JP2017021428A - Automatic transaction machine and method of facilitating currency exchange by automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction machine capable of preventing increase of cost for ATM management by maintaining the amount of paper currencies in the ATM to an appropriate level to prevent delay in money reception transaction.SOLUTION: The automatic transaction machine for automatically performing deposit and withdrawal transaction, includes: a calculation section that calculates receivable amount of predetermined denominations; a determination section that determines whether the calculated receivable amount is lower than a predetermined value; and a control unit that, when the calculated receivable amount is lower than the predetermined value, determines to display a currency exchange facilitating screen prompting currency exchange using predetermined denominations, and when a withdrawal transaction exceeds a predetermined withdrawal transaction condition, to display currency exchange facilitating screen.SELECTED DRAWING: Figure 5

Description

  The present invention relates to an automatic transaction apparatus that automatically performs deposit / withdrawal transactions.

  2. Description of the Related Art Conventionally, automatic transaction machines (ATMs) having a currency exchange function for exchanging the amount of money in a withdrawal transaction have been installed inside and outside financial institutions. In the above ATM, the withdrawal amount of 10,000 yen or more is input by the user in the withdrawal transaction, and the exchange button for exchanging 10,000 yen into ten thousand yen bills is pressed, and then 10,000 yen is thousand yen bills. Withdraw as 10 cards. An example of such ATM is disclosed in Patent Document 1 below.

  By the way, the ATM can perform other transactions such as a deposit transaction in addition to the withdrawal transaction. For example, when a deposit transaction is performed, banknotes and coins to be deposited are accumulated in the ATM. Since the amount of banknotes and coins that can be stored in the ATM is limited, the deposit transaction is degenerated when the banknotes and coins in the ATM are full, so if the banknotes and coins in the ATM exceed a predetermined amount, the bank It is collected by.

JP-A-5-324978

  However, depending on the environment in which the ATM is installed and the time zone in which the ATM is used, deposit transactions increase, and deposits of certain denominations such as thousand yen bills may increase. If the deposit of the thousand yen bill continues and the number of bills in the cassette and the stacker for storing the bills exceeds a predetermined number, the deposit transaction is degenerated. In order to eliminate the degeneracy of the deposit transaction, the thousand yen bill must be collected from the ATM, which causes a problem that the management cost of the ATM increases.

  In view of the above problems, the present invention provides an automatic transaction apparatus capable of avoiding an increase in ATM management costs by maintaining an appropriate amount of banknotes in an ATM and preventing occurrence of degeneration of a deposit transaction. For the purpose.

  In order to achieve the above object, the automatic transaction apparatus of the present invention is an automatic transaction apparatus that automatically performs deposit and withdrawal transactions, a calculation unit that calculates the number of storable pieces of a predetermined denomination, and the calculated storable amount A determination unit that determines whether or not the number of sheets is below a predetermined value, and if the number is lower, it is determined to display an exchange promotion screen that prompts the exchange by the predetermined denomination, and satisfies a predetermined withdrawal transaction condition And a control unit that displays the exchange promotion screen when a withdrawal transaction is performed.

  Moreover, in the automatic transaction apparatus according to the present invention, it is a preferable aspect of the present invention that the control unit cancels the display determination of the exchange promotion screen when the storable number exceeds the predetermined value.

  Moreover, in the automatic transaction apparatus of the present invention, the control unit cancels the display determination of the exchange promotion screen when the storable number exceeds a value different from the predetermined value. is there.

  Further, in the automatic transaction apparatus according to the present invention, the calculation unit calculates the storable number of the predetermined denomination based on the storable number of stackers of the predetermined denomination and the storable number of cassettes. This is a preferred embodiment of the present invention.

  The exchange promotion method of the present invention is a method for promoting exchange by an automatic transaction apparatus that automatically performs deposit and withdrawal transactions, the step of calculating the number of storable sheets of a predetermined denomination, and the calculated storable number of sheets being a predetermined number. A step of determining whether or not the value is less than the value of the value, and if the value is below the value, it is determined to display a money exchange promotion screen that prompts the exchange by the predetermined denomination, and the withdrawal transaction satisfying the predetermined withdrawal transaction condition is determined. Displaying the exchange promotion screen when it is performed.

  Moreover, in the exchange promotion method of the present invention, it is a preferable aspect of the present invention that the method further includes a step of canceling the display determination of the exchange promotion screen when the storable number exceeds the predetermined value.

  In addition, in the exchange promotion method of the present invention, it is a preferable aspect of the present invention that the method further includes a step of canceling display determination of the exchange promotion screen when the storable number exceeds a value different from the predetermined value. .

  Further, in the exchange promotion method of the present invention, in the step of calculating the storable number of the predetermined denomination, the predetermined denomination is based on the storable number of stackers of the predetermined denomination and the storable number of cassettes. It is a preferable aspect of the present invention to calculate the number of sheets that can be stored.

  According to the present invention, it is possible to avoid an increase in ATM management costs by keeping the amount of banknotes in an ATM at an appropriate amount and preventing the occurrence of deposit transaction degeneration.

It is an external view which shows an example of the external appearance of ATM which concerns on embodiment. It is a figure which shows an example of the hardware constitutions for implement | achieving ATM which concerns on embodiment. It is a side view which shows an example of the side surface of the banknote unit mounted in ATM which concerns on embodiment. It is a figure for demonstrating the storage method of the banknote to a stacker and a cassette at the time of the money_receiving | payment transaction in embodiment. It is a figure for demonstrating the feeding method of the banknote from a stacker at the time of the payment transaction in embodiment. It is a figure which shows an example of a structure of the functional block of ATM which concerns on embodiment. It is a figure which shows an example of the exchange promotion screen in embodiment. It is a figure which shows an example of the payment confirmation screen in embodiment. It is a flowchart which shows an example of the processing flow at the time of the deposit transaction of ATM which concerns on embodiment. It is a flowchart which shows an example of the processing flow at the time of the withdrawal transaction of ATM which concerns on embodiment.

  Hereinafter, embodiments will be described with reference to the drawings. FIG. 1 is a diagram showing an example of the appearance of an ATM according to an embodiment of the present invention. As shown in FIG. 1, the ATM 10 includes a card doorway 11, a bankbook doorway 12, a banknote doorway 13, a coin doorway 14, a user operation unit 15, a speaker 16, an automatic machine sub-display body 17, and an automatic machine sub-display 18.

  The card entrance 11 is used for inserting various cards such as cash cards and credit cards, returning inserted cards, and discharging issued receipts.

The bankbook entrance / exit 12 is used to insert a bankbook or return an inserted bankbook.
The banknote inlet / outlet 13 is used for inputting banknotes to be deposited and discharging banknotes to be withdrawn.
The coin inlet / outlet 14 is used for inputting coins to be deposited and discharging coins to be dispensed.

  The user operation unit 15 is a display provided with a touch panel, and is used when performing various data input including a password input and various instructions.

  The speaker 16 is used for outputting, for example, guidance necessary for performing various transactions as voice to the user.

  The automatic machine sub-display main body 17 includes an automatic machine sub-display 18 and displays various kinds of additional information for the user. For example, the automatic machine sub-display main body 17 provides the user with an exchange guidance display to be described later.

  Note that the above-described external configuration of the ATM 10 is an example, and for example, a vein authentication unit that performs biometric authentication by reading the veins of the palm may be provided.

  Next, an example of a hardware configuration for realizing ATM will be described with reference to FIG. As shown in FIG. 2, the ATM 10 includes an ATM control unit 20, an internal memory 21, a storage unit 22, a card processing unit 23, a passbook processing unit 24, a banknote processing unit 25, a coin processing unit 26, a display unit 27, and an audio output unit. 28, a host communication unit 29.

  The ATM control unit 20 controls the entire ATM 10 in an integrated manner, reads a program for performing various processes of the ATM 10 stored in the storage unit 22 and the like, and temporarily loads the read program into the internal memory 21. And performs various processes according to the program, for example, a CPU (Central Processor Unit).

  The ATM control unit 20 performs control for realizing a transaction instructed by the user operating the display unit 27. Specifically, the ATM control unit 20 selects a certain transaction from the transaction menu displayed on the user operation unit 15 of the display unit 27, and when a card or a passbook is inserted, the ATM control unit 20 The communication necessary for providing a transaction service is performed with a host computer (not shown) that manages various information such as user account information, personal identification number, and deposit amount.

  For example, when a withdrawal transaction or a deposit transaction is selected, the ATM 10 transmits a transaction request to the host computer via the host communication unit 29. Based on the transaction request from the ATM 10, the host computer performs account authentication, etc., determines whether the transaction is possible, updates the account balance of the user based on the determination that the transaction is possible, and transmits the determination result to the ATM 10. The transaction processing by ATM10 based on the determination of whether or not the transaction is possible is performed.

  The internal memory 21 temporarily stores a part of an OS (Operating System) program and application programs to be executed by the ATM control unit 20. The internal memory 21 stores various data necessary for processing by the ATM 10. The internal memory 21 is, for example, a RAM (Random Access Memory).

  As described above, the storage unit 22 stores application programs for performing various processing of the ATM 10, data necessary for processing of the ATM 10, and the like, for example, an HDD (Hard Disk Drive).

  The card processing unit 23 has a magnetic data reading unit, a card image reading unit, and a receipt printing unit (not shown) in addition to the card entrance 11 shown in FIG. The card processing unit 23 accepts a magnetic card or the like inserted by the user from the card entrance 11, reads account information from the magnetic data of the card, reads the image of the card, and prints a receipt on which the contents of transaction processing are printed, Or return it from the card entrance 11.

  The bankbook processing unit 24 has a magnetic data reading unit and an optical data reading unit (not shown) in addition to the bankbook entrance 12 shown in FIG. The passbook processing unit 24 accepts the passbook inserted by the user from the passbook entrance 12 and transports it to a predetermined position, writes the contents of transaction processing, or returns the passbook that has been recorded from the passbook entrance 12.

  The banknote processing unit 25 and the coin processing unit 26 have the banknote inlet / outlet 13 and the coin inlet / outlet 14 shown in FIG. 1, respectively, accept banknotes and coins inserted from the banknote inlet / outlet 13 and the coin inlet / outlet 14, and count the banknotes and coins. Or a predetermined number of banknotes and coins are discharged from the banknote entrance 13 and the coin entrance 14 according to the withdrawal transaction selected by the user. Note that the banknote processing unit 25 corresponds to, for example, a banknote unit 300 described later.

  The display unit 27 includes the user operation unit 15 illustrated in FIG. 1, and displays a screen, a message, and the like related to the transaction on the user operation unit 15 and receives operation input from the user.

  The audio output unit 28 has the speaker 16 shown in FIG. 1 and outputs, as audio, guidance necessary for realizing various transactions selected by the user.

  The host-to-host communication unit 29 is used when communication necessary for providing the transaction service selected by the user is performed with the host computer, and is, for example, a communication interface.

  Next, an example of the banknote unit mounted in ATM10 is demonstrated using FIG. As shown in FIG. 3, the banknote unit 300 includes a shutter 301, a deposit / withdrawal unit 302, a return holding unit 303, a temporary holding unit 304, a ten thousand ticket stacker 305, a ten thousand ticket stacker 306, a thousand ticket stacker 307, a counting stacker 308, The cassette F 309, the cassette R 310, the reject 311, the reject 312, the reject 313, the cassette F refill reject unit 314, the cassette R refill reject unit 315, the discrimination unit 316, and the test ticket set unit 317 are configured.

  The shutter 301 is a user-side shutter installed in the deposit / withdrawal unit 302, and opens when depositing and dispensing banknotes. The deposit / withdrawal unit 302 is for inserting banknotes when depositing banknotes and receiving banknotes when depositing banknotes. The return holding unit 303 is for temporarily holding a banknote, for example, in order to return a banknote for which the denomination of the deposited banknote could not be identified. The temporary storage unit 304 is for temporarily storing banknotes to be deposited and withdrawn.

  The 10,000 ticket stacker 305, the 10,000 ticket stacker 306, and the thousand ticket stacker 307 are banknote storages that store bills of the respective denominations. The 10,000 ticket stacker 305 and the 10,000 ticket stacker 306 store 10,000 yen bills, The thousand ticket stacker 307 stores a thousand yen bill. Each of the 10,000 ticket stacker 305, the 10,000 ticket stacker 306, and the thousand ticket stacker 307 has a storage specification capable of storing 2700 bills, for example. The number of stackers and the storage specifications are not limited to this. The denominations stored in the stacker can be changed according to the setting. The counting stacker 308 is used when counting banknotes in the banknote unit 300, and is normally empty.

  Here, a method of storing banknotes in the stacker and cassette at the time of deposit transaction and a method of feeding banknotes from the stacker at the time of withdrawal transaction will be described with reference to FIGS. 4A and 4B. The cassette in this example is a mixed denomination cassette described later.

  First, a method for storing banknotes in a stacker and a cassette during a deposit transaction will be described with reference to FIG. 4A. As shown in FIG. 4A, before the deposit transaction, banknotes are stored in each stacker and each cassette excluding the counting stacker 308, and banknotes are stored fully (full) in the cassette F309 and the thousand ticket stacker 307. Has been. When a deposit transaction is performed from this state, the deposited banknote is usually stored in a stacker corresponding to the denomination of the banknote to be deposited. That is, when the thousand yen bill is deposited, it is stored in the thousand ticket stacker 307. However, in the example shown in FIG. 4A, since the corresponding bill stacker 307 is in a full state, banknotes deposited into the cassette R310 that is empty in storage are stored, and the stored state is the state after the deposit transaction. Become.

  On the other hand, a bill feeding method from the stacker during a withdrawal transaction will be described with reference to FIG. 4B. As shown in FIG. 4B, before the withdrawal transaction, banknotes are stored in each stacker and each cassette excluding the counting stacker 308, and banknotes are fully stored in the cassette F309 and the stacker 307. When a withdrawal transaction is performed from this state, the withdrawal banknote is paid out from the stacker corresponding to the denomination of the banknote to be dispensed. That is, when the withdrawal of a thousand yen bill is made, a withdrawal bill is paid out from the thousand-ticket stacker 307, and the drawn-out state becomes a state after the withdrawal transaction.

  The cassette F309 and the cassette R310 are detachable, and are used for filling and collecting banknotes. Each storage spec is 2700 sheets, for example. Note that the number of cassettes and the storage specifications are not limited thereto. Further, the denomination of the banknotes stored in each cassette is not limited to one, and may be a mixed denomination including a plurality of denominations such as a thousand or 10,000 tickets. The seed can be selected, and for example, it can be set to a cassette dedicated to a thousand tickets.

  When the cassette F309 or the cassette R310 is removed from the ATM 10 by a bank clerk or the like for filling the banknote or collecting the banknote, and the cassette F309 or the cassette R310 is set to the ATM 10 again, the banknotes in the cassette and the stacker are counted. The number of banknotes stored in each cassette and stacker is determined. The determined number is set as the determined number, and the information is stored in, for example, the storage unit 22 described above.

  After that, for example, when there is a deposit transaction, the number of denominations of the deposited banknotes is added to the determined number of denominations, and the number after the addition is set as the logical number. It is stored in the storage unit 22 or the like. Also, when there is a withdrawal transaction, the number of denominations of the banknotes withdrawn is subtracted from the determined number of denominations, the number after deduction is taken as the logical number, and the information is, for example, as described above It is stored in the storage unit 22 or the like. The calculation of the logical number may be performed by, for example, the calculation unit 50 described later.

  The reject 311, the reject 312, and the reject 313 are boxes for collecting rejected banknotes that are discriminated from banknotes at the time of discrimination of banknotes that are forgotten at the time of withdrawal or banknotes at the time of withdrawal. Regarding the storage specifications of each reject, for example, the reject 311 has two types of storage boxes, each having 350 and 217 storage specifications, the reject 312 is a 350 storage specification, and the reject 313 is There are two types of storage boxes, each with 217 and 0 (no) storage specifications. Note that the storage specifications of each reject may be the same type.

  The cassette F replenishment reject unit 314 and the cassette R replenishment reject unit 315 are boxes for storing reject banknotes that are discriminated from banknotes when supplying banknotes from the cassette to the stacker. 50 sheets. The reject banknote in the box is collected by a bank clerk or the like when the cassette is filled with banknotes or when banknotes are collected from the cassette.

  The discrimination unit 316 discriminates the authenticity, state, and denomination of banknotes. The test ticket set unit 317 stores a test ticket for checking the conveyance path.

  Next, an example of the configuration of the ATM functional block will be described with reference to FIG. FIG. 5 is a functional block diagram of an ATM that performs currency exchange promotion processing. As illustrated in FIG. 5, the ATM 10 includes a calculation unit 50, a determination unit 51, a control unit 52, a storage unit 53, and a display unit 54. The ATM control unit 20 (CPU) described above mainly functions as the calculation unit 50, the determination unit 51, and the control unit 52, the storage unit 22 described above mainly functions as the storage unit 53, and the display unit 27 described above mainly functions as the display unit. 54 functions.

  The calculation unit 50 calculates the number of sheets that can be stored for a predetermined denomination (for example, thousand tickets). Specifically, first, the calculation unit 50 calculates the storable number of sheets that can be stored in a stacker that stores a predetermined denomination and a dedicated denomination or mixed denomination cassette (hereinafter also simply referred to as a cassette). In order to do this, for example, the determined number or logical number of stackers and cassettes stored in the storage unit 53 (the storage unit 22 described above) is acquired. When the deposit / withdrawal transaction is not performed after the cassette is set, the fixed number is acquired, and when the deposit / withdrawal transaction is performed after the cassette is set, the logical number is acquired.

  The calculation unit 50 calculates the number of each cassette from the number of sheets obtained by subtracting the determined number or the logical number from the storage specification of the stacker of the predetermined denomination (the number of sheets that can be stored in the stacker of the predetermined denomination) and the storage spec of each cassette. The number of sheets that can be stored (the number of sheets that can be stored in each cassette) obtained by subtracting the determined number or the number of logical sheets is added to calculate the number of sheets that can be stored in a predetermined denomination (the number of sheets that are available).

  The determination unit 51 determines whether or not the calculated number that can be stored is below a predetermined value (predetermined number). Here, the predetermined value is the number of deposit transactions that are reduced (for example, 200). Note that the number of sheets that can be stored can be changed by setting. The determination unit 51 performs determination based on, for example, the following formula (1).

Total number of target stackers / cassettes-Total number of sheets that can be stored ≥ Number of thousand stackers + Total number of cassettes F and cassettes R (1)
Here, the total number of target stackers / cassettes is the storage specifications (2700 sheets) of the target stacker (in this example, a thousand ticket stacker) and the storage specifications (2700 sheets and 2700 sheets) of the cassette F309 and the cassette R310. The total number is 8100. The number of thousand ticket stackers refers to the number of sheets currently stored in the thousand ticket stacker 307, and the number of cassettes F and R refers to the number of sheets currently stored in the cassettes F309 and R310, respectively.

  Note that the determination unit 51 determines whether or not the storable number is below a predetermined value, but may determine based on the storable capacity instead of the storable number. That is, the determination unit 51 may determine whether or not the storable capacity falls below a predetermined capacity (for example, 10% of the total storage capacity of the stacker and the cassette).

  The control unit 52 determines to display a currency exchange promotion screen for encouraging currency exchange using a predetermined denomination, that is, a thousand ticket, when the calculated number of storable sheets falls below a predetermined value (turns on the currency exchange flag). ), A money exchange promotion screen is displayed on the user operation unit 15 when a withdrawal transaction under a predetermined condition is performed. In addition, the control part 52 cancels the determination of the display of an exchange promotion screen, when the calculated storage possible number exceeds a predetermined value (turns the exchange flag OFF).

  Here, the exchange flag is switched on and off based on a predetermined value, but the exchange flag may be switched on and off based on different standards. That is, the exchange flag is turned on when the storable number falls below a predetermined value (for example, 200 sheets), and the exchange flag is turned on when the storable number exceeds a value (for example, 300 sheets) different from the predetermined value. May be turned off. Thereby, it is possible to reduce the processing load of the ATM 10 due to frequent switching of the exchange flag between ON and OFF when the storable number moves back and forth around a predetermined value.

  In addition, when the withdrawal transaction is selected by the user, the control unit 52 determines whether or not a predetermined withdrawal transaction condition is satisfied, for example, the input withdrawal amount is 10,000 yen or more and the exchange flag is ON. If the withdrawal amount is 10,000 yen or more and it is determined that the exchange flag is ON, a change promotion screen as shown in FIG. 6A is displayed on the display unit 54 (user operation unit 15). The display example shown in FIG. 6A is when the input withdrawal amount (withdrawal amount) is 35,000 yen, and up to 30 thousand yen bills can be exchanged. Three exchange buttons of 30 sheets and 1,000 yen are displayed. When the user wishes to exchange money, the user touches the desired exchange button and touches the confirmation button. Thereby, desired exchange is performed. If the user does not wish to exchange money, the user touches only the confirmation button. Thereby, normal cash discharge, that is, discharge of three 10,000 yen bills and five thousand yen bills, is performed without performing exchange.

  In addition, in order to promote the said exchange, you may make it the control part 52 display the exchange guidance display on the automatic machine subscreen 18 of ATM10, for example. Specifically, the control unit 52 displays a change guidance display such as “please change customers here” on the automatic machine sub-screen 18. Thereby, a user who wants to exchange money can be called in and exchange can be promoted efficiently. Further, the control unit 52 preferentially displays the exchange promotion screen on the display unit 54 based on information recorded corresponding to the inserted card, for example, information indicating that a large amount of exchange has been performed in the past. It may be. Further, a transaction fee may be discounted for a user who has exchanged money by touching the exchange button on the exchange promotion screen, and the discount rate may be changed according to the number of exchanges.

  On the other hand, when the control unit 52 does not determine that the withdrawal amount is 10,000 yen or more and the exchange flag is ON, the control unit 52 displays a display screen as shown in FIG. 6B on the display unit 54. The display example shown in FIG. 6B shows a normal withdrawal confirmation screen and shows that the inputted withdrawal amount of 35,000 yen is to be withdrawn. When the user touches the confirmation button on the displayed withdrawal confirmation screen, normal cash discharge, that is, three 10,000 yen bills and five thousand yen bills are discharged.

  Next, an example of the ATM processing flow at the time of deposit transaction will be described with reference to FIG. When the deposit transaction is selected by the user and the card or passbook is inserted, the ATM 10 accepts the card or passbook (step S701). After accepting the card or the passbook and then accepting cash inserted by the user, the ATM 10 performs primary discrimination (step S702). The primary discrimination is performed by the discrimination unit 316 described above, and the denomination and the number of the inserted banknotes are discriminated. In the primary discrimination, the inserted banknote is stored in the temporary holding unit 304 described above. After the primary discrimination, the ATM 10 confirms the amount of inserted cash (step S703).

  The ATM 10 communicates with the host computer (step S704), and if the host computer responds that there is no problem even if the deposit transaction is executed, the inserted cash is stored in the stacker or cassette (step S705). After storing the cash, the ATM 10 calculates the logical number (step S706) and returns the card or passbook (step S707). When the deposit transaction is completed, the ATM 10 calculates the above-described processing, that is, the number of storable sheets, and determines whether or not the calculated storable number is below a predetermined value (predetermined number) (step S708). If it is below (YES in step S708), the exchange flag is turned on (step S709), and if not below (NO in step S708), the exchange flag is turned off (step S710). Thereby, when the withdrawal transaction satisfying the predetermined withdrawal transaction condition is performed, the exchange promotion screen is displayed, so that the exchange can be promoted.

  Next, an example of the ATM processing flow during the withdrawal transaction will be described with reference to FIG. When the withdrawal transaction is selected by the user and the card or passbook is inserted, the ATM 10 accepts the card or passbook (step S801). When the ATM 10 accepts the card or passbook, the ATM 10 displays a screen for inputting a personal identification number on the user operation unit 15, accepts the personal identification number input by the user (step S802), and accepts the input withdrawal amount (step S803). ).

  The ATM 10 determines whether or not a predetermined withdrawal transaction condition is satisfied, that is, whether or not the withdrawal amount is 10,000 yen or more and the exchange flag is ON (step S804). If it is 10,000 yen or more and the exchange flag is ON (YES in step S804), the exchange promotion screen is displayed on the user operation unit 15 (step S805). For example, when accepting selection of exchange of 10 thousand yen bills from the user (step S806), the ATM 10 communicates with the host computer (step S807), and the host computer responds that there is no problem even if the withdrawal transaction is executed. If this happens, the cash to be withdrawn is counted (step S808), the banknote entrance 13 is opened, and the cash is discharged (step S809). After discharging the cash, the ATM 10 calculates the logical number (step S810) and returns the card or passbook (step S811).

  When the withdrawal transaction is completed, the ATM 10 calculates the above-described process, that is, the number of storable sheets, and determines whether or not the calculated storable number is below a predetermined value (predetermined number) (step S812). If it is below (YES in step S812), the exchange flag is turned on (step S813), and if not below (NO in step S812), the exchange flag is turned off (step S814). If it is determined in step S804 that the withdrawal amount is 10,000 yen or more and the exchange flag is ON (YES in step S804), the exchange promotion screen is displayed on the user operation unit 15 (step S805). . Thereby, when the withdrawal transaction satisfying the predetermined withdrawal transaction condition is performed, the exchange promotion screen is displayed, so that the exchange can be promoted.

  According to ATM10 mentioned above, increase in the management cost of ATM can be avoided by keeping the amount of banknotes in ATM at an appropriate amount and preventing the occurrence of degeneration of deposit transactions.

  In addition, although the above-mentioned content was for urging exchange at the time of withdrawal transaction in order to prevent the occurrence of degeneration of deposit transaction, it does not urge exchange, but compresses banknotes stored in a stacker or cassette. For example, the storage capacity of the stacker or the cassette may be secured to prevent the deposit transaction from being degenerated.

  In addition, even if it is possible to change to a thousand ticket, if there is a tendency to overdraw (if the number of denominations is extremely small), the exchange button should be hidden to prevent exchange. Thus, it is possible to secure the number of thousand tickets in the ATM 10. As a result, it is possible to suppress an increase in ATM management costs by suppressing the mobilization of bankers for banknote filling.

  In the above-described embodiment, the main processing of the ATM 10 has been described as being executed by software processing by the CPU. However, all or part of this processing may be realized by hardware.

  Further, the above-described embodiment is not limited to the above-described embodiment, and various changes can be made without departing from the gist of the embodiment.

10 ATM
DESCRIPTION OF SYMBOLS 11 Card entrance / exit 12 Passbook entrance / exit 13 Banknote entrance / exit 14 Coin entrance / exit 15 User operation part 16 Speaker 17 Automatic machine sub-display main body 18 Automatic machine sub-display 20 ATM control unit 21 Internal memory 22 Storage part 23 Card processing unit 24 Passbook processing unit 25 Banknote processing Unit 26 Coin processing unit 27 Display unit 28 Audio output unit 29 Host communication unit 50 Calculation unit 51 Judgment unit 52 Control unit 53 Storage unit 54 Display unit 300 Banknote unit 301 Shutter 302 Deposit / withdrawal unit 303 Return hold unit 304 Temporary hold unit 305 306 million ticket stacker 307 thousand ticket stacker 308 counting stacker 309 cassette F
310 cassette R
311, 312, 313 reject 314 cassette F replenishment rejection unit 315 cassette R replenishment rejection unit 316 identification unit 317 test ticket setting unit

Claims (8)

An automatic transaction device that automatically performs deposit and withdrawal transactions,
A calculation unit for calculating the number of storable sheets of a predetermined denomination;
A determination unit that determines whether the calculated number of storable sheets is less than a predetermined value;
A control unit that determines to display a currency exchange promotion screen for encouraging currency exchange with the predetermined denomination when it falls below, and displays the currency exchange promotion screen when a withdrawal transaction that satisfies a predetermined withdrawal transaction condition is performed. And
An automatic transaction apparatus comprising:   2. The automatic transaction apparatus according to claim 1, wherein the control unit cancels the display determination of the exchange promotion screen when the storable number exceeds the predetermined value.   2. The automatic transaction apparatus according to claim 1, wherein the control unit cancels the display determination of the exchange promotion screen when the storable number exceeds a value different from the predetermined value.   4. The calculation unit according to claim 1, wherein the calculating unit calculates the storable number of the predetermined denomination based on the storable number of stackers of the predetermined denomination and the storable number of cassettes. The automatic transaction apparatus as described in any one. A method for promoting currency exchange by an automatic transaction apparatus that automatically performs deposit and withdrawal transactions,
Calculating the number of storable sheets of a predetermined denomination;
Determining whether the calculated number of storable sheets is below a predetermined value;
Determining to display a currency exchange promotion screen for encouraging currency exchange with the predetermined denomination when the transaction amount falls below, and displaying the currency exchange promotion screen when a withdrawal transaction that satisfies a predetermined withdrawal transaction condition is performed; and The
A currency exchange promoting method characterized by comprising:   6. The exchange promotion method according to claim 5, further comprising a step of canceling display determination of the exchange promotion screen when the storable number exceeds the predetermined value.   6. The exchange promotion method according to claim 5, further comprising a step of canceling the display determination of the exchange promotion screen when the storable number exceeds a value different from the predetermined value.   In the step of calculating the storable number of the predetermined denomination, the storable number of the predetermined denomination is calculated based on the storable number of stackers of the predetermined denomination and the storable number of cassettes. The exchange promotion method according to any one of claims 5 to 7.

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