JP2560720B2 - Automatic money changer - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application The present invention relates to an automatic money changer, and more particularly to a pay automatic money changer.

(B) Summary of the Invention An automatic money changer according to the present invention reads a storage medium such as a card (for example, a cash card) carried by a customer, and reads the priority of the customer (deposit balance, deposit account, transaction period) read from the storage medium. Etc.) and a fee deciding means for deciding the exchange fee based on the data regarding Generally, the higher the customer's priority, the lower the price. As a result, the exchange process can be provided as a privilege to the customer, and the customer can be differentiated according to the priority of the customer.

(C) Background of the Invention At present, financial institutions are equipped with automatic money changers for exchanging high-value banknotes into small banknotes and coins. Currently, this device operates free of charge without identifying users, and is a service for all users.

However, there is a tendency in financial institutions to open the automatic money changer only to the customer in order to reduce the maintenance cost of the device and improve the service to the customer.

(D) Problems to be Solved by the Invention However, paying currency exchange even to own customers may lead to deterioration of customer service and cause a decrease in customers. Furthermore, it is necessary to differentiate from general automatic changer users according to the priority of the customer.

The present invention has been made in view of such a current situation,
An object of the present invention is to provide an automatic money changer capable of differentiating a customer from other users by determining a fee based on the type of deposit account owned by the user.

(E) Means for Solving Problems This invention is an automatic money changer that accepts a fee medium and exchanges the inserted cash into cash of a designated denomination, in which the customer installs the automatic money changer. A storage medium receiving means for receiving a storage medium storing data relating to whether or not to have an account with a financial institution, and a fee determining means for determining the amount of the fee based on the data of the received storage medium. It is characterized by that.

(F) Action The automatic money changer of the present invention is a storage medium such as a card in which data regarding whether or not a customer has an account of a financial institution that is the main body of installation of the automatic money changer is stored before performing the money change operation. I read the data from and decided the exchange fee based on this data. The exchange operation becomes possible when a fee medium such as an effect equivalent to the determined fee is put in. The exchange fee is generally set low for a customer who has an account with a financial institution that is the entity that installs the automatic money changer.

(G) Embodiment FIG. 2 is a perspective view showing the external appearance of an automatic money changer which is an embodiment of the present invention. On the vertical operation panel of the automatic money changer body, a handling indicator 32 that indicates whether or not it is being handled, a fee indicator 46 that displays the amount of the fee, an indicator that displays the operation unit such as the amount setting key and the exchange pattern, etc. And operation unit having a container
33, Hand scanner 36 in which the user scans his card 36
Etc. are provided. The horizontal operation panel has a coin outlet.
34, a packaging coin take-out port 35, a bill insertion / extraction port 37, etc. are provided. A packaging coin processing machine 42, a banknote processing machine 43 for processing the deposit and withdrawal of banknotes, a coin processing machine 44 for processing loose coins, and a control unit 4 in which the main control unit is housed in the automatic money changer body.
5 etc. are provided.

In order to perform a normal exchange transaction with this device, first, the transaction card of the user is scanned by the hand scanner 36 to read the card data, and the exchange fee is determined. This exchange fee is displayed on the fee indicator 46. When the displayed fee is input, the transaction indicator is displayed on the fee indicator 46. After this, the banknotes to be exchanged (hereinafter referred to as “exchange banknotes”) are inserted into the banknote insertion / extraction port 37. When a currency exchange pattern for the inserted amount of money is performed from the display operation unit 33, cash corresponding to the currency exchange pattern is discharged from the coin outlet 34, the packaging coin outlet 35, and the banknote inlet / outlet 37.

FIG. 3 is a block diagram of a control unit of the automatic money changer. This control unit includes a main control unit 10 for integrally controlling the operation of the entire apparatus and each operation unit 15 to 15 controlled by an auxiliary control unit.
22 and 22 are connected via an input / output interface 14 to form a so-called master-slave system. The main control unit 10 is an RO that stores a master CPU 11 and control programs.
It consists of M12 and RAM13. Further, the operation unit connected to the main control unit 10 via the input / output interface 14, the handling display unit 32, the display unit 15 including the display unit of the display operation unit 33, the input unit 16 including the amount setting key, Card reader 17 including the hand scanner unit 36, the fee processing machine
40, a fee processing unit 18 including a fee storage box 41, a coin processing unit 19 including the banknote processing machine 43, a coin processing unit 20 including the coin processing machine 44, and a packaging coin processing unit 21 including the packaging coin processing machine 42 And a transmission control unit that communicates with the center 23 via a line
22.

FIG. 4 is a diagram showing a schematic configuration of a magnetic card scanned by the hand scanner 36. This card is a common transaction card, the bank number from the beginning of the magnetic stripe 80
81, branch number 82, customer account number 83, account type data 84, and deposit balance data 85 for offline transaction are stored. The customer priority can be determined as follows, for example.

Do you have your own account? Do you have a time deposit account? Is your deposit balance above a certain amount? The customer priority is determined by combining one or more of such requirements.

FIG. 1 is a flow chart showing the operation of the automatic money changer. n1 is 100, which is the fee for general users
Yen is set as a commission. Wait until the transaction card is scanned or the fee (100 yen) is charged at n2 and n3.

When the transaction card is scanned, the card data is buffered (n4), and the following contents are judged at n5 to n7. Whether your transaction card is your own (n5), whether your time deposit account is open (n6), your offline balance is 10
Whether it exceeds 10,000 yen (n7) Offline Customers who meet all the conditions are judged to have extremely high priority,
Currency exchange transactions are opened free of charge. A fee of 20 yen will be charged to customers who scan their own transaction cards (n9), of which 10 will be charged to customers who have a time deposit account.
It is considered as a circle (n10). In addition, a fee of 50 yen will be charged to customers who have scanned the cards of other banks as it is only possible to identify the customer (n8).

It was set when the fee of 100 yen was put in with n3 (5
When a fee of 0 yen or 10 yen is input (n11) or when the fee is free, proceed to the currency exchange processing operation (n21 or less).

Below n21 is the normal exchange transaction processing operation. In n21, the fact that the transaction is possible is displayed on the fee indicator 46, and the insertion of the exchange bill is accepted from the bill insertion / ejection port 37 (n22). When the currency bill is inserted, the setting of the currency exchange pattern corresponding to the amount is accepted (n23), and the cash corresponding to the currency exchange pattern is paid out from the banknote processing unit and the coin processing unit (n24),
Discharge from each outlet (n25). After that, the inserted currency bills are stored (n26), transaction end processing (n27) such as re-initialization of each operation unit is performed, and then the process returns to n1.

The card readers 17 and n2, n4 correspond to the card receiving means of the present invention, and n5 to n10 correspond to the fee determining means of the present invention.

(H) Effects of the Invention As described above, according to the present invention, by reading the data regarding whether or not the customer has an account at the financial institution that is the installation subject of the automatic money changer, from the storage medium such as a card, The exchange fee can be determined based on the data. Generally, the exchange fee may be set to be low for a customer who has an account at a financial institution that is the entity that installs the automatic money changer. As a result, the exchange transaction can be opened as a privilege for customers who have an account, and it is possible to differentiate from customers who do not have an account. Also,
As a result, it is possible to quickly introduce a charge for the automatic money changer and secure maintenance costs.

[Brief description of drawings]

FIG. 1 is a flow chart showing the operation of an automatic money changer according to an embodiment of the present invention. FIGS. 2 and 3 are perspective views showing the appearance of the automatic money changer and a block diagram of a control unit.
The figure is a diagram showing a schematic configuration of a transaction card possessed by a user of the automatic money changer. 17 …… Card reader, 36 …… Hand scanner, 80 …… Magnetic stripe.

Claims (1)

(57) [Claims] 1. An automatic money changer that accepts a fee medium and exchanges the inserted cash into cash of a designated denomination, and whether or not the customer has an account with the financial institution that is the entity that installs the automatic money changer. An automatic money changer, comprising: a storage medium accepting means for accepting a storage medium storing data relating to the above; and a fee determining means for determining the amount of the fee based on the accepted data of the memory medium.