JP6529841B2 - Automatic transaction apparatus and method for promoting exchange by automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that automatically performs deposit and withdrawal transactions.

  2. Description of the Related Art Conventionally, an automated teller machine (ATM: Automated Teller Machine) having a currency exchange function for exchanging and withdrawing money for money withdrawal is set up inside and outside a store of a financial institution. In the above ATM, the user inputs a payment amount of 10,000 yen or more in the payment transaction, and presses the exchange button for exchanging 10,000 yen into ten yen bills. Disburse as 10 pieces. An example of such an ATM is disclosed in Patent Document 1 below.

  By the way, the above-mentioned ATM can carry out other transactions such as a deposit transaction besides the withdrawal transaction. For example, when a deposit transaction is performed, banknotes and coins to be deposited are accumulated in the ATM. Since the amount of bills and coins that can be stored in the ATM is limited, the deposit transaction is degenerated when the bills and coins in the ATM are full, so when the bills and coins in the ATM exceed a predetermined amount, the bank clerk Etc.

Japanese Patent Application Laid-Open No. 5-324978

  However, depending on the environment in which the ATM is installed and the time zone in which the ATM is used, the deposit transaction may be increased, and the deposit of a certain denomination, for example, a thousand yen bill may increase. If the 1000 yen bills continue to be received and the number of banknotes in the cassette and stacker storing the banknotes exceeds a predetermined number, the deposit transaction will be degenerated. In order to eliminate the degeneracy of the deposit transaction, it is necessary to collect the 1000 yen bill from the ATM, and there is a problem that the management cost of the ATM increases.

  SUMMARY OF THE INVENTION In view of the above problems, the present invention provides an automatic transaction apparatus capable of avoiding an increase in ATM management cost by keeping the amount of bills in an ATM at an appropriate amount and preventing the occurrence of degeneracy of deposit transactions. The purpose is

In order to achieve the above object, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus for automatically performing deposit and withdrawal transactions, and a calculation unit for calculating the number of storable sheets of a predetermined denomination, and the calculated storage capacity It decides to display the exchange promotion screen for prompting exchange by the predetermined denomination when the number of sheets falls below the predetermined value, and the predetermined withdrawal transaction condition is satisfied. And a control unit for displaying the exchange promotion screen when a payment transaction is performed , the calculation unit is configured to determine the predetermined number based on the storable number of stackers of the predetermined denomination and the storable number of cassettes. Calculate the number of storable denominations .

  Further, in the automatic transaction apparatus of the present invention, it is a preferable aspect of the present invention that the control unit cancels the display determination of the exchange promotion screen when the number of storable sheets exceeds the predetermined value.

  Further, in the automatic transaction apparatus of the present invention, the control section cancels the display determination of the exchange promotion screen when the number of storable sheets exceeds a value different from the predetermined value, in a preferable aspect of the present invention. is there.

Further, the exchange promotion method according to the present invention is a exchange promotion method by an automatic transaction apparatus for automatically performing deposit and withdrawal transactions, wherein the step of calculating the number of storable sheets of a predetermined denomination, and the calculated storable number of sheets are predetermined. In the step of determining whether or not the value is below, and when it is below, it is decided to display the exchange promotion screen prompting the exchange with the predetermined denomination, and the withdrawal transaction satisfying the predetermined withdrawal transaction condition is possess and displaying the exchange prompt screen when performed, in the step of calculating the storable number of the predetermined denomination, and accommodated number of sheets of the predetermined denomination of the stacker, and storable number of cassettes Based on the above, the number of storable sheets of the predetermined denomination is calculated .

  Further, in the currency exchange promotion method of the present invention, it is a preferable aspect of the present invention to further include the step of canceling the display determination of the currency exchange promotion screen when the number of storable sheets exceeds the predetermined value.

  In the exchange promotion method of the present invention, it is a preferable aspect of the present invention to further cancel the display determination of the exchange promotion screen when the number of storable sheets exceeds a value different from the predetermined value. .

  According to the present invention, it is possible to avoid an increase in ATM management cost by keeping the amount of bills in the ATM at an appropriate amount and preventing the occurrence of a fall in the deposit transaction.

It is an outline view showing an example of the appearance of ATM concerning an embodiment. It is a figure showing an example of the hardware constitutions for realizing ATM concerning an embodiment. It is a side view showing an example of the side of the bill unit carried in ATM concerning an embodiment. It is a figure for demonstrating the storage method of the banknote to the stacker and cassette at the time of the money_receiving | payment transaction in embodiment. It is a figure for demonstrating the delivery method of the banknote from the stacker at the time of payment transaction in embodiment. It is a figure which shows an example of a structure of the functional block of ATM which concerns on embodiment. It is a figure which shows an example of the exchange promotion screen in embodiment. It is a figure which shows an example of the payment confirmation screen in embodiment. It is a flowchart which shows an example of the processing flow at the time of the money_receiving | payment transaction of ATM which concerns on embodiment. It is a flow chart which shows an example of the processing flow at the time of payment dealings of ATM concerning an embodiment.

  Embodiments will be described below with reference to the drawings. FIG. 1 is a view showing an example of the appearance of an ATM according to an embodiment of the present invention. As shown in FIG. 1, the ATM 10 includes a card slot 11, a passbook slot 12, a bill slot 13, a coin slot 14, a user operation unit 15, a speaker 16, an automatic machine subdisplay main body 17, and an automatic machine subdisplay 18.

  The card entrance 11 is used for inserting various cards such as a cash card and a credit card, returning the inserted card, and discharging the issued receipt.

The passbook entrance 12 is used for inserting a passbook and returning the inserted passbook.
The bill inlet / outlet 13 is used to insert a bill to be deposited or discharge a bill to be dispensed.
The coin entrance 14 is used to insert coins to be deposited and discharge coins to be dispensed.

  The user operation unit 15 is a display provided with a touch panel, and is used when various data input including input of a personal identification number and various instructions are performed.

  The speaker 16 is used to output, as a voice, guidance and the like necessary for performing various transactions to the user.

  The automatic-machine sub-display main body 17 includes an automatic-machine sub-display 18 and displays various kinds of additional information to the user. For example, it provides the user with a currency exchange guidance display described later.

  In addition, the external appearance structure of ATM10 mentioned above is an example, for example, may be provided with the vein authentication part etc. which read and vein-certify the vein of a palm.

  Next, an example of a hardware configuration for realizing the ATM will be described with reference to FIG. As shown in FIG. 2, the ATM 10 includes an ATM control unit 20, an internal memory 21, a storage unit 22, a card processing unit 23, a passbook processing unit 24, a bill processing unit 25, a coin processing unit 26, a display unit 27, and an audio output unit. 28 comprises a host communication unit 29.

  The ATM control unit 20 generally controls the entire ATM 10, reads programs for performing various processes of the ATM 10 stored in the storage unit 22 or the like, temporarily stores the read programs in the internal memory 21. , And performs various processes in accordance with the program, and is, for example, a CPU (Central Processor Unit).

  The ATM control unit 20 performs control for realizing the transaction instructed by the user operating the display unit 27. Specifically, the ATM control unit 20 selects a transaction with a user from a transaction menu displayed on the user operation unit 15 of the display unit 27, and when a card or a passbook is inserted, the host communication unit 29 is selected. Necessary communication is performed to provide a transaction service with a host computer (not shown) that manages various information such as user's account information, personal identification number, deposit amount and the like.

  For example, if a withdrawal or deposit transaction is selected, the ATM 10 sends a transaction request to the host computer via the host-to-host communication unit 29. The host computer performs account authentication and the like based on the transaction request from the ATM 10, determines whether or not the transaction can be made, updates the account balance of the user based on the determination that the transaction is possible, and transmits the determination result to the ATM 10. And perform transaction processing by the ATM 10 based on the determination of the availability of the transaction.

  The internal memory 21 temporarily stores a part of an OS (Operating System) program or an application program to be executed by the ATM control unit 20. In addition, various data necessary for processing by the ATM 10 are stored in the internal memory 21. The internal memory 21 is, for example, a random access memory (RAM).

  As described above, the storage unit 22 stores an application program for performing various processes of the ATM 10, data required for the process of the ATM 10, and the like, and is, for example, an HDD (Hard Disk Drive).

  The card processing unit 23 has a magnetic data reading unit (not shown), a card image reading unit, and a receipt printing unit in addition to the card entrance 11 shown in FIG. The card processing unit 23 receives a magnetic card inserted by the user from the card entrance 11, reads account information from magnetic data of the card, reads an image of the card, and prints a receipt on which the contents of transaction processing are printed together with the card Return from the card entrance 11 or the like.

  The passbook processing unit 24 has a magnetic data reading unit (not shown) and an optical data reading unit (not shown) in addition to the passbook entrance 12 shown in FIG. The passbook processing unit 24 receives the passbook inserted from the passbook entrance 12 by the user, transports it to a predetermined position, registers the contents of transaction processing, and returns from the passbook entrance 12 the passbook whose recording has been completed.

  The bill processing unit 25 and the coin processing unit 26 have the bill inlet / outlet 13 and the coin inlet / outlet 14 shown in FIG. 1, respectively, receive bills and coins inserted from the bill inlet / outlet 13 and the coin inlet / outlet 14 and count bills and coins. Alternatively, a predetermined number of bills and coins are discharged from the bill inlet / outlet 13 and the coin inlet / outlet 14 in accordance with the payment transaction selected by the user. Note that the bill processing unit 25 corresponds to, for example, a bill unit 300 described later.

  The display unit 27 has a user operation unit 15 shown in FIG. 1, displays a screen, a message, etc. regarding a transaction on the user operation unit 15, and receives an operation input from the user.

  The voice output unit 28 has the speaker 16 shown in FIG. 1 and outputs guidance and the like necessary for realizing various transactions selected by the user as voice.

  The host-to-host communication unit 29 is used when performing communication necessary for providing the service of the transaction selected by the user with the host computer, and is, for example, a communication interface.

  Next, an example of a bill unit mounted on the ATM 10 will be described with reference to FIG. As shown in FIG. 3, the bill unit 300 includes a shutter 301, a deposit / withdrawal unit 302, a return reserve unit 303, a temporary reserve unit 304, a universal stacker 305, a universal stacker 306, a thousand stacker 307, a counting stacker 308, A cassette F 309, a cassette R 310, a reject 311, a reject 312, a reject 313, a cassette F replenishment reject unit 314, a cassette R replenishment reject unit 315, a discrimination unit 316, and a test ticket setting unit 317.

  The shutter 301 is a shutter on the user side installed in the deposit / withdrawal unit 302, and is opened at the time of depositing a bill and at the time of dispensing. The deposit / withdrawal unit 302 is for inserting a bill at the time of depositing the bill, and for receiving the bill at the time of withdrawal of the bill. The return holding unit 303 is, for example, for temporarily holding a banknote in order to return the banknote for which the denomination of the deposited banknote could not be identified. The temporary storage unit 304 is for temporarily storing the bills to be deposited or deposited.

  The universal ticket stacker 305, the universal ticket stacker 306, and the thousand ticket stacker 307 are banknote storages storing banknotes of the target denomination, respectively, and the universal ticket stacker 305 and the universal ticket stacker 306 store 10,000 yen bills. A thousand ticket stacker 307 stores a thousand yen bill. Each of the universal stacker 305, the universal stacker 306, and the thousand stacker 307 has, for example, storage specifications capable of storing 2700 banknotes. The number of stackers and the storage specifications are not limited to this. In addition, the denomination to be stored in the stacker can be changed by setting. The counting stacker 308 is used to count banknotes in the banknote unit 300, and is normally empty.

  Here, a method of storing banknotes in the stacker and cassette at the time of deposit transaction and a method of feeding banknotes from the stacker at the time of payment transaction will be described with reference to FIGS. 4A and 4B. The cassette in this example is a cassette of a mixed denomination described later.

  First, a method of storing bills in the stacker and cassette at the time of deposit transaction will be described with reference to FIG. 4A. As shown in FIG. 4A, before the deposit transaction, the bills are stored in each stacker and each cassette except the counting stacker 308, and the bills are stored in a full (full) in the cassette F 309 and the thousand-note stacker 307. It is done. From this state, when a deposit transaction is performed, the deposited banknotes are usually stored in the stacker corresponding to the denomination of the deposited banknotes. That is, when a thousand-yen bill is received, it is stored in the thousand-note stacker 307. However, in the example shown in FIG. 4A, since the corresponding thousand ticket stacker 307 is in the full state, the banknotes deposited into the cassette R310 having an empty storage are stored, and the stored state is the state after the deposit transaction. Become.

  On the other hand, the method of feeding out the banknotes from the stacker at the time of dispensing transaction will be described using FIG. 4B. As shown in FIG. 4B, before the dispensing transaction, bills are stored in each stacker and each cassette except the counting stacker 308, and the bills are fully stored in the cassette F 309 and the stacker 307. From this state, when the dispensing transaction is performed, the dispensing banknotes are fed out from the stacker corresponding to the denomination of the banknotes to be dispensed. That is, when the 1000 yen bill is to be dispensed, the dispensing bill is fed out from the thousand-note stacker 307, and the fed-out state becomes the state after the dispensing transaction.

  The cassette F 309 and the cassette R 310 are respectively detachable and used for filling and collecting bills, and the storage specification of each is, for example, 2700 sheets. The number of cassettes and the storage specifications are not limited to this. In addition, the number of denominations of bills stored in each cassette is not limited to one, and it may be a mixed denomination including a plurality of denominations such as thousand or ten thousand notes, and the gold of the cassette may be set depending on the setting. The species can be selected, and for example, it can be set to a 1000-note dedicated cassette.

  When the cassette F309 or the cassette R310 is removed from the ATM 10 by a bank clerk or the like and the cassette F309 or the cassette R310 is set to the ATM 10 again for the filling of the bills or the collection of the bills, the bills in the cassette and the stacker are counted. The number of bills stored in each cassette and stacker is determined. The determined number is set as the determined number, and the information is stored, for example, in the storage unit 22 described above.

  After that, for example, when there is a deposit transaction, the number of denominations of the deposited banknotes is added to the determined number of the corresponding denominations, and the number after the addition is taken as the logical number, and the information is It is stored in the storage unit 22 or the like. Further, when there is a dispensing transaction, the number of denominations of the dispensed banknotes is subtracted from the determined number of the corresponding denominations, and the number after subtraction is taken as the logical number, and the information is, for example, described above It is stored in the storage unit 22 or the like. The calculation of the logical number may be performed by, for example, a calculation unit 50 described later.

  The reject 311, the reject 312, and the reject 313 are boxes for collecting rejected banknotes that have been identified as unfit banknotes in the case of discrimination of banknotes that were forgotten at the time of withdrawal or banknotes at the time of withdrawal. Regarding the storage specification of each reject, for example, the rejection 311 has two types of storage boxes, 350 and 217 storage specifications respectively, the reject 312 has 350 storage specifications, and the reject 313 has There are two types of storage boxes, each with 217 sheets and 0 sheets (none). The storage specification of each reject may be the same type.

  The cassette F replenishment rejection unit 314 and the cassette R replenishment rejection unit 315 are boxes for storing rejected banknotes discriminated as unfit banknotes when the banknotes are supplied from the cassette to the stacker, and the respective storage specifications are, for example, There are 50 sheets. The rejected banknotes in the box are collected by a bank clerk or the like when the cassettes are filled with the banknotes or when the banknotes are collected from the cassettes.

  The discrimination unit 316 is for discriminating the authenticity or state of the bill and the denomination of the bill. The test ticket setting unit 317 stores a test ticket for checking the transport path.

  Next, an example of the configuration of the functional block of ATM will be described with reference to FIG. FIG. 5 is a functional block diagram of the ATM for performing exchange promotion processing. As shown in FIG. 5, the ATM 10 includes a calculation unit 50, a determination unit 51, a control unit 52, a storage unit 53, and a display unit 54. The ATM control unit 20 (CPU) described above mainly functions as the calculation unit 50, the determination unit 51, and the control unit 52, the storage unit 22 described above mainly functions as the storage unit 53, and the display unit 27 described above mainly Act as 54

  The calculation unit 50 calculates the number of storable sheets of a predetermined denomination (for example, thousand bills). Specifically, first, the calculation unit 50 calculates the storable number of sheets that can be stored in a stacker storing a predetermined denomination and a cassette for a specific denomination or a mixed denomination cassette (hereinafter, also simply referred to as a cassette). In order to do this, for example, the determined number or logical number of stackers and cassettes stored in the storage unit 53 (the storage unit 22 described above) is acquired. After the cassette is set, if the deposit and withdrawal transaction is not performed, the fixed number is acquired, and after the cassette is set, if the deposit and withdrawal transaction is performed, the logical number is acquired.

  The calculation unit 50 calculates the number of each cassette based on the number of sheets obtained by subtracting the determined number or the logical number from the storage specification of the stacker of the predetermined denomination (the number of sheets that can be stored in the stacker of the predetermined denomination) The number of sheets that can be stored of a predetermined denomination (the number of vacant sheets) at the current time is calculated by adding the number of sheets determined (the number of sheets that can be stored in each cassette) obtained by subtracting the number of sheets or logical number.

  The determination unit 51 determines whether the calculated storable number is less than a predetermined value (predetermined number). Here, the predetermined value is the number of sheets for which the deposit transaction is degenerated (for example, 200 sheets). The number of storable sheets can be changed by setting. The determination unit 51 performs, for example, determination based on the following equation (1).

Target stacker / total number of cassettes-number of storable sheets 千 number of thousand stacker stacks + total number of cassettes F and cassettes R ... (1)
Here, the target stacker / cassette full total number includes the storage specifications (2700 sheets) of the target stacker (in this example, the 1000 stacker) and the storage specifications (2700 sheets and 2700 sheets) of the cassette F309 and the cassette R310. Say 8100 sheets, which is the total number of The number of 1000 stacker stacks refers to the number of sheets stored in the 1000 sheet stacker 307 at the present time, and the number of cassettes F and the number of cassette R sheets refer to the number stored in the cassette F 309 and the cassette R 310 at the present time.

  Although the determination unit 51 determines whether the storable number is less than the predetermined value, the determination may be made based on the storable capacity instead of the storable number. That is, the determination unit 51 may determine whether the storable capacity is less than a predetermined capacity (for example, 10% of the total storable capacity of the stacker and the cassette).

  The control unit 52 determines to display the exchange promotion screen prompting exchange by a predetermined denomination, that is, thousand cards, when the calculated storable sheet number falls below the predetermined value, and turns on the exchange flag (the exchange flag is turned on) ), The exchange promotion screen is displayed on the user operation unit 15 when a withdrawal transaction under predetermined conditions is performed. When the calculated number of storable sheets exceeds the predetermined value, the control unit 52 cancels the determination of the display of the exchange promotion screen (turns the exchange flag OFF).

  Here, switching of the exchange flag ON and OFF is performed based on a predetermined value, but switching of the exchange flag ON and OFF may be performed based on different criteria. That is, when the number of storable sheets falls below a predetermined value (for example, 200 sheets), the exchange flag is turned ON, and the number of storable sheets exceeds a value different from the predetermined value (for example, 300 sheets) May be turned off. As a result, it is possible to reduce the processing load on the ATM 10 due to frequent occurrence of ON / OFF switching of the exchange flag when the number of storable sheets goes back and forth near a predetermined value.

  In addition, when the withdrawal transaction is selected by the user, the control unit 52 determines whether or not a predetermined withdrawal transaction condition is satisfied, for example, the inputted withdrawal amount is 10,000 yen or more, and the exchange flag is ON. If it is determined that the payment amount is 10,000 yen or more and the exchange flag is ON, the exchange promotion screen as shown in FIG. 6A is displayed on the display unit 54 (user operation unit Display on 15). The display example shown in FIG. 6A is for the case where the input withdrawal amount (withdrawal amount) is 35,000 yen, and it is possible to exchange up to 30 thousand yen bills. Three exchange buttons of 1000 yen and 30 yen are displayed. If exchange is desired, the user touches the desired exchange button and touches the confirmation button. Thereby, desired exchange is performed. If the user does not wish to exchange money, the user touches only the confirmation button. As a result, normal cash discharging, that is, discharging of three 10,000 yen bills and five 1,000 yen bills is performed without executing exchange.

  The control unit 52 may, for example, display exchange guidance on the automatic machine sub screen 18 of the ATM 10 in order to promote the exchange. Specifically, the control unit 52 causes the automatic machine sub screen 18 to display exchange guidance such as "Please go here for exchange customers". In this way, users who wish to exchange money can be called in and exchange can be promoted efficiently. In addition, the control unit 52 preferentially displays the exchange promotion screen on the display unit 54 based on the information recorded corresponding to the inserted card, for example, the information that the exchange has been frequently performed in the past, etc. You may In addition, the user who has made a currency exchange by touching the currency exchange button on the currency exchange promotion screen may be discounted the transaction fee, or the discount rate may be changed according to the number of currency exchange.

  On the other hand, the control unit 52 displays a display screen as shown in FIG. 6B on the display unit 54 when it is determined that the amount of money to be dispensed is 10,000 yen or more and the exchange flag is not ON. The display example shown in FIG. 6B indicates a normal withdrawal confirmation screen, and indicates withdrawal of the input withdrawal amount of 35,000 yen. When the user touches the confirmation button on the displayed payment confirmation screen, normal cash discharge, that is, discharge of three 10,000 yen bills and five 1,000 yen bills is performed.

  Next, an example of the processing flow of the ATM at the time of deposit transaction will be described using FIG. When the deposit transaction is selected by the user and the card or passbook is inserted, the ATM 10 accepts the card or passbook (step S701). After accepting the card or passbook, the ATM 10 performs primary discrimination when accepting cash inserted by the user (step S702). The primary discrimination is performed by the discrimination unit 316 described above, and the denomination, the number, and the like of the inserted banknotes are discriminated. At the time of primary discrimination, the inserted bill is stored in the temporary storage unit 304 described above. After the primary identification, the ATM 10 confirms the amount of inserted cash (step S703).

  The ATM 10 communicates with the host computer (step S704), and if the host computer responds that there is no problem in executing the deposit transaction, the inserted cash is stored in the stacker or cassette (step S705). After storing the cash, the ATM 10 calculates the logical number (step S706), and returns the card or the passbook (step S707). When the deposit transaction is completed, the ATM 10 calculates the process as described above, that is, calculates the storable number, and determines whether the calculated storable number falls below a predetermined value (predetermined number) (step S 708), If it falls below (YES in step S708), the exchange flag is turned on (step S709), and if it is not below (NO in step S708), the exchange flag is turned off (step S710). As a result, when a withdrawal transaction satisfying a predetermined withdrawal transaction condition is performed, the display of the exchange promotion screen is performed, and thus exchange can be promoted.

  Next, an example of the processing flow of ATM at the time of withdrawal transaction will be described using FIG. When the user selects a withdrawal transaction and the card or passbook is inserted, the ATM 10 accepts the card or passbook (step S801). When the ATM 10 receives a card or passbook, it displays a screen for inputting a personal identification number on the user operation unit 15, accepts a personal identification number input by the user (step S802), and accepts an input payment amount (step S803). ).

  The ATM 10 determines whether the predetermined withdrawal transaction condition is satisfied, that is, whether the withdrawal amount is 10,000 yen or more and the exchange flag is ON (step S804), and the withdrawal amount is 1 If it is 10,000 yen or more and the exchange flag is ON (YES in step S804), the exchange promotion screen is displayed on the user operation unit 15 (step S805). For example, when the user selects the exchange of ten yen bills from the user (step S806), the ATM 10 communicates with the host computer (step S807), and the host computer responds that there is no problem in executing the withdrawal transaction. If it has, the cash to be dispensed is counted (step S808), the bill inlet / outlet 13 is opened, and the cash is discharged (step S809). After the cash is discharged, the ATM 10 calculates the logical number (step S810), and returns the card or the passbook (step S811).

  When the dispensing transaction is completed, the ATM 10 calculates the process as described above, that is, calculates the number of storable sheets, and determines whether the calculated storable number is less than a predetermined value (predetermined number) (step S812) If less than (YES in step S812), the exchange flag is turned on (step S813), and if not (NO in step S812), the exchange flag is turned off (step S814). If it is determined in step S804 that the payment amount is 10,000 yen or more and the exchange flag is ON (YES in step S804), the exchange promotion screen is displayed on the user operation unit 15 (step S805). . As a result, when a withdrawal transaction satisfying a predetermined withdrawal transaction condition is performed, the display of the exchange promotion screen is performed, and therefore, currency exchange can be promoted.

  According to the above-described ATM 10, it is possible to avoid an increase in ATM management cost by keeping the amount of bills in the ATM at an appropriate amount and preventing the occurrence of a fall in the deposit transaction.

  In addition, although the content mentioned above urges exchange in the case of withdrawal transaction in order to prevent the occurrence of degeneracy in the deposit transaction, it does not encourage exchange but compresses the bills stored in the stacker or cassette. By securing the storage capacity of the stacker or the cassette by carrying out, etc., it may be possible to prevent the occurrence of degeneration of the deposit transaction.

  In addition, even if it is possible to exchange money into thousand banknotes, in the case of overpayment tendency (in the case where the number of denominations is extremely small in 1000 certificates), the exchange button should be hidden to prevent exchange. It is also possible to secure the number of thousand in the ATM 10. As a result, it is possible to suppress the dispatch of the bank clerk for filling the thousand banknotes and avoid an increase in the management cost of the ATM.

  In the above-described embodiment, the main processing of the ATM 10 is described as being executed by software processing by the CPU, but all or part of this processing may be realized by hardware.

  In addition, the above-described embodiment is not limited to the above-described embodiment, and various modifications can be made without departing from the scope of the embodiment.

10 ATM
DESCRIPTION OF SYMBOLS 11 card inlet / outlet 12 bankbook entrance / outlet 13 banknote inlet / outlet 14 coin inlet / outlet 15 user operation part 16 speaker 17 automatic machine sub display main body 18 automatic machine sub display 20 ATM control unit 21 internal memory 22 memory part 23 card processing unit 24 passbook processing unit 25 banknote processing Unit 26 coin processing unit 27 display unit 28 voice output unit 29 to host communication unit 50 calculation unit 51 determination unit 52 determination unit 52 control unit 53 storage unit 54 display unit 300 bill unit 301 shutter 302 deposit and withdrawal unit 303 return storage unit 304 temporary storage unit 305 , 306 million stacker 307 thousand sheet stacker 308 counting stacker 309 cassette F
310 cassette R
311, 312, 313 Reject 314 Cassette F Refill Reject Unit 315 Cassette R Refill Reject Unit 316 Discrimination Unit 317 Test Ticket Set Unit

Claims (6)

It is an automatic transaction device that automatically performs deposit and withdrawal transactions,
A calculation unit that calculates the number of storable sheets of a predetermined denomination;
A determination unit that determines whether the calculated storable number is less than a predetermined value;
A control unit that determines to display a currency exchange promotion screen prompting exchange by the predetermined denomination when it falls below the predetermined money type, and displays the currency exchange promotion screen when a withdrawal transaction satisfying a predetermined withdrawal transaction condition is performed And
Equipped
The automatic transaction apparatus, wherein the calculation unit calculates the storable number of the predetermined denomination based on the storable number of the stacker of the predetermined denomination and the storable number of cassettes.   The automatic transaction apparatus according to claim 1, wherein the control unit cancels the display determination of the exchange promotion screen when the number of storable sheets exceeds the predetermined value.   The automatic transaction apparatus according to claim 1, wherein the control unit cancels the display determination of the exchange promotion screen when the number of storable sheets exceeds a value different from the predetermined value. A method of promoting exchange by an automatic transaction apparatus that automatically performs deposit and withdrawal transactions,
Calculating a storable number of predetermined denominations;
Determining whether the calculated number of storable sheets is less than a predetermined value;
And a step of displaying the exchange promotion screen for prompting exchange by the predetermined denomination, and displaying the exchange promotion screen when a withdrawal transaction satisfying a predetermined withdrawal transaction condition is performed. ,
Have
In the step of calculating the storable number of predetermined denominations, the storable number of the predetermined denominations is calculated based on the storable number of stackers of the predetermined denominations and the storable number of cassettes. A currency exchange promotion method characterized by   The method according to claim 4, further comprising the step of canceling the display determination of the exchange promotion screen when the number of storable sheets exceeds the predetermined value.   The method according to claim 4, further comprising the step of canceling the display determination of the exchange promotion screen if the number of storable sheets exceeds a value different from the predetermined value.

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