JP5119905B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to a customer-operated automatic transaction apparatus capable of performing a withdrawal process with money exchange installed in a financial institution such as a bank or a convenience store.

As a conventional automatic transaction apparatus, there is an apparatus for inputting a withdrawal amount by a combination of the number of coins designated by a numeric button (numeric keypad) and a denomination button. In such an automatic transaction apparatus, for example, “10” is displayed with a numeric button. When the user presses “1000” with the denomination button and inputs “10,000 yen”, ten thousand yen bills are dispensed (see, for example, Patent Document 1).
JP 2001-344636 A

However, in the above-described conventional technology, for example, the intention is to withdraw 1 million yen bill and 1 thousand yen bill, that is, the money type is "11,000 yen" and the denomination is "11" If "1000 yen" is entered, 11 thousand yen bills are withdrawn, and there is a problem that the desired amount and number of withdrawals cannot be obtained.
An object of the present invention is to solve such a problem.

  Therefore, the present invention displays a numeric button and a denomination button on the screen of the customer operation unit, and an automatic transaction for inputting a withdrawal amount by a combination of the number of coins input by the numeric button and the input of the denomination by the denomination button. In the device, when the number of coins that can be converted into another denomination whose amount is larger than the denomination is input as the withdrawal amount, a selection screen for selecting whether or not to exchange is displayed on the customer operation unit. When money exchange is selected, the money is exchanged into cash of another denomination whose amount is larger than the input denomination, and is withdrawn.

  In the present invention as described above, even when the customer makes a mistake in inputting the denomination and number of coins during the withdrawal transaction, in order to check whether or not the customer will exchange money, the denomination and number of cash desired by the customer are issued. The effect that money can be obtained is obtained.

  Embodiments according to the present invention will be described below with reference to the drawings.

Example 1
FIG. 1 is an internal block diagram of an automatic transaction apparatus according to each embodiment, and FIG. 2 is an external explanatory view of the automatic transaction apparatus.
1 and 2, 1 is an automatic transaction apparatus, and 2 is a main control unit that controls the operation of each unit.

  Reference numeral 3 denotes a customer operation unit that guides an operation to a customer and executes an input operation by the customer. The customer operation unit 3 includes a display unit using a liquid crystal display or the like and an input unit using a touch panel arranged on the self-display unit. A screen with various messages for instructing operations and various input keys are displayed, and the input key can be used to input information defined in the input keys by pressing (touching) the input keys with a finger. The input information is displayed.

  4 is a card reader printer that reads the transaction card holding data and the image of the emboss on the card surface and creates a transaction statement, 5 is a passbook entry machine that prints the transaction contents on the transaction passbook, 6 is the identification, counting, Banknote depositing / dispensing machine for storing, dispensing, discriminating, counting and withdrawing banknotes, 7 is a coin depositing / dispensing machine for identifying, counting, storing and dispensing coins, counting and withdrawing coins , 8 is an interface for performing data communication with a host computer (not shown) provided in the center when the automatic transaction apparatus 1 executes a transaction.

  9 is a card insertion / discharge port for card insertion / discharge of the card reader printer 4 and discharge of statement slips, 10 is a banknote insertion / discharge port for inserting / ejecting banknotes into / from the banknote depositing / dispensing machine 6, and 11 is a bankbook entry machine. 5 is a passbook insertion / discharge port for inserting / ejecting a transaction passbook, 12 is a coin insertion / discharge port for inserting / ejecting coins into / from the coin depositing / dispensing machine 7, 13 detects the presence of a customer in front of the automatic transaction apparatus 1 Proximity sensor.

The operation of the above configuration will be described with reference to the flowchart of FIG.
The operation of each unit described below is controlled by the main control unit 2 based on a program (software) stored in a storage unit (not shown).
In the following description, reading of data from a transaction card, inputting of a personal identification number, and data communication with a host computer are performed as usual, and the description thereof is omitted.
S1. A customer initiates a withdrawal transaction using an automated transaction device.
S2. The withdrawal amount is input by the customer operation unit 3. In this case, a number button and a denomination button are displayed on the screen of the customer operation unit 3, and a withdrawal amount is input by a combination of the number of sheets designated by the number button and the designation of the denomination by the denomination button.
S3. The withdrawal amount is confirmed by pressing a confirmation button displayed on the screen of the customer operation unit 3.
S4. It is determined whether or not there are 11 or more 1000 yen vouchers input at the time of inputting the amount in S2.
S5. When it is determined in S4 that the number of thousand yen coupons input is 10 or less, bill counting is performed with the same denomination and number as input in S2.
S6. If it is determined in S4 that there are 11 or more 1000 yen coupons input, a selection screen for selecting whether to withdraw money with the same denomination or exchange money is displayed on the customer operation unit 3.

  FIG. 4 is a diagram showing an example of this selection screen. In this example, the withdrawal amount input in S4 is 15000 yen, the denomination is 1000 yen, and the number is 15. A message prompting you to press the confirmation button if you want to withdraw money with the denomination and number entered together with the denomination and number, and if you want to exchange 10 thousand yen vouchers for 1 million yen voucher And a confirmation button and a change button are displayed.

The customer selects whether to withdraw with the denomination and the number of coins entered on this selection screen or with exchange, by pressing the confirmation button or the exchange button.
When the confirmation button is pressed by the customer, the process proceeds to S5, and the banknote count of 15 denominations and the number of coins, that is, in this case, 15 thousand yen coupons is performed.
S7. When the customer presses the exchange button, for example, if the denomination is 1000 yen and the number is 15, as described above, the main control unit 2 converts 10 thousand yen tickets to 1 million yen ticket. The bill is counted for 1 million yen and 5 thousand yen.
S8. The banknotes counted in S5 or S7 are withdrawn from the banknote outlet.
S9. The transaction is finalized and the customer's withdrawal transaction ends.

As described above, in the first embodiment, when a customer intentionally inputs a thousand yen denomination and 11 or more denominations at the time of a withdrawal transaction, the same denomination and number are used without intention. Even if you enter a thousand-yen denomination and 11 or more denominations, you can exchange 10 thousand-yen coupons for 1-million-yen coupon and correct customer's operation mistakes. .
Example 2
Since the internal block diagram of the automatic transaction apparatus is the same as that of the first embodiment, description thereof is omitted.
The effect | action of the structure mentioned above is demonstrated using the flowchart of FIG.

The operation of each unit described below is controlled by the main control unit 2 based on a program (software) stored in a storage unit (not shown) as described above.
In the second embodiment, the data reading from the transaction card, the input of the personal identification number, and the data communication with the host computer are performed as usual, and the description thereof is omitted.
Sa1. A customer initiates a withdrawal transaction using an automated transaction device.
Sa2. The withdrawal amount is input by the customer operation unit 3 in the same manner as in the first embodiment.
Sa3. The withdrawal amount is confirmed by pressing a confirmation button displayed on the screen of the customer operation unit 3.
Sa4. It is determined whether or not there are 11 or more 1000 yen vouchers input at the time of inputting the amount in Sa2.
Sa5. When it is determined in Sa4 that the number of thousand yen coupons input is 10 or less, the bills are counted with the denomination and the number of sheets as input in Sa2.
Sa6. When it is determined at Sa4 that there are 11 or more 1000 yen coupons input, a confirmation screen for confirming whether to withdraw with the same denomination or exchange with money is displayed on the customer operation unit 3.

  FIG. 6 is a diagram showing an example of this confirmation screen. In this example, the withdrawal amount input in Sa4 is 36000 yen, and the denomination and number are 36 thousand yen vouchers. A button to select a combination of 3 tickets, 1 5,000 yen ticket, 1 thousand yen ticket, a combination of 3 million yen tickets, 6 thousand yen tickets, and 36 thousand yen tickets A message that prompts the user to press a confirmation button after selecting a combination and a confirmation button are displayed.

The main control unit 2 obtains the exchange combination by calculation, and the customer selects the combination of the denomination and the number of banknotes to be dispensed on this selection screen, and further presses the confirmation button.
Here, when the button for selecting withdrawal with “36 thousand yen coupons” and the confirmation button are pressed, it is assumed that the combination of denominations has not been selected, and the denomination is as entered after moving to Sa5. The number of bills, that is, 36 thousand yen bills in this case, is counted.
Sa7. In Sa6, a button for selecting a combination of “three thousand yen coupons, one 5,000 yen coupon, one thousand yen coupon” or “three thousand yen coupons, six thousand yen coupons” and a confirmation button are pressed. If it is, banknote counting is performed with the selected combination of denominations and number.
Sa8. The banknotes counted in Sa5 or Sa7 are withdrawn from the banknote outlet 10.
Sa9. The transaction is finalized and the customer's withdrawal transaction ends.

As described above, in the second embodiment, even when the customer inputs the denomination of the thousand yen ticket and the number of 11 or more at the time of the withdrawal transaction, the withdrawal is made as it is or the withdrawal is exchanged to the displayed combination. This makes it possible to select whether or not to correct a customer's operation mistake.
Example 3
Since the internal block diagram of the automatic transaction apparatus is the same as that in the first embodiment, the description thereof will be omitted, but in this embodiment, it is assumed that the storage unit (not shown) has exchange transaction bits.

The effect | action of the structure mentioned above is demonstrated using the flowchart of FIG.
The operation of each unit described below is controlled by the main control unit 2 based on a program (software) stored in a storage unit (not shown) as described above.
Also in the third embodiment, the data reading from the transaction card, the input of the personal identification number, and the data communication with the host computer are performed as usual, and the description thereof is omitted.
Sb1. A customer initiates a withdrawal transaction using an automated transaction device.
Sb2. The withdrawal amount is input by the customer operation unit 3 in the same manner as in the first embodiment.
Sb3. The withdrawal amount is confirmed by pressing a confirmation button displayed on the screen of the customer operation unit 3.
Sb4. It is determined whether or not there are 11 or more 1000 yen vouchers input at the time of inputting the amount in Sb2.
Sb5. If it is determined in Sb4 that there are 11 or more 1000 yen coupons input, the exchange transaction bit is turned ON (b = 1).
Sb6. Bill counting is performed with the denomination and number of sheets as input in Sb2.
Sb7. The banknotes counted in Sb6 are withdrawn from the banknote outlet 10.
Sb8. The transaction is finalized and the customer's withdrawal transaction ends.
Sb9. It is determined whether the exchange transaction bit is ON (b = 1).
Sb10. When the exchange transaction bit is ON (b = 1), the exchange guidance screen is displayed on the customer operation unit 3.

FIG. 8 is a diagram showing an example of this exchange guidance screen. It is possible to continue the exchange transaction, and press the button for the exchange transaction and press the normal transaction selection screen button to return to the normal transaction selection screen. A currency exchange button and a normal transaction selection screen button are displayed together with a prompting message.
Sb11. It is determined whether or not the proximity sensor 13 detects a customer.
Sb12. When the proximity sensor 13 detects the customer, it is determined whether the exchange transaction button on the customer operation unit 3 screen has been pressed.
Sb13. If it is determined in Sb12 that the exchange transaction button has not been pressed, it is determined whether the normal transaction selection screen button on the customer operation unit 3 screen has been pressed. If not, the process proceeds to Sb11.
Sb14. When the exchange transaction button is pressed in Sb12, the banknote insertion slot 10 is opened and the exchange transaction is executed.

In this case, a screen prompting the user to insert the banknote withdrawn in Sb7 is displayed on the customer operation unit 3. For example, when a 1000 yen ticket is inserted and the number of inserted sheets is counted as 10 or more, it is exchanged for a 10,000 yen ticket. Withdraw money.
Sb15. When the proximity sensor 13 does not detect the customer in Sb11, when the exchange transaction in Sb14 is completed, or when the normal transaction selection screen button is pressed in Sb13, the main control unit 2 turns off the exchange transaction bit (b = 0). ).
Sb16. A normal transaction selection screen is displayed on the customer operation unit 3 screen.

As described above, in the third embodiment, when the customer inputs the denomination of the thousand yen ticket and the number of 11 or more coins at the time of the withdrawal transaction, the withdrawal is made with the same input denomination, and immediately after that Since it is possible to shift to a currency exchange transaction in which the banknotes that have been withdrawn are accepted and exchanged, it is possible to exchange 1,000 yen vouchers into 10,000 yen vouchers.
In each of the above-described embodiments, the denomination is a thousand yen ticket and the number of sheets is 11 or more. This is one example, and this number is an example and can be exchanged for a 10,000 yen ticket. It may be 10 or more.

In addition to exchanging 1,000 yen tickets for 10,000 yen tickets and 5,000 yen tickets, it is also possible to exchange them for 10,000 yen tickets when the denomination is 2,000 yen or 5,000 yen. In this case, the number of branch points to the exchange transaction can be arbitrarily set according to the exchange target amount.
Moreover, although each Example demonstrated the withdrawal transaction of the banknote, it is applicable similarly to the withdrawal transaction of a coin, and also when the handling currency of an apparatus is a foreign currency, it is applicable.

Internal block diagram of an automatic transaction apparatus showing an embodiment External view of automatic transaction equipment Flow chart of the first embodiment The figure which shows the example of the selection screen of Example 1. Flow chart of embodiment 2 The figure which shows the example of the selection screen of Example 2 Flow chart of embodiment 3 The figure which shows the example of the exchange guidance screen of Example 3.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Main control part 3 Customer operation part 4 Card reader printer 5 Passbook bookkeeping machine 6 Banknote depositing / withdrawing machine 7 Coin depositing / withdrawing machine 8 Interface 9 Card insertion slot 10 Banknote insertion / discharge slot 11 Passbook insertion / discharge slot 12 Coin Insertion / discharge port 13 Proximity sensor

Claims (4)

In an automatic transaction apparatus that displays a number button and a denomination button on the screen of the customer operation unit, and inputs a withdrawal amount by a combination of the number of input by this number button and the input of the denomination by the denomination button,
When the amount of money that can be converted into other denominations that are larger than that denomination is entered as the withdrawal amount, a selection screen for selecting whether or not to exchange is displayed on the customer operation unit. When selected, the automatic transaction apparatus is characterized by exchanging money with cash of another denomination whose amount is larger than the input denomination. In the automatic transaction apparatus of Claim 1,
An automatic transaction apparatus that displays an input denomination and the number of input on the selection screen, and when the exchange is selected, the money is exchanged into one denomination having a larger amount of money than the input denomination and is withdrawn. . In the automatic transaction apparatus of Claim 1,
An automatic transaction apparatus characterized in that a combination of denominations and number of sheets that can be exchanged is displayed on the selection screen, and the money is exchanged into the selected combination of cash. In an automatic transaction apparatus that displays a number button and a denomination button on the screen of the customer operation unit, and inputs a withdrawal amount by a combination of the number of input by this number button and the input of the denomination by the denomination button,
When the withdrawal amount according to the denomination and number is entered, immediately after withdrawing the denomination and the number of cash as entered, the customer operation unit displays the exchange guidance screen that can be transferred to the exchange transaction, and the exchange transaction When selected, the automatic transaction apparatus accepts the withdrawn cash and exchanges it for cash of another denomination whose amount is larger than the accepted cash denomination.

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