JP6491450B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine that automatically performs transactions with customers.

  A conventional automatic transaction apparatus includes an operation unit that accepts input according to a transaction from a customer, a banknote deposit / withdrawal mechanism unit having a banknote storage that stores banknotes deposited by customers and banknotes to be dispensed to customers, The coin mechanism is equipped with a coin deposit / withdrawal mechanism unit, a card mechanism unit, a passbook mechanism unit, etc. that has a coin storage to store coins that are deposited and withdrawn to customers. Banknotes that accept a cash card, enter a PIN at the operation unit, enter a withdrawal amount at the operation unit, establish a transaction by communicating with the host computer, and constitute a withdrawal amount from the banknote deposit and withdrawal mechanism unit The coins constituting the withdrawal amount are paid out from the coin deposit / withdrawal mechanism unit and discharged to the customer (for example, see Patent Document 1).

JP 2014-102690 A (paragraphs 0012-0015, 0018-0022, FIGS. 2 and 6)

However, in the above-described conventional technology, the coin storage is a distribution coin (referred to as a coin currently distributed in the current market) by denomination (1 yen, 5 yen, 10 in the case of Japan). Yen, 50 Yen, 100 Yen, 500 Yen), and the banknote storage is a denomination (in the case of Japan, 1000 Yen) of denominated banknotes (referred to banknotes in circulation in the current market). Bills, 2,000 yen bills, 5,000 yen bills, 10,000 yen bills), and the coins and / or bills constituting the withdrawal amount are discharged to the customer. For this reason, for example, even when commemorative coins and commemorative banknotes issued when special events such as the Olympics are held (when these are collectively referred to as commemorative money), the existing automatic teller machine However, there is a problem that the commemorative money as the specific money cannot be discharged and the customer's request cannot be met.

In addition, when an automatic teller machine is used to discharge commemorative money and a dedicated storage for commemorative money is provided in addition to a denomination of money, the normal automatic teller machine must be significantly modified. For this reason, there is a problem that the automatic teller machine itself is increased in size, requiring a change in installation location and a reduction in the number of installed equipment, and an increase in the manufacturing cost of the automatic teller machine.
In addition, commemorative money is issued in less quantity than current currency, and commemorative money is rarely distributed as a commemoration of the event, so if you have a separate storage for commemorative money, After all the commemorative money has been issued, the use of the storage box dedicated to commemorative money is lost. For this reason, there is a problem that it is necessary to continue to use an automatic teller machine that has been unduly enlarged.
The present invention has been made to solve the above-described problems, and an object of the present invention is to provide means for discharging commemorative money using an existing automatic teller machine .

The present invention, in order to solve the above problems, the automatic transaction apparatus having a display unit for accepting input of transaction amount, a plurality of money storage box for storing the flow currency denomination, and the denomination accommodated When at least one of the storages is set in a specific money storage for storing specific money as commemorative money, and as a predetermined condition, a language notation different from the language normally indicated on the display unit is made, When the specific money discharge selection screen is displayed on the display unit so as to select whether or not to discharge the specific money, and when the discharge of the specific money is selected from the specific money selection discharge screen, the transaction amount and the flow currency of the amount obtained by subtracting the amount corresponding to the face value of the specific money from, characterized by discharging said particular money.

As a result, the present invention provides an effect that it is possible to easily discharge commemorative money that is not normally discharged using an existing automatic teller machine .

The block diagram which shows the automatic teller machine of Example 1 Explanatory drawing which shows the external appearance of the automatic teller machine of Example 1 The block diagram which shows the coin deposit and withdrawal part of Example 1. Explanatory drawing which shows the set money type at the normal time of the coin storage of the coin type of Example 1 The block diagram which shows the banknote depositing / withdrawing part of Example 1. Explanatory drawing which shows the set money type at the normal time of the personal classification banknote storage of Example 1. The flowchart which shows the discharge process of the commemorative coin of Example 1. Explanatory drawing which shows the setting denomination at the time of commemorative coin discharge | emission of the coin-type coin storage of Example 1 Explanatory drawing which shows the example of a display of the transaction selection screen of Example 1. Explanatory drawing which shows the example of a display of the withdrawal amount input screen of Example 1. Explanatory drawing which shows the example of a display of the payment amount confirmation screen of Example 1. Explanatory drawing which shows the example of a display of the commemorative coin classification selection screen of Example 1. Explanatory drawing which shows the example of a display of the commemorative coin discharge content confirmation screen of Example 1. Explanatory drawing which shows the other aspect of the setting denomination at the time of commemorative coin discharge | emission of the coin-type coin storage of Example 1 Explanatory drawing which shows the other aspect of the setting denomination at the time of commemorative coin discharge | emission of the coin-type coin storage of Example 1 Explanatory drawing which shows the setting money type at the time of commemorative banknote discharge of the money-type banknote storage of Example 1. The flowchart which shows the discharge processing of the commemorative banknote of Example 1. Explanatory drawing which shows the example of a display of the commemorative banknote type selection screen of Example 1. Explanatory drawing which shows the example of a display of the commemorative banknote discharge content confirmation screen of Example 1. The flowchart which shows the discharge process of the commemorative coin of Example 2. The flowchart which shows the discharge process of the commemorative coin of Example 3. Explanatory drawing which shows the example of a display of the foreign language transaction selection screen of Example 3.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

Below, the automatic teller machine of a present Example is demonstrated using FIG. 1 thru | or FIG.
1 and 2, an automatic teller machine 1 as an automatic transaction apparatus is installed in a branch of a financial institution such as a bank or a store such as a convenience store, and automatically performs transactions with customers.
A host computer 2 as a host device installed in a financial institution center or the like is connected to an automatic teller machine 1 installed in a store via a communication line 3 such as a dedicated line or a telephone line. The host computer 2 also provides account information such as the financial institution name, store number, account number, account subject, etc. of the account of the customer who is the account opener, and customer information such as a PIN, account balance, fixed deposit amount, transaction history, etc. To manage customer accounts.

The control unit 5 of the automatic teller machine 1 is connected to the host computer 2 through the communication line 3 and has a function of controlling each part in the automatic teller machine 1 to execute transaction processing and the like. Yes.
The storage unit 6 stores a program executed by the control unit 5, various data used for the program, a processing result by the control unit 5, and the like.
The display unit 7 is provided on the front surface of the automatic teller machine 1, and includes a display screen 7a such as an LCD, a touch panel as input means, and the like. Further, the display unit 7 displays various input screens such as a transaction selection screen and a transaction amount input screen, a screen for prompting the customer's treatment, and the like on the display screen 7a, and receives input from the customer by the input means.

The card handling unit 8 has a function of reading and writing card information such as customer account information recorded on a magnetic stripe or IC chip of a transaction card such as a customer's cash card or credit card inserted from the card insertion slot 8a. And has a function of printing transaction contents on a statement slip.
The passbook handling unit 9 has a function of reading and writing the passbook information recorded on the magnetic stripe, IC chip, etc. of the customer's passbook inserted from the passbook insertion slot 9a, and the function of writing the transaction contents in the customer's passbook, etc. have.

The coin deposit / withdrawal unit 10 accepts coins inserted by the customer through the coin deposit / withdrawal port 11 at the time of deposit transaction or the like according to a command from the control unit 5, discriminates and counts the coins, and stores them in the storage. It has a function of paying out coins to be paid to the customer from the storage, and counting and discharging them from the coin deposit / withdrawal port 11 to be delivered to the customer.
As shown in FIG. 3, the coin deposit / withdrawal unit 10 of this embodiment accepts coins inserted by a customer and collects coins / withdrawal ports 11 that collect coins to be paid to the customer, and various discriminations regarding coins (the authenticity of the coins). , Coin discrimination unit 12 for carrying out recognition of damages, denominations, denominations, etc., determination of conveyance abnormality such as chaining, double feeding, etc., a plurality of denomination coin storages 13 for storing coins by denomination, denomination coin storage By a coin recovery box 14 for storing coins that can no longer be stored in the warehouse 13 by mixing denominations, a coin transport path for transporting coins between them, a coin transport section 15 comprising a switching mechanism, a drive mechanism, etc. It is configured.

  Moreover, the normal setting denominations of the six denomination coin storages 13a to 13f of the coin deposit / withdrawal unit 10 of the present embodiment are set for all denominations of circulation coins as shown in FIG. The denominated coin storage 13a is a storage for storing 1-yen coins, the denomination-type coin storage 13b is a storage for storing 5-yen coins, the denomination-type coin storage 13c is a storage for storing 10-yen coins, and the denomination The coin storage 13d is a storage for storing 50 yen coins, the denominated coin storage 13e is a storage for storing 100 yen coins, and the denominated coin storage 13f is a storage for storing 500 yen coins. Is done.

The banknote deposit / withdrawal unit 20 receives banknotes inserted by the customer through the banknote deposit / withdrawal port 21 at the time of deposit transaction, etc., according to instructions from the control unit 5, discriminates and counts them, and stores them in the storage. It has a function of paying out banknotes to be paid to the customer from the storage box at some time, counting them, discharging them from the banknote deposit / withdrawal port 21 and delivering them to the customers.
As shown in FIG. 5, the banknote deposit / withdrawal unit 20 of the present embodiment accepts banknotes inserted by customers and collects banknote deposit / withdrawal ports 21 for collecting banknotes to be paid to customers, and various discriminations regarding banknotes (authenticity of banknotes). Banknote discriminating unit 22 for performing denomination, denomination, denomination, etc., judgment of conveyance abnormality such as chaining, double feeding, skewing, etc., denomination banknote storage 23 for storing banknotes in denominations, It is comprised by the banknote conveyance path | route 25 which consists of a banknote conveyance path which conveys a banknote, its switching mechanism, and a drive mechanism.

  Moreover, as shown in FIG. 6, the setting money type at the normal time of the four money-type banknote storages 23a to 23d of the banknote depositing / withdrawing unit 20 of the present embodiment is set for each denomination of circulation banknotes. The money-type banknote storage 23a is a storage for storing thousand yen banknotes (referred to as “thousands”), and the money-type banknote storages 23b and 23c are storages for storing 10,000 yen banknotes (referred to as “million-tickets”). The storage 23d is set so as to be a storage for storing 2,000 yen bills (referred to as 2,000 tickets) and 5,000 yen bills (referred to as 5,000 tickets) in a mixed manner.

The money-type banknote storage 23d that stores a mixture of 2,000 and 5,000 tickets is a storage that stores the deposited 2,000 or 5,000 tickets, and is stored 2,000 tickets. Or 5,000 tickets will not be paid out during withdrawal transactions. That is, in the automatic teller machine 1 of the present embodiment, the withdrawal transaction is performed with only 10,000 and 1,000 tickets.
Below, the memorial money discharge | emission process by the automatic teller machine 1 of a present Example is demonstrated.

First, a case where two kinds of commemorative coins having a face value of 1000 yen and 500 yen are issued will be described.
The host computer 2 of this embodiment is preinstalled with a normal account management program having functions such as authenticating and managing deposits and withdrawals of customer accounts by communicating with the automatic teller machine 1. Each functional means of the host computer 2 of this embodiment is formed by the steps of the account management program executed by the computer 2.

The storage unit 6 of the automatic teller machine 1 according to the present embodiment has a function of accepting an input of a transaction selected by a customer and communicating with the host computer 2 based on this to automatically perform a transaction process with the customer. A business process execution program in which an application program having a function of performing a memorial money discharge process (details will be described later) at the time of a withdrawal transaction described with reference to FIG. Each functional means of the automatic teller machine 1 of this embodiment is formed by the steps of the business process execution program executed by the control unit 5.
In addition, when the commemorative coin is discharged, the storage unit 6 has a predetermined amount (in this embodiment, for determining the condition) in order to make a predetermined condition that the withdrawal amount is a certain amount or more. 50,000 yen) is preset and stored.

Further, the set denomination of each denomination coin storage 13 shown in FIG. 8 is preset and stored in the storage unit 6. In this embodiment, the set denomination of the denomination coin storage 13b is stored. The normal coins are switched from 5 yen to 1000 yen commemorative coins, and the denomination of the coin-type coin storage 13f is switched from 500 yen to 500 yen commemorative coins. Yes.
In this case, the set denomination is switched by selecting a denomination that can be withdrawn with a certain denomination (referred to as a non-substitution denomination.

That is, a coin having a face value of the smallest number (1, 10, 100, etc.) representing a number of each number representing a decimal place in decimal notation is referred to as an alternative denomination coin (also referred to as an alternative coin). , Coins with denomination type coins (also referred to as non-substitute coins) with coins whose face value is an intermediate number (5, 50, 500, etc.) in the middle of the number representing the rank. The setting of 13 denominations is switched so as to store commemorative coins.
For example, if a non-replacement coin is a 5-yen coin, a substitute coin is a 1-yen coin, and a 5-yen coin is replaced with 5 1-yen coins, the coin-type coin storage 13b for storing 5-yen coins is commemorated by 1000 yen. Even when switching to a storage for storing coins, the number of discharged sheets at the time of withdrawal does not increase abnormally, and it can be limited to a case where it is extremely unreasonable to exceed the number of discharged sheets at the time of withdrawal.

In this case, it is desirable to select non-alternative denominations in order from the denomination with the lowest handling frequency in the store where the automatic teller machine 1 is installed. This is because it is possible to make it difficult to give an image of a function down to a normal customer who uses only circulating coins.
As the set denomination of each denomination banknote storage 23, the normal set denomination shown in FIG. 6 is set in advance and stored in the storage unit 6.
Moreover, the coin discriminating unit 12 is configured to discriminate that the discriminated coin is a commemorative coin and its face value when discriminating the coin at the time of withdrawal.

Below, the processing operation | movement of the discharge process of the commemorative coin in the commemorative money discharge process by the automatic teller machine 1 of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG.
The commemorative money discharging process of the present embodiment is executed only when the customer selects the withdrawal transaction.
When a staff member at a financial institution turns on the automatic teller machine 1 at the start of business or the like, the business process execution program stored in the storage unit 6 of the automatic teller machine 1 is automatically activated.

S1: When the business process execution program is activated, the control unit 5 of the automatic teller machine 1 displays the transaction selection screen shown in FIG. 9 on the display screen 7a of the display unit 7 and stands by by the business process execution program.
On the transaction selection screen, the “draw” button for withdrawal transactions, the “deposit” button for deposit transactions, the “transfer” button for transfer transactions, and unfilled transaction data in the passbook Transaction selection buttons for selecting various transactions, such as the "Passbook entry" button for passbook entry transactions, the "Balance inquiry" button for balance inquiry transactions for inquiring account balances, and a screen in English in the upper right corner A foreign language notation selection button such as an “English” button for selecting a notation is displayed.

In this embodiment, the customer selects a withdrawal transaction, and presses the “withdrawal” button from the display screen 7a using the touch panel.
S2: Recognizing the transaction selected by the customer as a withdrawal transaction, the control unit 5 displays a transaction card insertion request screen on the display screen 7a displaying a message for prompting the insertion of the transaction card, and the customer performs the transaction according to this. The card is inserted into the card insertion slot 8a of the card handling unit 8.

At this time, the control unit 5 reads the card information such as the customer account number recorded in the magnetic stripe of the transaction card by the card handling unit 8 and temporarily stores the read card information in the storage unit 6.
S3: The control unit 5 that has read the card information displays, on the display screen 7a, a message for prompting the input of a password, a password display column, a numeric keypad for the input, and a “correction” for correcting an input error. A password input screen with a “” button and the like is displayed.
The customer inputs the password using the numeric keypad displayed from the password input screen.

S4: The control unit 5 that has recognized the input personal identification number displays a withdrawal amount input screen shown in FIG. 10 on the display screen 7a.
On the withdrawal amount input screen, the withdrawal amount display field that is the transaction amount, the numeric keypad for the entry, the "correction" button to correct the input mistake, and the instruction to end the withdrawal amount entry The “circle” button and the like are displayed.
The customer inputs the withdrawal amount using the numeric keypad displayed from the withdrawal amount input screen and presses the “yen” button.
S5: The control unit 5 that has recognized the withdrawal amount input by pressing the “yen” button proceeds to step S7 when the recognized withdrawal amount is equal to or greater than the prescribed amount (50,000 yen in this embodiment). . If the withdrawal amount is less than the prescribed amount, the process proceeds to step S6.

S6: The control unit 5 that has determined that the withdrawal amount is less than the prescribed amount displays a message prompting confirmation of the withdrawal amount on the display screen 7a, display of the entered withdrawal amount, and confirmation of the withdrawal amount. A normal withdrawal amount confirmation screen displaying a “confirm” button and a “cancel” button for canceling the transaction is displayed.
The customer confirms the displayed withdrawal amount and presses the “confirm” button, and the control unit 5 that has accepted this proceeds to step S9.
If the “Cancel” button is pressed, the control unit 5 that has received this button ends the current transaction process, returns to Step S1, displays the transaction selection screen on the display screen 7a, and stands by.

S7: The control unit 5 that has determined that the withdrawal amount is equal to or greater than the prescribed amount displays a withdrawal amount confirmation screen as a specific money discharge selection screen shown in FIG. 11 on the display screen 7a.
In the withdrawal amount confirmation screen of this embodiment, in order to select a statement for prompting confirmation of the withdrawal amount and a statement for accepting the discharge of the commemorative coin, display of the input withdrawal amount, and discharge of the commemorative coin The “commemorative coin request” button, the “confirm” button for confirming the withdrawal amount, the “cancel” button for canceling the transaction, and the like are displayed.
The customer selects the “commemorative coin request” button to select the commemorative coin discharge, the “confirm” button to confirm the withdrawal amount without selecting the commemorative coin discharge, and the “confirm” button to cancel the transaction. Press the “Cancel” button.

S8: The control unit 5 that has accepted the pressing of the button displayed on the display screen 7a proceeds to step S10 when the “commemorative coin request” button is pressed. When the “confirm” button is pressed, the process proceeds to step S9.
When the “cancel” button is pressed, the control unit 5 ends the current transaction process, returns to step S1, displays the transaction selection screen on the display screen 7a, and stands by.
S9: The control unit 5 that has shifted from the above step S6 or S8 calculates the number of withdrawal moneys that constitute the withdrawal amount, temporarily stores it in the storage unit 6 as the withdrawal money configuration, and proceeds to step S12. To do.

S10: Upon receiving the “commemorative coin request” button press, the control unit 5 displays a commemorative coin type selection screen shown in FIG. 12 on the display screen 7a.
On the commemorative coin type selection screen, a message that prompts the user to select a commemorative coin type, buttons for selecting commemorative coins that can be ejected (in this description, the “1000 yen coin” button and the “500 yen coin” button), and the previous screen A “return to previous screen” button for redisplaying, a “next” button for shifting to the next screen, a “cancel” button for canceling the transaction, and the like are displayed.

When the customer selects the type of commemorative coin, he or she presses one or both of the selection buttons and then presses the “Next” button (in this description, the customer selects the “1000 yen coin” button. It will be described as if the “Next” button was pressed.)
When the “cancel” button is pressed, the control unit 5 ends the current transaction process, returns to step S1, displays the transaction selection screen on the display screen 7a, and stands by.
If the “return to previous screen” button is pressed, the control unit 5 returns to step S7 and redisplays the withdrawal amount confirmation screen of this embodiment on the display screen 7a.

S11: Upon accepting the press of the “next” button and recognizing the selected commemorative coin type as a 1000 yen coin, the control unit 5 includes one coin of the selected commemorative coin type constituting the withdrawal amount. Each number of dispensed coins is calculated, and this is temporarily stored in the storage unit 6 as a dispensed money configuration, and a commemorative coin discharge content confirmation screen shown in FIG. 13 is displayed on the display screen 7a.
On the commemorative coin discharge content confirmation screen, a statement to prompt confirmation of the withdrawal amount, the number of withdrawal coins including the commemorative coin that constitutes the withdrawal amount, display of the entered withdrawal amount, and confirmation of the withdrawal amount A “confirm” button for performing, a “return to previous screen” button for redisplaying the previous screen, a “cancel” button for canceling the transaction, and the like are displayed.

The customer confirms the displayed withdrawal amount and the composition of the money to be discharged and presses the “confirm” button, and the control unit 5 that has accepted this proceeds to step S12.
If the “Cancel” button is pressed, the control unit 5 that has received this button ends the current transaction process, returns to Step S1, displays the transaction selection screen on the display screen 7a, and stands by.
If the “return to previous screen” button is pressed, the control unit 5 returns to step S10 and redisplays the commemorative coin type selection screen on the display screen 7a.

S <b> 12: The control unit 5 that has calculated the withdrawal money structure in step S <b> 9 or that has received the press of the “confirm” button in step S <b> 11 performs a transaction process for withdrawal transactions with the host computer 2.
That is, the control unit 5 displays a standby request screen displaying a message for prompting standby for a while on the display screen 7a, and the card number read in step S3 and the security code input in step S3. A transaction message for a withdrawal transaction with the amount of money attached is created and transmitted to the host computer 2 via the communication line 3.

The host computer 2 that has received the transaction message of the withdrawal transaction searches the customer information based on the card information included in the transaction message for customer authentication, and obtains the PIN number of the corresponding customer information and the PIN number of the transaction message. If the password matches, the customer is authenticated. If there is no shortage in the account balance, a transaction permission message is created with a transaction permission message, and the account balance of the corresponding customer information is updated. To do. If the PINs do not match or if the account balance is insufficient, a transaction disapproval message that does not permit transactions with the contents of each transaction attached is created.
Then, the host computer 2 transmits the created transaction propriety message to the automatic teller machine 1 as a transmission source via the communication line 3. The control part 5 of the automatic teller machine 1 which received the transaction propriety message ends the communication process of the withdrawal transaction.

S13: The control unit 5 that recognizes that the transaction with the customer is permitted by the received transaction propriety message executes the money payout process.
That is, the control unit 5 reads the withdrawal money configuration stored in the storage unit 6 in step S9 or step S11. If the withdrawal money configuration includes coins, it corresponds to the withdrawal money configuration. Based on the denomination set in the storage unit 6, the denomination coin is paid out from the denomination coin storage 13 and conveyed to the coin discrimination unit 12 by the coin transfer unit 15. The coin discrimination unit 12 confirms the denomination and the number of coins. However, it is accumulated in the coin deposit / withdrawal port 11.

In addition, when the banknote is included in the withdrawal money configuration, the control unit 5 denominated the denomination banknote 23 according to the denomination banknote corresponding to the withdrawal money configuration based on the set denomination of the storage unit 6. The bill is transferred to the bill discriminating unit 22 by the bill transport unit 25 and accumulated in the banknote deposit / withdrawal port 21 while confirming the denomination and the number of sheets by the bill discriminating unit 22.
In this embodiment, when 50,000 yen is input as the withdrawal amount in step S4, the “commemorative coin request” button is pressed in step 7, and the “1000 yen coin” button is pressed in step S10, A 1000 yen commemorative coin is drawn out from the coin-type coin storage 13b shown in FIG. 8 and accumulated in the coin deposit / withdrawal port 11, and the amount corresponding to the face value of the commemorative coin is subtracted from the withdrawal amount to constitute 49000 yen. Four thousand tickets to be paid are paid out from the denomination banknote storage 23c shown in FIG. 6, and nine thousand tickets are drawn out from the denomination banknote storage 23a and accumulated in the banknote deposit / withdrawal port 21.

In parallel with this, the control unit 5 creates print data based on the transaction contents and the like, and sends the print data to the card handling unit 8 to print the statement slip.
In addition, when the control unit 5 recognizes that the transaction with the customer is not permitted by the transaction approval / disapproval message, the control unit 5 displays a transaction disapproval screen displaying a message indicating that the transaction is disapproved on the display screen 7a. Confirm the contents and perform the confirmation operation. The control unit 5 that has accepted this confirmation operation discharges the transaction card from the card insertion slot 8a of the card handling unit 8, confirms receipt of the customer, ends the current transaction process, returns to step S1, and returns to the display screen 7a. Display the transaction selection screen and wait.

S14: The control unit 5 that has finished collecting the money corresponding to the withdrawal money structure and printing the statement slips, receives the money, the transaction card, and the money for prompting receipt of the statement slips on the display screen 7a. The request screen is displayed, the coin deposit / withdrawal port 11 and / or the banknote deposit / withdrawal port 21 are opened and discharged to the customer, and the transaction card and statement slip are discharged from the card insertion port 8a.
The control unit 5 confirms the receipt of these by the customer, ends the current transaction process, returns to step S1, displays the transaction selection screen on the display screen 7a, and stands by.

In the above step S11, when the customer thinks that the commemorative coin is not required to be discharged, the “return to previous screen” button is pressed, and the “return to previous screen” button is again pressed on the redisplayed previous screen. Returning to step S7, the withdrawal amount confirmation screen of this embodiment is displayed again and the “confirmation” button is pressed, so that the commemorative coin can be stopped and the withdrawal can be made only in the currency. Become.
Moreover, in the automatic teller machine 1 of a present Example, the payment by a commemorative coin is not accepted in a payment transaction. If the received coin contains a commemorative coin, the commemorative coin is transported to the coin deposit / withdrawal port 11 by the coin transport unit 15 and returned to the customer.

Furthermore, when a non-alternating coin, for example, a 500 yen coin is deposited in a deposit transaction, the coin type coin storage 13f of the normal 500 yen coin (see FIG. 4) is switched to a 500 yen commemorative coin storage. Therefore, after the deposit amount is confirmed, it is transported to and stored in the coin collection box 14.
In the above description, two types of commemorative coin storage are used by switching the denomination coin storage 13b for storing a 5-yen coin and the denomination coin storage 13f for storing a 500-yen coin. As described above, when there are one type of commemorative coins issued, as shown in FIG. 14, any one of the denomination coin storages 13 is used, and there are three types of commemorative coins issued. As shown in FIG. 15, it is preferable to use the coin-type coin storages 13b, 13d, and 13f that store coins of 5 yen, 50 yen, and 500 yen at normal times as storages for storing commemorative coins.

  Further, in the above description, it has been described that one commemorative coin is discharged when the discharge of the commemorative coin is selected in step S7. However, in the case of discharging with a large number of commemorative coins up to the withdrawal amount, FIG. As described above, the above-described coin-type coin storages 13b, 13d, and 13f that store coins of 5 yen, 50 yen, and 500 yen at normal times may be used as storages that store the same or two types of commemorative coins.

In this case, when discharging a plurality of commemorative coins, a discharge number input screen displaying a numeric keypad or the like (see FIG. 10) for inputting the discharge number is displayed as the next screen of the commemorative coin type selection screen shown in FIG. After displaying the number of discharged sheets, the commemorative coin discharge content confirmation screen shown in FIG. 13 is displayed.
In this way, the commemorative coin discharging process in the commemorative coin discharging process by the automatic teller machine 1 of the present embodiment is executed.

Next, a case where one kind of commemorative banknote with a face value of 10,000 yen is issued will be described.
In the storage unit 6 of the automatic teller machine 1 in the present description, as in the case of the commemorative coin, in order to make a predetermined condition that the amount of money to be withdrawn is equal to or larger than a predetermined amount, A prescribed amount (50,000 yen in this embodiment) is preset and stored.
In addition, the set denominations of each denomination banknote storage 23 shown in FIG. 16 are preset and stored in the storage unit 6. In this embodiment, the set denominations of the denomination banknote storage 23c are stored. It is switched and set so as to store the 10,000 yen commemorative banknote from the normal 10,000 yen.

In this case, the set denomination is switched by selecting any one of a plurality of denomination bill storages 23 (ten thousand bill storages in the example of FIG. 6) storing bills of the same denomination at normal times. Do.
As the set denomination of each denomination banknote storage 23, the normal set denomination shown in FIG. 6 is set in advance and stored in the storage unit 6.
Moreover, the banknote discrimination part 22 is comprised so that the discriminated banknote can be discriminate | determined and the face value can be discriminated at the time of the banknote discrimination at the time of payment.

Below, the processing operation | movement of the discharge process of the commemorative banknote in the commemorative money discharge process by the automatic teller machine 1 of a present Example is demonstrated according to the step shown by SA using the flowchart shown in FIG.
Since the processing operation of steps SA1 to SA9 in the commemorative banknote discharge process is the same as the processing operation of steps S1 to S9 in the commemorative coin discharge process (FIG. 7), the description thereof is omitted.
In this case, “coin” in the description of the commemorative coin discharge process is read as “banknote”.

SA10: The control unit 5 that has received the “commemorative bill request” button press displays a commemorative bill type selection screen shown in FIG. 18 on the display screen 7a.
On the commemorative banknote type selection screen, a message that prompts the user to select a commemorative banknote type, a commemorative banknote selection button that can be ejected (in this description, a “10000-yen banknote” button), and a “front” for redisplaying the previous screen A “return to screen” button and a “cancel” button for canceling the transaction are displayed.

When the customer selects the type of commemorative banknote, the customer presses the selection button (in this description, the customer presses only the “10000 yen banknote” button).
In this way, when the issued commemorative money is one type, if the “next” button is omitted and the type is determined by pressing the selection button of the type of the commemorative banknote, the transaction operation of the customer The burden can be reduced.
The processing operation when the “cancel” button is pressed and when the “return to previous screen” button is pressed is the same as the processing operation of step S10 in the commemorative coin discharging process.

  SA11: Upon accepting the pressing of the “10000 yen banknote” button, the control unit 5 that recognizes the selected commemorative banknote type as a 10000 yen banknote forms one banknote of the selected commemorative banknote type constituting the withdrawal amount. The number of coins to be withdrawn is calculated, and this is temporarily stored in the storage unit 6 as a withdrawal money structure, and a commemorative banknote discharge content confirmation screen shown in FIG. 19 is displayed on the display screen 7a.

On the commemorative banknote discharge content confirmation screen, the wording prompting the confirmation of the withdrawal amount, the number of withdrawals including the commemorative banknote that constitutes the withdrawal amount, the display of the entered withdrawal amount, and the withdrawal amount are confirmed A “confirm” button for performing, a “return to previous screen” button for redisplaying the previous screen, a “cancel” button for canceling the transaction, and the like are displayed.
The customer confirms the displayed withdrawal amount and the composition of the money to be discharged and presses the “confirm” button, and the control unit 5 that has accepted this proceeds to step SA12.

The processing operation when the “Cancel” button is pressed and when the “Return to previous screen” button is pressed is the same as the processing operation of Step S11 in the commemorative coin discharging process.
Since the subsequent processing operation in step SA12 is the same as the processing operation in step S12 in the commemorative coin discharging process, the description thereof will be omitted.
SA13: The control unit 5 that recognizes that the transaction with the customer is permitted by the received transaction propriety message reads the withdrawal money configuration stored in the storage unit 6 in step SA9 or step SA11, and discharges the commemorative coin In the same manner as in step S13 in FIG.

In this embodiment, when 50,000 yen is input as the withdrawal amount in step SA4, the “commemorative banknote request” button is pressed in step SA7, and the “10000 yen banknote” button is pressed in step SA10, One 10000 yen commemorative banknote is drawn out from the banknote storage 23c according to denomination shown in FIG. 16 and accumulated in the banknote deposit / withdrawal port 21, and the amount corresponding to the face value of the commemorative banknote is deducted from the withdrawal amount. The four 000 tickets to be paid are fed out from the denominated banknote storage 23b and accumulated in the banknote deposit / withdrawal port 21.
In parallel with this, the control unit 5 creates print data based on the transaction contents and the like, and sends the print data to the card handling unit 8 to print the statement slip.

The processing operation when the transaction with the customer is recognized as being disapproved by the transaction permission / inhibition message is the same as the processing operation in step S13 in the commemorative coin discharging process.
The subsequent processing operation in step SA14 is the same as the processing operation in step S14 in the commemorative coin discharging process, and a description thereof will be omitted.
In the automatic teller machine 1 according to the present embodiment, the deposit by the commemorative banknote is not accepted in the deposit transaction. If the received money includes a commemorative banknote, the commemorative banknote is transported to the banknote deposit / withdrawal port 21 by the banknote transport unit 25 and returned to the customer.

In the above description, as shown in FIG. 6, it has been described that the denomination banknote storage 23c of the two ten thousand-note storages that are the same denomination storage is switched to a commemorative banknote storage. In the store where the deposit machine 1 is installed, the denomination of the denomination banknote is changed by switching the denomination of the denomination banknote 23d that stores less denominations, for example, 5,000 and 2,000 tickets. You may make it use as a storage. If it does in this way, money-type banknote storage 23c, 23d can be used as a storage which each stores two types of commemorative banknotes, or as a storage in the case of issuing many 1 type commemorative banknotes.
In this case, the received 5,000 and 2,000 tickets are stored in a banknote collection box (not shown).

In the case of an automated teller machine that stores circulation banknotes in four storage boxes for each denomination and uses each banknote for withdrawal, the middle of a number representing a thousandth digit is the same as in the case of the above coins. The denomination (2000, 5000, etc.) of banknotes with a face value of 5,000, 2,000, the set denomination of the storage is switched to a storage for storing commemorative banknotes. Thousand tickets and 2,000 tickets may be discharged with a thousand ticket that is a bill of alternative denomination.
In this case, when 5,000 and / or 2,000 tickets are deposited as banknotes of non-alternative denomination, they are stored in a banknote collection box (not shown).
Thus, the commemorative banknote discharge process in the communal money discharge process by the automatic teller machine 1 of the present embodiment is executed.

As described above, in this embodiment, in an automatic teller machine having a plurality of denomination storage units, at least one of the denomination storage units is changed to a commemorative currency by switching the set denomination of the denomination storage unit. When the specified condition determined by the automated teller machine is satisfied, a withdrawal amount confirmation screen is displayed as a specific money discharge selection screen, and commemorative money is discharged from the withdrawal amount confirmation screen. When selected, the amount of money minus the amount corresponding to the face value of the commemorative money and the commemorative money are discharged, so that it is normally discharged using the existing cash dispenser. It is possible to easily discharge commemorative money that never happens, and a great advertising effect is expected for financial institutions.
In this embodiment, the automatic teller machine that discharges the commemorative banknote has been described as an example. However, instead of the storage of the commemorative banknote, a paper such as a gift certificate having a length in the short direction equal to or less than that. You may make it use as a storage of leaves.

In the present embodiment, it has been described that the prescribed amount, which is the lower limit of the withdrawal amount when issuing commemorative money, is 50,000 yen, but the amount of face value of commemorative money that can be discharged (in the above description, You may make it discharge | pay commemorative money by making the minimum amount in a coin (500 yen, 1000 yen, and a banknote 10000 yen) into a regulation amount. In this way, it is possible to discharge the commemorative money even to customers who only want to obtain the commemorative money.
In this case, when two types of commemorative coins are issued as in the above-described commemorative coin discharge process, if a minimum amount, for example, 500 yen is input as the withdrawal amount, the commemorative displayed in step S10 above. The “1000 yen coin” button on the coin type selection screen may be hidden and displayed.

Below, the automatic teller machine of a present Example is demonstrated using FIG. Note that parts similar to those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.
In the host computer 2 of the present embodiment, an application having a function of executing a memorial money discharge availability determination process (details will be described later) described with reference to FIG. 20 in the same account management program as in the first embodiment. A host business execution program to which a program or the like is added is installed in advance, and each functional means of the host computer 2 of this embodiment is formed by the steps of the host business execution program executed by the host computer 2.

In addition, in the storage unit (not shown) of the host computer 2, as a predetermined condition for discharging the commemorative coin, the deposit amount of the customer is a certain amount or more (in this embodiment, 500,000 yen or more) and the fixed deposit The condition that the contract is made is preset and stored.
For this reason, the storage of the prescribed amount in the storage unit 6 of the automatic teller machine 1 described in the first embodiment is omitted.

The processing operation of the commemorative coin discharging process in the commemorative coin discharging process by the automatic teller machine 1 according to the present embodiment will be described below using the flowchart shown in FIG.
Since the processing operations of Steps SB1 to SB4 of this embodiment are the same as the processing operations of Steps S1 to S4 of the commemorative coin discharging process (FIG. 7) of Embodiment 1, the description thereof is omitted.

SB5: Recognizing the withdrawal amount input by pressing the “yen” button, the control unit 5 sends a commemorative coin discharge permission determination request attached with the card information read in step SB2 via the communication line 3 to the host computer 2. Send to. The host computer 2 that has received this information searches the customer information based on the attached card information to extract the corresponding customer information, and the predetermined condition, that is, the account balance that is the customer's deposit amount is a certain amount or more. When the condition that the contract for the time deposit is made is satisfied, a commemorative coin discharge determination result notification is issued to the effect that the discharge is permitted. In addition, when at least one of the predetermined conditions is not satisfied, the control unit 5 creates a commemorative coin discharge possibility determination result notification indicating that discharge is not permitted.
The control unit 5 that has created the commemorative coin discharge availability determination result notification transmits the commemorative coin discharge enable / disable determination result notification to the automatic teller machine 1 that is the transmission source via the communication line 3. The control part 5 of the automatic teller machine 1 which received this and acquired the commemorative coin discharge | emission determination result transfers to step SB6.

SB6: The control unit 5 that has acquired the determination result of whether or not to commemorate coin discharge moves to step SB8 when the acquired determination result of whether or not to commemorate coin discharge indicates discharge permission. If the result of determining whether or not the commemorative coin can be discharged is that discharge is not permitted, the process proceeds to step SB7.
The subsequent processing operations of Steps SB7 to SB15 are the same as the processing operations of Steps S6 to S14 in the commemorative coin discharging process (FIG. 7) of the first embodiment, and the description thereof is omitted.
In addition, although the processing operation of the commemorative coin discharging process in the commemorative coin discharging process by the automatic teller machine 1 of the present embodiment has been described above, the processing operation of the commemorative banknote discharging process of the first embodiment (see FIG. 17). Therefore, the description of the processing operation of the commemorative banknote discharging process by the automatic teller machine 1 of this embodiment is omitted.

  As described above, in this embodiment, in an automatic teller machine having a plurality of denomination storage units, at least one of the denomination storage units is changed to a commemorative currency by switching the set denomination of the denomination storage unit. When the specified condition determined by the host computer is satisfied, a withdrawal amount confirmation screen is displayed as a specific money discharge selection screen, and commemorative currency discharge is selected from the withdrawal amount confirmation screen. The amount of money minus the amount equivalent to the face value of the commemorative money and the commemorative money are discharged, so that they are normally discharged using existing cash dispensers. This makes it possible to easily discharge commemorative money without any loss, and is expected to have a big advertising effect for financial institutions.

Below, the automatic teller machine of a present Example is demonstrated using FIG. 21 and FIG. Note that parts similar to those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.
The host computer 2 of this embodiment is preinstalled with the same account management program as that of the first embodiment, and each of the host computers 2 of this embodiment is executed according to the steps of the account management program executed by the host computer 2. Functional means are formed.
The storage unit 6 of the automatic teller machine 1 stores a predetermined amount (50,000 yen in this embodiment) that is the same as that of the commemorative coin discharging process of the first embodiment.

The processing operation of the commemorative coin discharging process in the commemorative coin discharging process by the automatic teller machine 1 according to the present embodiment will be described below using the flowchart shown in FIG.
When a staff member at a financial institution turns on the automatic teller machine 1 at the start of business or the like, the business process execution program stored in the storage unit 6 of the automatic teller machine 1 is automatically activated.
SC1: When the business process execution program starts, the control unit 5 of the automatic teller machine 1 selects various transactions similar to those in the first embodiment on the display screen 7a of the display unit 7 by the business process execution program. A transaction selection screen (see FIG. 9) on which a foreign language notation selection button such as an “English” button for selecting a transaction selection button for English and a screen notation in English is displayed and waits.

  A customer who wants to display each transaction screen in a foreign language that is different from the language written in the normal language presses the foreign language notation selection button to select the language from the display screen 7a. A normal customer who does not wish to display each transaction screen in a foreign language selects a withdrawal transaction in the same manner as in step S1 of the commemorative coin discharge process (FIG. 7) of the first embodiment, and displays “withdrawal” from the display screen 7a. "" Transaction selection button is pressed.

SC2: The control unit 5 that has accepted the pressing of the selection button displayed on the display screen 7a proceeds to step SC4 when it recognizes the pressed selection button as a transaction selection button. If the pressed selection button is recognized as a foreign language notation selection button, the process proceeds to step SC3.
SC3: The control unit 5 that recognizes the pressed selection button as a foreign language notation selection button displays the foreign language transaction selection screen shown in FIG. 22 in which each transaction selection button is indicated in a foreign language on the display screen 7a and stands by. To do.

The transaction selection screen includes a “Withdrawal” button for withdrawal transactions, a “Deposit” button for deposit transactions, a “Transfer” button for transfer transactions, and a passbook entry transaction that records transaction data not yet entered in the passbook. A transaction selection button for selecting various transactions, such as a “Booking” button for, and a “Balance” button for a balance inquiry transaction for inquiring an account balance, are displayed in a foreign language.
In this embodiment, the customer selects a withdrawal transaction and presses the “Withdrawal” button from the display screen 7a.

SC4: The control unit 5 that has moved from the above step SC2 or SC3 and recognized the transaction selected by the customer as a withdrawal transaction, displays a transaction card insertion request screen in which a message for prompting the insertion of the transaction card is displayed on the display screen 7a. Is displayed. In accordance with this, the customer inserts the transaction card into the card insertion slot 8a of the card handling unit 8.
At this time, the control unit 5 reads the card information such as the customer account number recorded in the magnetic stripe of the transaction card by the card handling unit 8 and temporarily stores the read card information in the storage unit 6.

When the foreign language notation selection button is pressed in step S1, the wording on the transaction card insertion request screen is written in a foreign language. The same applies to the transaction screen displayed thereafter.
Since the subsequent processing operations of steps SC5 and SC6 are the same as the processing operations of steps S3 and S4 of the commemorative coin discharging process (FIG. 7) of the first embodiment, description thereof will be omitted.

SC7: The control unit 5 that has recognized the withdrawal amount input by pressing the “yen” button is the case where the foreign language notation selection button is pressed in step S1 and the withdrawal amount can be discharged. If it is equal to or greater than the minimum coin face value (500 yen in this description), the process proceeds to step SC10. If the foreign language notation selection button is not pressed, or if the withdrawal amount is less than the minimum amount of the face value of the commemorative coin that can be discharged, the process proceeds to step SC8.
SC8: The control unit 5 that has determined that the foreign language notation selection button has not been pressed or the like proceeds to step SC10 if the withdrawal amount input in step SC6 is equal to or greater than the prescribed amount (50,000 yen in this embodiment). Transition. If the withdrawal amount is less than the prescribed amount, the process proceeds to step SC9.

SC9: The controller 5 that has determined that the withdrawal amount is less than the prescribed amount displays a normal withdrawal amount confirmation screen in the same manner as in step S6 of the commemorative coin discharge process (FIG. 7) of the first embodiment. The customer confirms the displayed withdrawal amount and presses the “confirm” button, and the control unit 5 that has accepted this proceeds to step SC12.
SC10: The control unit 5 that has shifted from step SC7 or SC8 displays a withdrawal amount confirmation screen in the same manner as in step S7 of the commemorative coin discharge process of the first embodiment (FIG. 7). The customer selects the “commemorative coin request” button to select the commemorative coin discharge, the “confirm” button to confirm the withdrawal amount without selecting the commemorative coin discharge, and the “confirm” button to cancel the transaction. Press the “Cancel” button.

The subsequent processing operations of steps SC11 to SC17 are the same as the processing operations of steps S8 to S14 of the commemorative coin discharging process (FIG. 7) of the first embodiment, and the description thereof is omitted.
In addition, although the processing operation of the commemorative coin discharging process in the commemorative coin discharging process by the automatic teller machine 1 of the present embodiment has been described above, the processing operation of the commemorative banknote discharging process of the first embodiment (see FIG. 17). Therefore, the description of the processing operation of the commemorative banknote discharging process by the automatic teller machine 1 of this embodiment is omitted.

  As described above, in this embodiment, in an automatic teller machine having a plurality of denomination storage units, at least one of the denomination storage units is changed to a commemorative currency by switching the set denomination of the denomination storage unit. When the automatic teller machine meets the prescribed condition that the customer is a foreigner, the withdrawal amount confirmation screen is displayed as the specific money discharge selection screen, and the withdrawal amount confirmation screen is displayed. When the commemorative currency is selected to be discharged from the bank, the amount of money equivalent to the value of the commemorative money is deducted from the amount of the withdrawal and the commemorative money is discharged. It is possible to easily discharge commemorative money that is not normally discharged, and it is easy for foreigners to obtain commemorative money that is a memorial to Japan.

In the present embodiment, when the foreign language notation selection button is pressed from the transaction selection screen, the customer is determined to be a foreign customer, but the customer understands the notation in Japanese, If a customer holding a foreign transaction card such as a cash card or a credit card issued by a foreign financial institution inserts the foreign transaction card into the card insertion slot 8a of the card handling unit 8 in step SC4, the customer You may make it determine with a human customer.
In this case, as the next step of “NO” in step SC7, it is determined whether the inserted card is a normal transaction card or a foreign transaction card. If it is a foreign transaction card, go to step SC10. May move to step SC8 to discharge the memorial money.

  In the case of an automated teller machine that displays a transaction card insertion request screen as the previous screen of the transaction selection screen, such as an automated teller machine installed at a convenience store, the transaction that is normally used in that country in that step When a foreign transaction card of a card type different from the card is inserted, each transaction screen may be written in the foreign language, and the commemorative money may be discharged in the same manner as described above.

DESCRIPTION OF SYMBOLS 1 Automatic teller machine 2 Host computer 3 Communication line 5 Control part 6 Memory | storage part 7 Display part 7a Display screen 8 Card handling part 8a Card insertion slot 9 Passbook handling part 9a Passbook insertion slot 10 Coin deposit / withdrawal part 11 Coin deposit / withdrawal slot 12 Coin discrimination part 13, 13a-13f Money-type coin storage 14 Coin collection part 15 Coin transport part 20 Banknote deposit / withdrawal part 21 Banknote deposit / withdrawal port 22 Banknote discrimination part 23, 23a-23d Money-type banknote storage part 25 Banknote transport part

Claims (6)

A display that accepts input of the transaction amount;
In an automatic transaction apparatus comprising a plurality of denomination storage units that store current currency denominations in denominations,
At least one of the denomination storages is set to a specific currency storage for storing specific currency that is commemorative currency ,
As a predetermined condition, when a language notation that is different from the language normally displayed on the display unit is given, a specific currency discharge selection screen that displays whether or not to discharge the specific currency on the display unit is selectable To display
Wherein when the discharge of the specific money from the specific monetary selected discharge screen has been selected, to discharge said flow currency of the amount obtained by subtracting the amount corresponding to the face value of the specific money from the transaction amount, and the specific monetary An automatic transaction apparatus characterized by The automatic transaction apparatus according to claim 1 ,
The said specific money storage is switched and set the setting money type of the said money type storage, The automatic transaction apparatus characterized by the above-mentioned. The automatic transaction apparatus according to claim 2 ,
The flow currency set denomination that the switching is automatic transaction apparatus characterized by discharging to spare in the flow currency other money storage box. In the automatic transaction apparatus according to claim 2 or claim 3 ,
The automatic transaction apparatus characterized by selecting a denomination with a low handling frequency as the set denomination to be switched. An automatic transaction apparatus according to any one of claims 1 to 4,
The automatic transaction apparatus according to claim 1, wherein the predetermined condition is that a withdrawal amount in a withdrawal transaction is a predetermined amount or more. An automatic transaction apparatus according to any one of claims 1 to 4,
The automatic transaction apparatus is characterized in that, in the case of a withdrawal transaction, the predetermined condition is that the deposit amount of the customer is equal to or greater than a certain amount and that a contract for a fixed deposit is made.

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