JP3932087B2 - Automatic change machine - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic money changer for exchanging a certain type of money for another type of money, and in particular, can automatically collect a change fee from a prepaid fee stored in a storage medium other than a card corresponding to a card ID. It relates to possible automatic money changers.
[0002]
[Prior art]
Financial institutions are equipped with automatic money changers that exchange large amounts of banknotes into small bills or coins. Currently, some banks charge for money exchange services at the counter, but automatic change machines are provided free of charge without requiring a fee to use them. However, there is a plan to charge for the use of an automatic change machine in order to secure the maintenance cost of the apparatus and the cost for the wrapping coins to be exchanged, and in accordance with the tendency to charge various services.
[0003]
As an automatic change machine having a function of performing exchange for a fee, there are those shown in, for example, Japanese Patent Application Laid-Open No. 63-269274, Japanese Patent Publication No. 8-21097, and Japanese Patent Application Laid-Open No. 1-180089. Japanese Patent Laid-Open No. 63-269274 discloses an automatic change machine usage fee that is collected at a later time. Is stored for each customer and collected later based on the stored data. Japanese Patent Publication No. 8-21097 discloses that the amount information is stored in a prepaid card, and the usage fee is subtracted from the balance of the prepaid card each time an automatic change machine is used. . On the other hand, the one described in Japanese Patent Laid-Open No. 1-180089 is an inquiry made to the center based on card data to determine the usage fee of the customer. In other words, it is disclosed that a method can be employed in which the exchange fee is free and other cards are charged.
[0004]
[Problems to be solved by the invention]
When the automatic change machine is provided with a function for performing exchange for a fee, if the value information is stored in the card like a prepaid card, there is a possibility of fraud such as forgery. In addition, there is an inconvenience that storage and the like must be strict. Some of the conventional automatic change machines described above determine whether to charge a fee or not depending on whether or not the card is a bank card, but there is no one that considers the cost associated with the exchange. That is, for example, when it can be exchanged for any one of banknotes, new bills, loose coins, wrapping coins, etc., the wrapping coins are the most costly, and the labor and cost required for preparation differ depending on the form of money. However, there is nothing that takes into account the cost depending on the type of money exchanged, and conventional automatic money changers cannot meet the bank's desire to divide fees according to form. In addition, there is a demand for banks to improve services for their customers and their own customers, but a method that uniformly collects fees cannot meet such demands.
[0005]
The present invention has been made under the circumstances as described above, and an object of the present invention is to automatically collect an exchange fee from a prepaid fee stored in a storage medium other than a card, as well as the type and exchange of a card. An object of the present invention is to provide an automatic change machine capable of arbitrarily setting whether to collect a fee according to the form of money.
[0006]
[Means for Solving the Problems]
The present invention relates to an exchange process for accepting money to be exchanged and releasing money of a specified denomination, and an automatic change machine for performing a fee collection process for collecting a fee required for the exchange process. The object is to store a prepaid fee corresponding to the card ID, a card reading means for accepting the card and reading the card ID, and a prepaid fee stored corresponding to the card ID read by the card reading means. A prepaid fee reading means for reading out the storage unit from the storage unit, and an update for updating and storing the prepaid fee after performing the fee collection processing from the prepaid fee read by the prepaid fee reading unit in the storage unit Means.
[0007]
Further, the card information is read and at least a part of the card information is stored as the card ID, and the amount information of the prepaid fee received corresponding to the card ID is stored in the storage unit. Exchange authority to store the type of card and change the currency according to the type of currency and the presence or absence of the card. An exchange authority setting means for arbitrarily setting the exchange authority, and performing the exchange process and the fee collection process based on the contents of the exchange authority set by the exchange authority setting means; Display the contents set by the means; the fee fixed type with the amount of the fee fixed for one exchange, and the amount of money exchanged There is a fee collection amount setting means for setting a fee collection method to any of the fee-based methods that can set the amount of the fee in stages, and the fee collection method is set based on the fee collection method set by the fee collection amount setting means. Each is accomplished more effectively by performing a fee collection process.
[0008]
Furthermore, the payment procedure for the prepayment fee can be performed from the automatic change machine; the procedure for adding the amount of the prepayment fee can be performed from the automatic change machine; and the refund procedure for the prepayment fee can be performed. it is able to perform the automatic change machine; pre Symbol automatic change machine of a plurality of automatic change machine other with at least the card reading means is communicatively connected to each other in a network, either automatic Even when a money changer is used, a fee collection system for an automatic money changer that performs fee collection processing based on a prepaid fee stored in advance in the storage unit of the automatic money changer ; To be achieved.
[0009]
DETAILED DESCRIPTION OF THE INVENTION
In the present invention, the prepaid fee is associated with the card ID and stored in the storage unit of the automatic change machine or the storage unit of the management server, and the fee required for the exchange process is deducted from the prepaid fee. In addition, the exchange fee is not uniform, the type of card (exchanging card, own card, other bank card, credit card, etc.), the presence of a card, the form of exchange money (banknote, new bill, rose coin, wrapping coin) Etc.), the presence or absence of a fee and the weight can be arbitrarily set. In addition, you can select and set a fixed fee type that sets the amount of the fee as a fixed fixed amount for one exchange, and a pay-as-you-go method that can set the amount of the fee step by step according to the amount of money exchanged. Thus, the automatic change machine is configured to perform exchange processing and fee collection processing based on the setting information.
[0010]
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings. In the embodiment described below, an example will be described in which a management server that manages fees and setting information is provided, and a prepaid fee is stored in a storage unit on the management server side.
[0011]
FIG. 1 shows an example of an external configuration of an automatic change machine according to the present invention. A customer operation unit 12 having a touch panel display is displayed on the front upper part of a housing, and a handling status display unit for displaying handling / stopping handling. 12A, a card insertion slot 13a for receiving a customer's card, a rose coin outlet 14a from which change or rose exchange coins are discharged, and a receipt issuing slot 19a from which a receipt is issued are provided below the wrapping coins A take-out port 15a and a banknote deposit / withdrawal port 16a are provided. Shutters 14b, 15b, and 16b are provided at the above-described rose coin outlet 14a, wrapping coin outlet 15a, and banknote deposit / withdrawal port 16a for depositing / withdrawing money, respectively. It has become so. Further, a foreign matter return port 16c for returning foreign matter such as coins in the deposited banknote is provided on the vertical surface at the lower front portion.
[0012]
FIG. 2 shows an example of an internal configuration of the automatic change machine shown in FIG. 1 and a connection configuration with a fee management server. In FIG. 2, an automatic change machine 10 includes a control unit 11 that controls the entire apparatus, a customer operation unit 12 that performs a selection operation of money exchange, a card processing unit 13 that performs card information reading processing, A rose coin processing unit 14 that performs deposit / withdrawal processing of coins, a packaging coin processing unit 15 that performs withdrawal processing of wrapping coins, a banknote processing unit 16 that performs deposit / withdrawal processing of banknotes, and a storage unit that stores a control program and the like 17, a communication unit 18 that controls communication with the fee management server 20, and a receipt processing unit 19 that issues a receipt such as a statement of a prepaid fee.
[0013]
The fee management server 20 includes a storage unit 21 that stores a prepaid fee corresponding to the card ID, and is connected online to each automatic change machine 10 via a transmission medium 2 such as a communication line. Then, each automatic change machine 10 accesses the storage unit 21 of the fee management server 20 via the transmission medium 2, and withdraws the fee required for the exchange processing and performs each procedure (payment procedure, amount (Additional procedures, refund procedures). Note that, in a form that does not include the fee management server 20, there is one storage unit for storing the prepaid fee for a plurality of automatic changers 10, and it is shared from each automatic changer 10 by a form such as file sharing. It has become so.
[0014]
FIGS. 3A to 3D show examples of cards that can be used in an automatic change machine, and the types of cards are an exchange card 1a that is used exclusively for exchange, and a bank card 1b (having an account in the bank). Cash card) and other cards (other bank card 1c, credit card 1d, etc.). The exchange card 1a is the most preferential card, and is given in advance from the bank side to a specific customer such as a customer or a contractor. In the present invention, the prepaid fee paid by the customer is stored in correspondence with each card as described above, and when the customer uses the automatic change machine, the prepaid fee stored in correspondence with the card is stored. The system that collects the usage fee from is adopted.
[0015]
FIG. 4 shows an example of information stored in the storage unit of the fee management server (or storage unit of the automatic change machine), and the storage unit 21 of the fee management server shows the amount information of the accepted prepaid fee. Information such as “fee”, “type” indicating the type of card, “number of times” indicating the number of times the automatic changer is used, and “exchange amount” indicating the total amount of money exchange are stored in association with the card ID. In this example, the exchange card 1a is type 1, the bank card 1b is type 2, and the other cards (1c, 1d, etc.) are type 3. The “card ID” referred to in the present invention is an ID for identifying these card types and cards. For example, in the case of an exchange card, specific ID information is assigned as a card ID, Uses the bank code, branch code, and account number assigned to the bank's cash card as the card ID, and in the case of other cards, a predetermined portion of information stored in the card is used as the card ID. In this way, the card information of various cards is read, at least a part of the card information is stored as the card ID, and information such as a prepaid fee is stored in correspondence with the card ID.
[0016]
When the automatic change machine is used, the card ID of the card inserted from the card insertion slot 13a is read. If it is determined that the service is a paid service, the information on the prepaid fee stored corresponding to the card ID is stored. Is received from the fee management server 20, the usage fee is reduced, fee collection processing is performed, and the prepaid fee in the storage unit 21 is updated. Further, in the present invention, the type of card is stored, and depending on the type of card and the presence / absence of the card, according to the form of exchange money (banknote, new bill, loose coin, wrapping coin, etc.) Provided with exchange authority setting means for setting exchange authority such as exchange for free, exchange possible for a fee, non-exchange, etc., and exchange processing and fee collection process based on the contents of the exchange authority set by this exchange authority setting means I try to do a fee. Further, usage information such as the number of usages and the amount of money exchange is stored for each customer in the storage unit 17 (or the storage unit 21 of the fee management server) of the automatic change machine, and the fee management server 20 or the Aggregation processing is performed on the host computer. By providing such a totaling function, it is possible to grasp the exchange frequency and amount of each customer and to provide information providing services suitable for the customer.
[0017]
FIG. 5 shows an example of the setting screen for setting the above-mentioned exchange authority. As shown in the figure, the exchange authority is set according to the form of the exchange money according to the card form (card type, no card). It can be done. “●” in FIG. 5 indicates that the exchange can be performed free of charge, “◯” indicates that the exchange can be performed for a fee, and “X” indicates that the exchange is impossible. In the example of FIG. 5, for example, the most preferential exchange card is set so that only wrapping coins that require the most labor and cost for preparation are charged, and the rest can be exchanged for free. In the case of own cards, new bills and wrapping coins will be charged, otherwise it will be free. For other cards, new bills will be charged and wrapping coins cannot be exchanged (otherwise free). It shows an example where bills and wrapping coins cannot be exchanged, and other than that, it can be exchanged for free.
[0018]
The contents of these exchange authorities can be set from a management computer such as the fee management server 20, the automatic change machine 10 for management, etc., and on the setting screen as shown in FIG. Each time the button is clicked, the setting contents are cyclically displayed in the order of “●” → “◯” → “×” → “●” so that it can be changed to a desired setting value. In addition, the management computer includes a fee collection amount setting means for setting a fee collection amount for a fee, and a fixed fee type for a fixed amount of money per exchange and a quantity of money for exchange. Accordingly, it can be set to one of fee-based methods that can set the fee amount step by step.
[0019]
FIG. 6 shows an example of a setting screen for the fee collection amount. A selection menu for selecting either fixed (fee fixed method) or pay-as-you-go (fee pay-as-you-go method), setting values in each method (if fixed) A menu for setting an amount or amount according to the quantity) is displayed as a setting screen, and the setting value can be changed to a desired value by moving the cursor with a key on the lower left of the screen. In the example of FIG. 6, a pay-as-you-go type is selected, 100 yen for 1 to 100 sheets, 200 yen for 101 to 300 sheets, 300 yen for 301 to 500 sheets, and 501 or more sheets Shows an example in which the fee amount is set in stages as 500 yen. The exchange authority setting information and the fee collection amount setting information described above are managed by the fee management server 20 and downloaded to the storage unit 17 of each automatic change machine 10 in this example.
[0020]
An operation example of the automatic change machine and the fee management server in the configuration as described above will be described.
[0021]
First, processing related to a prepayment procedure for a fee required for exchange will be described. FIG. 7 shows an example of the standby screen of the automatic change machine. When the customer selects the “fee prepaid” menu, a prepaid fee processing screen is displayed. The customer inserts a card (exchange card, bank card, or other card) used for prepaying the fee into the card insertion slot 13a of the automatic changer 10 according to the guidance on the screen or voice guidance, and cash is inserted into the banknote deposit / withdrawal slot 16a. After the payment, the denomination button displayed on the customer operation unit 12 is pressed to instruct a desired amount.
[0022]
Fig. 8 shows an example of the pre-payment processing screen. After inserting a card with a fee balance of 1,500 yen, deposit 10,000 yen, and then press the 3,000 yen denomination button. It is a screen example in the case of. When the fee is paid for the first time, or when a card with a balance of the prepaid fee is inserted, 0 yen is displayed in the fee balance. Each time the denomination button is pressed, the remaining amount of the deposit is displayed as a subtraction, and the additional fee amount and the additional fee balance are displayed. In the automatic change machine 10, when the purchase button is pressed, the storage unit 21 on the fee management server 20 side is updated and stored with the additional fee balance as a prepaid fee, and the balance from the loose coin outlet 14a and the banknote deposit / withdrawal port 16a. Withdraw the amount as change. In addition, the card inserted in the card insertion slot 13a is released and returned, and a receipt printed with details of the prepaid fee (date, card ID, fee balance, additional fee amount, additional fee amount, balance, etc.) is received. Issuing from the issuance port 19a, the processing related to the advance payment procedure is completed. When refunding the prepaid fee, by selecting the “fee fee refund” menu in FIG. 7, the prepaid fee stored corresponding to the card ID of the card is fully cash I'm getting refunded.
[0023]
Next, the exchange process in the automatic change machine will be described.
[0024]
In the automatic change machine 10, the card ID of the card inserted from the card insertion slot 13a is read, and if the inserted card is valid, the prepaid fee information stored corresponding to the read card ID is stored in the fee management server. 20, the exchange authority setting information and the fee collection amount setting information corresponding to the card type are read from the storage unit 17. Then, as shown in FIG. 9, the prepaid fee is displayed on the customer operation unit 12 as the fee balance and, based on the setting information of the exchange authority, whether the exchange is paid or free, or whether the exchange is impossible or not ( Bills, new bills, rose coins, and wrapping coins). When the “exchange” button is pressed, a change selection screen as shown in FIG. 10 is displayed to prompt the user to select the type and quantity of money to be exchanged. In this example, the exchange selection screen is composed of a first window that displays a deposit amount, a remaining amount, a cancel button, and the like, and a second window that selects a form of exchange. The denomination display unit G1 displays the denominations of money to be exchanged in a schematic diagram, and displays a selection button for selecting a quantity corresponding to those denominations in the selection operation unit G3 in a schematic diagram. I have to.
[0025]
Each time the customer presses the desired denomination selection button, the selected amount is added and displayed in the amount display portion G2, and the remaining amount is displayed in a subtracted manner. Before the selection, the deposit amount = remaining amount (200,000 yen in the example of FIG. 10) is displayed, and when the remaining amount becomes 0 yen by the selection operation or the remaining amount exchange button is pressed, the display is switched to the exchange confirmation screen. The remaining money exchange button is a button that is set by automatically selecting the exchange mode. In this example, when this button is pressed, the remaining money amount at that time is set to the denomination that is the minimum number.
[0026]
FIG. 11 shows an example of the exchange confirmation screen. In the automatic change machine, the amount of the selected denomination is displayed on the amount display unit G2, and the quantity of the selected denomination is schematically displayed on the quantity display unit G4. Display as a diagram. Further, the fee is calculated based on the setting information of the exchange authority and the setting information of the fee collection amount, and the fee balance, the fee, and the post-transaction fee balance are displayed. The customer confirms the contents on this exchange confirmation screen, and instructs the exchange by pressing the confirmation button.
[0027]
When the confirmation button is pressed, the automatic money changer pays out the selected currency and discharges it to the corresponding outlet (banknote deposit / withdrawal port 16a, wrapping coin outlet 15a, loose coin outlet 14a) and a fee. the information was transmitted to the fee management server 20 updates the balance of the prepaid fees the card ID stored in the storage unit 2 1 fee management server 20 side, return processing of the card and change, the entered exchange banknotes After the transaction end processing, such as storage processing and storage processing of the customer's usage information (number of times used, amount of money exchanged, etc.), the exchange operation is terminated.
[0028]
【The invention's effect】
As described above, according to the present invention, it is possible to prevent fraud of money amount data. In addition, since a prepaid fee can be stored using a part of card information of an arbitrary card as a card ID, the prepaid fee can be accepted without requiring a special card. In addition, according to the type and presence of the card, it is possible to arbitrarily set the exchange authority such as free, paid, non-changeable according to the form of exchange money, so set the fee structure according to the cost related to exchange It is possible to deal with changes in exchange fees. Furthermore, since a fixed fee type and a fee-based method can be selected and set arbitrarily, the fee system can be set more finely.
[Brief description of the drawings]
FIG. 1 is a perspective view showing an example of an external configuration of an automatic change machine according to the present invention.
FIG. 2 is a diagram showing an example of an internal configuration of an automatic change machine according to the present invention and an example of a connection configuration with a fee management server.
FIG. 3 is a diagram showing an example of a card that can be used in the automatic change machine according to the present invention.
FIG. 4 is a diagram illustrating an example of stored information such as a prepaid fee.
FIG. 5 is a diagram illustrating an example of a change authority setting screen.
FIG. 6 is a diagram illustrating an example of a fee collection amount setting screen.
FIG. 7 is a diagram illustrating an example of a standby screen.
FIG. 8 is an example of a screen for fee prepayment processing;
FIG. 9 is an example of a screen showing a balance of prepaid fees and a service form of money exchange.
FIG. 10 is a diagram illustrating an example of an exchange selection screen.
FIG. 11 is a diagram illustrating an example of a currency exchange confirmation screen.
[Explanation of symbols]
1 card 1a exchange card 1b own bank card 1c other bank card 1d credit card 2 transmission medium 10 automatic change machine 11 control unit 12 customer operation unit (touch panel type display unit)
12A Handling state display unit 13 Card processing unit 13a Card insertion port 14 Bulk coin processing unit 14a Bulk coin outlet 14b Shutter 15 Packaging coin processing unit 15a Packaging coin outlet 15b Shutter 16 Banknote processing unit 16a Banknote deposit / withdrawal port 16b Shutter 16c Foreign matter Return port 17 Storage unit 18 Communication unit 19 Receipt processing unit 19a Receipt issue port 20 Fee management server 21 Storage unit

Claims (7)

In an automatic money changer that accepts money to be exchanged and releases a money of a designated denomination and performs a fee collection process that collects a fee for the exchange process.
A storage unit that stores a prepaid fee obtained by adding an additional fee to the prepaid fee when a prepaid fee adding procedure for adding the amount of the prepaid fee is performed and a prepaid fee is stored corresponding to the card ID;
Card reading means for receiving the card and reading the card ID;
Prepayment fee reading means for reading a balance of prepayment fees stored in correspondence with the card ID read by the card reading means from the storage unit;
Prepayment for renewing and storing in the storage unit the remaining prepaid fee after collecting the fee from the balance of the prepaid fee read by the prepaid fee reading means and adding the amount of the prepaid fee An updating means for updating and storing a prepaid fee obtained by adding an additional fee to the balance of the prepaid fee when the fee adding procedure is performed ;
With comprising a,
An automatic change machine comprising a display unit for displaying the balance of the prepaid fee read out and the fee balance after the addition when the fee addition procedure is performed . The card information is read, and at least a part of the card information is stored as the card ID, and the prepaid fee is received and the amount information of the prepaid fee received corresponding to the card ID is stored in the storage unit. The automatic change machine according to claim 1, wherein Stores the card type and, depending on the type of card and the presence or absence of the card, the exchange authority to change the money for free, changeable for a fee, or not changeable according to the type of money 3. The automatic according to claim 1, further comprising an exchange authority setting means for setting, wherein the exchange process and the fee collection process are performed based on the contents of the exchange authority set by the exchange authority setting means. Currency exchange machine. The automatic change machine according to claim 3, wherein the contents set by the change authority setting means are displayed on the display section when the money is changed. Fee collection in either the fixed fee method, where the amount of the fee is fixed for a single exchange, or the pay-as-you-go method, where the amount of the fee can be set in stages according to the amount of money exchanged 5. A fee collection amount setting means for setting a method is provided, and the fee collection processing is performed based on the fee collection method set by the fee collection amount setting means. Automatic change machine. The automatic change machine according to any one of claims 1 to 5, wherein the payment procedure for the prepayment fee can be performed from an automatic change machine. The automatic change machine according to any one of claims 1 to 6 , wherein a refund procedure for the prepayment fee can be performed from an automatic change machine.

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