JP3686740B2 - Electronic money handling method and automatic cash handling apparatus in automatic cash handling apparatus - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an electronic money for performing at least one of deposit, withdrawal, cash conversion, and transfer using a card storing electronic money in an automatic cash handling apparatus (or automatic cash transaction apparatus). of Handling method and automatic cash handling equipment About.
[0002]
[Prior art]
Systems have been proposed that use electronic money instead of cash. In this system, the purchase price is paid in electronic money instead of cash. Unlike cash, no change is generated, so there is no need for the store to prepare change in advance, and no change in delivery occurs. For this reason, it becomes possible for customers and stores to trade more conveniently than cash payments.
[0003]
As an electronic money system, for example, the “Mondex system” proposed by Mondex International of UK, DigiCash B. V. Has proposed "Ecash". Several other methods have been proposed, but each method differs from the credit method in that electronic money corresponding to cash is first prepared and paid from the prepared electronic money. The preparation of electronic money is, for example, that electronic money is drawn out from a bank and stored in an electronic money card so that cash is drawn out from the bank.
[0004]
As an electronic money card, for example, a card that stores electronic money and is configured by an integrated circuit (IC) has attracted attention. Although this invention is not limited to this, embodiment is described as an example. Hereinafter, this card is called an integrated circuit card for electronic money, an IC card for electronic money, or simply an IC card. When these IC cards for electronic money and other electronic money cards are collectively called, they are simply called electronic money cards.
[0005]
Electronic money cards need to have a function to prevent unauthorized transactions. For this reason, the IC card for electronic money includes, for example, a microprocessor having a communication function and a memory such as an EEPROM for storing a processing program and the balance of the electronic money. In order to prevent illegal transactions, there is a method in which a dedicated IC is provided so that the remaining amount of electronic money held in the electronic money IC card cannot be illegally rewritten. Further, for example, in the “Mondex system”, illegal use is prevented by transferring electronic money only between the IC card and the IC card.
[0006]
[Problems to be solved by the invention]
The electronic money system proposed above is still under development because it is not yet determined what functions and forms each device constituting the system should have.
[0007]
A system using electronic money has many problems to be solved. Also, in terms of social life, sudden changes cause a lot of confusion. Economic activities that use cash have problems, but are also superior to economic activities that use electronic money. Therefore, it is unlikely that cash will suddenly be replaced with electronic money. It is thought that economic activities will be carried out in the form of coexistence by utilizing the advantages of electronic money and cash.
[0008]
The user will use both cash and electronic money. For this reason, it is very inconvenient if cash uses a handling device that handles only cash and electronic money uses a handling device that handles only electronic money. It is necessary to be able to handle electronic money with an automatic cash handling apparatus.
[0009]
Accordingly, an object of the present invention is to provide a cash withdrawal machine from a bank account, a cash deposit machine to a bank account, or a device such as a machine having both functions (hereinafter collectively referred to as an automatic cash handling apparatus or a cash machine). In order to perform at least one function (hereinafter referred to as “transaction”) such as deposit, withdrawal, cash transfer, transfer, etc. with electronic money Handling method and automatic cash handling equipment Is to provide.
[0010]
A more specific object of the present invention is to provide an electronic money handling method that allows a user to select and use both a cash card that handles cash and an IC card that handles electronic money in an automatic cash handling apparatus. Automatic cash handling equipment Is to provide.
[0011]
In order to achieve the above object, the present invention provides an electronic money handling method in an automatic cash handling apparatus capable of handling cash deposits,
(A) Menu showing transaction items such as deposit, withdrawal, balance inquiry Display selectable Steps,
(B) Select whether the money to be handled is cash or electronic money To display Steps,
(C) Cash card when cash is selected And accepts the selected menu and executes the selected menu transaction with the specified financial account Steps,
(D) When electronic money is selected, for electronic money IC card Is inserted into the IC card reader / writer, and the electronic money IC card inserted into the IC card reader / writer is controlled with respect to the inserted electronic money IC card. Executing a transaction for the selected menu and It is characterized by having.
[0012]
In addition, the present invention relates to a method for handling electronic money in an automatic cash handling apparatus capable of handling cash deposits.
(A) a step of accepting insertion of an IC card containing electronic money into an IC card reader / writer;
(B) displaying a message prompting selection of cash to electronic money or electronic money to cash;
(C) Either cash from cash to cash or cash to cash of Choice Accept Steps,
(D) Amount to be exchanged Prompts you to enter and accepts the amount entered Steps,
(E) The electronic money corresponding to the amount is IC Withdraw cash from the card or cash corresponding to the amount IC Deposit money Processing is executed by a function program that controls the withdrawal and insertion of electronic money provided in the IC in the IC card reader / writer. And a step.
[0013]
Furthermore, the present invention provides An automatic cash handling apparatus capable of handling both cash and electronic money, Cash in / out device When , Cash reader When , Display device When Operation device When , Cash card reader When , Printer When , Electronic money was stored IC Card reader / writer When Communication means between financial institutions and electronic money issuing organizations The IC card reader / writer has an IC therein, and the IC card has a function program for controlling the insertion and withdrawal of the electronic money of the IC card. It is characterized by that.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an automatic teller machine according to the present invention will be described in more detail with reference to some embodiments shown in the drawings. In the second and subsequent embodiments of the invention, differences from the first embodiment of the invention will be mainly described. In the following description, the same reference numerals represent the same or similar items.
[0016]
<Embodiment 1 of the Invention>
(A) Outline of electronic money system
The electronic money system shown in FIG. 1 includes a bank sales system 1, a distribution system 2 provided in a large store such as a department store, a supermarket, a personal computer 32 as an end user system 3, an IC card telephone 34, a vending machine system 4, and the like. These are connected to the public communication network 7. In the illustrated example, one representative system is shown, but a large number of systems can be connected to the public communication network 7. The bank office system 1 is connected to the bank computer center 5 through a dedicated line 70 or the like, and the electronic money issuing organization 6 is connected to the bank computer center 5.
[0017]
In the bank store system 1, a window terminal 12 and an automatic teller machine 14 are connected to each other via an internal communication line 13 and further connected to a bank computer center 5 via a relay computer 17. For electronic money settlement, the IC card reader / writer 11 is provided in the window terminal 12, and the automatic teller machine 14 includes an IC card reader / writer 182 (FIG. 3). Is connected to an electronic safe 15 via an electronic money transaction control terminal 16.
[0018]
The bank computer center 5 includes a billing system host 51 and a circumscribing system 52, and the circumscribing system 52 includes a circumscribing system control terminal 53, a relay computer 17, and an electronic safe 15.
[0019]
The IC card 10 is distributed from the electronic money issuing organization 6 to banks, shops, vending machines, individuals, etc. participating in the system, and the bank receives electronic money in exchange for cash that is normally distributed, It is stored in the electronic safe 15 provided in the external system 52. The electronic vault 15 stores a large number of IC cards 10 therein, and each card 10 stores electronic money received from the electronic money issuing organization 6. The electronic money stored in the IC card in the electronic safe 15 in the external system 52 is further distributed to the IC card 10 in the electronic safe 15 in the bank office system 1 installed in each bank office.
[0020]
An individual as an end user who participates in the electronic money system possesses a distributed IC card 10 and uses an automatic teller machine 14 to exchange a deposit in his / her bank account with electronic money and withdraw it. It can be stored in its own IC card 10.
[0021]
When the electronic money is withdrawn, the IC card held by the individual is connected to the IC card in the electronic safe 15 in the bank office system 1 via the automatic teller machine 14. Then, under the control of the electronic money transaction control terminal 16, the electronic money stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is stored in the IC card 10 possessed by the individual. . At this time, the balance of the electronic money stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is reduced by the amount stored in the IC card 10 possessed by the individual. In this embodiment, a cash card is used together with this withdrawal. In the second embodiment to be described later, it is not necessary to use this cash card together. Further, the withdrawal of the deposit from the personal account with the automatic teller machine 14 by the cash is performed by using a cash card in the same manner as conventionally performed.
[0022]
(B) Automatic teller machine 14
As shown in FIG. 2, the automatic teller machine 14 includes a passbook insertion slot 141 for inserting a bankbook, a display panel 142 displaying branch information, an cash card, a transfer card, an IC card storing electronic money, and the like. A card insertion slot 143 for inserting a card, a bill insertion / discharge slot 144, a coin insertion / discharge slot 145, a touch panel 146 for instructing necessary processing, and a state in which an automatic teller machine can be used by detecting that a person has approached The main body 140 is provided with a sensing device 147, and a coin erroneously inserted / discharged receptacle 148 that discharges erroneously inserted coins, illegal coins, and the like.
[0023]
The detailed structure of the automatic teller machine 14 is shown in FIG. A read-only memory 164, a random access memory 166, and a number of circuits and devices described below are connected to the control microprocessor 162 via a bus 163. This automatic teller machine 14 has an IC card reader / writer 182 in the card reader / writer device 183 that reads the contents of the IC card 10 and writes information therein, as will be described later with reference to FIG. The read-only memory 164 is characterized in that a program for controlling operations of various devices and circuits constituting the device 14 is recorded in the read-only memory 164 so as to execute transactions using cash and an IC card to be described.
[0024]
Currently, electronic money cards with various structures have been proposed. In particular, some cards have a bank identification number and account number with the user's bank account, and some do not. In economic activities where cash and electronic money are used in combination, even if the bank identification number and account identification number are stored on the electronic money card, the account specified by the stored bank identification number and account number is stored. It is necessary to withdraw money from a different account, such as a bank account handling a conventional cash card, and receive it in electronic money. On the contrary, it is also necessary to deposit electronic money and deposit it in a normal deposit account.
[0025]
In this embodiment, the present embodiment is also characterized in that a conventional cash card is used in combination for inputting a bank identification number and an account number.
[0026]
The touch panel 146 instructs the user to input information by operating the position on the display screen. The touch panel 146 is provided on the display surface of the display device 146A composed of, for example, a CRT, The touch panel operation unit 146B is used to detect a position designated by a user on the screen by pressing or the like. The CPU 162 displays guidance information for the user or a plurality of menus or buttons to be selected by the user on the display device 146A according to the program in the ROM 164. When the user indicates the position of the displayed menu or button on the touch panel operation unit 146B, the touch panel operation unit 146B detects the position, and the CPU 162 indicates the user indicated by the position detected according to the program in the ROM 164. The contents of the instruction are determined and captured.
[0027]
The cash card reader / writer 184 reads or writes the contents of a cash card that has been created in advance with a bank. The bill reading device 174 reads bills, counts them, and calculates the amount of money. A bill inserted into the bill insertion / discharge port 144 is supplied to the device by the bill carry-in / discharge device 172 or a bill to be discharged from the cash storage 173. The bill carry-in / discharge device 172 is also used to discharge the bill to be discharged from the bill reading device 174 to the bill insertion / discharge port 144. The coin reading device 174 and the coin insertion / ejection device 176 perform the same operation with respect to the coins that are inserted into or discharged from the coin insertion / discharge port 145.
[0028]
The passbook carry-in / out device 180 is set so that it can be printed by the printer 188 after the passbook inserted into the passbook insertion port 141 is conveyed to the passbook reading device 181. Further, the passbook printed by the printer 188 is discharged from the passbook insertion port 141. The printer 188 prints the account balance, the withdrawal amount, etc. on this passbook. The bankbook reader 181 reads the bank identification number and account number recorded on the magnetic stripe usually attached to the back of the bankbook. When the user does not input the cash card, the CPU 162 uses these items read from the passbook. The communication port 168 and the modem circuit 170 exchange information with other devices via the communication line 7.
[0029]
(C) IC card reader / writer
A detailed circuit of the IC card reader / writer 182 is shown in FIG. In the figure, except for IC CARD LOADER 331, connector 3305, and power supply voltage stabilization circuit 3318, a single IC is used. Since this IC circuit has a program of a function for controlling the insertion and withdrawal of the currency of the IC card 10 in the IC, it prevents unauthorized operations such as operating the IC card 10 in an unauthorized manner and changing the money balance. it can. This is one of the improvements. In other words, the CPU 162 in FIG. 3 instructs the CPU 3315 to process the electronic money, but the electronic money cannot be specifically put into and out of the IC card 10. A specific program for processing electronic money is stored in the ROM 3310 and the ROM 3313, and is processed by the CPU 3315 in accordance with this program. Since the ROM 3310, the ROM 3313, and the CPU 3315 are formed in one IC, it is almost impossible to decipher this program.
[0030]
Reference numeral 330 denotes a main body of the IC card reader / writer 182, which includes a loading control circuit 3304, a connector 3305, an IC card activation control circuit 3306, a clock generation circuit 3307, a reader / writer control circuit 3311, a ROM 3310, a data extraction circuit 3311, A main program ROM 3313, RAM 3314, CPU 3315, IC card check data storage unit 3316, and power supply voltage stabilization circuit 3318 are included.
[0031]
The IC card reader / writer 182 has a loading control circuit 3304 which is a control circuit for pulling the IC card 10 into the main body 330 and inserting and fixing the IC card 10 into the IC CARD LOADER 331, whereby the IC card 10 is placed at a predetermined position. Fixed. At this position, the connector 3305 is connected to the terminal of the IC card 10, and power and a clock are supplied to the IC card 10 from the clock generation circuit 3307 and the IC card activation control circuit 3306. Subsequently, a reset signal is sent, and the CPU 104 in the IC card 10 shown in FIG. That is, the IC card 10 is activated.
[0032]
The CPU 3315 reads ID data indicating the information type stored in the IC card 10 from the IC card 10 through the connector 3305, the reader / writer control circuit 3308, and the data extraction circuit 3311. These operations are performed according to the ISO standard by a program stored in the ROM 3310. The programs stored in the ROM 3310 include, for example, format exchange for matching the IC card and data input format with the protocol of the IC card, an IC card activation procedure, and a read / write procedure with the IC card.
[0033]
The CPU 3315 compares the ID data read from the IC card 10 with the contents of the IC card check data storage unit 3316 (card check data and electronic money program ID), and the electronic money information is stored in the IC card 10. Check if it is. When it is confirmed that the electronic money information is stored in the IC card 10, the IC card reader / writer 182 becomes operable by a program stored in the main program ROM 3313, and processing is performed by this program. That is, the electronic money is stored in the IC card 10, the electronic money is drawn out from the IC card 10, and the history is read out from the IC card 10. These processes are performed based on commands from the CPU 162 in FIG.
[0034]
(D) IC card 10
FIG. 5 shows a block diagram of the IC card 10. This block diagram is made up of one independent IC circuit for the purpose of preventing unauthorized use of electronic money. Connection to the outside of the IC circuit is made by a contact 103. The contact 103 is connected to the connector 3305 of the IC card reader / writer 182.
[0035]
Reference numeral 104 denotes a CPU, 105 denotes an EEPROM, and 106 denotes a ROM. The IC card 10 in which electronic money is stored has a contact unit 103 for exchanging signals, power, clocks and reset signals with the outside, a CPU 104 for controlling the operation of the IC card 10, and a program for the CPU 104. A ROM 106 to be stored and a rewritable memory for holding data such as electronic money, for example, a memory such as an EEPROM 105 are provided.
[0036]
The CPU 104 performs protocol control for inputting / outputting data according to the ISO standard and encryption processing according to a program stored in the ROM 106. Further, as necessary functions of the electronic wallet, information such as the amount of money held in electronic money, history information on payment and withdrawal of currency, and the like are written into the EEPROM 105 by the CPU 104. The holding amount information is used as a holding amount of electronic money, and the history information is read and printed in response to a user request, and is used for confirming a user transaction. When the bank and account number are recorded on the IC card 10, they are recorded on the EEPROM 105. Also, a password for confirming whether or not the person who is using and using is a correct user is recorded in the EEPROM 105, and can be freely changed when the user feels that the change is necessary. The ROM 106 stores ID data indicating the type of information. This data is compared with the ID data stored in the IC card check data storage unit 3316 in FIG. 4 to determine whether the IC card 10 is the correct card. Check if.
[0037]
Locking / unlocking is known as one of essential functions for protecting the security of the IC card 10. This is intended to prevent anyone other than a legitimate user from withdrawing electronic money from the IC card 10, and the user can use an appropriate lock device (see FIG. The IC card can be locked by inserting the IC card into (not shown). Unlocking is performed using the same device and using the user's PIN. As will be described below, in the present embodiment, the automatic teller machine 14 can also unlock a locked IC card. When the IC card is locked, a flag indicating that is recorded in the EEPROM 105. Although it is not possible to withdraw electronic money or read the history from a locked IC card, it is possible to store additional electronic money on the card or to check the balance of electronic money already stored in the card. For this reason, when there is an access from the outside, the CPU 104 in the IC card determines whether or not the card is locked and then controls whether or not to execute the access.
[0038]
(E) Device operation
Next, processing operations of various usage forms of the automatic teller machine 14 will be described. The operation of this device described below is realized by the CPU 162 (FIG. 3) controlling various circuits and devices in accordance with programs in the ROM 164. In addition, the device 14 displays guidance information or a plurality of menus or buttons to be selected on the touch panel 146 when prompting the user to input or operate specific information. However, in the following description, when the guidance information or menu to be displayed when the device 14 requests a user to perform an operation is clear, the guidance information or the menu is not explained and the use performed after the display is performed. Only the user's operation may be described.
[0039]
(E1) Deposit
The operation of the apparatus and the operation of the user when the user deposits electronic money in the IC card into his / her bank account will be described with reference to FIG.
[0040]
(1) First, a plurality of menus representing various handlings are displayed on the touch panel 146 in the initial state, and the user is instructed to select one of them. As for these menus, a common menu is used for one transaction regardless of whether cash, an account, or electronic money is used. Thereby, the user can use these various currencies in the same manner as the conventional operation procedure. Here, a menu representing “deposit” is selected (step 402). In order to give the above instruction to the user, one or a plurality of guide methods known in the art are used. For example, the instruction content is displayed on the touch panel, the menu displayed on the touch panel or the display of a location on the screen related thereto is blinked, or the instruction content is notified to the user by voice. This is the same even when other operations are instructed to the user in various procedures described later.
[0041]
(2) When “deposit” is selected, a menu representing cash and electronic money is displayed on the touch panel 146, and the user is instructed to select which money is to be used for depositing ( Step 404). In this case, deposit by electronic money is selected. By this selection, the process proceeds to step 406. Before that, the procedure from step 426 to 440 will be briefly described.
[0042]
The procedure from Steps 426 to 440 is the same as the deposit operation with cash that is performed by a conventional automatic teller machine. That is, the user is instructed to designate a bank account. Specifically, the user is instructed to insert a cash card prepared in advance by a bank into the card insertion slot 143 (step 426).
[0043]
The inserted cash card is conveyed to the cash card reader / writer 184, and the identification number and account number of the user's bank are read from this card. Instead of a cash card, the user may be instructed to input a bank identification number or an account number using a numeric keypad (not shown) or a numeric keypad displayed on the touch panel 146. The user may insert the passbook of the account into the passbook insertion port 141 in addition to the cash card. When the user inserts a bankbook, the insertion of a cash card can be made unnecessary. This is because the account number recorded on the magnetic stripe attached to the bankbook can be read and used by the book reader 181.
[0044]
Next, in order to confirm the legitimacy of the user, the user is instructed to input a personal identification number as a personal identification code (step 428), and the legitimacy of the user is confirmed from the account number and the personal identification code. However, when the user uses the bankbook, the input of the personal identification number and the confirmation of the validity of the user based on the password can be omitted in the case of deposit. When the legitimacy of the user is confirmed or when the confirmation is omitted, the user is instructed to insert the cash to be deposited from the bill insertion slot 144 (step 434).
[0045]
The inserted cash is mechanically counted by the bill reading device 174 (FIG. 3), and the amount is calculated and displayed on the touch panel 142. The user confirms whether the amount is correct, and if the amount is correct, instructs the user to press the confirmation button in step 436. When this button is pressed, the deposit procedure is started. Specifically, the amount of banknotes inserted, the bank identification number and account number read from the cash card are sent via the bank office system 1 and the dedicated line 70 via the communication port 168 and the modem port 170. The computer in the bank computer center 5 is notified, the deposit is recorded in the account of the account number, and the balance is updated. The cash input by the user is stored in the cash storage 173. If a passbook is inserted, the transaction is recorded in the passbook, the deposit amount and the final balance of the user's account are printed on the statement, and the inserted cash card and statement are discharged (step 438). By performing these steps, cash transfer is completed (step 440).
[0046]
(3) When the user selects the electronic currency in step 404, the user is instructed to designate the bank and the account number to which the electronic money is transferred (step 406). This designation is performed in the same manner as in step 426. Normally, the user is instructed to enter a cash card. Even when the IC card is used in this way, the conventional cash card is used in combination with the bank identification number and the account number to specify the IC card that does not hold the information and the IC that holds the information. This is so that electronic money can be deposited in exactly the same procedure regardless of which card is used. Furthermore, in economic activities that use both cash and electronic money, it is necessary to transfer the electronic money of the IC card to a cash card account different from the bank account specified by the bank identification number and account number stored in the IC card. This is because it occurs.
[0047]
When electronic money is transferred to the bank account specified by the bank identification number and the account number recorded on the IC card, the IC card 10 is inserted before step 406 as described in the second embodiment. Since the bank identification number and the account number are read from the IC card 10 and the bank account is designated by these numbers, step 406 is omitted. Hereinafter, information for specifying an account, such as a combination of a bank identification number and an account number stored in a cash card or IC card, may be referred to as account identification information. Further, when this information is stored in the card, it may be said that the bank account is stored in the card.
[0048]
Next, the user is instructed to input a password, and the legitimacy of the user is confirmed from the designated account number and password (step 408). The exception processing when the user inserts the bankbook is the same as that in the case of depositing with cash described above with respect to step 428. When the validity of the user is confirmed, the user is instructed to insert the IC card containing the electronic money into the card insertion slot 143 (step 410). The inserted IC card 10 is conveyed to the IC card reader / writer 182 (FIG. 3).
[0049]
(4) The IC card possessed by the user is either installed in advance in a banking store or can be unlocked by the user so that electronic money stored in the IC card can be withdrawn ( It is necessary to release the lock using (not shown). When the IC card is inserted into the automatic teller machine 14, it checks whether or not this card is locked, and if it is locked, displays that fact on the touch panel 146, Request a lock from the user. If the IC card is not unlocked, the user unlocks the IC card by inputting the user's password using a numeric keypad (not shown) or a numeric keypad displayed on the touch panel 146 (step 412). ).
[0050]
(5) In the next step 414, the user inputs the amount to be transferred from the card 10 to the bank account. The amount entered is displayed. It is confirmed whether or not there is an error in this amount, and a confirmation button is pressed in step 416. When there is a confirmation display on the touch panel 146, confirmation information is input by designating the display portion. If an amount larger than the amount held on the card 10 is input at step 414, an input error is displayed and a display for further instructing correction is displayed. In this case, the user needs to input a correction on the touch panel 146 or input a correction using a dedicated correction button, and input the amount again. With the above operation, the operation of depositing money is completed.
[0051]
(6) In the automatic teller machine 14, the CPU 162 (FIG. 3) thereafter withdraws the electronic money of the amount designated by the user from the electronic money in the IC card 10 via the IC card reader / writer 182. The withdrawn electronic money is transferred to the electronic currency transaction control terminal 16 via the communication port 168, the modem circuit 170 and the internal communication line 13 in the bank office system 1 under the control of the CPU 162. It is further transferred to the electronic safe 15 in the system 1 under the control. The automatic teller machine 14 further performs a deposit process to the user's account. The device operation at this time is the same as that described for the case where there is an input by cash.
[0052]
(7) Next, in step 417, a confirmation message as to whether or not to lock the card 10 again is displayed on the touch panel 146. The user can choose to lock here or leave it unlocked. There is no problem even if this step is not required, but it is more convenient for users who want to lock for safety.
[0053]
(8) The automatic teller machine 14 then records the transaction in the bankbook if a bankbook is inserted, and if the bankbook is not inserted, the same transaction as described above. A statement is created, and the IC card and the passbook or cash card and statement are discharged. The user receives these and ends the processing (steps 418 and 420).
[0054]
(E2) Withdrawal
With reference to FIG. 7, a process of withdrawing money from an account to an IC card that stores electronic money will be described.
[0055]
(1) First, a plurality of menus representing various transactions are displayed on the touch panel 146 in an initial state, and the user is instructed to select one of them. Here, “withdrawal” is selected (step 501).
[0056]
(2) The user is instructed to insert a cash card into the card slot, and if the bank book needs to be booked, the user is instructed to insert the bankbook into the slot. Input is performed (steps 502 and 503). The processing in steps 502 and 503 is the same as the case of depositing with cash or depositing with electronic money as described above. However, even if the user uses a bankbook, the input of a personal identification number cannot be omitted.
[0057]
(3) If the validity of the user can be confirmed, the user is instructed to input the amount of electronic money to be stored in the IC card, the user confirms the displayed amount and presses the confirmation button. (Steps 504 and 505).
[0058]
(4) After step 505, the touch panel 146 displays a message for selecting whether to withdraw cash or to store electronic money in an IC card. Here, since it is assumed that electronic money is withdrawn into the IC card, “electronic money” is selected (step 506). If “cash” is selected here, the subsequent operation of the apparatus and the operation of the user are the same as those of a conventional automatic teller machine and are not shown. Specifically, after step 436 in FIG. 6 is executed, cash is discharged, and step 438 is further executed.
[0059]
(5) When “electronic money” is selected in step 506, the cash card is ejected. Next, the user is instructed to insert an IC card storing electronic money into the card insertion slot 143 (steps 507 and 508).
[0060]
(6) The automatic teller machine 14 processes the withdrawal from the account and stores the electronic money in the IC card. The process of withdrawing from the account is the same as in the case of depositing into the account. The electronic money stored in the IC card is automatically deposited and paid from the electronic safe 15 of the bank office system 1 under the control of the electronic currency transaction control terminal 16, contrary to the case of depositing from the IC card described above. And is stored in the IC card 10 by the IC card reader / writer 184 under the control of the CPU 162. The touch panel 146 displays that the electronic money has been stored in the IC card. When the user confirms this, the IC card is ejected and if a bankbook is inserted, the transaction is recorded in the bankbook, and if only the cash card is inserted, the transaction is recorded. The IC card and the passbook or the statement are discharged (step 509). The user receives these and ends the process (step 510).
[0061]
In FIG. 7, it is not necessary to unlock the IC card performed in step 412 of FIG. This is because when electronic money is stored in an IC card, processing can be performed even when the IC card is locked. This is the same when the unlock process is not explained in other processes described later.
[0062]
The processing of FIG. 7 is performed when the bank identification number and the account number are not recorded on the IC card, or from the account specified by the cash card other than the account specified by the bank identification number and the account number recorded on the IC card. Indicates the case of withdrawing money. When withdrawing electronic money from the account specified by the bank identification number and the account number recorded on the IC card, the IC card is inserted before step 502 as described in the second embodiment, and step 502 is skipped. To do. Thus, the account designation is performed by reading the bank identification number and the account number from the IC card. Steps 503, 504, 505, 506, 509, 510 are as described in FIG. On the other hand, steps 507 and 508 are skipped.
[0063]
(E3) Balance inquiry
With reference to FIG. 8, the process of confirming the balance of electronic money in the IC card for storing electronic money will be described.
[0064]
(1) First, a plurality of menus representing various transactions are displayed on the touch panel 146 in an initial state, and the user is instructed to select one of them. Here, “Balance inquiry” is selected (step 602).
[0065]
(2) When “Balance inquiry” is selected as a function, a display is displayed on the touch panel 146 as to whether to check the balance of cash in the bank account or the inquiry of the balance of electronic money held in the IC card 10. When “account balance” is selected, in order to specify a bank account as before, the user is instructed to insert a cash card in step 616, and the user is requested to enter a personal identification number in step 618. To instruct. In step 620, the balance of the bank account is displayed. In step 622, the user confirms the balance and inputs confirmation. The inserted cash card is discharged, and the user receives a series of account balance confirmations (step 626). If it is desired to know the balance of the bank account recorded on the IC card, the IC card is inserted in place of the cash card at step 616. Steps 618, 620, and 622 perform similar processing. This makes it possible to know the account balance of the bank account recorded on the IC card. In this case, the IC card is taken out in step 624.
[0066]
If the inquiry about the balance of electronic money in the IC card 10 is selected in step 604, the process proceeds from step 604 to step 606.
[0067]
(3) The user is instructed to insert the IC card into the card insertion slot (step 606).
[0068]
(4) The automatic teller machine 14 reads and displays the balance of the electronic money in the IC card (step 608).
[0069]
(5) When the user confirms this and presses the confirmation button, the IC card is ejected, the IC card is received, and the process is terminated (steps 610 and 612).
[0070]
(E4) Cash (1)
With reference to FIG. 9, a process of inserting cash, converting a required amount into electronic money and storing it in an IC card will be described.
[0071]
(1) First, a plurality of menus representing various transactions are displayed on the touch panel 146 in an initial state, and the user is instructed to select one of them. Here, “cash” is selected (step 701).
[0072]
(2) When “Cash” is selected as the transaction, the touch panel 146 displays whether cash is converted into electronic money or electronic money in the IC card is converted into cash. Here, since cash is converted into electronic money, “cash to electronic money” is selected (step 702).
[0073]
(3) The user is instructed to insert the IC card into the card insertion slot, and the user is instructed to input the amount to be exchanged (steps 703 and 704).
[0074]
(4) Next, the entered amount is displayed, and the user confirms the displayed exchange amount and presses the confirmation button, and deposits the cash into the bill insertion / discharge port 144 and the coin insertion / discharge port 145. (Steps 705 and 706).
[0075]
(5) The automatic teller machine 14 counts the deposited banknotes and coins, displays the deposit amount, and if the user confirms this, stores the electronic money of the entered exchange amount in the IC card. Processing is performed by the IC card reader / writer 184 under the control of the CPU 162 (step 707). The difference between the amount of cash inserted and the converted amount is calculated, a statement is created, and the IC card, change, and statement are discharged. The user receives these and ends the processing (step 708).
[0076]
(E5) Cash (2)
With reference to FIG. 10, a process of receiving electronic money stored in the IC card by cashing it will be described.
[0077]
(1) First, one is selected from a menu representing various transactions displayed on the touch panel 146 in the initial state. Here, “cash” is selected (step 801).
[0078]
(2) When “Cash” is selected as the transaction, the touch panel 146 displays whether cash is converted into electronic money or electronic money in the IC card is converted into cash. Here, since it is assumed that the money is converted from electronic money to cash, “electronic money to cash” is selected (step 802).
[0079]
(3) The user is instructed to insert the IC card into the card insertion slot (step 803).
[0080]
(4) If the IC card is not locked, this is notified to the user, and the user is instructed to unlock the IC card (step 804). The operation of the apparatus and the operation of the user at this time are the same as those in step 412 (FIG. 6) described regarding withdrawal.
[0081]
(5) The user is instructed to input the exchange amount. The entered exchange amount is displayed and the user is instructed to confirm the amount. For example, the user is instructed to press the confirmation button (steps 805 and 806).
[0082]
When the cash amount is confirmed, the automatic teller machine 14 executes a cash process. That is, the inputted electronic money of the exchange amount is pulled out from the inserted IC card and moved to the electronic safe 15 in the bank office system 1 by the same method as already described. Further, cash corresponding to the exchange amount is discharged from the cash storage 173.
[0083]
(6) After that, a statement is made, and the IC card, cash, and statement are discharged. The user receives these and ends the processing (step 807).
[0084]
(E6) Transfer
With reference to FIG. 11, a process for transferring a required amount of electronic money in an IC card to another person's account will be described.
[0085]
(1) First, a plurality of menus representing various transactions are displayed on the touch panel 146 in the initial state, and the user is instructed to select one from these menus. Here, “transfer” is selected (step 901).
[0086]
(2) When “transfer” is selected as the transaction, the touch panel 146 displays a menu representing cash, electronic money, and the user's deposit account as the source of money used for the transfer, Instruct the user to make a selection. Here, since it is assumed that the transfer is performed using electronic money, “electronic money” is selected (step 902).
[0087]
(3) The user is instructed to insert the IC card into the card insertion slot (step 903).
[0088]
(4) The user is instructed to confirm and unlock the IC card lock. (Step 904). The apparatus operation and the user's operation at this time are the same as in the previous step 412 (FIG. 6).
[0089]
(5) Instructing the user to input the transfer amount and prompting the user to select whether or not to use a transfer card that has already been issued by the bank, in which information on the transfer destination is recorded in a magnetic stripe as a method of specifying the transfer destination A menu is displayed on the touch panel 146. Here, it is assumed that the user selects a transfer that does not use a transfer card (steps 905 and 906).
[0090]
(6) Enter the name of the financial institution of the transfer destination, the name of the branch, the account type of the transfer account, the account number, the name of the recipient of the transfer destination, the name of the client who is the user, and the telephone number of the client in order. The user is instructed (steps 907 to 911).
[0091]
(7) Instruct the user to point out whether or not it is necessary to issue a transfer card for the next transfer. Further, the input results of steps 906 to 911 are displayed to prompt the user to confirm the contents (steps 912 and 913).
[0092]
(8) When the user confirms the input result and presses the confirmation button, the automatic teller machine 14 withdraws the electronic money of the input transfer amount from the input IC card, and operates the electronic currency with the bank operation. It moves to the electronic safe 15 in the store system 1. Further, the bank computer center 5 is notified that the transfer amount is to be transferred to the bank account designated by the user (step 914).
[0093]
(9) After that, a description is prepared, and the IC card and the description are discharged. When the user requests to issue a transfer card in step 912, this card is also issued. The user receives these and ends the processing (steps 914 and 915).
[0094]
If transfer by transfer card is selected in step 906, the user is instructed to insert the transfer card into the card insertion slot, the contents in the transfer card are displayed in step 913, and thereafter step 914 and subsequent steps. Execute.
[0095]
If transfer from an account is selected in step 902, steps 502 and 503 (FIG. 7) executed in the case of withdrawal from the account may be executed instead of steps 903 and 904. When cash transfer is selected in step 902, steps 426, 428 and 434 (FIG. 6) executed in the case of cash deposit may be executed instead of steps 903 and 904.
[0096]
According to the above-described embodiment of the present invention, transactions such as deposit, withdrawal, cash conversion, transfer, etc., can be performed using an IC card containing electronic money. Moreover, the operating procedure at that time is very close to the case where these transactions are performed with cash. Furthermore, when it is necessary to enter the bank name and account number, such as when depositing or withdrawing, by using a conventional cash card together, the IC card that holds this information can also be Even in this case, these transactions can be performed with exactly the same operation procedure. In addition, a plurality of cards such as conventional cash cards, transfer cards, and IC cards can be handled efficiently according to the contents of the transaction.
[0097]
<Modification of Embodiment 1 of the Invention>
In the first embodiment, when depositing (FIG. 6), after instructing the user to select whether the money used for depositing is cash or electronic money (step 404), in either case, the cash card and the password are used. The user was asked to enter a number. Thereafter, users who had previously requested cash were asked to insert cash, and users who had previously requested electronic money were asked to insert an IC card. On the other hand, in the case of withdrawal (Fig. 7), without asking the user whether the desired money is cash or electronic money, the user is requested to enter a cash card and PIN, and the withdrawal amount To the user. Thereafter, the user is inquired whether the desired money is cash or electronic money, and further requests the user for an operation depending on the money desired by the user.
[0098]
These operation procedures can be changed as follows.
[0099]
(1) Of the operating procedures for withdrawal, the same or similar portion for depositing is made the same as the operating procedure for depositing in FIG.
[0100]
(2) The operation procedure for depositing is the same as that for withdrawal in FIG.
[0101]
<Embodiment 2 of the Invention>
In the first embodiment, when the bank identification number and the account number are not recorded on the IC card, or the processing for the bank account that is recorded but different from the account designated by the IC card, the cash card is used together. I explained what to do below. However, it is naturally possible to process the bank account described on the IC card. In the second embodiment, when a bank identification number and an account number are recorded on an IC card, how the card is processed in order to execute a transaction for an account specified by the number. Is briefly explained.
[0102]
That is, in the case of depositing, when electronic currency is selected in step 404 in FIG. 6, the user is prompted to insert an IC card before inserting a cash card in step 406. In the automatic teller machine 14, the CPU 162 checks whether or not a bank identification number and an account number are recorded on the IC card, and if so, reads them. Thereafter, step 406 in FIG. 6 is skipped, prompting the input of the personal identification number in step 408, and the IC card input step 410 is omitted.
[0103]
If the bank identification number and the account number are not recorded in the input IC card, the insertion of a cash card is prompted at step 406 and step 408 is executed. It is the same that the IC card input step 410 is omitted.
[0104]
The above processing can be similarly applied to the withdrawal processing shown in FIG. That is, steps 502, 503, and 508 may be modified as described above. If the correction is made in this way, the cash card ejection step 507 is not executed when the IC card holding the bank identification number and the account number is used.
[0105]
In the case of balance inquiry, cash exchange, and transfer, the processing described in the first embodiment may be executed.
[0106]
<Modification of Embodiment 2 of the Invention>
In the first embodiment, when the electronic money card to be used is restricted so that only the electronic money card having the bank identification number and the account number recorded thereon is used, the IC card input in the above processing procedure is used. In addition, when such information is not recorded, the user can be notified that the IC card cannot be used, and the processing can be stopped.
[0107]
<Third Embodiment of the Invention>
In the currency selection step 404 in the deposit process (FIG. 6) in the first embodiment, a menu for instructing the user to select “cash” or “electronic money” is displayed. In the form, this selection step is omitted.
[0108]
That is, after the step 402, without displaying this currency selection screen, “If you are depositing with cash, please deposit a cash card. If you are depositing with IC card electronic money, insert the IC card. Please display guidance. When a cash card is inserted, step 428 and subsequent steps are executed as a cash deposit process. At this time, the cash card input step 426 is not executed because it has already been executed. When the IC card is inserted, step 406 and subsequent steps are executed as a deposit process using electronic money. However, step 410 is not executed because it has already been executed.
[0109]
Note that the execution of skip 406 can be skipped as described in the second embodiment. That is, it is checked whether or not the bank identification number and the account number are stored in the input IC card. If they are stored, step 406 is skipped.
[0110]
In the withdrawal process shown in FIG. 7, the currency selection step 506 can be omitted by correcting the process as follows. That is, after step 501, the user is prompted to input one of the cash card and the IC card as described above. If a cash card is entered, steps 503 to 505 are executed, after which step 506 is skipped and cash is discharged. On the other hand, when an IC card is input, the method described in the second embodiment is used in combination. That is, it is checked whether or not a bank identification number and an account number are recorded in the IC card, and if it is determined that they are recorded, steps 503 to 505 are executed, and thereafter steps 506 to 508 are omitted. Further, steps 509 to 510 are executed. If it is determined that the bank identification number and the account number are not recorded on the IC card, steps 502 to 505 are executed, and then step 506 is skipped and step 507 is executed. Thereafter, after step 508 is skipped, steps 509 and 510 are executed.
[0111]
In the balance inquiry of FIG. 8, when the balance inquiry is selected in step 602, “Insert the cash card when inquiring the account balance, insert the IC card when inquiring the electronic money balance. The user is requested to input one of the cash card and the IC card. If a cash card is input, steps 604 and 616 may be omitted and the process jumps to step 618. If an IC card is input, steps 604 and 606 may be omitted and the process jumps to step 608.
[0112]
In the transfer process of FIG. 11, after step 901, instead of step 902, “When transferring from an account, enter a cash card, when inputting electronic money, enter an IC card, and when transferring with cash, Please enter "is displayed. When the IC card is input, step 903 is skipped and step 904 and subsequent steps are executed. When a cash card is input, the processing after step 905 is executed. The same applies when cash is entered.
[0113]
In the case of the balance inquiry shown in FIG. 8 and the cashing process shown in FIGS. 9 and 10, the procedure shown in these figures is executed.
[0114]
<Embodiment 4 of the Invention>
(1) FIG. 12 is a perspective view showing the appearance of another automatic teller machine according to the present invention.
[0115]
This machine 14 differs from that shown in FIG. 2 in that another card insertion slot 143 ′ is provided in addition to the card insertion slot 143. The card insertion slot 143 ′ is used exclusively for IC cards. The card insertion slot 143 is used for cash cards and transfer cards. In general, it is easier for the user to insert a specific card using a specific card slot.
[0116]
However, these card insertion slots 143 and 143 ′ can be configured to be used for insertion of any of a cash card, a transfer card, and an IC card. Some users think that such a configuration is preferable for convenience. In this case, the IC card or the cash card constitutes a card conveyance path so that it is conveyed to the IC card reader / writer 182 and the cash card reader / writer 184, respectively, even if it is inserted from one of the two card insertion slots.
[0117]
<Details of electronic money system>
The electronic money system itself to which the present invention is applied will be described in more detail. In FIG. 1, the distribution system 2 is usually configured by connecting a POS terminal 22 to a center device 24 via an internal communication line 13 and a store controller 23. For electronic money settlement, an external IC card reader / writer 11 is further provided in a normal POS terminal 22 or configured using an electronic money POS terminal 21. The center device 24 includes an information control system 25, a workstation 26, and an electronic safe 15.
[0118]
The end user system 3 is mainly an individual user system, and simply the electronic wallet 31 that can display the balance of electronic money in the IC card. A function such as a calculator can be added to the electronic wallet 31. The personal computer 32 has a PC card reader / writer 33 for electronic money settlement, and is configured to be connectable to the public communication network 7. Also, an IC card telephone 34 having a processing function for the IC card 10 that stores electronic money in a normal telephone can be used.
[0119]
The personal computer 32 and the IC card telephone device 34 in the above-described end user system 3 are provided with two sets of card reader / writers for the two IC cards inside, thereby exchanging electronic money between the two IC cards. It can be performed. Thereby, for example, the same processing as in the case of handling ordinary cash, such as transferring the electronic money in the master's IC card to the housewife's IC card, can be performed.
[0120]
The vending machine system 4 includes a vending machine 42 provided with a built-in IC card reader / writer 41.
[0121]
When the electronic money is withdrawn, the IC card possessed by the individual is provided in the window terminal 12, the automatic teller machine 14, the personal computer 32, the IC card telephone 34, or the like by the communication function of the card. The IC card reader / writer 11, 33 (FIG. 1), 182 (FIG. 3) or the like is connected to the IC card in the electronic safe 15 in the banking store system 1. Then, under the control of the electronic money transaction control terminal 16, the electronic money stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is stored in the IC card 10 possessed by the individual. . At this time, the balance of the electronic money stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is reduced by the amount stored in the IC card 10 possessed by the individual. Moreover, the withdrawal of the deposit from the personal account is performed in the same manner as conventionally performed.
[0122]
The deposit of the bank account of the individual can be withdrawn to the IC card possessed by the individual using the automatic teller machine 14 and held in the IC card as electronic money. Furthermore, the cash can be taken to a bank window or an electronic money issuing organization where the IC card can store electronic money corresponding to the cash.
[0123]
In addition, the electronic money in the IC card is returned to the IC card in the electronic safe 15 in the bank office system 1 via the window terminal 12, the automatic teller machine 14 and the personal computer 32, and at the same time the own account. You can also deposit at.
[0124]
As described above, a user who stores electronic money in his / her IC card 10 uses the IC card in the same way as cash to shop for goods and receives various services at various shops. It is possible.
[0125]
Now, it is assumed that a user who has stored electronic money in his / her IC card 10 has made a purchase at a store and brought the purchased product to a POS terminal counter for payment. In the same way as in the case of ordinary transactions, the handling person inputs the selling price of the product from the POS terminal 21 or 22 by calculating a bar code or the like, calculates the sum, and charges the customer.
[0126]
When a customer pays with an IC card containing electronic money instead of cash, the customer connects the IC card to the card insertion hole of the electronic money POS terminal 12 or the normal POS terminal 22. Insert into IC card reader / writer 11. As a result, the customer's IC card and one of the IC cards in the electronic safe 15 installed in the center device 24 of the store are connected via the internal communication line 13 and the workstation 26, and the customer's IC card. The electronic money in the card is transferred to one of the IC cards in the electronic safe 15 installed in the center device 24, a receipt is output from the POS terminal, and the payment processing by shopping is completed. In this case, the electronic money in the customer's IC card is reduced by the amount used for shopping and added to the electronic money on the IC card of the store.
[0127]
In the above description, in the distribution system including a large number of POS terminals and an electronic safe in which a large number of IC cards are stored in the center device 24, the transaction price of the product is paid. In the case of a system including only a deposit machine, an IC card reader / writer for the customer's IC card is provided in the deposit machine, and an IC card possessed by the store is provided inside the deposit machine. Payment by electronic money can be performed between an IC card possessed by this store and a customer's IC card connected via an IC card reader / writer. Then, as described above, the electronic money in the IC card possessed by the store can be deposited into the bank account, or can be cashed at the bank window.
[0128]
Further, in the distribution system having the POS terminal described above, as a system construction method, each POS terminal is provided with an IC card, and money is exchanged with the customer's IC card once with the IC card in the POS terminal. It can be carried out with the customer's IC card, and can be transferred from the POS terminal to the IC card in the electronic safe 15 of the center device 24 as necessary.
[0129]
When the vending machine 42 or the like participates in the electronic money system, the vending machine 42 is provided with a built-in IC card reader / writer 41, and the vending machine itself is provided with an IC card. Money may be exchanged with the IC card inserted into the writer 41.
[0130]
<Modification>
Various embodiments described above have shown the handling method of the electronic money card in the automatic teller machine which can perform both deposit and withdrawal by cash. However, the handling method of the electronic money card at the time of deposit shown in these embodiments is not limited to the above-mentioned machines, and cash such as an automatic teller machine that handles deposits but does not handle withdrawals. It can also be applied to deposits in an automatic cash handling apparatus (or automatic cash transaction apparatus) that can handle deposits by means of cash. Similarly, the handling method of the electronic money card at the time of withdrawal shown in the above embodiment is not limited to the automatic teller machine, but the automatic cash payment that handles withdrawal but does not handle deposit. The present invention can also be applied to an automatic cash handling apparatus (or automatic cash transaction apparatus) that can handle payment by cash, such as a machine. Similarly, the handling method of the electronic money card in any one of the balance inquiry, cash exchange, or transfer shown in the above embodiment is not limited to the automatic teller machine. The present invention can also be applied to an automatic cash handling apparatus (or automatic cash transaction apparatus) that can handle at least one of deposits and payments in cash, such as an automatic cash dispenser.
[0131]
【The invention's effect】
As described above, according to the present invention, in an automatic cash handling apparatus, using an electronic money card, at least one of deposit, withdrawal, cash conversion, or transfer using electronic money is used. You can execute a transaction.
[Brief description of the drawings]
FIG. 1 is a schematic block diagram of an electronic money system to which an automatic teller machine according to the present invention is applied.
FIG. 2 is a perspective view showing an external appearance of a first embodiment of an automatic teller machine according to the present invention, which is applied to the system of FIG. 1;
3 is a schematic block diagram of the inside of the apparatus of FIG. 2;
4 is a schematic block diagram of an IC card reader / writer used in the apparatus of FIG.
FIG. 5 is a schematic block diagram of an IC card used in the apparatus of FIG.
6 is a flowchart of a deposit process for an account using electronic money or cash in the apparatus of FIG.
7 is a flowchart of a withdrawal process in the apparatus of FIG.
FIG. 8 is a flowchart of balance confirmation processing in the apparatus of FIG. 2;
FIG. 9 is a flowchart of a cashing process from cash to electronic money in the apparatus of FIG. 2;
FIG. 10 is a flowchart of a process for converting electronic money into cash in the apparatus of FIG. 2;
11 is a flowchart of a transfer process in the apparatus of FIG.
12 is a perspective view showing an appearance of a second embodiment of an automatic teller machine according to the present invention, which is applied to the system of FIG. 1; FIG.
[Explanation of symbols]
1 Bank office system
2 Distribution system
3 End user system
4 Vending machine system
5 Bank Computer Center
6 Electronic currency issuing organization
7 Public communication network
10 IC card
11 External IC card reader / writer
12 Window terminal
13 Internal communication line
14 Automatic teller machine
15 Electronic safe
16 Electronic currency transaction control terminal
17 Relay computer
21 POS terminal for electronic currency
22 POS terminal
23 store controller
24 Center equipment
25 Information control system
26 Workstation
31 Electronic wallet
32 PC
33 PC card type card reader / writer
34 IC card telephone
41 Built-in IC card reader / writer
42 Vending machines
51 Account system host
52 External system
53 External control terminal
140 Body
141 Passbook insertion slot
142 Display panel
143, 143 'card slot
144 Bill insertion / discharge slot
145 Coin input / discharge port
146 Touch panel operation unit
147 Sensing device
148 Coin mis-injection / discharge receptacle

Claims (5)

In the handling method of electronic money in the automatic cash handling equipment that can handle deposits with cash,
(A) displaying a menu representing transaction items such as deposit, withdrawal, balance inquiry, etc. in a selectable manner ;
(B) a step of displaying to select whether the money to be handled is cash or electronic money;
(C) accepting insertion of a cash card when cash is selected and executing the selected menu transaction with a designated financial account ;
(D) when the electronic money is selected, accept the insertion of the IC card reader / writer of electronic money for an IC card, to control the loading and unloading of a provided electronic coin to the IC of the IC card reader / the writer A method for handling electronic money in an automatic cash handling apparatus , comprising: executing a transaction of the selected menu with respect to the inserted electronic money IC card by a function program . In the handling method of electronic money in the automatic cash handling equipment that can handle deposits with cash,
(A) a step of accepting insertion of an IC card containing electronic money into an IC card reader / writer;
(B) displaying a message prompting selection of cash to electronic money or electronic money to cash;
(C) accepting a selection of either electronic money to cash or cash to electronic money;
(D) displaying a prompt to input the amount to be exchanged , and accepting the input amount ;
(E) A process of withdrawing electronic money corresponding to the amount from the IC card or depositing cash corresponding to the amount to the IC card is performed on the electronic money provided in the IC in the IC card reader / writer. A method of handling electronic money in an automatic cash handling apparatus, comprising: a step of executing a function program for controlling withdrawal and withdrawal . An automatic cash handling apparatus capable of handling both cash and electronic money,
A loading and unloading device of the cash, and the cash reader, a display device, an operation device, a cash card reader, a printer and, in the IC card in which the electronic money is accommodated reader / writer and, financial institutions and electronic money issuance mechanism Communication means between and
The IC card reader / writer includes an IC therein, and the IC card has a function program for controlling insertion / removal of electronic money of the IC card . In claim 3,
The IC has a ROM and a CPU for holding a program for controlling the taking in and out of electronic money. In claim 3 or 4,
The IC card reader / writer includes an IC card loader, a connector, and a power supply voltage stabilization circuit outside the IC.

Images