JP4808423B2 - Trading device - Google Patents

Description

  The present invention relates to a transaction apparatus such as a foreign currency exchange machine for exchanging Japanese yen into a foreign currency, for example.

  Traditionally, exchange from Japanese yen to foreign currency has been done at bank counters, but recently, foreign currency exchange machines that users can operate themselves to exchange foreign currency have appeared and have been installed in financial institutions such as banks. Yes. In this foreign currency exchange machine, when the type and quantity of foreign currency to be exchanged are specified in the operation unit, the amount calculated based on the exchange rate is displayed, and by inserting money, foreign currency packs (predetermined amount of foreign currency is packed in bags. Transaction statement slips and change are released. Patent Document 1 described later describes a transaction apparatus having a foreign currency exchange function.

  FIG. 14 is a flowchart showing the operation of a conventional foreign currency exchange machine. In the operation unit, the transaction type such as cash / traveler check is selected (step S51), and then the type and quantity of the foreign currency pack is selected (step S52). After (step S53), a name and a telephone number are input (steps S54 and S55). Next, when a bill is inserted according to the guidance on the screen (step S56) and the amount is confirmed (step S57), the statement slip and change are released (step S58) and the foreign currency pack is released (step S58). Step S59).

  Incidentally, some transaction apparatuses installed in financial institutions such as banks and credit unions collect a predetermined fee. For example, in ATM, a fee determined by a financial institution is automatically collected when used outside the hours or when transferring money. In the case of a transfer, the fee varies depending not only on the time of day but also on the transfer amount, and the fee varies depending on whether the transfer destination is the same branch or another branch, or the own bank or another bank, and the fee structure is complicated. Some money change machines also collect fees according to, for example, money exchange amounts, denominations, and customer types. Patent Documents 2 to 5 listed below describe an automatic money changer that collects a fee.

  On the other hand, a statement slip issued in a transaction apparatus may be a taxable document that is subject to a stamp tax depending on the transaction content. Payment of the stamp tax is generally done by pasting a revenue stamp on the taxable document and imprinting a tally, but by submitting the tax office in advance and obtaining approval for the collective payment of the stamp tax, Affixing revenue stamps for each creation can be omitted. In this case, it is only necessary to print a mark indicating that the tax office has already approved the payment of the stamp tax declaration on the taxable document. The following Patent Document 6 and Patent Document 7 describe a transaction apparatus that prints and issues such an approved mark on a receipt.

JP 2000-113285 A JP-A-63-245793 JP-A 63-269277 JP-A-63-273984 Japanese Patent Laid-Open No. 1-180089 JP 2004-5073 A JP-A-7-73378

  In the case of the above-described foreign currency exchange machine, the amount to be deposited differs depending on the exchange rate of the day. Therefore, there is a request from the user to know in advance the amount to be prepared for foreign currency exchange. In addition, when a transaction is made on a transaction device that collects a fee, the amount of the fee varies depending on the content of the transaction. Therefore, from the user's point of view, how much fee will be charged for the transaction to be performed. There is a request to know in advance. However, with a conventional transaction device, the details of a transaction can only be confirmed on a statement slip that is issued after the transaction is completed, so the amount to be prepared prior to execution of the transaction and the fee for the transaction are examined. It was impossible to bring back the results and compare them with other time zones or other financial institutions.

  The present invention has been made in view of the above problems, and the problem is that the contents of the transaction are printed and provided to the user prior to the transaction, so that the user can preliminarily determine the transaction content. It is to be able to conduct transactions after consideration.

The transaction apparatus according to the present invention includes an input means for inputting transaction information by a user's operation, a calculation means for calculating an amount required for the transaction based on the transaction information input by the input means, and the calculation Transaction execution means for executing a predetermined transaction based on the amount calculated by the means, and transaction details including the amount calculated by the calculation means are printed before the predetermined transaction is established , and the stamp tax declaration payment approval is made. the statements that mark is not printed to represent, in which a statement issuing means for issuing instead itemized issued after transaction establishment.

  By doing so, the user is provided with the details of the transaction contents when assuming that the transaction has been performed at the stage before the transaction is concluded, so the user can take this calculation and bring back the transaction. It is possible to prepare the necessary cash and compare it with the contents of transactions at other times and other financial institutions.

  For financial institutions, by issuing such a calculation sheet, it is possible to distinguish between transactions that are subject to stamp tax and transactions that are not subject to stamp tax. For example, if a transaction performed on a transaction device is subject to stamp tax, a statement slip will be issued after the transaction is established as before, and if a transaction performed on the transaction device is not subject to stamp tax, a statement will be issued before the transaction is finalized. It is possible to perform an operation in which only a statement is issued and no statement slip is issued after the transaction is established (the statement is replaced with the statement slip). This eliminates the need to issue a statement and a statement slip twice.

  In the present invention, after accepting the payment of the amount necessary for the transaction, a message for guiding the receipt at the counter of the transaction slip relating to the transaction may be displayed on the display means. According to this, a user who needs not only a statement but also a statement slip can go to the window and receive a statement slip issued by a staff member. Further, it is only necessary to issue a statement slip each time at the window only for those who want the statement slip, and it is not necessary to issue a statement slip in the transaction apparatus, so that waste of paper can be eliminated.

  The present invention further includes a statement slip issuing means for issuing a statement slip and a selection means for selecting whether or not to issue the statement slip, and the statement slip issuing means issues the statement slip by the selection means. A statement of detail may be issued only when selected. According to this, a user who needs not only a statement but also a statement can receive both the statement and statement in the transaction apparatus without going to the counter. Further, it is sufficient to issue a statement slip only when the statement slip issue is selected, and it is not necessary to issue a statement slip uniformly, so that waste of paper can be eliminated.

  In this case, since the calculation issued before the transaction is a kind of estimate and does not have a receipt function, it is not necessary to print a mark indicating approval for payment of the stamp tax return. Since the vote has a receipt function, it is possible to print a mark indicating approval for payment of the stamp tax return. Therefore, by printing the mark on the statement sheet instead of printing the mark on the statement sheet, it becomes clear that the statement sheet is not subject to stamp tax and the statement sheet is subject to stamp tax. Becomes clear.

  In the present invention, the cancellation command means for instructing the cancellation of the transaction after issuing the calculation document, the execution command means for instructing the execution of the transaction after the calculation sheet is issued, and the status of the transaction for each transaction is recorded. Recording means for recording, if cancellation of the transaction is commanded by the cancellation command means, the cancellation of the transaction is recorded in the recording means, and if execution of the transaction is commanded by the execution command means, the transaction is recorded in the recording means May be recorded. Even if the transaction is canceled after the issuance of the statement, the user has obtained the statement, but since the statement is not issued, it is not possible to determine whether or not the transaction was actually performed with the statement alone, When a user inquires about the existence of a transaction, the inquiry becomes impossible. Therefore, by recording the execution / cancellation of the transaction in the recording unit as described above, it is possible to specify whether or not the transaction is executed, and it is possible to make an inquiry based on the calculation document.

  According to the present invention, since the calculation sheet in which the transaction details are printed is issued prior to the transaction, the user can conduct the transaction after examining the transaction details in advance based on the calculation statement. In addition, for financial institutions, it is possible to distinguish between transactions that are subject to stamp tax and transactions that are not subject to stamp tax by separately using statement slips and statements according to the transaction.

  FIG. 1 is an external view of a foreign currency exchange machine A which is an embodiment of a transaction apparatus according to the present invention. 1 is a housing of the currency exchange machine A, 2 is a customer service section provided on the front side of the housing 1, and 3 is a touch panel provided on the customer service section 2. The touch panel 3 serves as both an operation unit and a display unit. 4 is a banknote inlet / outlet for inserting and discharging banknotes, 5 is a pack outlet from which foreign currency packs are released, 6 is a coin outlet from which coins are released, and 7 is a form (detailed form / calculation). This is a form exit. Reference numerals 8 to 11 denote flickers for urging to take out the emitted matter, 8 is a banknote flicker for urging to take out the banknote, 9 is a foreign currency pack flicker to urge to take out the foreign currency pack, 10 is a coin flicker to urge to take out the coin, 11 Is a form flicker that prompts the user to take out the form. These flickers 8 to 11 are composed of, for example, an array of LEDs (light emitting diodes), and are designed to prompt the extraction of the emission by blinking. Reference numeral 12 denotes a speaker that provides voice guidance to the user. Reference numeral 13 denotes a key insertion slot into which an clerk key is inserted when the customer service unit 2 is opened to deal with a failure. 14 is a front door provided on the front surface of the housing 1, 15 is a human detection sensor provided on the upper part of the front door 14, 16 is a return port provided on the lower part of the front door 14, and 17 is to open the front door 14. It is a key insertion slot into which a door opening / closing key is inserted. To the return port 16, coins or foreign matters thrown in the bills are returned.

  FIG. 2 is a block diagram showing the electrical configuration of the foreign currency exchange machine A. Reference numeral 20 denotes a control unit that performs control and calculations necessary for the operation of the foreign currency exchange machine A, and is configured mainly with a microcomputer. Reference numeral 21 denotes a banknote processing unit that processes the banknotes inserted from the banknote entrance 4 and the banknotes discharged to the banknote entrance 4 and includes a discrimination unit and a transport unit. Reference numeral 22 denotes a coin processing unit that processes the coins to be discharged to the above-described coin take-out port 6 and includes a discrimination unit, a transport unit, and the like. Reference numeral 23 denotes a foreign currency dispensing unit that discharges foreign currency packs to the pack take-out port 5 described above, and includes a counting unit, a conveyance unit, and the like that count foreign currency. Reference numeral 24 denotes a form issuing unit that issues a statement or a calculation form from the above-described form taking-out port 7 and includes a printing unit, a conveyance unit, and the like. A journal processing unit 25 prints and records transaction contents in a journal set in the apparatus, and includes a printing unit, a paper feeding unit, and the like. A memory 26 includes a ROM and a RAM.

  A customer operation unit 27 includes the touch panel 3 and its input signal processing circuit. A display unit 28 includes the touch panel 3 and its display control circuit, flickers 8 to 11 and its display control circuit. Reference numeral 29 denotes a voice guidance unit, which includes the speaker 12 and its voice control circuit. A human detection unit 30 includes the human detection sensor 15 described above and a detection signal processing circuit thereof. Reference numeral 31 denotes an attendant operation unit, which is provided inside the back side of the foreign currency exchange machine A, for example. A communication unit 32 communicates with the host device 33 and is connected to the host device 33 via the communication line 34. The host device 33 is composed of a host computer and a server, and information on the exchange rate necessary for foreign currency exchange is transmitted from the host device 33 to the currency exchange machine A as needed.

  In the above configuration, the control unit 20 constitutes an embodiment of the calculating means and transaction executing means of the present invention, and the form issuing unit 24 constitutes an embodiment of the calculation sheet issuing means and the statement issuing means of the present invention. 26 constitutes an embodiment of the recording means of the present invention, a customer operation section 27 constitutes an embodiment of the input means of the present invention, and a display section 28 constitutes an embodiment of the display means of the present invention.

  Next, operation | movement of the foreign currency exchange machine A mentioned above is demonstrated. FIG. 3 is a flowchart showing the operation of the foreign currency exchange machine A according to the first embodiment. When a user (customer) stands in front of the currency exchange machine A and the human detection sensor 15 detects the user, a transaction selection screen 40 as shown in FIG. 4A (a) is displayed on the touch panel 3. On the transaction selection screen 40, a message 40a for prompting selection of a transaction, transaction selection buttons 40b to 40d, and an English display button 40e are displayed. The transaction selection button 40b is operated when the foreign currency to be exchanged is a traveler check (travelers check). The transaction selection button 40c is operated when the foreign currency to be exchanged is cash (cash). The transaction selection button 40d is operated when the foreign currency to be exchanged is a traveler check and cash. On the transaction selection screen 40, the user presses any of the transaction selection buttons 40b to 40d to select a transaction type as transaction information (step S11).

  When a transaction is selected, a pack selection screen 41 as shown in FIG. 4A (b) is displayed on the touch panel 3. On this pack selection screen 41, a message 41a for prompting selection of a pack, a plurality of pack selection buttons 41b, a cancel button 41c, a correction button 41d, and a confirmation button 41e are displayed. The pack selection button 41b is a button for selecting the type and quantity of foreign currency packs to be purchased. The quantity is specified by the number of times the button is pressed. The cancel button 41c is operated when canceling exchange. When the cancel button 41c is pressed, the transaction selection screen 40 shown in FIG. 4A (a) is returned to accept the transaction selection again. The correction button 41d is operated when correcting the type of foreign currency pack selected by the pack selection button 41b. The confirmation button 41e is operated when approving the type of foreign currency pack selected by the pack selection button 41b. On the pack selection screen 41, the user presses the pack selection button 41b to select the type and quantity of foreign currency packs as transaction information, and if there is no mistake, presses the confirmation button 41e to determine the pack selection (step S12). .

  When the type of the foreign currency pack is selected, the exchange content confirmation screen 42 as shown in FIG. 4B (c) is displayed on the touch panel 3. On this exchange content confirmation screen 42, a message 42a for prompting confirmation of the exchange content, an exchange content display column 42b displaying the exchange content, a cancel button 42c, a correction button 42d, and a confirmation button 42e are displayed. . In the exchange content display field 42b, the currency type and the total purchase foreign currency amount are displayed. The cancel button 42c is operated when canceling exchange. When the cancel button 42c is pressed, the transaction selection screen 40 shown in FIG. 4A (a) is returned to accept the transaction selection again. The correction button 42d is operated when correcting the exchange content displayed in the exchange content display field 42b. The confirmation button 42e is operated when approving the exchange content displayed in the exchange content display field 42b. After checking the exchange contents displayed in the exchange content display field 42b on the exchange content confirmation screen 42, the user presses the confirmation button 42e to confirm (determine) the transaction contents (step S13). .

  When the transaction details are confirmed, a name input screen 43 as shown in FIG. 4B (d) is displayed on the touch panel 3. The name input screen 43 includes a message 43a for prompting input of a name, a name display field 43b for displaying the input name (name), a character board 43c, an alphanumeric button 43d, a blank button 43e, A character correction button 43f, a cancel button 43g, and a confirmation button 43h are displayed. The character board 43c is operated when inputting a name in katakana. The alphanumeric button 43d is operated when inputting a name in English characters. When this button is pressed, the character board 43c changes from katakana to an alphabetic character board. The blank button 43e is operated when inputting a space. The single character correction button 43f is operated when correcting the input character by one character. The cancel button 43g is operated when canceling exchange. When the cancel button 43g is pressed, the transaction selection screen 40 shown in FIG. 4A (a) is returned to accept the transaction selection again. The confirmation button 43h is operated when approving the name displayed in the name display field 43b. On the name input screen 43, the user inputs the name using the character board 43c, etc., checks the name displayed in the name display field 43b, and confirms the name input by pressing the confirmation button 43h if there is no mistake. (Step S14).

  When the input of the name is completed, a telephone number input screen 44 as shown in FIG. 4C (e) is displayed on the touch panel 3. The telephone number input screen 44 includes a message 44a for prompting input of a telephone number, a telephone number display field 44b for displaying the input telephone number, a numeric key 44c, a hyphen key 44d, a correction button 44e, and a cancel button. 44f and a confirmation button 44g are displayed. The numeric keypad 44c and the hyphen key 44d are operated when inputting a telephone number. The correction button 44e is operated when correcting an input number or the like. The cancel button 44f is operated when canceling exchange. When the cancel button 44f is pressed, the transaction selection screen 40 shown in FIG. 4A (a) is returned to accept the transaction selection again. The confirmation button 44g is operated when approving the telephone number displayed in the telephone number display field 44b. On the telephone number input screen 44, the user inputs a telephone number using the numeric keypad 44c, etc., checks the telephone number displayed in the telephone number display field 44b, and if there is no mistake, presses the confirmation button 44g to enter the telephone number. The input is confirmed (step S15).

  When the input of the telephone number is completed, a calculation sheet issuance guidance screen 45 as shown in FIG. 4C (f) is displayed on the touch panel 3. This calculation document issuance guide screen 45 is unique to the present invention, which is not found in conventional devices. On the calculation issuance guidance screen 45, a message 45a prompting receipt of the calculation form (preliminary use inquiry form), an image 45b of the form exit 7 (see FIG. 1) from which the calculation form is released, and a printing in progress A message 45c indicating that the calculation sheet is prohibited from being extracted is displayed. The calculation form is printed by the form issuing unit 24 (see FIG. 2), and the printed calculation form is issued from the form taking-out port 7 (step S16).

  FIG. 5 shows an example of the printed calculation sheet 60. Here, “calculation sheet” is printed, but “preliminary use inquiry form” may be printed instead, or “estimation form” may be printed instead. In short, it is only necessary to objectively know that it is a form that is calculated and displayed before the transaction is concluded, and the “calculation” in the present invention is a word with such meaning. Includes all printed forms. In the calculation form 60 of FIG. 5, items such as the date of transaction, time, dealer number, handling number, transaction type, quantity, subtotal, total foreign currency amount, exchange rate, yen amount, and yen amount subtotal are printed. Yes. Since the transaction has not been completed, the amount of the deposit and change is of course not printed. Note that the fee item is not included here, but when the exchange fee is collected, the amount of the fee is also printed. Since this calculation form 60 is a kind of estimate issued before the transaction is completed and does not have a receipt function like a statement issued after the transaction is established, the calculation form 60 is approved for payment of the stamp tax declaration. The mark to represent is not printed. In addition, it is clear from the words “calculation sheet” (or “preliminary usage inquiry sheet”, “estimation sheet”, etc.) that the calculation sheet 60 is not a taxable document subject to stamp duty.

  When the calculation sheet 60 is released from the form taking-out port 7 and extracted by the user, a bill acceptance guidance screen 46 as shown in FIG. 4D (g) is displayed on the touch panel 3. On this bill acceptance guidance screen 46, a message 46a that prompts the user to insert a bill, an image image 46b in which a bill entrance 4 (see FIG. 1) into which a bill is inserted is opened, and a message that informs the prohibition of coin insertion into the bill entrance 4 46c, a cancel button 46d, and a reading button 46e are displayed. The cancel button 46d is operated when canceling the exchange. When the cancel button 46d is pressed, the transaction selection screen 40 shown in FIG. 4A (a) is returned to accept the transaction selection again. The reading button 46e is operated when reading banknotes. When a banknote necessary for exchange is inserted into the banknote entrance 4 and the reading button 46e is pressed, acceptance of the banknote is confirmed (step S17). Here, only banknotes are accepted and coins are not accepted, but both banknotes and coins may be accepted.

  When the acceptance of bills is completed, a cash counting guidance screen 47 as shown in FIG. 4D (h) is displayed on the touch panel 3. On the cash counting guide screen 47, a message 47a is displayed to notify that the cash (banknote) is being counted. The banknotes inserted into the banknote entrance 4 are counted in the banknote processing unit 21 in FIG.

  When the counting of cash is completed, a payment amount confirmation screen 48 as shown in FIG. 4E (i) is displayed on the touch panel 3. The deposit amount confirmation screen 48 includes a message 48a prompting confirmation of the deposit amount, a deposit amount display column 48b, a total yen amount display column 48c, a change amount display column 48d, a cancel button 48e, a confirmation button 48f, Is displayed. In the deposit amount display column 48b, the deposited amount is displayed. The total amount of yen calculated based on the exchange rate is displayed in the total amount of yen display column 48c. In the change amount display column 48d, the amount returned as a change, that is, the difference between the display amount in the deposit amount display column 48b and the display amount in the total yen amount display column 48c is displayed. The cancel button 48e is operated to cancel the exchange, and when the cancel button 48e is pressed, the deposited banknote is returned to the banknote entrance 4 and returned to the transaction selection screen 40 in FIG. Accept. The confirmation button 48f is operated when approving the amounts displayed in the display columns 48b to 48d. The transaction is established when the confirmation button 48f is pressed, and thereafter, the transaction is executed. The confirmation button 48f constitutes an embodiment of the execution command means of the present invention, and the cancel button 48e constitutes an embodiment of the cancel command means of the present invention. After checking the amounts displayed in the display fields 48b to 48d on the amount confirmation screen 48, the user presses a confirmation button 48f to confirm (approve) the amount (step S18).

  When the confirmation button 48f is pressed, an in-process guidance screen 49 as shown in FIG. 4E (j) is displayed on the touch panel 3. On this in-process guidance screen 49, a message 49a is displayed informing that the specified transaction is being processed. During this process, the control unit 20 in FIG. 2 controls the banknote processing unit 21, the coin processing unit 22, the foreign currency dispensing unit 23, and the like for transaction execution (release of foreign currency packs and change).

  When the processing for executing the transaction is completed, a change release guide screen 50 as shown in FIG. 4F (k) is displayed on the touch panel 3, and change is transferred to the banknote entrance 4 and / or the coin outlet 6 (see FIG. 1). Released (step S19). On the change release guidance screen 50, a message 50a for prompting receipt of change and an image 50b in which the banknote entrance 4 and the coin outlet 6 are opened are displayed.

  When the user takes out the change from the banknote entrance 4 and the coin outlet 6, the touch panel 3 displays a pack discharge guide screen 51 as shown in FIG. 4F (l), and the foreign currency to the pack outlet 5 (see FIG. 1). The pack is released (step S20). On this pack release guidance screen 51, a message 51a for prompting the receipt of the foreign currency pack and an image 51b in which the pack outlet 5 is opened are displayed. When the user takes out the foreign currency pack that has been discharged to the pack outlet 5, the series of currency exchange transactions ends, and the process returns to step S11.

  As described above, in the first embodiment, before the transaction (foreign currency exchange) is executed, the calculation sheet 60 is printed with the transaction details including the amount necessary for the transaction. The details of the transaction contents when it is assumed that the transaction has been performed at the stage before the transaction is established can be acquired as the calculation sheet 60. For this reason, it is possible to take the calculation form 60 home and prepare the necessary cash for the transaction, or if the fee is printed, it can be compared with the fees of other time zones or other financial institutions. Thus, after accepting the transaction details, it is possible to start an actual transaction.

  By the way, even when the transaction is canceled after the calculation sheet 60 is issued, that is, even when the cancel button 46d is pressed in FIG. 4D (g), the user obtains the calculation sheet 60. Is not issued, it is not possible to specify whether or not the transaction has actually been performed by using the calculation sheet 60 alone. For this reason, if there is an inquiry about whether or not there is a transaction from a user at a later date, the inquiry becomes impossible. Therefore, in this embodiment, the execution / cancellation of the transaction is recorded in the memory 26 (see FIG. 2) as log data for each transaction.

  FIG. 6 shows an example of log data recorded in the memory 26. For each handling number (serial number attached to one transaction), the handling date and time, the distinction between execution / cancellation of the transaction, and transaction data (amount of money, etc.) are recorded. In FIG. 4D (g), when the reading button 46e is pressed, information 26a (for example, flag “1”) indicating the execution of the transaction is recorded, and when the cancel button 46d is pressed, the transaction is canceled. Information 26b (for example, flag “0”) is recorded. In the latter case, transaction data is not recorded. By doing so, it becomes possible to read log data from the memory 26 and specify the execution / cancellation of the transaction, and whether or not the transaction has actually been performed based on the handling number of the calculation sheet 60. Inquiries can be made. The data content of FIG. 6 can be printed and stored in a journal, or can be stored as an electronic journal. Such transaction execution / cancellation records can also be employed in the embodiments described below.

  FIG. 7 is a flowchart showing the operation of the foreign currency exchange machine according to the second embodiment. In FIG. 7, steps for performing the same processing as in FIG. The procedure from step S11 to S17 is exactly the same as the procedure described in step S11 to S17 in FIG. 3, and will be described briefly here. Transaction selection is performed on the transaction selection screen 40 of FIG. 4A (a) (step S11), and after selection of a pack is performed on the pack selection screen 41 of FIG. 4A (b) (step S12), the exchange of FIG. 4B (c) The transaction content is confirmed on the content confirmation screen 42 (step S13). Next, a name is input on the name input screen 43 in FIG. 4B (d) (step S14), and then a telephone number is input on the telephone number input screen 44 in FIG. 4C (e) (step S15). The calculation document issuance guide screen 45 in (f) is displayed, and the calculation sheet 60 shown in FIG. 5 is issued (step S16). Thereafter, the banknote acceptance guidance screen 46 in FIG. 4D (g) is displayed. When a banknote is inserted into the banknote entrance 4 and the reading button 46e is pressed, the acceptance of the banknote is confirmed (step S17), and FIG. A cash counting guidance screen 47 is displayed.

  When the counting of the cash is completed, a payment amount confirmation screen 48 shown in FIG. 8 is displayed on the touch panel 3 (step S18a). This deposit amount confirmation screen 48 is basically the same as the deposit amount confirmation screen 48 of FIG. 4E (i), but a message 48a prompting confirmation of the deposit amount is a message that guides receipt at the transaction statement slip window. The difference is that 48g is added. Since the other points are the same as those in the screen of FIG. 4E (i), the same reference numerals are given to the same parts in FIG. 8 as in FIG. 4E (i). As can be seen from the message 48g in FIG. 8, a user who needs a statement can go to the designated window after the transaction ends and receive the statement. The statement slip in this case is issued by the staff operating the issuing machine.

  After the amount is confirmed on the deposit amount confirmation screen 48, the processing guidance screen 49 in FIG. 4E (j) is displayed. When the processing is completed, the change release guidance screen 50 in FIG. 4F (k) is displayed. The change is released (step S19). Subsequently, the pack release guide screen 51 of FIG. 4F (l) is displayed, and the foreign currency pack is released (step S20).

  FIG. 9 shows an example of the printed statement slip 70. Here, “use statement” is printed, but “receipt” and “receipt” may be printed instead. In short, it is only necessary to objectively identify the form that proves the contents of the completed transaction. In the “detail form” in the present invention, all forms printed with the wording of that purpose are used. included. The statement slip 70 includes a transaction date, time, dealer number, transaction number, transaction type, quantity, subtotal, total foreign currency amount, exchange rate, yen amount, yen amount subtotal, total yen amount, deposit amount, change amount Items such as are printed. The fee item is not included here, but when collecting the exchange fee, the fee amount is also printed. Since the statement slip 70 has a transaction content proof function as described above, it is possible to print a mark 70a indicating approval for payment of a stamp tax declaration.

  As described above, in the second embodiment, since the message 48g for guiding receipt of the statement slip 70 at the window is displayed, a user who needs not only the calculation sheet 60 but also the statement slip 70 goes to the window. The detailed slip 70 issued by the attendant can be received. Further, it is only necessary to issue the statement slip 70 at the window only for those who wish to use the statement slip 70, and it is not necessary to issue the statement slip 70 in the foreign currency exchange machine A, so that waste of paper can be eliminated. .

  FIG. 10 is a flowchart showing the operation of the foreign currency exchange machine according to the third embodiment. In FIG. 10, steps that perform the same processing as in FIG. The procedure from step S11 to S17 is exactly the same as the procedure described in step S11 to S17 in FIG. 3, and will be described briefly here. Transaction selection is performed on the transaction selection screen 40 of FIG. 4A (a) (step S11), and after selection of a pack is performed on the pack selection screen 41 of FIG. 4A (b) (step S12), the exchange of FIG. 4B (c) The transaction content is confirmed on the content confirmation screen 42 (step S13). Next, a name is input on the name input screen 43 in FIG. 4B (d) (step S14), and then a telephone number is input on the telephone number input screen 44 in FIG. 4C (e) (step S15). The calculation document issuance guide screen 45 in (f) is displayed, and the calculation sheet 60 shown in FIG. 5 is issued (step S16). Thereafter, the banknote acceptance guidance screen 46 in FIG. 4D (g) is displayed. When a banknote is inserted into the banknote entrance 4 and the reading button 46e is pressed, the acceptance of the banknote is confirmed (step S17), and FIG. A cash counting guidance screen 47 is displayed.

  When the counting of the cash is finished, a payment amount confirmation screen 48 shown in FIG. 11A is displayed on the touch panel 3. This deposit amount confirmation screen 48 is basically the same as the deposit amount confirmation screen 48 of FIG. 4E (i), but a message 48h for guiding the issuance of a transaction statement slip is added to the message 48a for confirming the deposit amount. In addition, a statement slip issue button 48i is added. The statement slip issue button 48i constitutes an embodiment of the selection means of the present invention. Since the other points are the same as those in the screen of FIG. 4E (i), the same parts in FIG. 11A as those in FIG. 4E (i) are denoted by the same reference numerals. As can be seen from the message 48h in FIG. 11A, the user who needs the statement slip presses the statement slip issue button 48i. When the statement slip issuance button 48i is pressed, the statement slip issuance guidance screen 52 of FIG. On this screen 52, a message 52a prompting receipt of a statement slip, an image image 52b of a form exit 7 (see FIG. 1) from which the statement slip is released, and a message 52c telling prohibition of withdrawal of the statement slip being printed Is displayed. The statement form is printed by the form issuing unit 24 (see FIG. 2), and the statement form 70 shown in FIG. 9 is issued from the form takeout port 7 (step S18c). When the statement slip issuing button 48i is not pressed and the confirmation button 48f is pressed, the processing guidance screen 49 in FIG. 4E (j) is displayed and the statement slip 70 is not issued (step S18b).

  Thereafter, the change release guidance screen 50 of FIG. 4F (k) is displayed, and change is released (step S19). Subsequently, the pack release guide screen 51 of FIG. 4F (l) is displayed, and the foreign currency pack is released (step S20). In the above example, the statement slip 70 and the change are released separately, but they may be released simultaneously.

  As described above, in the third embodiment, the foreign currency exchange machine A is provided with a function for issuing both the statement 60 and the statement slip 70, and the statement slip 70 is issued only when the statement slip issuing button 48i is pressed. I have to. Therefore, a user who needs not only the statement 60 but also the statement slip 70 can obtain both the statement 60 and the statement slip 70 in the foreign currency exchange machine A without going to the window. Further, it is only necessary to issue the statement slip 70 only when the statement slip issuing button 48i is pressed, and it is not necessary to issue the statement slip 70 uniformly in all transactions, so that waste of paper can be eliminated.

  FIG. 12 shows the above-described three embodiments and the conventional example, whether or not a statement is issued, whether or not a statement slip is issued, issuance timing, whether or not a deposit amount or change amount is printed, and a stamp tax declaration payment approved mark is printed. It is the table | surface which showed the presence or absence compared.

  By the way, as mentioned above, issuing a calculation has the advantage that the transaction details can be confirmed in advance for the user, but for financial institutions, transactions that are subject to the stamp tax and are not subject to the stamp tax. There is an advantage that the business can be distinguished from the transaction. In other words, if the transaction performed on the transaction device is subject to stamp tax, a statement slip will be issued after the transaction is established, and if the transaction performed on the transaction device is not subject to stamp tax, before the transaction is concluded It is possible to operate such that only a calculation is issued and no statement slip is issued after the transaction is established. In the latter case, the statement slip is replaced with a statement slip, but as can be seen from a comparison between FIG. 5 and FIG. 9, the print item of the statement slip 60 overlaps with the print item of the statement slip 70. Since only the amount of money or change is not printed, the user is not inconvenienced so much. This eliminates the need to issue a statement and a statement slip twice.

  FIG. 13 is a flowchart showing a procedure in the transaction apparatus when such operation is performed. First, a transaction type is selected (step S31), and then data necessary for the transaction is input (step S32). Next, it is determined whether or not the transaction is a transaction subject to stamp tax (step S33). Here, whether or not the transaction is subject to the stamp tax may be automatically determined by the transaction device according to the type and amount of the transaction. It is possible to select a transaction to be performed and a transaction not to be subject to the stamp tax on the financial institution side, and to make a determination based on the selection result. If it is a transaction subject to stamp duty (step S33: YES), cash input is accepted (step S34). When cash is inserted, a calculation process is performed (step S35), and a statement slip is issued (step S36). Thereafter, change is released (step S37), and finally a transaction object such as cash or securities is released (step S38). On the other hand, if the transaction is not subject to stamp tax (step S33: NO), a calculation is issued (step S39), and then cash input is accepted (step S40). Processing is performed (step S41). Thereafter, change is released (step S37), and finally a transaction object such as cash or securities is released (step S38).

  In the above embodiment, as the foreign currency exchange machine A, a dedicated machine having only a foreign currency exchange function has been described as an example. However, a multifunction machine in which a foreign currency exchange function is added to another transaction apparatus may be used. In addition, the present invention is not limited to a foreign currency exchange machine, and an input unit that inputs transaction information by a user's operation, and a calculation unit that calculates an amount necessary for the transaction based on the transaction information input by the input unit The present invention can be applied to all transaction devices including transaction execution means for executing a predetermined transaction based on the amount calculated by the calculation means. Therefore, the present invention can also be applied to a transaction apparatus such as an ATM or a general exchange machine that exchanges money between Japanese yens. For example, in the case of ATM, the transaction amount including the transfer fee when performing the transfer can be known in advance, and in the case of a charged money changer, the transaction amount including the exchange fee can be known in advance.

It is an external view of the foreign currency exchange machine which is embodiment of this invention. It is the block diagram which showed the electrical structure of the foreign currency exchange machine. It is the flowchart which showed operation | movement of the foreign currency exchange machine by 1st Embodiment. It is an example of a transaction selection screen and a pack selection screen. It is an example of an exchange content confirmation screen and a name input screen. It is an example of a telephone number input screen and a calculation sheet issue guidance screen. It is an example of a bill reception guidance screen and a cash counting guidance screen. It is an example of a payment amount confirmation screen and a guidance screen during processing. It is an example of a change discharge guidance screen and a pack discharge guidance screen. It is a figure which shows an example of a calculation document. It is an example of the log data recorded on memory. It is the flowchart which showed operation | movement of the foreign currency exchange machine by 2nd Embodiment. It is an example of a payment amount confirmation screen. It is a figure which shows an example of a statement slip. It is the flowchart which showed operation | movement of the foreign currency exchange machine by 3rd Embodiment. It is an example of a payment amount confirmation screen. It is an example of a statement slip issue guidance screen. It is a comparison table of each embodiment of the present invention and a conventional example. It is the flowchart which showed the example of operation of the transaction apparatus of this invention. It is the flowchart which showed the operation | movement of the conventional foreign currency exchange machine.

Explanation of symbols

A Foreign currency exchange machine 3 Touch panel 4 Bank entry / exit 5 Pack take-out port 6 Coin take-out port 7 Form take-out exit 20 Control part 21 Banknote processing part 22 Coin processing part 23 Foreign currency withdrawal part 24 Form issue part 26 Memory 27 Customer operation part 28 Display part 48e Cancel button 48f Confirm button 48g Window receipt guidance message 48i Statement slip issue button 60 Calculation statement 70 Statement slip 70a Stamp tax declaration payment approval mark

Claims (8)

An input means for inputting transaction information by user operation;
Based on the transaction information input by the input unit, a calculation unit that calculates an amount required for the transaction;
Transaction execution means for executing a predetermined transaction based on the amount of money calculated by the calculation means;
Before the predetermined transaction is finalized, a transaction content including the amount calculated by the calculation means is printed, and a calculation sheet in which a mark indicating approval for payment of a tax stamp is not printed on a statement slip issued after the transaction is completed A statement issuing means to issue instead ;
Transaction apparatus comprising the. The transaction apparatus according to claim 1,
It further comprises display means for displaying a guidance message to the user,
The display means displays a screen for confirming a transaction content, displays a screen for guiding the issuance of the calculation document after confirming the transaction content, and displays a screen for guiding the acceptance of money after the calculation sheet is issued. A transaction device. In the transaction apparatus according to claim 1 or claim 2,
The transaction content printed on the calculation form includes a fee amount. The transaction apparatus according to claim 1,
It further comprises display means for displaying a guidance message to the user,
The said display means displays the message which guides the receipt at the window of the said statement slip regarding the transaction performed by the said transaction execution means, after accepting payment of the amount of money required for the said transaction . The transaction apparatus according to claim 1,
A detailed statement issuing means for issuing the detailed statement on transactions executed by the transaction execution means,
Selecting means for selecting whether or not to issue the statement slip;
Further comprising
The transaction slip issuing means issues a description slip only when issue of a slip is selected by the selection means. The transaction device according to claim 5 ,
The statement issued by the statement issuing means shall not be printed with a mark indicating approval for payment of the stamp tax declaration, and the statement slip issued by the statement slip issuing means shall be printed with a mark indicating approval for payment of the tax tax declaration. A characteristic transaction device. In the transaction apparatus in any one of Claims 1 thru | or 6 ,
A cancellation command means for instructing cancellation of the transaction after the statement issuing means has issued the statement;
An execution command means for commanding execution of a transaction after the calculation form issuing means issues a calculation form;
A recording means for recording the status of each transaction for each transaction;
Further comprising
When cancellation of the transaction is instructed by the cancellation instruction means, the cancellation of the transaction is recorded in the recording means, and when execution of the transaction is instructed by the execution instruction means, the execution of the transaction is recorded in the recording means The transaction apparatus characterized by doing. An input means for inputting transaction information by user operation;
Based on the transaction information input by the input unit, a calculation unit that calculates an amount required for the transaction;
Transaction execution means for executing a predetermined transaction based on the amount of money calculated by the calculation means ;
A detailed statement issuing means for issuing a detailed statement in which printing contents of a transaction executed by the transaction execution means,
Prior to the completion of the predetermined transaction , transaction details including the amount calculated by the calculation means are printed, and a statement not printed with a mark representing approval of payment of tax stamp payment is issued after the transaction is completed A statement issuing means to issue instead of ;
Equipped with a,
When transactions are executed is a transaction to be stamp duty issues a detailed statement by the itemized issuing means after transaction establishment,
When the transaction to be executed is a transaction that is not subject to the stamp tax, the transaction device issues only the calculation statement by the calculation statement issuing means before the transaction is established .

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