositing / withdrawing part 15 pays out the coins included in the money after the exchange from the coin cassettes 16-1 to 16-M according to the exchange process by the main control unit 10, and transports them to the coin depositing / withdrawing port 4 for coin depositing / withdrawing. Withdraw money from mouth 4.

  The storage unit 17 stores various money transactions by the main control unit 10, in particular, a program for executing a foreign currency exchange process according to the present embodiment, and exchange information such as a foreign currency rate necessary for the exchange process.

  The basic configuration of the automatic transaction apparatus 1 according to the present embodiment has been specifically described above. Next, the operation of the basic configuration described above will be described with reference to FIG.

(Operation)
FIG. 3 is a flowchart showing an example of foreign currency exchange processing by the automatic transaction apparatus 1 according to the present embodiment. As shown in FIG. 3, first, in step S <b> 103, the main control unit 10 displays a transaction selection screen on the operation display unit 12. The transaction selection screen includes selection keys such as “deposit”, “withdrawal”, “transfer”, “transfer”, “book entry”, “balance inquiry”, and “foreign currency exchange”. The customer can perform a foreign currency exchange transaction by selecting a “foreign currency exchange” key.

  Next, in step S106, the main control unit 10 displays a currency type selection screen for selecting the type of exchange currency on the operation display unit 12 in accordance with the selection of the “Foreign Currency Exchange” key, and selects the currency type. Accept. The currency type selection screen includes selection keys such as “Yen” (JPY), “US dollar” (USD), “Euro” (EUR), and “yuan” (CNY), which can be exchanged. The customer selects the key of the currency to be exchanged.

  Next, in step S109, the main control unit 10 acquires information (exchange information) of the rate of the selected currency (which may be an exchange rate including an exchange fee). The exchange information may be acquired from the storage unit 17 or may be acquired from the financial institution host 30.

  Next, in step S112, the main control unit 10 displays the exchange information and the confirmation key on the operation display unit 12, guides the customer to select the confirmation key, and waits for confirmation.

  Next, when the confirmation key is selected (S112 / Yes), in step S115, the main control unit 10 displays a bill insertion guidance screen (not shown) on the operation display unit 12, and inserts a bill for exchange to the customer. And waits for input. For example, when a customer exchanges a country A currency bill and a country B currency bill into a country D currency, the customer is guided to insert the country A currency bill and the country B currency bill.

  Next, when a bill is inserted (S115 / Yes), in step S118, the main control unit 10 displays a bill counting screen (not shown) on the operation display unit 12, counts the inserted bill, The amount after exchange is calculated based on the counting result and exchange information (fee and rate information).

  Subsequently, in step S121, the main control unit 10 performs a currency exchange simulation. The currency exchange simulation is a simulation of the amount after exchange when an inserted banknote is added. Specifically, the main control unit 10 exchanges money for each denomination that can be handled by the automatic transaction apparatus 1 (for example, various banknotes in country A, various banknotes in country B, and various banknotes in country C). The amount after exchange (for example, D country currency amount) according to the information is calculated. Then, the calculated post-exchange amount is added to the post-exchange amount based on the actually inserted banknote, and the post-exchange amount simulation when the inserted banknote is added is performed.

  Next, in step S124, the main control unit 10 displays on the operation display unit 12 a currency exchange screen including the post-exchange amount based on the bills actually inserted and the adjusted currency information based on the currency exchange simulation. The adjusted currency information is information on the adjusted currency that minimizes the fractional amount of the money after exchange. As a result of the above-described exchange simulation, the main control unit 10 displays, as adjustment currency information, information on the additional currency for the smallest quantity included in each post-exchange amount. In addition, when a money exchange simulation of a plurality of denominations is performed, the main control unit 10 sets adjustment currency information corresponding to each exchange simulation by a finite number, for example, a plurality of higher adjustment currencies in an order in which the fractional quantity is minimized. Information may be displayed on the operation display unit 12.

  Thus, conventionally, only the amount of inserted banknotes and the amount after exchange were displayed, but the main control unit 10 according to the present embodiment also displays adjustment currency information for minimizing the quantity of the fraction after the exchange amount. Therefore, the customer can easily adjust the input amount to reduce the fraction. Specific examples of the exchange simulation and the display of the adjusted currency information will be described in detail in first and second embodiments described later.

  Next, in step S127, the main control unit 10 waits for confirmation of the exchange amount by the customer.

  When the additional input key is also displayed on the operation display unit 12 together with the adjusted currency information, in step S136, the main control unit 10 waits for the customer to press the additional input key in parallel with the exchange amount confirmation wait.

  Next, when the additional insertion key is pressed (S136 / Yes), in step S139, the main control unit 10 opens the banknote deposit / withdrawal port 3 and accepts additional insertion of banknotes. The customer inserts a predetermined bill in order to reduce the fraction in accordance with the adjusted currency information.

  When a bill is inserted (S139 / Yes), the inserted bill is counted again in S118, and the amount after exchange is calculated. The above-described S118 to S127, S136, and S139 are repeated until the confirmation key is pressed on the exchange screen (S127 / Yes). If the confirmation key is not pressed even if it is repeated a predetermined number of times, the main control unit 10 stops the foreign currency exchange transaction and refunds the input money to the customer.

  Next, when the confirmation key is pressed on the exchange screen (S127 / Yes), in step S130, the main control unit 10 displays an exchange processing in-progress screen (not shown), and inserts the inserted banknote into the predetermined banknote cassette 14 or It is stored in a reject cassette or the like and payment currency counting is started.

  In step S133, the main control unit 10 pays out the money after exchange from the banknote deposit / withdrawal port 3 and the coin deposit / withdrawal port 4 with banknotes and coin cash, and also dispenses the statement slip on which the transaction information is printed. Discharge from outlet 6.

  The operation process of the foreign currency exchange process according to this embodiment has been described above. Next, specific examples of currency exchange simulation and adjusted currency information according to this embodiment will be described using a plurality of embodiments.

<3. Detailed description of each embodiment>
[3-1. First Embodiment]
In the present embodiment, as an example, exchange simulation and display of adjusted currency information in the case where 300 dollars and 50 euros are inserted and exchanged into Japanese yen will be described with reference to FIGS.

  FIG. 4 is a diagram showing a correspondence table of the exchange rate, the amount before exchange, and the amount after exchange according to the first embodiment. Based on the counting result of the inserted banknotes and the exchange information, the main control unit 10 calculates the total amount after exchange as 32,515 yen as shown in FIG. Here, when the coins that can be handled by the automatic transaction apparatus 1 are 500 yen coins, 100 yen coins, 10 yen coins, and 1 yen coins, the fractional amount of the money after exchange is “7”.

  Next, an example of a currency exchange simulation will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a currency exchange simulation according to the first embodiment. The main control unit 10 calculates the amount after exchange according to the exchange information for each denomination that can be handled by the automatic transaction apparatus 1.

  Specifically, for example, as shown in FIG. 5, when the denominations that can be handled by the automatic transaction apparatus 1 are 100 dollar bills, 10 dollar bills, 100 euro bills, 50 euro bills, and 100 yuan bills, The control unit 10 calculates the exchange amount for each one. At this time, as the exchange information, the same information as that used when calculating the post-exchange amount based on the actual inserted banknotes is used (see FIG. 4). In addition, in the example shown in FIG. 4, since the CNY exchange information is not included, the main control unit 10 newly acquires CNY exchange information.

  The main control unit 10 adds the calculated exchange amount to the exchange amount based on the actual inserted banknote (see FIG. 4), and performs the exchange simulation (calculation of the amount after exchange) for each denomination. Specifically, for example, as shown in FIG. 5, when one 100 dollar bill is added, the amount after exchange is 41,489 yen, and when one 10 dollar bill is added, 33,412 Become a circle. Also, if one 100 euro banknote is added, it will be 44,244 yen, and if one 50 euro banknote is added, it will be 38,108 yen. Moreover, when one 100 yuan banknote is added, it will be 34,001 yen.

  As described above, when the currency exchange simulation is performed for each of the plurality of denominations, the main control unit 10 ranks the order in which the quantity of the fraction of the amount after the exchange of each currency exchange simulation is the smallest. For example, in the example shown in FIG. 5, the number of fractions when a 100 yuan banknote is added is the smallest with one 1-yen coin, and the number of fractions when a 10-dollar bill is added is 4 100-yen coins and 10-yen coins. The second is the second with a total of seven, one and two 1-yen coins. Thereby, the main control unit 10 can display the adjusted currency information corresponding to the plurality of higher-order exchange simulation results on the exchange screen in the order in which the fractional quantity is minimized.

  Next, presentation of the adjusted currency information will be described with reference to FIG. FIG. 6 is a diagram illustrating a display example of the adjusted currency information according to the first embodiment. As shown in FIG. 6, the exchange screen displayed on the operation display unit 12 includes an exchange amount display 120 based on actual inserted banknotes, an input amount display 122 for each currency type, and an adjustment for reducing fractions. A currency information display 124, a cancel key 126, an additional input key 128, and a confirmation key 130 are included.

  The adjusted currency information display 124 shows the amount after exchange when a predetermined number of denominations are added, so that the customer intuitively understands that the fraction after exchange is reduced by the addition of the predetermined denominations. can do. The customer selects the additional insertion key 128 when adding a bill according to the adjustment currency information.

  The cancel key 126 is a key for canceling the foreign currency exchange transaction. When the cancel key 126 is pressed, the main control unit 10 cancels the transaction and returns the inserted banknote to the customer. The additional insertion key 128 is a key for additionally inserting banknotes. When the additional insertion key 128 is pressed, the main control unit 10 opens the banknote deposit / withdrawal port 3 and accepts additional insertion of banknotes. The confirmation key 130 is a key for the customer to confirm the exchange amount. When the confirmation key 130 is pressed, the main control unit 10 pays out the displayed exchange amount.

  The currency exchange simulation and the adjustment currency information according to the first embodiment have been described above in detail. As described above, in the first embodiment, adjustment currency information for reducing the fraction of the amount after exchange is presented based on the exchange simulation of each one of the denominations that can be handled by the automatic transaction apparatus 1. In the example shown in FIG. 6, the top three adjusted currency information is displayed. However, the main control unit 10 does not display the adjusted currency information whose fraction is not smaller than the amount after exchange based on the amount actually inserted. May be.

[3-2. Second Embodiment]
In the first embodiment, exchange simulation of each one of the denominations that can be handled by the automatic transaction apparatus 1 is performed, but even if it can be handled by the automatic transaction apparatus 1, the customer possesses the denomination. It may not have been done. Therefore, in the second embodiment, it is proposed to display only the adjusted currency information corresponding to the input currency type. Hereinafter, a specific description will be given with reference to FIGS. In this embodiment, as in the first embodiment, it is assumed that $ 300 and 50 euros are input by the customer (see FIG. 4). In addition, the JPY handling coins of the automatic transaction apparatus 1 according to the present embodiment are also 500 yen coins, 100 yen coins, 10 yen coins, 1 yen coins, as in the first embodiment.

  FIG. 7 is a diagram illustrating an example of a currency exchange simulation according to the second embodiment. The main control unit 10 calculates the post-exchange amount according to the exchange information for each of the denominations that can be handled by the automatic transaction apparatus 1, and adds it to the exchange amount based on the actual inserted banknotes.

  Moreover, when the currency exchange simulation is performed for each of the plurality of denominations as shown in FIG. 7, the main control unit 10 ranks the order in which the quantity of the fractional amount of the money after each currency exchange simulation is the smallest. Here, in the present embodiment, since only the adjusted currency information corresponding to the currency type input by the customer is displayed, the main control unit 10 ranks only the currency exchange simulation corresponding to the currency type input by the customer. For example, among the USD, EUR, and CNY currency types, the USD and EUR currencies are input by the customer, but the CNY currency is not input. Therefore, as shown in FIG. Rankings except for currency exchange simulations.

  Specifically, when a 10 dollar bill is added, the fractional quantity is the smallest with a total of 7 pieces of 4 100 yen coins, 1 10 yen coin and 2 1 yen coins. The number of fractions is the second lowest, with a total of nine, one 100-yen coin and one 1-yen coin. As a result, the main control unit 10 can display the adjusted currency information according to the plurality of higher-order exchange simulation results on the exchange screen in the order in which the fractional quantity is minimized in accordance with the currency type input by the customer. Become.

  Next, presentation of adjusted currency information will be described with reference to FIG. FIG. 8 is a diagram illustrating a display example of the adjusted currency information according to the second embodiment. As shown in FIG. 8, the exchange screen displayed on the operation display unit 12 includes an exchange amount display 120 based on actual inserted banknotes, an input amount display 122 for each currency type, and an adjustment for reducing fractions. A currency information display 125, a cancel key 126, an additional input key 128, and a confirmation key 130 are included.

  Adjustment currency information display 125 shows the amount after exchange when a predetermined number of denominations are added, so that the customer intuitively understands that the fraction after exchange will decrease due to the addition of the predetermined denominations can do. In particular, in the present embodiment, only the adjusted currency information corresponding to the currency type input by the customer is displayed, so the possibility that the customer possesses the denomination is high.

  The currency exchange simulation and the adjustment currency information according to the second embodiment have been described above in detail. As described above, in the second embodiment, only the adjusted currency information corresponding to the currency type input by the customer is presented, so that the presentation information can be made more suitable for the customer. In the example shown in FIG. 8, the top three adjusted currency information is displayed, but the main control unit 10 does not display the adjusted currency information whose fraction is not smaller than the amount after exchange based on the amount actually inserted. May be. In addition, when a new currency type (for example, CNY) is input by additional input by the customer, the main control unit 10 may also display adjusted currency information according to the new currency type.

<4. Summary>
As described above, according to the embodiment of the present invention, it is possible to present adjusted currency information for minimizing the fraction after foreign currency exchange.

  Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in each of the above embodiments, a currency exchange simulation is performed in which the fraction is adjusted by additional input. However, the present invention is not limited to this, and a currency exchange simulation in which the fraction is adjusted by reducing the input amount may be performed.

  In each of the above embodiments, it has been described that the automatic transaction apparatus 1 communicates with the financial institution host 30 (higher-order apparatus) via the dedicated network 20, but the present embodiment is not limited to this. For example, the financial institution host It may be realized by a single automatic transaction apparatus without being connected to 30. Specifically, in the case where the automatic transaction apparatus 1 is a foreign currency exchange machine that handles the sale and purchase of foreign currency as a main transaction, the exchange process according to the above embodiment is performed without communicating with the host apparatus. In this case, rate information (exchange information) of foreign currency that can be traded with the foreign currency exchange machine is stored in the storage unit 17 of the foreign currency exchange machine (automatic transaction apparatus 1).

  Further, in the foreign currency exchange process described with reference to FIG. 3, the rate of the selected denomination is shown in step S109. However, the present embodiment is not limited to this, for example, the automatic transaction apparatus 1 at the start of the transaction. The rate of denominations that can be handled may be displayed.

  Further, in steps S103 and S106 in the figure, the type of currency to be exchanged is selected by the customer. However, the present embodiment is not limited to this. For example, foreign currency purchase is performed in a foreign currency exchange machine (automatic transaction apparatus 1). In this case, the currency type to be exchanged is automatically set to the home currency.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Numeric keypad 3 Banknote depositing / withdrawing port 4 Coin depositing / withdrawing port 5 Card insertion discharge port 6 Detail slip discharge port 10 Main control part 11 Host PC interface 12 Operation display part 13 Banknote depositing / withdrawing part 14-1-14-M Banknote cassette 15 Coin deposit / withdrawal unit 16-1 to 16-M Coin cassette 17 Storage unit 120 Currency exchange amount 122 Input amount for each currency type 124 Adjustment currency information 126 Cancel key 128 Additional input key 120 Confirmation key

Claims (7)

A display unit;
Currency input and output,
A control unit that performs foreign currency exchange processing for exchanging the currency input from the currency input / output port into a different type of currency;
With
The said control part is an automatic transaction apparatus which displays the adjustment currency information in which the fractional quantity of the said amount after exchange is the minimum with the amount after exchange calculated based on the inserted currency on the said display part.   The automatic transaction apparatus according to claim 1, wherein the fractional quantity is the number of coins discharged as a currency of change.   The said control part is an automatic transaction apparatus of Claim 1 or 2 which displays the combination of the classification, money amount, and quantity of a currency as said adjustment currency information.   The said control part is an automatic transaction apparatus of Claim 3 which displays two or more of the said combinations in order with the fractional quantity becoming the minimum.   The automatic transaction apparatus according to any one of claims 1 to 4, wherein the control unit displays only adjusted currency information corresponding to a type of currency that has been input.   The automatic transaction apparatus according to any one of claims 1 to 5, wherein the adjusted currency information is information for adjusting a fractional amount of the money after exchange by adding a currency. The control unit displays the adjusted currency information and also displays an additional input key. When the additional input key is selected, the currency input / output port is opened to accept additional input of currency, and again after exchange The automatic transaction apparatus of any one of Claims 1-6 which calculates moneys.

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