JP6569390B2 - Automatic transaction equipment and foreign currency exchange system - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine for exchanging inserted currency into a foreign currency, and a foreign currency exchange system.

  The conventional automatic teller machine, when performing exchange to foreign currency, obtains exchange information such as the exchange rate of the foreign currency selected from the foreign currency type selection screen from the host computer, and banknotes for exchange from the banknote slot The foreign currency and statement slip corresponding to the amount of money inserted are discharged (for example, refer to Patent Document 1).

JP 2000-113285 A (paragraphs 0007, 0008, FIG. 2)

However, in the above-described conventional technology, there is a problem that it is not possible to exchange foreign currency banknotes that are not handled by the automatic teller machine.
In such a case, when you try to exchange money at the counter, according to the form of the application used for foreign currency exchange, the total amount of foreign currency to be exchanged, the number of breakdowns of the money type, and the exchange rate displayed in the store in the total foreign currency amount There is a problem that it takes time to fill in the application form, because it is necessary to fill in the description and name of the paid Japanese yen.

In addition, if the application form received at the counter is incomplete, it will be necessary to rewrite it, and there will be a problem that it takes time for the transaction at the counter.
The present invention has been made to solve the above-described problems, and an object of the present invention is to provide means for simplifying the procedure for foreign currency exchange.

The present invention, in order to solve the above problems, a document to be issued and the display screen, an operation display unit having an input means, and currency insertion-discharge opening to discharge the introduction of currency, a detailed statement that print the transaction information An automatic transaction apparatus that exchanges the currency inserted from the currency input / exit port into a foreign currency, and displays on the display screen the foreign currency type to be exchanged together with the exchange enable / disable information, and the input means. When a foreign currency type that cannot be exchanged is selected, the document printing unit prints and issues a document for exchange into a foreign currency of the foreign currency type that cannot be exchanged.

  In the case of the foreign currency type that cannot be exchanged, the present invention as described above issues an application document for exchanging the foreign currency type of foreign currency from the document printing department, so if the customer submits the application document to the window, It can be easily exchanged into a foreign currency bill of a desired foreign currency type, the efficiency of operations in foreign currency exchange can be improved, and the procedure in foreign currency exchange can be simplified.

The block diagram which shows the money exchange system of Example 1. The block diagram which shows the foreign currency exchange ATM of Example 1. Explanatory drawing which shows the foreign currency exchange ATM of Example 1. The block diagram which shows the window terminal of Example 1 The flowchart which shows the foreign currency exchange process of the foreign currency exchange ATM of Example 1. The flowchart which shows the foreign currency exchange process of the foreign currency exchange ATM of Example 1. The flowchart which shows the process at the time of degeneracy of the foreign currency exchange process of the foreign currency exchange ATM of Example 1. Explanatory drawing which shows the example of a display of the foreign currency classification selection reduction screen of Example 1. FIG. Explanatory drawing which shows the example of a display of the foreign currency classification selection screen of Example 1. Explanatory drawing which shows the example of a display of the withdrawal foreign currency breakdown breakdown input screen of Example 1. Explanatory drawing which shows the example of a display of the foreign currency breakdown breakdown input screen of Example 1. The flowchart which shows the foreign currency exchange process of the foreign currency exchange ATM of Example 2. The block diagram which shows the exchange system of Example 3 Block diagram showing ATM of embodiment 3 10 is a flowchart illustrating management processing of the management server according to the third embodiment. The flowchart which shows the foreign currency exchange process of the foreign currency exchange ATM of Example 3. The flowchart which shows the process at the time of degeneracy of the foreign currency exchange process of the foreign currency exchange ATM of Example 3. Explanatory drawing which shows the example of a display of the foreign currency classification selection screen of Example 3. The flowchart which shows the application document preparation process of ATM of Example 3 Explanatory drawing which shows the example of a display of the application document preparation foreign currency classification selection screen of Example 3. The flowchart which shows the application document issue process of the input terminal of Example 3 The flowchart which shows the terminal work process of the window terminal of Example 3

  Embodiments of an automatic transaction apparatus and a foreign currency exchange system according to the present invention will be described below with reference to the drawings.

Below, the foreign currency exchange ATM and foreign currency exchange system of a present Example are demonstrated using FIG. 1 thru | or FIG.
As shown in FIG. 1, in a branch of a financial institution such as a bank or a convenience store of the present embodiment, as shown in FIG. 1, a foreign currency exchange ATM 1 which is an automatic teller machine having a foreign currency exchange function as an automatic transaction apparatus, and a management server 2 and a window terminal 3 are installed.

Further, the foreign currency exchange system of the present embodiment connects the management server 2, a plurality of foreign currency exchange ATMs 1, and a window terminal 3 via an in-store network 4 such as a LAN (Local Area Network) shown by a broken line in FIG. The management server 2 is configured to be connected to an exchange rate distribution server 6 as a host device installed in the center of a financial institution via a communication line 7 such as a telephone line or a dedicated line.
The management server 2 is connected to the foreign currency exchange ATM 1 and the window terminal 3 via the in-store network 4 and is connected to the exchange rate distribution server 6 via the communication line 7, and has the configuration shown in FIG.

The server control unit 2a of the management server 2 has a function of controlling each unit in the management server 2 and executing a management process for managing each device in the store.
The storage unit 2b has a function of storing a program executed by the server control unit 2a, various data used therein, a processing result by the server control unit 2a, and the like, and an exchange rate storage unit 2c is formed in advance. .
The exchange rate distribution server 6 has a function of distributing an exchange rate including a fee set periodically or as needed to the management server 2 of each store.

The foreign currency exchange ATM 1 of the present embodiment has a function that is operated by a customer and automatically performs transaction processing with cash including foreign currency exchange transactions with the customer. The configuration shown in FIGS. I have.
The control unit 11 of the foreign currency exchange ATM 1 is connected to a host computer (not shown) via the communication line 7 and is connected to the management server 2 via the in-store network 4, and controls each part in the foreign currency exchange ATM 1, It has a function to execute transaction processing including foreign currency exchange transactions.

The storage unit 12 stores a program executed by the control unit 11, various data used for the program, a processing result by the control unit 11, and the like.
The operation display unit 13 is provided in front of the foreign currency exchange ATM 1 and includes a display screen such as an LCD and input means such as a touch panel and has a function of displaying a transaction selection screen, various input screens, and the like on the display screen. At the same time, it has a function of accepting input from the customer by the input means.

The customer detection sensor 13a is an optical proximity sensor provided on the front side of the operation display unit 13 or the front panel in the vicinity of the operation display unit 13, and detects the approaching and leaving of the customer to the foreign currency exchange ATM1. A customer detection signal or a customer leaving signal is output to the control unit 11.
The card handling unit 14 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. Have.

  The receipt issuing unit 15 as a document printing unit is equipped with a print head of thermal type or the like, and prints transaction information such as transaction details after depositing Japanese yen in a foreign currency exchange described later on receipt paper. Apply for receipt paper as a document to exchange your currency (Japanese yen in this example) into foreign currency at the function to issue statement slips from the receipt issuing port 15a and at the exchange window 8 (see Fig. 1). It has a function of issuing an application document printed with information from the receipt issuing port 15a.

The application information of the present embodiment has a structure corresponding to the items described in the exchange application form. For example, the exchange date and time, the exchange rate at that time, the total amount of foreign currency, and the corresponding exchange cost It consists of the payment amount of a certain Japanese yen, the foreign currency type of the foreign currency to be exchanged, and the breakdown number of the money type (details will be described later).
In addition, the application information of the present embodiment is a barcode such as a so-called one-dimensional code or two-dimensional code (in this embodiment, a QR (Quick Response) code (DENSO Corporation) which is a two-dimensional code). Registered trademark of JIS X 0510-2004)).

In the following description, Japanese yen banknotes and coins distributed in Japan are referred to as currency, and when distinguished from foreign currency, they are referred to as Japanese currency or Japanese yen.
The passbook handling unit 16 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, and the function of writing the transaction contents in the customer's passbook, etc. have.

The banknote deposit / withdrawal unit 17 accepts a banknote inserted by a customer by opening a shutter (not shown) of a banknote deposit / withdrawal port 17a (see FIG. 3) as a currency input / output port at the time of a deposit transaction, etc., and discriminates and counts it. The banknotes are stored in the storage, and the withdrawal banknotes are paid out from the storage at the time of withdrawal transactions, etc., and these are discriminated and counted, accumulated in the banknote deposit / withdrawal port 17a, and delivered to the customer. doing.
In addition, the banknote depositing / withdrawing port 17a of a present Example functions also as a foreign currency dispensing port which accumulate | stores the foreign banknote mentioned later.

The coin deposit / withdrawal unit 18 opens a shutter of a coin deposit / withdrawal port (not shown) at the time of deposit transaction or the like, accepts coins inserted by the customer, discriminates and counts them, and stores them in the storage. In the withdrawal transaction, etc., the withdrawal coins are fed out from the storage, discriminated and counted, accumulated in the coin deposit / withdrawal port, and the accumulated withdrawal coins are delivered to the customer.
At the time of foreign currency exchange transaction, the foreign currency dispensing unit 19 feeds foreign banknotes for exchange from the foreign currency storage box 21 (see FIG. 3) to the foreign currency transport path 22 and transports them to the foreign currency discrimination unit 23. It has a function of discriminating and counting seeds and the like, collecting them in the banknote deposit / withdrawal port 17a, and delivering the accumulated foreign banknotes to customers.

In the foreign currency storage 21 of the present embodiment, 10 dollar bills and 100 dollar bills of US dollars (simply referred to as dollars) are stored by denomination.
The window terminal 3 is a terminal device that is installed in the money exchange window 8 and is operated by the window staff of the money exchange window 8. The window terminal 3 has the configuration shown in FIG.
The control unit 31 of the window terminal 3 is connected to the management server 2 via the in-store network 4, and controls each section in the window terminal 3 to exchange Japanese yen with the window staff in the foreign currency exchange transaction by the currency exchange window 8. It has a function to execute deposit / withdrawal transaction processing.

The storage unit 32 stores a program executed by the control unit 31, various data used for the program, a processing result by the control unit 31, and the like.
The display unit 33 is provided with a display screen such as an LCD, and has a function of displaying a job selection screen, various input screens, and the like of a job performed by a window attendant.
The input unit 34 includes various input keys such as a character key and a numeric keypad, a unit key for banknotes distributed in Japan and overseas, and a “confirmation” key. Enter the information.

The printing unit 35 has a print head and follows a function for discharging a transaction slip such as transaction details of a foreign currency exchange transaction, a document necessary for the foreign currency exchange transaction, for example, a format of an exchange application form. It has a function to print and discharge application forms.
The image information reading unit 36 includes a scanner having a line sensor composed of a CCD (Charge Coupled Device) and the like, a function for reading character information printed on a set application document and converting it into character data, etc. It has a function of reading an image of a barcode printed on the applied application document, etc., decoding the image, and reading application information included in the barcode.

The banknote deposit / withdrawal unit 37 accepts banknotes inserted by a counter staff at the time of a deposit transaction, etc., discriminates and counts them and stores them in a storage, and pays out banknotes from the storage at the time of a withdrawal transaction, and counts them. And has the function of handing it over to the counter staff.
The coin deposit / withdrawal unit 38 accepts the coins inserted by the counter staff at the time of deposit transaction, etc., discriminates and counts them, stores them in the storage, and pays out coins from the storage at the time of withdrawal transactions, and counts them. And has the function of handing it over to the counter staff.

  The storage unit 12 of the above foreign currency exchange ATM 1 usually has an automatic transaction function or the like that accepts an input of a transaction selected by a customer and communicates with a host computer (not shown) based on this to automatically perform transaction processing with the customer Transaction processing program, and a business processing program including an application program having a function of performing foreign currency exchange processing of the present embodiment in cooperation with the management server 2 described with reference to FIGS. 5, 6, and 7 is stored in advance. The functional units of the foreign currency exchange ATM 1 of this embodiment are formed by the steps of the business processing program executed by the control unit 11.

  The storage unit 12 stores a standby determination time (in this embodiment, about 3 minutes) for determining that the operating state has become a standby state, and stores the operating state of the foreign currency exchange ATM1. An operation state storage area for storing “in operation”, “standby”, and “degeneration” is secured in advance.

In the storage unit 2b of the management server 2, the currency exchange rate distribution server 6, the foreign currency exchange ATM 1 in the store, the window terminal 3 and the foreign currency exchange ATM1 shown in FIG. A management processing program including an application program having a function of performing the management processing is stored in advance, and each functional unit of the management server 2 of this embodiment is formed by the steps of the management processing program executed by the management server 2. .
The storage unit 2b is preliminarily formed with an exchange rate storage unit 2c including a storage area for storing the latest exchange rate distributed for each foreign currency type (dollar, euro, etc.) for each foreign currency type.

  The storage unit 32 of the window terminal 3 stores in advance a terminal transaction processing program including an application program having a function of performing terminal transaction processing according to the present embodiment, which will be described in the foreign currency exchange processing of the foreign currency exchange ATM 1 shown in FIG. Each functional means of the window terminal 3 of this embodiment is formed by the steps of the terminal business processing program executed by the control unit 31.

  The exchange rate distribution server 6 is pre-installed with an exchange rate distribution processing program including an application program having a function of distributing the exchange rate set periodically or as needed to the management server 2 of each store, and the like. Each functional means of the exchange rate distribution server 6 of this embodiment is formed by the steps of the exchange rate distribution processing program executed by the exchange rate distribution server 6.

Below, the foreign currency exchange process by foreign currency exchange ATM1 by foreign currency exchange ATM1 of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG. 5, FIG.
When a staff member of a financial institution stores powers on the management server 2 at the start of work, the management processing program stored in the storage unit 2b of the management server 2 is automatically activated.

As a result, the server control unit 2a starts the management process, and stores the latest exchange rate for each foreign currency type that is distributed regularly or as needed from the exchange rate distribution server 6 via the communication line 7 every time it is received. While updating the exchange rate in the storage area for each foreign currency type in the exchange rate storage unit 2c of the unit 2b, the system waits for reception of the exchange rate acquisition request from the foreign currency exchange ATM1.
Further, when a staff member of a financial institution stores a power source to the foreign currency exchange ATM 1 at the start of business, the business processing program stored in the storage unit 12 of the foreign currency exchange ATM 1 is automatically activated.

S1: When the business processing program is activated, the control unit 11 of the foreign currency exchange ATM 1 displays an initial screen on the display screen of the operation display unit 13 that displays a word indicating appreciation for visiting the store, such as “I welcome you”.
S2: The control unit 11 displaying the initial screen waits for the elapse of the standby determination time (about 3 minutes in the present embodiment) stored in the storage unit 12 by the clock function, and determines the standby determination. When the time has elapsed, the process proceeds to step S3. If the standby determination time has not elapsed, the process proceeds to step S4.

S3: After determining that the standby determination time has elapsed, the control unit 11 rewrites the operating state of the operating state storage area of the storage unit 12 to “standby” and proceeds to step S4.
S4: The control unit 11 checks each part in the foreign currency exchange ATM1 to determine whether or not to execute the foreign currency exchange process. If the normal processing operation described below is impossible due to the occurrence of a failure or the like, the control unit 11 uses the foreign currency exchange ATM1. It is determined that foreign currency cannot be exchanged, and the process proceeds to step S5. If the normal processing operation is possible, the process proceeds to step S9.

S5: The control unit 11 that has determined that the normal processing operation is not possible due to the occurrence of a failure or the like determines whether or not the printing operation by the receipt issuing unit 15 is possible. Transition. If the printing operation for printing the application document is possible, the process proceeds to step S7.
S6: The control unit 11 that has determined that the printing operation by the receipt issuing unit 15 is not possible displays a foreign currency handling stop screen displaying a message indicating that foreign currency cannot be handled on the display screen of the operation display unit 13, and foreign currency exchange. The operation of ATM1 is stopped, and the system waits for the maintenance staff to restore the receipt issuing unit 15 and the like.

S7: The control unit 11 that has determined that the printing operation is possible rewrites the operation state of the operation state storage area of the storage unit 12 to “degenerate”, and proceeds to step S8.
S8: The control unit 11 having rewritten the operating state to “degenerate” replaces the initial screen displayed on the display screen of the operation display unit 13 with the foreign currency type selection degenerate screen shown in FIG. 8, and proceeds to step S9. Transition.

On the foreign currency type selection reduction screen, it is possible to exchange at the currency exchange window 8 using the wording that it is impossible to exchange money using the foreign currency exchange ATM 1 and the application document issued in the subsequent step SA5 (FIG. 7). , A message for prompting selection of a foreign currency type to be exchanged at the currency exchange window 8, a selection button for each foreign currency type, and the like.
During the reduction process described later (see FIG. 7), the foreign currency type selection reduction screen is displayed instead of the initial screen, and step S2 is skipped.

S9: While monitoring the output from the customer detection sensor 13a, the control unit 11 stands by in a customer waiting state waiting for the customer detection sensor 13a to detect the customer, and a customer detection signal is output from the customer detection sensor 13a. If so, the process proceeds to step S10.
When the customer detection signal is not output, that is, when the customer leaving signal is output, the process returns to step S1, and the initial screen is displayed on the display screen of the operation display unit 13 (Foreign currency type selection reduction screen during reduction processing). , The standby in the waiting state for the standby determination time in step S2, the confirmation of each part in the foreign currency exchange ATM1 in step S4, and the standby in the customer waiting state in step S9 are continued.

S10: The control unit 11 that has detected the customer checks the operation state of the operation state storage area of the storage unit 12, and proceeds to step S11 if the operation state is not “degenerate”.
When the operating state is “degenerate”, the process proceeds to step SA1 of FIG. 7 via the connector A in order to execute the process at the time of degeneration of the foreign currency exchange ATM1.
S11: Recognizing that the operation state is not “degenerate”, the control unit 11 rewrites the operation state of the operation state storage area of the storage unit 12 to “in operation” and proceeds to step S12.

S12: The control unit 11 having rewritten the operation state to “in operation” displays a transaction selection screen on the display screen of the operation display unit 13, and waits for the customer to press the transaction selection button.
On the transaction selection screen, a message prompting you to press the transaction selection button, a “draw” button for withdrawal transactions, a “deposit” button for deposit transactions, and “transfer” for transfer transactions Button, "Balance inquiry" button for balance inquiry transaction to inquire account balance, "Passbook entry" button for passbook entry transaction to write transaction data not filled in passbook, foreign currency exchange to convert Japanese yen to foreign currency A transaction selection button for selecting a transaction such as a “Foreign Currency Exchange” button for performing the transaction is displayed.

In this embodiment, a customer as an operator selects a foreign currency exchange transaction, and presses a “foreign currency exchange” button from the display screen of the operation display unit 13 using a touch panel.
S13: The control part 11 which recognized the transaction which the customer selected with the input means of the operation display part 13 transfers to step S15, when the recognized transaction is a foreign currency exchange transaction. If the recognized transaction is a normal transaction other than the foreign currency exchange transaction, the process proceeds to step S14.
S14: The control unit 11 that recognizes the transaction selected by the customer as a normal transaction executes a transaction process for a normal transaction such as a deposit transaction or a withdrawal transaction.

In addition, since the processing operation in the case of a normal transaction is the same as the processing operation of a normal automatic teller machine, description thereof will be omitted. At the end of the normal transaction processing operation, the receipt issuing unit 15 issues a statement slip on which the transaction details of the transaction are printed.
The control unit 11 that has finished executing the transaction process of the normal transaction ends the transaction process, returns to step S1, and waits for the elapse of the standby determination time in step S2 while displaying the initial screen on the display screen of the operation display unit 13. The standby in the state, the confirmation of each part in the foreign currency exchange ATM 1 in step S4, and the standby in the customer waiting state in step S9 are continued.

S15: The control unit 11 that has recognized the transaction selected by the customer as a foreign currency exchange transaction displays the foreign currency type selection screen shown in FIG. 9 on the display screen of the operation display unit 13.
On the foreign currency type selection screen, a message for prompting the selection of the foreign currency type, a selection button for each foreign currency type, and exchangeable / non-permissible information including words indicating whether currency exchange is possible or not for each foreign currency type are displayed. .

In this embodiment, “Dollar” and “Euro” are displayed as selection buttons. For the dollar, exchange permission / prohibition information including a message indicating that currency exchange by ATM 1 is possible is displayed. Displays information indicating whether or not money exchange is possible using the foreign currency exchange ATM 1, and that indicates whether the money can be exchanged at the currency exchange window 8 using the application document issued in the subsequent step S 29.
The customer presses the “Dollar” button when exchanging Japanese yen into dollars, and presses the “Euro” button when exchanging into euros.
When the control unit 11 recognizes that the foreign currency type selection button is pressed by the input means of the operation display unit 13, the control unit 11 proceeds to step S16 in FIG.

S16 (FIG. 6): The control unit 11 that has recognized the selection button pressed by the customer stores the selected foreign currency type in the foreign currency exchange ATM 1 because the pressed selection button is a “dollar” button. If it is recognized as dollars, the process proceeds to step S17 in order to exchange Japanese yen into dollars.
If the selected button is the “Euro” button, and the selected foreign currency type is recognized as the euro that is not stored in the foreign currency exchange ATM1, the application document used for the foreign currency exchange transaction at the currency exchange window 8 is created. Therefore, the process proceeds to step S25.

S <b> 17: The control unit 11 that has determined execution of exchange from Japanese yen to dollars displays the withdrawal foreign currency breakdown input screen shown in FIG. 10 on the display screen of the operation display unit 13.
On the withdrawal foreign currency breakdown input screen, a message that prompts the user to enter the number of breakdowns for the selected foreign currency type (in this step, dollars), a selection button for the selected foreign currency type, and a breakdown for withdrawal A number input field, a numeric keypad for inputting the number of breakdowns, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.
In this embodiment, “10 dollars” and “100 dollars” are displayed as the denominations to be withdrawn, and the customer inputs the desired number of breakdowns with the numeric keypad in the input field while pressing the selection button of the money type. When the input of the number of breakdowns of the type is completed, the “Confirm” button is pressed.

  S18: The control unit 11 that has recognized the end of the input of the number of dollar denominations by pressing the “confirm” button is selected to acquire the exchange rate for the selected foreign currency type (in this step, dollar). The exchange rate acquisition request including the foreign currency type is transmitted to the management server 2 via the in-store network 4, and the server control unit 2a of the management server 2 receives the exchange rate acquisition request from the storage area for each foreign currency type in the exchange rate storage unit 2c. The latest exchange rate corresponding to the foreign currency type is read, and the read exchange rate is transmitted to the foreign currency exchange ATM 1 of the transmission source.

S19: The control unit 11 of the foreign currency exchange ATM 1 that has acquired the latest exchange rate calculates the total amount of foreign currency to be exchanged based on the number of breakdowns of the input foreign currency denominations, and multiplies this by the acquired exchange rate. Calculate the deposit amount in Japanese yen as the amount corresponding to the cost required for exchange.
After the calculation of the deposit amount, the control unit 11 displays, on the display screen of the operation display unit 13, a wording that prompts the user to insert Japanese currency corresponding to the deposit amount, the calculated deposit amount of the Japanese yen, etc. The shutters of the deposit / withdrawal port 17a and the coin deposit / withdrawal port are opened to wait for the customer to input the currency, and when the currency is inserted, the process proceeds to step S20.

S20: The control part 11 which recognized that the banknote and / or coin was thrown into the banknote depositing / withdrawing port 17a and / or coin depositing / withdrawing port closed each shutter, and the banknote depositing / withdrawing part 17 and / or coin The deposit / withdrawal unit 18 performs a deposit / currency capturing process for discriminating and counting the inserted currency and temporarily holding it, and calculates the amount of currency input by the customer based on the counted number of money types.
S21: After calculating the input amount, the control unit 11 instructs the confirmation display on the display screen of the operation display unit 13 to confirm the input amount, the calculated input amount, and confirmation of the displayed input amount. ”Button or the like is displayed, waiting for the customer to press the“ confirm ”button, and when the“ confirm ”button is pressed, the process proceeds to step S22.

S22: The control unit 11 that has recognized the confirmation of the input amount by pressing the “confirm” button executes a deposit currency storing process for storing the temporarily held currency in each storage.
At this time, when change is required, the currency corresponding to change is fed out from each storage, and after discrimination and counting, it is accumulated at the banknote deposit / withdrawal port 17a and / or the coin deposit / withdrawal port. Open the shutter and return the change to the customer.

S23: The control unit 11 that has finished the deposit currency storage process or the return of the change to the customer executes a foreign currency exchange process.
That is, the control unit 11 transfers the foreign banknotes from the foreign currency storage unit 21 of the foreign currency dispensing unit 19 that stores the foreign currency banknotes (dollars in this step) for which the breakdown number is input in step S17. To the foreign currency discriminating unit 23, and accumulates in the banknote deposit / withdrawal port 17a while counting the number of denominations based on the denomination identified by the foreign currency discrimination unit 23, and the accumulated number reaches the breakdown number of denominations The shutter of the banknote deposit / withdrawal port 17a is opened.

At the same time, the control unit 11 causes the receipt issuing unit 15 to print transaction information such as the issue date and time, the total amount of foreign currency and the deposit amount in the current foreign currency exchange processing on a statement slip, and discharges it from the receipt issue port 15a. .
And the control part 11 waits for the receipt by the customer of the foreign banknote and the statement slip accumulated in the banknote depositing / withdrawing port 17a.

  S24: The control unit 11 waiting for the customer to receive the foreign banknotes and statement slips accumulated in the banknote deposit / withdrawal port 17a confirms the receipt of the exchanged foreign bills and statement slips by the customer, and the customer detection sensor 13a. When the customer leaving signal is confirmed, the current foreign currency exchange processing is terminated, the process returns to step S1, and the initial screen is displayed on the display screen of the operation display unit 13, while each part in the foreign currency exchange ATM1 in step S4 is displayed. Confirmation and waiting in the customer waiting state in step S9 is continued.

S25: When the selected foreign currency type is the euro that is not stored in the foreign currency exchange ATM 1 in step S16, the control unit 11 that has determined the creation of the application document used for the exchange at the currency exchange window 8 is the operation display unit. On the 13 display screen, the foreign currency breakdown breakdown input screen shown in FIG. 11 is displayed.
On the exchange foreign currency breakdown input screen, the text prompting you to enter the number of breakdowns for the selected foreign currency type (in this step, euro), the selection button for the selected foreign currency type denomination, and the number of breakdowns to be converted to the denomination An input field, a numeric keypad for inputting the number of breakdowns, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.

In this embodiment, “10 euro” and “100 euro” are displayed as the denominations to be withdrawn, and the customer inputs the desired number of breakdowns using the numeric keypad in the input field while pressing the selection button of the denomination. When the input of the number of breakdowns of the type is completed, the “Confirm” button is pressed.
S26: The control unit 11 that has recognized the end of inputting the number of euro denominations by pressing the “confirm” button, as in step S18, performs the latest exchange for the selected foreign currency type (in this step, euro). While acquiring the rate, the current date and time (including year, month, day, hour, minute and second) recognized by the clock function is temporarily stored in the storage unit 12 as the exchange rate acquisition date and time, and the process proceeds to step S27.

S27: The control unit 11 of the foreign currency exchange ATM 1 that has acquired the latest exchange rate calculates the total amount of foreign currency to be exchanged based on the number of breakdowns of the input foreign currency denominations, and multiplies this by the acquired exchange rate. The amount of payment in Japanese yen is calculated as an amount corresponding to the cost required for exchange at the currency exchange window 8.
S28: After completing the calculation of the payment amount, the control unit 11 receives the exchange rate acquisition date and time temporarily stored in step S26, the acquired exchange rate, the payment amount of Japanese yen calculated in step S27, and the foreign currency type input in step S25. If you submit the application number issued in step S29 to the currency exchange window 8 and submit it together with the Japanese yen corresponding to the displayed payment amount, you can divide the selected foreign currency type foreign banknotes into the number of breakdowns. A currency exchange window guidance screen displaying a message indicating that it can be received is displayed, and the process proceeds to step S29.

S <b> 29: The control unit 11 that has displayed the exchange window guidance screen executes a printing process for application documents used for foreign currency exchange transactions at the exchange window 8.
That is, the control unit 11 inputs the exchange rate acquisition date and time temporarily stored in the above step 20, the exchange rate acquired at that time, the total amount of foreign currency calculated in step S27, and the corresponding Japanese yen payment amount in step S25. Generates application information consisting of the number of foreign currency types and the number of denominations of the money type, etc., barcode print data obtained by encrypting the generated application information and converting it into a barcode, issuance date, entered foreign currency type and its money Send print data of character information consisting of the number of breakdowns by type, payment amount in Japanese yen, etc. to the receipt issuing unit 15 to create application documents for foreign currency exchange that print barcodes and character information, and receive this It is discharged from the issue port 15a and waits for receipt of the application document by the customer.

S30: The control unit 11 that has been waiting for the receipt of the application document by the customer confirms the receipt of the application document by the customer and confirms the customer leaving signal from the customer detection sensor 13a. , The process returns to step S1, the initial screen is displayed on the display screen of the operation display unit 13, the standby in the waiting determination time elapse state in step S2, confirmation of each part in the foreign currency exchange ATM 1 in step S4, The standby in the customer waiting state in step S9 is continued.
Thus, the foreign currency exchange process by the foreign currency exchange ATM 1 of the present embodiment is executed.

  On the other hand, the customer brings the issued application document and submits it together with the Japanese yen corresponding to the payment amount printed on the application document to the counter at the exchange window 8 (see Fig. 1). Receive the application document and the Japanese yen, set the received application document in the scanner of the image information reading unit 36 of the window terminal 3, and select “Foreign Currency Exchange” from the job selection screen displayed on the display unit 33 of the window terminal 3. select.

The control unit 31 of the window terminal 3 that has recognized the selection of the window clerk reads the image of the application document set by the image information reading unit 36, decodes the barcode image, and reads the application information included in the barcode. The read application information is displayed on the display unit 33.
The window clerk confirms that the application information displayed on the display unit 33 has been correctly decoded without misdecoding, and confirms that the received Japanese yen is equal to or greater than the displayed Japanese yen payment. Then, the “confirm” key of the input unit 34 is pressed.

Recognizing that the “Confirm” key has been pressed, the control unit 31 displays a message on the display unit 33 prompting the user to input the payment amount, and the Japanese yen received by the counter clerk from the customer is displayed in the banknote deposit / withdrawal unit 37 and / or When inserted into the coin deposit / withdrawal unit 38, the control unit 31 discriminates and counts the entered currency by the banknote deposit / withdrawal unit 37 and / or the coin deposit / withdrawal unit 38, temporarily holds it, and the input amount of the entered currency And the input amount is displayed on the display unit 33.
When the window clerk confirms the displayed input amount with the customer and presses the “confirm” key of the input unit 34, the control unit 31 stores the temporarily held currency in each storage.

The control unit 31 storing the currency prints and discharges the application form according to the exchange application form by the printing unit 35, and also displays the transaction date and time, the total amount of foreign currency and the payment amount, etc. in the current foreign currency exchange process. The slip printed with transaction information is discharged. At this time, if change is required, the currency corresponding to the change is paid out from each storage.
The counter clerk asks the customer to sign the discharged application form, and when the customer signs the application form, the foreign bill of foreign currency type printed on the application form is divided into the number of breakdowns together with the discharged statement slips. Hand it over. If the change is discharged at this time, the changed change is returned to the customer.
Thus, the foreign currency exchange process by the foreign currency exchange ATM 1 of the present embodiment is executed.

Below, the process at the time of degeneration of the foreign currency exchange process by foreign currency exchange ATM1 of a present Example is demonstrated according to the step shown by SA using the flowchart shown in FIG.
The processing at the time of degeneration in the present embodiment is that when at least one of the storages of the banknote depositing / dispensing unit 17 and the coin depositing / dispensing unit 18 is full, the billing deposit / withdrawal cannot be performed when the storage process of the input Japanese yen cannot be performed. Because it is before the start of recovery work by maintenance personnel after a transport failure such as a jam occurs somewhere in the transport path of the section 17 and the coin deposit / withdrawal section 18 and the foreign currency transport path 22 of the foreign currency withdrawal section 19 When it is not possible to deposit or withdraw yen or exchange into foreign currency, it is determined that at least one stored number in the foreign currency storage 21 is too small (including empty) and cannot be converted into foreign currency requested by the customer. This is executed when foreign currency exchange on the spot by the foreign currency exchange ATM 1 cannot be performed.

SA1: Since the printing operation by the receipt issuing unit 15 is possible, the control unit of the foreign currency exchange ATM 1 shifted from step S10 of FIG. 5 through the connector A to execute the process at the time of degeneration of the apparatus. 11 waits for the foreign currency type selection button to be pressed while displaying the foreign currency type selection reduction screen (FIG. 8) on the display screen of the operation display unit 13, and when the customer presses the selection button, the process goes to step SA2. Transition. When the selection button is not pressed, the standby is continued.
In the foreign currency type selection reduction screen of the present embodiment, “dollar” and “euro” are displayed as selection buttons, and the customer presses the “dollar” button to exchange Japanese yen into dollars at the exchange window 8, Press the "Euro" button to change to euro.

SA2: When the control unit 11 recognizes that the customer has pressed the selection button, when the “dollar” button is pressed, an exchange foreign currency breakdown entry screen for inputting the number of dollar denominations (similar to FIG. 10). 11) is displayed on the display screen of the operation display unit 13 when the “Euro” button is pressed, the exchange foreign currency breakdown entry screen shown in FIG.
On the exchange foreign currency breakdown input screen, the text prompting you to enter the number of breakdowns for the selected foreign currency type, the selection button for the money type of the selected foreign currency type, the input field for the number of breakdowns to be converted to the money type, the number of breakdowns A numeric keypad for input, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.

In this embodiment, the customer inputs the desired number of breakdowns with the numeric keypad while pressing the selection button for the money type, and presses the “Confirm” button when the entry of the number of breakdowns for the money type is completed.
The subsequent processing operations in steps SA3 to SA6 are the same as the processing operations in steps S26 to S29 in FIG.
In this case, when the customer presses the “dollar” button, the exchange rate for the dollar is acquired in step SA2.

SA7: The control unit 11 waiting for the customer to receive the application document confirms the receipt of the application document by the customer and confirms the customer leaving signal from the customer detection sensor 13a. The process returns to step S1, and the standby in the customer waiting state in step S9 is continued while the foreign currency type selection reduction screen in step S8 is displayed on the display screen of the operation display unit 13.
In this way, the degeneration process of the foreign currency exchange process by the foreign currency exchange ATM 1 of the present embodiment is executed.

As described above, in the regular currency exchange processing of the present embodiment, if the customer selects the foreign currency type to be exchanged using the foreign currency exchange ATM1 and inputs the breakdown number of the money type, it is stored in the foreign currency exchange ATM1. Foreign currency types that can be exchanged can be exchanged on the spot.
In addition, foreign currency types that are not stored in the foreign currency exchange ATM 1 are non-exchangeable and issue application documents to be used for exchange from the receipt issuing unit 15, so if the customer submits the application documents to the currency exchange window 8, the desired foreign currency type Can be easily exchanged into foreign currency bills, and the time required to complete the application for exchange by the customer and the time required for confirmation of the application by the person in charge at the currency exchange window 8 can be shortened to improve the efficiency of window operations in foreign currency exchange. In addition, it is possible to simplify procedures for foreign currency exchange.

  Further, in the degeneration process of the foreign currency exchange process of the present embodiment, the receipt issuing unit 15 can perform the printing operation even when the foreign currency cannot be exchanged on the spot due to a failure occurring in the foreign currency exchange ATM1. If there is, the customer will issue the application documents of the desired foreign currency type to be submitted to the exchange window 8, so the time required for filling out the exchange application form by the customer and the time for confirmation of the application form by the contact person at the window should be shortened. It is possible to alleviate the congestion at the currency exchange window 8 and to improve the operational efficiency of the foreign currency exchange ATM 1.

Below, the foreign currency exchange ATM of a present Example is demonstrated using FIG. 5 and 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 storage unit 12 of the foreign currency exchange ATM 1 of the present embodiment, from the same transaction transaction program as in the first embodiment, an application program having a function of performing the foreign currency exchange processing described with reference to FIGS. The business processing program is stored in advance, and each functional means of the foreign currency exchange ATM 1 of this embodiment is formed by the steps of the business processing program executed by the control unit 11.

Further, the storage unit 12 stores a standby determination time (in the present embodiment, about 3 minutes) similar to that in the first embodiment, and stores an operating state storage area similar to that in the first embodiment. It is secured.
The storage unit 2b of the management server 2 of the present embodiment stores a management processing program in the same manner as in the first embodiment, and the management server of the present embodiment depends on the steps of the management processing program executed by the management server 2. Two functional means are formed.

Further, the exchange rate storage unit 2c, which is the same as that of the first embodiment, is formed in advance in the storage unit 2b of the present embodiment.
The storage unit 32 of the window terminal 3 stores a terminal job processing program in the same manner as in the first embodiment, and the window of the window terminal 3 of this embodiment is executed according to the steps of the terminal job processing program executed by the control unit 31. Each functional means is formed.
The exchange rate distribution server 6 is preinstalled with an exchange rate distribution processing program similar to that of the first embodiment, and the exchange rate distribution processing program executed by the exchange rate distribution server 6 performs the exchange rate of this embodiment. Each functional means of the distribution server 6 is formed.

Below, the foreign currency exchange process by foreign currency exchange ATM1 of a present Example is demonstrated according to the step shown by SB using the flowchart shown in FIG. 5, FIG.
In the following description, the step name indicated by S shown in FIG. 5 is referred to as SB.
In step SB15, the control unit 11 of the foreign currency exchange ATM 1 proceeds to step SB16 of FIG. 12 through the connector C when the input unit of the operation display unit 13 recognizes that the foreign currency type selection button has been pressed. .

Since the processing operations of steps SB1 to SB25 of the present embodiment are the same as the processing operations of steps S1 to S25 of the first embodiment, description thereof will be omitted.
SB26: The control unit 11 that has recognized the end of inputting the number of euro denominations by pressing the “confirm” button, for the selected foreign currency type (in this step, euro) in the same manner as in step S18 of the first embodiment. The latest exchange rate is acquired, and the current date and time when the exchange rate is acquired, recognized by the clock function, is temporarily stored in the storage unit 12 as the exchange rate acquisition date and the process proceeds to step SB27.

SB27: The control unit 11 of the foreign currency exchange ATM 1 that has acquired the latest exchange rate calculates the total amount of foreign currency to be exchanged based on the number of breakdowns of the input foreign currency denominations, and multiplies this by the acquired exchange rate. The amount of payment in Japanese yen is calculated as the cost required for exchange.
After the calculation of the payment amount, the control unit 11 displays, on the display screen of the operation display unit 13, a message for prompting the insertion of the Japanese currency corresponding to the payment amount, the calculated payment amount of the Japanese yen, etc. The deposit / withdrawal port 17a and the coin deposit / withdrawal port are opened to wait for the customer to input the currency, and when the currency is inserted, the process proceeds to step SB28.

SB28: The control unit 11 that recognizes that the banknote and / or coin has been inserted into the banknote deposit / withdrawal port 17a and / or the coin deposit / withdrawal port takes in the payment currency in the same manner as in step S20 of the first embodiment. The process is executed, and the input amount of the currency input by the customer is calculated based on the counted number of money types.
SB29: The control unit 11 that has finished calculating the input amount instructs the display screen of the operation display unit 13 to confirm the input amount, confirms the calculated input amount, and confirms the displayed input amount. ”Button and the like are displayed, waiting for the customer to press the“ confirm ”button, and when the“ confirm ”button is pressed, the process proceeds to step SB30.

SB30: The control unit 11 that has confirmed the confirmation of the input amount by pressing the “confirm” button executes a payment currency storing process for storing the temporarily held currency in each storage.
At this time, when change is required, the currency corresponding to change is fed out from each storage, and after discrimination and counting, it is accumulated at the banknote deposit / withdrawal port 17a and / or the coin deposit / withdrawal port. Open the shutter and return the change to the customer.

SB31: After the payment currency storage process or the return of the change to the customer, the control unit 11 determines the exchange rate acquisition date and time, the acquired exchange rate, the calculated Japanese yen payment amount, the entered foreign currency type and the breakdown of the money type If you submit the number of copies and the application document issued in step SB32 to the currency exchange window 8, you will be presented with a currency exchange window guidance screen that displays a statement that you can receive the selected foreign currency type foreign banknotes divided into the entered number of breakdowns Then, the process proceeds to step SB32.
SB32: The control unit 11 that has displayed the exchange window guidance screen executes the printing process of the application document used for the foreign currency exchange transaction at the exchange window 8.

That is, the control unit 11 receives the exchange rate acquisition date and time temporarily stored in step SB26, the exchange rate acquired at that time, the total amount of foreign currency calculated in step SB27, and the corresponding Japanese yen payment amount, which are input in step SB25. Barcode print data generated by generating application information consisting of information indicating that the foreign currency type and the breakdown number of the money type, the expense required for the exchange have been paid in advance, etc., and converting the generated application information into a barcode, Send the print data of the character information consisting of the issue date, the entered foreign currency type and the number of breakdowns of the money type, and the words such as “paid” indicating that the cost required for the exchange has been paid in advance to the receipt issuing unit 15, An application document in which the barcode and character information are printed is created and discharged from the receipt issuing port 15a.
In parallel with this, the control unit 11 uses the receipt issuing unit 15 to print transaction information such as the date and time of issue and the total amount of foreign currency and the payment amount in the current foreign currency exchange process on a statement slip and discharge it from the receipt issuing port 15a. .

Then, the control unit 11 waits for receipt of the application form and the detailed slip by the customer.
SB33: The control unit 11 waiting for receipt of the application documents and statement slips discharged from the receipt issuing port 15a by the customer confirms receipt of the application documents and statement slips by the customer, and the customer from the customer detection sensor 13a. When the exit signal is confirmed, the current currency exchange process is terminated, the process returns to step SB1, and the initial screen is displayed on the display screen of the operation display unit 13, while the standby determination time in step SB2 is waiting to elapse. The standby, the confirmation of each part in the foreign currency exchange ATM1 in step SB4, and the standby in the customer waiting state in step SB9 are continued.

On the other hand, the customer brings the issued application documents and submits them to the window staff at the exchange window 8 (see FIG. 1). The window staff receives the application documents and displays the received application documents at the window terminal 3 image. Set on the scanner of the information reading unit 36 and select “Foreign Currency Exchange” from the job selection screen displayed on the display unit 33 of the window terminal 3.
The control unit 31 of the window terminal 3 that has recognized the selection of the window clerk reads the image of the application document set by the image information reading unit 36, decodes it, reads the application information, and displays the read application information on the display unit 33. To display.

The window clerk confirms that the application information displayed on the display unit 33 has been correctly decoded without misreading, and displays information indicating that the expense required for the exchange has been paid in advance in the displayed application information. Is confirmed, or a word such as “paid” is printed on the received application document, and the “confirm” key of the input unit 34 is pressed.
Recognizing that the “Confirm” key has been pressed, the control unit 31 prints and discharges an application form according to the exchange application form by the printing unit 35, and the transaction date and the total amount of foreign currency in the current foreign currency exchange process. A statement slip printed with transaction information such as payment amount. At this time, if change is required, the currency corresponding to the change is paid out from each storage.

The counter clerk asks the customer to sign the discharged application form, and when the customer signs the application form, the foreign bill of foreign currency type printed on the application form is divided into the number of breakdowns together with the discharged statement slips. Hand it over. If the change is discharged at this time, the changed change is returned to the customer.
Thus, the foreign currency exchange process by the foreign currency exchange ATM 1 of the present embodiment is executed.
As described above, in this embodiment, in addition to the effects of the first embodiment, when the exchange to foreign currency is guided to the currency exchange window 8, the payment amount to be paid at the currency exchange window 8 is paid in advance at the foreign currency exchange ATM1. Therefore, if the foreign currency bill described in the application document is handed over to the customer at the currency exchange window 8, the currency exchange can be performed, and the response time at the currency exchange window 8 can be shortened.

In the first embodiment and the present embodiment, since the payment amount paid in advance is included in the barcode and printed, the difference in denomination and amount before and after the exchange can be easily grasped when closing at the exchange window 8. can do.
In the above-described processing at the time of degeneration in the first embodiment, it has been described that, when it is determined that the number of stored foreign currencies is too small, all exchange to foreign currency is performed by the currency exchange window 8, but it is possible to deposit and withdraw Japanese yen. In this case, as in the present embodiment, it is possible to accept a deposit amount or a deposit amount that is a cost required for exchange. If it does in this way, the further improvement of the operation efficiency of foreign currency exchange ATM1 can be aimed at.

Below, the currency exchange apparatus and foreign currency exchange system of a present Example are demonstrated using FIG. 13 thru | or FIG. Note that parts similar to those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.
As shown in FIG. 13, the store of the present embodiment is a normal automatic teller machine in addition to the foreign currency exchange ATM 1, the management server 2, and the window terminal 3 as an automatic transaction device similar to the first embodiment. An ATM 40 as an application document issuing device, an input terminal 51 provided in the application document creation counter 50, a printer 52, and the like are installed.

Moreover, the foreign currency exchange system of a present Example is the network in a shop which shows the management server 2, several foreign currency exchange ATM1, window terminal 3, several ATM40, and several input terminal 51 with a broken line in FIG. 4, and the management server 2 is configured to be connected to the exchange rate distribution server 6 as the host device via the communication line 7 in the same manner as in the first embodiment.
The configuration of the foreign currency exchange ATM 1 of the present embodiment and the functions of the control unit 11, the storage unit 12, the receipt issuing unit 15 and the like are the same as those of the first embodiment, and thus description thereof is omitted.

The management server 2 is connected to the foreign currency exchange ATM 1, the window terminal 3, and the input terminal 51 through the in-store network 4, and is connected to the exchange rate distribution server 6 through the communication line 7, and has the configuration shown in FIG. I have.
Since the configuration of the management server 2 of this embodiment and the functions of its server control unit 2a and storage unit 2b are the same as those of the first embodiment, the description thereof is omitted.
In the storage unit 2b of the management server 2, in addition to the exchange rate storage unit 2c similar to that of the first embodiment, an operating state storage unit 2d and an application information storage unit 2e are formed in advance.

Further, the application information of this embodiment is configured in the same manner as the application information of the first embodiment.
The configuration of the window terminal 3 of this embodiment and the functions of the control unit 31, the storage unit 32, and the like are the same as those of the first embodiment, and thus description thereof is omitted.
Since the function of the exchange rate distribution server 6 of this embodiment is the same as that of the first embodiment, description thereof is omitted.
The ATM 40 of this embodiment has a function that is operated by a customer and automatically performs transaction processing with cash including foreign currency exchange transactions with the customer, and has the configuration shown in FIG.

The control unit 41 of the ATM 40 is connected to a host computer (not shown) through the communication line 7 and is connected to the management server 2 through the in-store network 4 to control each unit in the ATM 40 and perform normal transaction processing. And the like.
The storage unit 42 stores a program executed by the control unit 41, various data used for the program, a processing result by the control unit 41, and the like.
The operation display unit 43 is provided on the front surface of the ATM 40 and includes a display screen such as an LCD and an input means such as a touch panel. The operation display unit 43 has a function of displaying a transaction selection screen and various input screens on the display screen. It has a function of accepting an input from a customer by an input means.

The customer detection sensor 43a is an optical proximity sensor provided on the front side of the operation display unit 43 or on the front panel in the vicinity of the operation display unit 43, and detects the approaching and leaving of the customer to the foreign currency exchange ATM1. A customer detection signal or a customer leaving signal is output to the control unit 41.
The card handling unit 44 as a document printing unit stores 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. A function for reading and writing, printing a transaction content on a statement slip and issuing it from a card insertion slot, and a home currency in a currency exchange window 8 (see FIG. 13), foreign currency exchange ATM1, etc. ) Prints application documents as documents for exchange into foreign currency and issues them from the card slot.

In the application document of this embodiment, character information such as a reference number for obtaining application information from the management server 2 is printed on a receipt sheet.
The passbook handling unit 46 has a function of reading and writing the passbook information recorded in the magnetic stripe, IC chip, etc. of the customer's passbook inserted from the passbook insertion port, and the function of writing the transaction contents in the customer's passbook, etc. have.
The banknote deposit / withdrawal unit 47 accepts banknotes inserted by customers at the time of deposit transactions, etc., discriminates and counts them and stores them in the storage, and pays out banknotes from the storage at the time of withdrawal transactions, and counts them. To deliver to customers.

The coin deposit / withdrawal unit 48 accepts coins input by customers at the time of deposit transactions, etc., discriminates and counts them and stores them in the storage, and pays out coins from the storage at the time of withdrawal transactions, and counts them. To deliver to customers.
The input terminal 51 of this embodiment is a terminal device such as a tablet computer or a personal computer having a touch panel input function installed in the application document creation counter 50, and is connected to the management server 2 via the in-store network 4. In addition to being connected, it is directly connected to the printer 52 by a cable or the like.

The input terminal 51 to which the printer 52 is connected functions as an application document issuing device of this embodiment.
The printer 52 as a document printing unit is a printing device having a function equivalent to the receipt issuing unit 15 of the foreign currency exchange ATM 1, and based on a printing instruction from the input terminal 51, the foreign currency in the currency exchange window 8, the foreign currency exchange ATM 1, etc. It has a function for issuing application documents in which receipt information is printed on letter paper such as reference numbers used for exchange transactions.

The storage unit 12 of the foreign currency exchange ATM 1 of the present embodiment accepts the input of the foreign currency exchange transaction selected by the customer, and based on this, cooperated with the management server 2 described using FIG. 5, FIG. 16, FIG. A foreign currency exchange processing program including an application program having a function of performing foreign currency exchange processing is stored in advance, and each functional unit of the foreign currency exchange ATM 1 of the present embodiment is formed by steps of the foreign currency exchange processing program executed by the control unit 11. Is done.
In addition, the storage unit 12 stores the machine number of the foreign currency exchange ATM 1 and the standby determination time (in the present embodiment, about 3 minutes) similar to that of the first embodiment, and stores the same. A similar operating state storage area is secured in advance.

The management unit 2 b of the management server 2 is connected to the exchange rate distribution server 6, the foreign currency exchange ATM 1 in the store, the window terminal 3, the ATM 40, and the input terminal 51, and the management of this embodiment described with reference to FIG. A management processing program including an application program having a function of performing processing is stored in advance, and each functional unit of the management server 2 according to the present embodiment is formed by steps of the management processing program executed by the management server 2.
In addition to the exchange rate storage unit 2c similar to the first embodiment, the storage unit 2b includes an operation state storage unit 2d for storing while updating the operation state corresponding to the machine number of the foreign currency exchange ATM1. An application information storage unit 2e for storing application information transmitted from the ATM 40 or the input terminal 51 is formed in advance in correspondence with the reference number.

The storage unit 32 of the window terminal 3 stores in advance an application program having a function of performing the terminal job process of the present embodiment, which will be described with reference to FIG. 22, and the steps of the terminal job process program executed by the control unit 31 Thus, each functional means of the window terminal 3 of this embodiment is formed.
The exchange rate distribution server 6 is preinstalled with an exchange rate distribution processing program similar to that of the first embodiment, and the exchange rate distribution processing program executed by the exchange rate distribution server 6 performs the exchange rate of this embodiment. Each functional means of the distribution server 6 is formed.

The storage unit 42 of the ATM 40 receives an input of a transaction selected by the customer, and communicates with a host computer (not shown) based on this to have a normal transaction processing program having an automatic transaction function or the like for automatically performing transaction processing with the customer , A business process program including an application program having a function of performing an application document creation process in cooperation with the management server 2 of the present embodiment described with reference to FIG. 19 is stored in advance, and a business process executed by the control unit 41 Each function unit of the ATM 40 of this embodiment is formed by the steps of the program.
As described above, in the ATM 40 of this embodiment, only an application document creation function is added to a normal cash dispenser.

The input terminal 51 is preinstalled with an input terminal processing program including an application program having a function of performing an application document issuing process in cooperation with the management server 2 of the present embodiment described with reference to FIG. Each function means of the input terminal 51 of the present embodiment is formed by the steps of the input terminal processing program executed by 51.
In addition, the number tag which displayed the machine number of the said foreign currency exchange ATM1 is attached to the site | part which can be visually recognized from the outside, such as the front panel of each foreign currency exchange ATM1 of a present Example.

Hereinafter, the management processing by the management server 2 of the present embodiment will be described according to the steps indicated by SC, using the flowchart shown in FIG.
When a staff member of a financial institution stores powers on the management server 2 at the start of work, the management processing program stored in the storage unit 2b of the management server 2 is automatically activated.
SC1: When the management processing program is activated, the server control unit 2a of the management server 2 waits for reception of an operation state notification transmitted from each foreign currency exchange ATM 1 via the in-store network 4, and sends an operation state notification. When received, the process proceeds to step SC2. When the operating state notification has not been received, the process proceeds to step SC3.

SC2: The server control unit 2a that has received the operation state notification stores the operation state of the received operation state notification in the operation state storage unit 2d of the storage unit 2b in association with the machine number of the foreign currency exchange ATM1 of the transmission source. The operating state of the foreign currency exchange ATM 1 is updated, and the process proceeds to Step SC3.
The operating state notification of this embodiment is composed of the machine number of the foreign currency exchange ATM 1 that has transmitted the operating state notification, the operating state at that time (“active”, “standby” or “degenerate”), and the like.

SC3: The server control unit 2a waits for reception of the latest exchange rate for each foreign currency type that is delivered periodically or as needed from the exchange rate delivery server 6 via the communication line 7, and waits for each foreign currency type. When the exchange rate is received, the process proceeds to step SC4. If the exchange rate for each foreign currency type has not been received, the process proceeds to step SC5.
SC4: The server control unit 2a that has received the exchange rate for each foreign currency type stores the received exchange rate in the storage area for each foreign currency type in the exchange rate storage unit 2c of the storage unit 2b, and updates the exchange rate. Control goes to step SC5.

SC5: The server control unit 2a waits for reception of an exchange rate acquisition request transmitted from each device in the store (foreign currency exchange ATM1, ATM60, input terminal 51) via the in-store network 4, and the exchange rate When the acquisition request is received, the process proceeds to step SC6. If the exchange rate acquisition request has not been received, the process proceeds to step SC7.
SC6: The server control unit 2a that has received the exchange rate acquisition request, from the storage area for each foreign currency type in the exchange rate storage unit 2c of the storage unit 2b, based on the foreign currency type of the received exchange rate acquisition request. The latest exchange rate corresponding to the foreign currency type is read, the read exchange rate is transmitted to the transmission source device, and the process proceeds to step SC7.

SC7: The server control unit 2a waits for reception of application information transmitted from each device in the store (foreign currency exchange ATM1, ATM60, input terminal 51) via the in-store network 4, and receives the application information. If so, the process proceeds to step SC8. If the application information has not been received, the process proceeds to step SC13.
SC8: The server control unit 2a that has received the application information assigns a reference number consisting of a serial number, assigns the reference number to the received application information, and proceeds to step SC9.
SC9: The server control unit 2a that has assigned the reference number to the received application information stores the received application information in the application information storage unit 2e of the storage unit 2b in correspondence with the assigned reference number, and proceeds to step SC10. To do.

SC10: The server control unit 2a that stores the application information searches the operation state storage unit 2d of the storage unit 2b, and there is a foreign currency exchange ATM1 in which the operation state is “standby”. However, if it is other than the foreign currency exchange ATM1 except during the processing at the time of degeneration, the process proceeds to step SC11. If there is no foreign currency exchange ATM 1 that is “standby”, that is, if the operating status of all foreign currency exchange ATMs 1 is “in operation” and / or “degenerate”, the process proceeds to step SC12.
SC11: Server control unit 2a that recognizes that there is a foreign currency exchange ATM1 whose operation status is "standby" and that the transmission source is other than the foreign currency exchange ATM1 (excluding the "degenerate" foreign currency exchange ATM1). Reads all (including one) the machine number of the foreign currency exchange ATM 1 which is “standby”, and proceeds to step SC12.

SC12: The server control unit 2a that has shifted from step SC10 or SC11 generates a reference number notification.
That is, the server control unit 2a notifies the assigned reference number when moving from SC10, and the reference number notification including the assigned reference number and the machine numbers of all foreign currency exchange ATM1 read at step SC11 when moving from SC11. Is generated.
And the server control part 2a transmits the produced | generated reference number notification to the transmission origin apparatus, and transfers to step SC13.

SC13: The server control unit 2a waits for reception of an application information acquisition request transmitted from each device in the store (foreign currency exchange ATM 1, window terminal 3) via the in-store network 4, and receives an application information acquisition request. Is received, the process proceeds to step SC14. If an application information acquisition request has not been received, the process proceeds to step SC15.
SC14: Upon receiving the application information acquisition request, the server control unit 2a applies an application corresponding to the application information acquisition request reference number from the application information storage unit 2e of the storage unit 2b based on the received application information acquisition request reference number. The information is read, the read application information is transmitted to the transmission source device, and the process proceeds to step SC15.

SC15: The server control unit 2a waits for the arrival of the operation end time by its clock function, and ends the management process for today when the operation end time arrives.
If the operation end time has not been reached, the process returns to step SC1 to wait in the waiting state for receiving the operating state notification in step SC1, to wait in the waiting state for receiving the exchange rate in step SC3, and for the exchange rate acquisition request in step SC5. Waiting in the waiting state for receiving, waiting in the waiting state for receiving the application information in step SC7, waiting in the waiting state for receiving the application information acquisition request in step SC13, and waiting in the waiting state for the arrival of the operation end time in step SC15 To do.
In this way, the management process by the management server 2 of this embodiment is executed.

Below, the foreign currency exchange process by foreign currency exchange ATM1 of a present Example is demonstrated according to the step shown by SD using the flowchart shown in FIG. 5, FIG.
In the following description, the step name indicated by S shown in FIG. 5 is referred to as SD.
Since the processing operations of steps SD1 to SD14 of the present embodiment are the same as the processing operations of steps S1 to S14 (FIG. 5) of the first embodiment, description thereof is omitted.

In this case, in step SD3, the control unit 11 that has determined that the standby determination time has elapsed rewrites the operating state of the operating state storage area to “waiting” and also reads the foreign currency exchange ATM1 read from the storage unit 12. An operation state notification including a machine number and a standby state of “standby” is generated, and the generated operation state notification is transmitted to the management server 2 (step SC1 in FIG. 15) via the in-store network 4 to step SD4. Transition. The same applies to steps SD7 and SD11.
In step SD10, when the operating state of the operating state storage area of the storage unit 12 is “degrading”, the connector D is used to execute the degeneration process at the time of degeneration of the foreign currency exchange ATM1. Then, the process proceeds to step SE1 in FIG.

SD15 (quoting by replacing step S15 in FIG. 5): The control unit 11 that recognizes the transaction selected by the customer as a foreign currency exchange transaction displays the foreign currency type selection screen shown in FIG. 18 on the display screen of the operation display unit 13. .
On the foreign currency type selection screen, a message for prompting the selection of the foreign currency type, a selection button for each foreign currency type, and exchangeable / non-permissible information including words indicating whether currency exchange is possible or not for each foreign currency type are displayed. .

In this embodiment, “dollar”, “application document”, and “euro” are displayed as selection buttons. For the dollar, a statement that currency exchange using ATM 1 is possible, an ATM 40, an input terminal 51, The exchange permission / inhibition information including the operation method in the case of using the application document issued from the foreign currency exchange ATM 1 being processed at the time of degeneration is displayed. For the euro, the exchange by the foreign currency exchange ATM 1 is impossible, and the subsequent step SD32 The exchange permission / prohibition information is displayed, which is composed of a statement that the exchange at the exchange window 8 is possible using the application document issued in step (b).
The customer presses a “dollar” button when converting Japanese yen into dollars, a “application document” button when converting into Japanese dollars using application documents, and a “euro” button when converting into euros.

When the controller 11 recognizes that the foreign currency type selection button is pressed by the input means of the operation display unit 13, the controller 11 proceeds to step SD16 in FIG.
SD16 (FIG. 16): The control unit 11 that has recognized the selection button pressed by the customer stores the selected foreign currency type in the foreign currency exchange ATM1 because the pressed selection button is an “application document” button. If it is recognized that the application document will be converted into dollars, the process proceeds to step SD34. If a selection button other than the “application document” button is pressed, the process proceeds to step SD17.

SD17: Recognizing that the selection button other than the “application document” button is pressed, the control unit 11 recognizes that the selected foreign currency type is changed to the currency exchange ATM1 because the pressed selection button is the “dollar” button. If it is recognized that the dollar is stored, the process proceeds to step SD18 in order to exchange Japanese yen into dollars.
If the selected button is the “Euro” button, and the selected foreign currency type is recognized as the euro that is not stored in the foreign currency exchange ATM1, the application document used for the foreign currency exchange transaction at the currency exchange window 8 is created. Therefore, the process proceeds to step SD26.
The subsequent processing operations in steps SD18 to SD26 are the same as the processing operations in steps S17 to S25 (FIG. 6) of the first embodiment, and a description thereof will be omitted.

  SD27: The control unit 11 that recognizes the end of the input of the number of euro denominations by pressing the “confirm” button obtains the exchange rate for the selected foreign currency type (in this step, euro) as in step SD19. In order to do so, the exchange rate acquisition request including the selected foreign currency type is transmitted to the management server 2 (step SC5), and the server control unit 2a of the management server 2 sets the exchange rate storage unit 2c of the storage unit 2b for each foreign currency type. The latest exchange rate corresponding to the foreign currency type of the exchange rate acquisition request is read from the storage area, and the read exchange rate is transmitted to the source foreign currency exchange ATM1, and the control unit 11 of the foreign currency exchange ATM1 selects the selected foreign currency Get the latest exchange rate for the type.

Then, the control unit 11 temporarily stores the current date and time when the exchange rate is recognized, recognized by the clock function, as the exchange rate acquisition date and time in the storage unit 12, and proceeds to step SD28.
SD28: The control unit 11 of the foreign currency exchange ATM 1 that has acquired the latest exchange rate calculates the total amount of foreign currency to be exchanged based on the breakdown number of the input foreign currency denominations, and multiplies this by the acquired exchange rate. The amount of payment in Japanese yen is calculated as the cost required for exchange at the currency exchange window 8.

  SD29: The control unit 11 having finished calculating the payment amount, the exchange rate acquisition date and time temporarily stored in step SD27, the exchange rate acquired at that time, the total amount of foreign currency calculated in step SD28, and the corresponding Japanese yen payment The application information including the amount, the foreign currency type input in step SD26 and the breakdown number of the money type is generated, and the generated application information is transmitted to the management server 2 (step SC7), and the server control unit of the management server 2 2a stores the received application information in the application information storage unit 2e of the storage unit 2b in association with the assigned reference number, and sends a reference number notification including the assigned reference number to the foreign currency exchange ATM1 of the transmission source. To do.

SD30: After transmitting the application information, the control unit 11 of the foreign currency exchange ATM 1 waiting for reception of the reference number notification transmitted from the management server 2 (step SC12) receives the reference number notification from the management server 2. To obtain the reference number of the application information.
SD31: The control unit 11 that has acquired the reference number issues the temporarily stored exchange rate acquisition date and time, the acquired exchange rate, the calculated Japanese yen payment amount, the entered foreign currency type and the breakdown number of the money type, and issued in step SD32 If you submit the application document with the reference number printed to the currency exchange window 8 and submit it together with the Japanese Yen corresponding to the displayed payment amount, you can receive the selected foreign currency type foreign banknotes divided into the number of breakdowns The exchange window guidance screen displaying the words and the like is displayed and the process proceeds to step SD32.

SD32: The control unit 11 displaying the exchange window guidance screen executes a printing process for application documents used for foreign currency exchange transactions at the exchange window 8.
That is, the control unit 11 receives the print data of the character information including the issue date, the reference number acquired in step SD30, the entered foreign currency type and the number of breakdowns of the money type, the amount of payment in Japanese yen, etc. The application document for foreign currency exchange, in which character information such as a reference number is printed, is created, discharged from the receipt issuing port 15a, and waits for the customer to receive the application document.

  SD33: The control unit 11 waiting for receipt of the application document by the customer confirms receipt of the application document by the customer and confirms the customer leaving signal from the customer detection sensor 13a. , The process returns to step SD1, while the initial screen is displayed on the display screen of the operation display unit 13, while waiting in the waiting determination time elapse state in step SD2, confirmation of each part in the foreign currency exchange ATM1 in step SD4, The standby in the customer waiting state at step SD9 is continued.

SD34: On the other hand, in step SD16, the selected foreign currency type is the dollar stored in the foreign currency exchange ATM1, and the control unit 11 of the foreign currency exchange ATM1 that has recognized that the exchange to the dollar by the application document is performed, An inquiry number input screen is displayed on the display screen of the operation display unit 13.
On the reference number input screen, input the word and the reference number to prompt the input of the reference number printed on the application document for foreign currency exchange issued from the ATM 40, the input terminal 51 or the foreign currency exchange ATM1 being processed at the time of degeneration A column, a numeric keypad for inputting a reference number, a “correct” button for correcting an input error, a “confirm” button for instructing the end of input, and the like are displayed.
The customer inputs the reference number using the numeric keypad in the reference number input field, and presses the “Confirm” button when the input is completed.

  SD35: The control unit 11 which has recognized the end of the input of the reference number by pressing the “Confirm” button sends an application information acquisition request including the input reference number in order to acquire the application information of the input reference number. 2 (step SC13), the server control unit 2a of the management server 2 reads out the application information corresponding to the reference number of the application information acquisition request from the application information storage unit 2e of the storage unit 2b. It transmits to the foreign currency exchange ATM1 of a transmission origin, and the control part 11 of foreign currency exchange ATM1 acquires the application information of the input reference number.

SD36: The control unit 11 that acquired the application information displays the application information confirmation screen on the operation display unit 13 that displays the acquired application information and a “confirm” button for instructing that the confirmation of the display content is completed. Display on the screen.
At this time, if the customer has been issued an application form at the ATM 40, a message (“paid” or the like) indicating that the cost required for the exchange has been paid in advance is displayed.
The customer confirms the display contents of the displayed application information, and presses the “Confirm” button when the confirmation is completed.

SD37: The control unit 11 that has recognized the end of confirmation of the application information displayed by pressing the “confirm” button does not include information indicating that the acquired application information has been paid in advance. If it is determined that the payment required for the cost is necessary, the process proceeds to step SD38.
If the acquired application information includes information indicating that the cost required for the exchange has been paid in advance, it is determined that the cost required for the exchange has been paid, and the process proceeds to step SD24. After confirming receipt of foreign currency by SD25, this foreign currency exchange processing is terminated, returning to step SD1, and displaying the initial screen on the display screen of the operation display unit 13, while waiting for the elapse of the standby determination time by step SD2. The standby, the confirmation of each part in the foreign currency exchange ATM1 in step SD4, and the standby in the customer waiting state in step SD9 are continued.

SD38: Since the information indicating that the cost required for the exchange has been paid in advance is not included, the control unit 11 that has determined that the payment for the cost required for the exchange is necessary is displayed on the display screen of the operation display unit 13. The payment amount in Japanese yen corresponding to the total amount of foreign currency (in dollars in this step) is displayed as the deposit amount, and a statement that prompts the insertion of the Japanese currency corresponding to the deposit amount is displayed, and the banknote deposit / withdrawal slot 17a and the coin deposit / withdrawal port are opened and the customer waits for the insertion of the currency, and when the currency is inserted, the process proceeds to step SD21, and the foreign currency exchange processing after the deposit processing of the deposit amount by SD21 to SD24, After confirming receipt of foreign currency in step SD25, the current foreign currency exchange processing is terminated, and the process returns to step SD1 to display the initial screen on the display screen of the operation display unit 13 while step SD. Waiting on the elapsed wait state of waiting the determination time according to, check of each part of the currency exchange ATM1 by step SD4, and continues to wait for a customer wait state of step SD9.
Thus, the foreign currency exchange process by the foreign currency exchange ATM 1 of the present embodiment is executed.

On the other hand, the customer brings the issued application document to the currency exchange window 8 and submits it to the counter staff (see FIG. 13) together with the Japanese yen corresponding to the payment amount printed on the application document. The processing operation of the window terminal 3 in this case will be described later (see FIG. 22).
In the following, using the flowchart shown in FIG. 17, the degeneration process of the foreign currency exchange process by the foreign currency exchange ATM 1 of this embodiment will be described according to the steps indicated by SE.

SE1: Since the printing operation by the receipt issuing unit 15 is possible, in order to execute the process at the time of degeneration of the apparatus, from step SD10 (quoted by replacing step S10 in FIG. 5) via the connector D The control unit 11 of the transferred foreign currency exchange ATM 1 waits for the foreign currency type selection button to be pressed while displaying the foreign currency type selection reduction screen (the same screen as FIG. 8 of the first embodiment) on the display screen of the operation display unit 13. When the customer presses the selection button, the process proceeds to step SE2. When the selection button is not pressed, the standby is continued.
In the foreign currency type selection reduction screen of the present embodiment, “dollar” and “euro” are displayed as selection buttons, and the customer presses the “dollar” button to exchange Japanese yen into dollars at the exchange window 8, Press the "Euro" button to change to euro.

  SE2: When the control unit 11 recognizes that the customer has pressed the selection button, when the “dollar” button is pressed, an exchange foreign currency breakdown input screen (in the first embodiment) When the “Euro” button is pressed, a foreign currency breakdown entry screen (screen similar to FIG. 11 of the first embodiment) for inputting the euro denomination breakdown number is displayed. The information is displayed on the display screen of the operation display unit 13.

On the exchange foreign currency breakdown input screen, the text prompting you to enter the number of breakdowns for the selected foreign currency type, the selection button for the money type of the selected foreign currency type, the input field for the number of breakdowns to be converted to the money type, the number of breakdowns A numeric keypad for input, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.
In this embodiment, the customer inputs the desired number of breakdowns with the numeric keypad while pressing the selection button for the money type, and presses the “Confirm” button when the entry of the number of breakdowns for the money type is completed.

Subsequent processing operations in steps SE3 and SE4 are the same as the processing operations in steps SD27 and SD28 (FIG. 16), and a description thereof will be omitted.
In this case, when the customer presses the “dollar” button, the exchange rate for the dollar is acquired in step SE3.

  SE5: After completing the calculation of the payment amount, the control unit 41 pays the exchange rate acquisition date and time temporarily stored in step SE3, the exchange rate acquired at that time, the total amount of foreign currency calculated in step SE4, and the corresponding Japanese yen payment. The application information including the amount, the foreign currency type input in step SE2 and the breakdown number of the money type is generated, the generated application information is transmitted to the management server 2 (step SC7), and the server control unit of the management server 2 2a stores the received application information in the application information storage unit 2e of the storage unit 2b in correspondence with the assigned reference number, and includes the assigned reference number and the machine number of the “waiting” foreign currency exchange ATM1. The number notification is transmitted to the foreign currency exchange ATM 1 of the transmission source.

  SE6: After transmitting the application information, the control unit 11 of the foreign currency exchange ATM 1 waiting for the reception of the reference number notification transmitted from the management server 2 (step SC12) receives the reference number notification from the management server 2. Then, the reference number of the application information and the machine number of the “on standby” foreign currency exchange ATM 1 are acquired.

  SE7: The control unit 11 that has acquired the reference number and the machine number of the “standby” foreign currency exchange ATM 1 is the case where “dollar” is selected as the foreign currency type to be exchanged, and the received reference number notification “ If the machine number of the "Foreign currency exchange ATM1" is included, that is, if there is a foreign currency exchange ATM1 that can be automatically exchanged, the display of the standby foreign currency exchange ATM guidance screen is determined. Control goes to step SE9. If "Euro" is selected as the foreign currency type to be exchanged, or if the machine number of the foreign currency exchange ATM1 "on standby" is not included in the reference number notification, the display of the exchange counter guidance screen is determined. Control goes to step SE8.

  SE8: The control unit 11 that has determined the display of the exchange window guidance screen displays the exchange rate acquisition date and time temporarily stored, the acquired exchange rate, the calculated Japanese yen payment amount, the entered foreign currency type and the number of breakdowns of the money type, If you submit the application document printed with the reference number issued in step SE10 to the exchange window 8 and submit it together with the Japanese yen corresponding to the displayed payment amount, you will receive the foreign banknotes of the selected foreign currency type divided into the number of breakdowns The exchange window guidance screen displaying the wording that can be displayed is displayed, and the process proceeds to step SE10.

  SE9: The control unit 11 that has determined the display of the standby foreign currency exchange ATM guidance screen obtains the temporarily stored exchange rate acquisition date and time, the acquired exchange rate, the entered foreign currency type and the breakdown number of the money type, and the calculated Japanese yen payment. Enter the reference number printed on the application document issued in step SE10 for all the machine numbers of the acquired “standby” foreign currency exchange ATM1, the foreign currency exchange ATM1 of the displayed machine number, and display the payment amount displayed Or if you submit the application form printed with the reference number issued in step SE10 to the currency exchange window 8 and submit it together with the Japanese yen corresponding to the displayed payment amount. Display a standby foreign currency exchange ATM guidance screen displaying a statement that a foreign currency type (in this step, dollars) foreign banknotes can be received divided into the number of breakdowns, and step SE10 Migrate.

SE10: The control unit 11 displaying the exchange window guidance screen or the standby foreign currency exchange ATM guidance screen executes processing for printing application documents used for foreign currency exchange transactions at the currency exchange window 8 or the “standby” foreign currency exchange ATM1.
That is, if the control unit 11 moves from step SE8, the control unit 11 includes the issue date, the reference number acquired in step SE6, the entered foreign currency type and the breakdown number of the money type, the payment amount of Japanese yen, etc. In case of shifting from SE9, in addition to the above, the print data of the character information consisting of all the machine numbers etc. of the “on standby” foreign currency exchange ATM 1 obtained in step SE6 is sent to the receipt issuing unit 15 and the reference number etc. The application document for foreign currency exchange printed with the character information is prepared, discharged from the receipt issuing port 15a, and waits for the customer to receive the application document.

In this description, since the customer has selected “Euro” in step SE1, the exchange window guidance screen is displayed in step SE8.
SE11: The control unit 11 that has been waiting for the receipt of the application document by the customer confirms the receipt of the application document by the customer, and confirms the customer leaving signal from the customer detection sensor 13a. The process returns to step SD1, and the standby in the customer waiting state in step SD9 is continued while the foreign currency type selection reduction screen in step SD8 is displayed on the display screen of the operation display unit 13.

On the other hand, the customer brings the issued application document to the foreign currency exchange ATM 1 or the currency exchange window 8 of the printed machine number and exchanges it into a foreign currency.
Below, the application document preparation process by ATM40 of a present Example is demonstrated according to the step shown by SF using the flowchart shown in FIG.
The ATM 40 of the present embodiment creates and issues application documents for exchanging dollars or euros at the currency exchange window 8 or the foreign currency exchange ATM 1, and accepts the receipt of Japanese yen equivalent to the payment amount as the cost required for the exchange. Perform document creation processing.

When a staff member of a financial institution store turns on the power to the ATM 40 at the start of business or the like, a business processing program stored in the storage unit 42 of the ATM 40 is automatically activated.
SF1: When the business processing program is activated, the control unit 41 of the ATM 40 displays an initial screen displaying a word of appreciation for visiting the store such as “I welcome you” on the display screen of the operation display unit 43, and goes to step SF2. Transition.

SF2: The control unit 41 waits for the customer waiting state for the customer detection sensor 43a to detect the customer while monitoring the output from the customer detection sensor 43a, and a customer detection signal is output from the customer detection sensor 43a. If so, the process proceeds to step SF3.
When the customer detection signal is not output, that is, when the customer leaving signal is output, the process returns to step SF1, and the initial screen is displayed on the display screen of the operation display unit 43 while the customer is waiting in step SF2. Continue waiting.

SF3: The control unit 41 that has detected the customer displays a transaction selection screen on the display screen of the operation display unit 43, and waits for the customer to press the transaction selection button.
On the transaction selection screen, a message prompting you to press the transaction selection button, a “draw” button for withdrawal transactions, a “deposit” button for deposit transactions, and “transfer” for transfer transactions Button, "Balance inquiry" button for balance inquiry transaction to inquire account balance, "Passbook entry" button for passbook entry transaction to write transaction data not filled in passbook, foreign currency exchange to convert Japanese yen to foreign currency A transaction selection button for selecting a transaction such as a “foreign currency application document creation” button for creating a foreign currency application document for creating an application document for performing a transaction is displayed.

In this embodiment, the customer selects a foreign currency application document creation transaction, and presses a “foreign currency application document creation” button from the display screen of the operation display unit 43 using the touch panel.
SF4: When the transaction selected by the customer is recognized by the input means of the operation display unit 43, the control unit 41 proceeds to step SF6 if the recognized transaction is a foreign currency application document creation transaction. If the recognized transaction is a normal transaction other than the foreign currency application document creation transaction, the process proceeds to step SF5.

SF5: Recognizing the transaction selected by the customer as a normal transaction, the control unit 41 executes transaction processing for a normal transaction such as a deposit transaction or a withdrawal transaction.
In addition, since the processing operation in the case of a normal transaction is the same as the processing operation of a normal automatic teller machine, description thereof will be omitted. At the end of the normal transaction processing operation, the card handling unit 44 issues a statement slip on which the transaction details of the transaction are printed.
The control unit 41 that has finished executing the transaction process of the normal transaction ends the transaction process, returns to step SF1, and displays the initial screen on the display screen of the operation display unit 43 while waiting in the customer waiting state in step SF2. Continue.

SF6: Recognizing the transaction selected by the customer as a foreign currency application document creation transaction, the control unit 41 displays the foreign currency type selection screen shown in FIG. 20 on the display screen of the operation display unit 43 and waits for the customer to press the selection button. And wait.
On the foreign currency type selection screen, it is possible to exchange at the currency exchange window 8 or the foreign currency exchange ATM1 using the wording prompting the selection of the foreign currency type, the selection button for each foreign currency type, and the application document issued in the subsequent step SF18. Is displayed.

In the foreign currency type selection screen of this embodiment, “Dollar” and “Euro” are displayed as selection buttons, and the customer clicks the “Dollar” button when exchanging Japanese yen into dollars at the currency exchange window 8 or the foreign currency exchange ATM1. Press the “Euro” button to change to euro at the currency exchange window 8.
SF7: When the control unit 41 recognizes that the customer has pressed the selection button, when the “dollar” button is pressed, the exchange foreign currency breakdown entry screen (in the first embodiment) When the “Euro” button is pressed, a foreign currency breakdown entry screen (screen similar to FIG. 11 of the first embodiment) for inputting the euro denomination breakdown number is displayed. It is displayed on the display screen of the operation display unit 43.

On the exchange foreign currency breakdown input screen, the text prompting you to enter the number of breakdowns for the selected foreign currency type, the selection button for the money type of the selected foreign currency type, the input field for the number of breakdowns to be converted to the money type, the number of breakdowns A numeric keypad for input, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.
In this embodiment, the customer inputs the desired number of breakdowns with the numeric keypad while pressing the selection button for the money type, and presses the “Confirm” button when the entry of the number of breakdowns for the money type is completed.

SF8: When the “confirm” button is pressed, the control unit 41, which has recognized the end of input of the number of dollars or euros by type, obtains the exchange rate for the selected foreign currency type (dollar or euro in this step) The exchange rate acquisition request including the selected foreign currency type is transmitted to the management server 2 (step SC5) via the in-store network 4, and the server control unit 2a of the management server 2 stores the exchange rate for each foreign currency type in the exchange rate storage unit 2c. The latest exchange rate corresponding to the foreign currency type of the exchange rate acquisition request is read from the area, the read exchange rate is transmitted to the ATM 40 of the transmission source, and the control unit 41 of the ATM 40 updates the latest exchange rate for the selected foreign currency type. To get.
Then, the control unit 41 temporarily stores the current date and time when the exchange rate is recognized, recognized by the clock function, as the exchange rate acquisition date and time in the storage unit 42, and proceeds to step SF9.

SF9: The control unit 41 of the foreign currency exchange ATM 1 that has acquired the latest exchange rate calculates the total amount of foreign currency to be exchanged based on the breakdown number of the input foreign currency denominations, and multiplies this by the acquired exchange rate, The amount of payment in Japanese yen is calculated as the cost required for exchange at the currency exchange window 8.
When the calculation of the payment amount is completed, the control unit 41 displays, on the display screen of the operation display unit 43, a message that prompts the user to insert Japanese currency corresponding to the payment amount, the calculated payment amount of Japanese yen, and the like. The shutters of the banknote deposit / withdrawal port of the deposit / withdrawal unit 47 and the coin deposit / withdrawal port of the coin deposit / withdrawal unit 48 are opened, wait for the customer to input the currency, and when the currency is inserted, the process proceeds to step SF10.

  SF10: The control part 41 which recognized that the banknote and / or the coin were thrown into the banknote deposit / withdrawal slot and / or the coin deposit / withdrawal slot closes each shutter, and the banknote deposit / withdrawal part 47 and / or coin deposit / withdrawal The money section 48 executes a payment currency fetching process for discriminating and counting the inserted currency and temporarily holding it, and calculates the input amount of the currency input by the customer based on the counted number of money types.

  SF11: The control unit 41 that has finished calculating the input amount instructs the display screen of the operation display unit 43 to confirm the input amount, confirms the calculated input amount, and confirms the displayed input amount. ”Button or the like is displayed, waiting for the customer to press the“ confirm ”button, and when the“ confirm ”button is pressed, the process proceeds to step SF12.

SF12: Recognizing the confirmation of the input amount by pressing the “Confirm” button, the control unit 41 executes a payment currency storing process for storing the temporarily held currency in each storage.
At this time, if change is required, the currency corresponding to change is fed out from each storage, and after discrimination and counting, it is accumulated at the banknote deposit / withdrawal slot and / or coin deposit / withdrawal slot, and the accumulated deposit / withdrawal slot shutter Open and return the change to the customer.

  SF13: The control unit 41 that has finished the payment currency storage process or returns the change to the customer, the exchange rate acquisition date and time temporarily stored in step SF8, the exchange rate acquired at that time, the total amount of foreign currency calculated in step SF9, Generate application information consisting of the payment amount of the corresponding Japanese yen, the foreign currency type entered in step SF7 and the breakdown number of the money type, information indicating that the cost required for the exchange has been paid in advance, and the generated application information The server control unit 2a of the management server 2 stores the received application information in the application information storage unit 2e of the storage unit 2b in correspondence with the assigned reference number, and transmits it to the management server 2 (step SC7). A reference number notification including the assigned reference number and the machine number of the “on standby” foreign currency exchange ATM 1 is transmitted to the ATM 40 of the transmission source.

  SF14: After transmitting the application information, the control unit 41 of the ATM 40 waiting for reception of the reference number notification transmitted from the management server 2 (step SC12) receives the reference number notification from the management server 2. Then, the reference number of the application information and the machine number of the “on standby” foreign currency exchange ATM 1 are acquired.

  SF15: The control unit 41 that has acquired the reference number and the machine number of the “standby” foreign currency exchange ATM 1 is the case where “dollar” is selected as the foreign currency type to be exchanged. If the machine number of the "Foreign currency exchange ATM1" is included, that is, if there is a foreign currency exchange ATM1 that can be automatically exchanged, the display of the standby foreign currency exchange ATM guidance screen is determined. Control goes to step SF17. If "Euro" is selected as the foreign currency type to be exchanged, or if the machine number of the foreign currency exchange ATM1 "on standby" is not included in the reference number notification, the display of the exchange counter guidance screen is determined. Control goes to step SF16.

  SF16: The control unit 41 that has determined the display of the exchange window guidance screen displays the temporarily stored exchange rate acquisition date and time, the acquired exchange rate, the calculated Japanese yen payment amount, the entered foreign currency type and the number of breakdowns of the money type, Exchange window guidance screen displaying the wording that the foreign currency of the selected foreign currency type can be received in the number of breakdowns by submitting the application document printed with the reference number issued in step SF18 to the exchange window 8 Is displayed and the process proceeds to step SF18.

  SF17: The control unit 41 that has determined the display of the standby foreign currency exchange ATM guidance screen acquires the temporarily stored exchange rate acquisition date and time, the acquired exchange rate, the entered foreign currency type and the breakdown number of the money type, and the calculated Japanese yen payment Enter the reference number printed on the application document issued in step SF18 with the amount, all the machine numbers of the acquired “standby” foreign currency exchange ATM1, the foreign currency exchange ATM1 of the displayed machine number, or step SF18 Stand-by foreign currency exchange ATM guidance screen displaying the statement that the foreign currency of the selected foreign currency type can be received divided into the number of breakdowns by submitting the application document printed with the reference number to be issued to the currency exchange window 8 Is displayed and the process proceeds to step SF18.

SF18: The control unit 41 displaying the exchange window guidance screen or the standby foreign currency exchange ATM guidance screen executes processing for printing application documents used for the foreign currency exchange transaction at the currency exchange window 8 or the "standby" foreign currency exchange ATM1.
That is, if the control unit 41 proceeds from step SF16, the issue date, the reference number acquired in step SF14, the entered foreign currency type and the breakdown number of the money type, the amount paid in Japanese yen, the cost required for exchange In the case where the process proceeds from step SF17, which is composed of words such as “paid” indicating that the payment has been made in advance, in addition to the above, from all the machine numbers etc. of the “standby” foreign currency exchange ATM 1 acquired in step SF14 The character information print data is sent to the card handling unit 44, and an application document for foreign currency exchange in which character information such as an inquiry number is printed is created and discharged from the card insertion slot.

In parallel with this, the control unit 31 uses the card handling unit 44 to print transaction information such as the date and time of issuance and the total amount of foreign currency and the payment amount in the current application form creation process on a statement slip and eject it from the card insertion slot. .
Then, the control unit 41 waits for receipt of the application form and the detailed slip by the customer.

SF19: The control unit 41 waiting for the customer to receive the application documents and statement slips discharged from the card handling unit 44 confirms the receipt of the application documents and statement slips by the customer, and the customer from the customer detection sensor 13a. When the exit signal is confirmed, the present application document creation process is terminated, the process returns to step SF1, and the standby in the customer waiting state in step SF2 is continued while the initial screen is displayed on the display screen of the operation display unit 43. To do.
On the other hand, the customer brings the issued application document to the foreign currency exchange ATM 1 or the currency exchange window 8 of the printed machine number and exchanges it into a foreign currency.

The application document issuing process by the input terminal 51 of the present embodiment will be described below according to the steps indicated by SG using the flowchart shown in FIG.
The input terminal 51 of this embodiment accepts a selection input of application documents for foreign currency exchange of dollars or euros by a customer, and based on this, sends a print instruction to the printer 52 to exchange the currency counter 8 or foreign currency. An application document issuance process is performed for creating and issuing an application document for exchange into foreign currency at the currency exchange ATM1.

When a staff member of a financial institution store turns on the power to the input terminal 51 at the start of work or the like, the input terminal processing program installed in the input terminal 51 is automatically started.
SG1: When the input terminal processing program is started, the input terminal 51 starts a wording that expresses gratitude for visiting the store, such as “Come on. The standby screen displaying the method and the like is displayed, and the process proceeds to step SG2.

SG2: The input terminal 51 waits for the customer to wait for the customer's touch by the touch panel input function while monitoring the customer's touch by the touch panel input function, and the customer's touch signal is output from the touch panel input function. When it is done, the customer's intention to create the application document is confirmed and the process proceeds to step SG3.
If the touch signal is not output, that is, if the customer's intention to create the application document cannot be confirmed, the process returns to step SG1, and the standby in the customer waiting state in step SG2 is continued while the standby screen is displayed on the display screen. To do.

SG3: The input terminal 51 confirming the customer's intention to create the application document displays a foreign currency type selection screen (see FIG. 20) on its display screen and waits for the customer to press the selection button.
On the foreign currency type selection screen, it is possible to exchange at the currency exchange window 8 or the foreign currency exchange ATM 1 using the wording prompting the selection of the foreign currency type, the selection button for each foreign currency type, and the application document issued in the subsequent step SG12. Is displayed.
In the foreign currency type selection screen of this embodiment, “Dollar” and “Euro” are displayed as selection buttons, and the customer clicks the “Dollar” button when exchanging Japanese yen into dollars at the currency exchange window 8 or the foreign currency exchange ATM1. Press the “Euro” button to change to euro at the currency exchange window 8.

  SG4: When the input terminal 51 recognizes that the customer has pressed the selection button, when the “dollar” button is pressed, an exchange foreign currency breakdown input screen (in the first embodiment) When the “Euro” button is pressed, a foreign currency breakdown entry screen (screen similar to FIG. 11 of the first embodiment) for inputting the euro denomination breakdown number is displayed. Display on the display screen.

On the exchange foreign currency breakdown input screen, the text prompting you to enter the number of breakdowns for the selected foreign currency type, the selection button for the money type of the selected foreign currency type, the input field for the number of breakdowns to be converted to the money type, the number of breakdowns A numeric keypad for input, a “correction” button for correcting an input error, a “confirmation” button for instructing the end of input, and the like are displayed.
In this embodiment, the customer inputs the desired number of breakdowns with the numeric keypad while pressing the selection button for the money type, and presses the “Confirm” button when the entry of the number of breakdowns for the money type is completed.

  SG5: The input terminal 51, which recognizes the end of the input of the number of dollars or euros by depressing the “confirm” button, acquires the exchange rate for the selected foreign currency type (dollar or euro in this step) The exchange rate acquisition request including the selected foreign currency type is transmitted to the management server 2 (step SC5) via the in-store network 4, and the server control unit 2a of the management server 2 stores the exchange rate for each foreign currency type in the exchange rate storage unit 2c. The latest exchange rate corresponding to the foreign currency type of the exchange rate acquisition request is read from the area, the read exchange rate is transmitted to the input terminal 51 of the transmission source, and the input terminal 51 is the latest exchange rate for the selected foreign currency type. To get.

Then, the input terminal 51 temporarily stores the current date and time when the exchange rate is recognized, recognized by the clock function, as an exchange rate acquisition date and time in a storage unit (not shown), and proceeds to step SG6.
SG6: The input terminal 51 of the foreign currency exchange ATM 1 that has acquired the latest exchange rate calculates the total amount of foreign currency to be exchanged based on the breakdown number of the entered foreign currency denominations, and multiplies this by the acquired exchange rate. The amount of payment in Japanese yen is calculated as the cost required for exchange at the currency exchange window 8.

  SG7: The input terminal 51 that has finished calculating the payment amount, the exchange rate acquisition date and time temporarily stored in step SG5, the exchange rate acquired at that time, the total amount of foreign currency calculated in step SG6, and the corresponding Japanese yen payment The application information including the amount, the foreign currency type input in step SG4 and the breakdown number of the money type is generated, and the generated application information is transmitted to the management server 2 (step SC7), and the server control unit of the management server 2 2a stores the received application information in the application information storage unit 2e of the storage unit 2b in correspondence with the assigned reference number, and includes the assigned reference number and the machine number of the “waiting” foreign currency exchange ATM1. The number notification is transmitted to the input terminal 51 of the transmission source.

  SG8: After transmitting the application information, the input terminal 51 waiting for the reception of the reference number notification transmitted from the management server 2 (step SC12) receives the reference number notification from the management server 2, and Get the reference number of the application information and the machine number of the "standby" foreign currency exchange ATM1.

  SG9: The input terminal 51 that has acquired the reference number and the machine number of the “standby” foreign currency exchange ATM 1 is the case where “dollar” is selected as the foreign currency type to be exchanged, and the received reference number notification “ If the machine number of the "Foreign currency exchange ATM1" is included, that is, if there is a foreign currency exchange ATM1 that can be automatically exchanged, the display of the standby foreign currency exchange ATM guidance screen is determined. Control goes to step SG11. If "Euro" is selected as the foreign currency type to be exchanged, or if the machine number of the foreign currency exchange ATM1 "on standby" is not included in the reference number notification, the display of the exchange counter guidance screen is determined. Control goes to step SG10.

  SG10: The input terminal 51 that has determined the display of the exchange window guidance screen displays the temporarily stored exchange rate acquisition date and time, the acquired exchange rate, the calculated Japanese yen payment amount, the entered foreign currency type and the number of breakdowns of the money type, If you submit the application document with the reference number issued in step SG12 to the currency exchange window 8 and submit it together with the Japanese yen corresponding to the displayed payment amount, you will receive the selected foreign currency type foreign banknotes divided into the number of breakdowns The exchange window guidance screen displaying the wording that can be displayed is displayed and the process proceeds to step SG12.

  SG11: The input terminal 51 that has determined the display of the standby foreign currency exchange ATM guidance screen, the temporarily stored exchange rate acquisition date and time, the acquired exchange rate, the entered foreign currency type and the number of breakdowns of the money type, the calculated Japanese yen payment Payment amount displayed by entering the reference number printed on the application document issued in step SG12 with the amount, all the machine numbers of the acquired "on standby" foreign currency exchange ATM1, the foreign currency exchange ATM1 of the displayed machine number Or if you submit the application form with the reference number printed in step SG12 to the exchange window 8 and submit it together with the Japanese yen corresponding to the displayed payment amount. A standby foreign currency exchange ATM guidance screen displaying a message indicating that foreign currency type foreign banknotes can be received divided into the number of breakdowns is displayed, and the process proceeds to step SG12.

SG12: The input terminal 51 displaying the exchange window guidance screen or the standby foreign currency exchange ATM guidance screen executes processing for printing application documents used for the foreign currency exchange transaction at the currency exchange window 8 or the "standby" foreign currency exchange ATM1.
That is, if the input terminal 51 has shifted from step SG10, the input terminal 51 includes the issue date, the reference number acquired in step SG8, the entered foreign currency type and the breakdown number of the money type, the payment amount of Japanese yen, etc., In the case of shifting from SG11, in addition to the above, print data of character information including all the machine numbers and the like of the “waiting” foreign currency exchange ATM 1 acquired in step SG8 is generated, and a print instruction including the print data is generated. Based on the received print instruction, the printer 52 prints an application document for foreign currency exchange on which character information such as a reference number is printed, and discharges the printed application document.

In addition, the input terminal 51 that has transmitted the print instruction displays an application document receipt request screen on which a message for prompting receipt of the application document ejected from the printer 52 and a “confirm” button for instructing the end of the reception are displayed. And waits for the customer to press the “Confirm” button.
In this embodiment, the customer receives the application document discharged from the printer 52 and presses the “confirm” button.

SG13: The input terminal 51 waiting for the customer to press the “confirm” button ends the present application document issuance process when detecting the press of the “confirm” button by the touch panel input function, and step SG1. Returning to step S3, the standby in the customer waiting state for waiting for the customer's touch in step SG2 is continued while displaying the standby screen on the display screen.
On the other hand, the customer brings the issued application document to the foreign currency exchange ATM 1 or the currency exchange window 8 of the printed machine number and exchanges it into a foreign currency.

Below, the terminal work process by the window terminal 3 of the present embodiment will be described using the flowchart shown in FIG. 22 according to the steps indicated by SH.
In the currency exchange window 8 of this embodiment, the customer submitted the foreign currency exchange ATM1, the foreign currency exchange ATM1, ATM40 being processed at the time of degeneration, or an application document in which character information is printed on the reference number issued by the input terminal 51, etc. The window clerk who submitted to the window clerk (see FIG. 13) and received the application documents performs a foreign currency exchange transaction at the currency exchange window 8 using the window terminal 3.
When the window clerk of the currency exchange window 8 turns on the power to the window terminal 3 at the start of work, the terminal business processing program stored in the storage unit 32 of the window terminal 3 is automatically started.

  SH1: When the terminal transaction processing program is activated, the control unit 31 of the window terminal 3 displays on the display screen of the display unit 33 a job selection button such as a “Foreign Currency Exchange” button for a foreign currency exchange transaction at the currency exchange window 8. The job selection screen is displayed, waits for the window staff to press the job selection button, and when the window staff presses the job selection button, the process proceeds to step SH2. If the job selection button is not pressed, the standby is continued.

In this embodiment, the window clerk who is the operator sets the received application document on the scanner of the image information reading unit 36 of the window terminal 3 and presses the “Foreign Currency Exchange” button.
SH2: The control unit 31 that has recognized the transaction selected by the counter staff by pressing the “Foreign Currency Exchange” button as a foreign currency exchange transaction, reads the image of the character information printed on the application document set by the image information reading unit 36, A reference number is read from the image, converted into character data, and the process proceeds to step SH3.

  SH3: The control unit 31 that has read the reference number printed on the application document issues an application information acquisition request including character data of the read reference number to the management server 2 (Step S31) in order to acquire the application information of the read reference number. The server control unit 2a of the management server 2 reads the application information corresponding to the reference number of the application information acquisition request from the application information storage unit 2e of the storage unit 2b, and the read application information is transmitted to the transmission source The information is transmitted to the window terminal 3, and the control unit 31 of the window terminal 3 acquires the application information of the read reference number.

SH4: The control unit 31 that has acquired the application information displays an application information confirmation screen on which the acquired application information and the like are displayed on the display screen of the display unit 33.
At this time, if the customer has been issued an application form at the ATM 40, a message (“paid” or the like) indicating that the cost required for the exchange has been paid in advance is displayed.
The contact person confirms the displayed contents of the displayed application information, and that the information indicating that the cost required for the exchange has been paid in advance is displayed in the displayed application information, After confirming that a phrase such as “” is printed, the “confirm” key of the input unit 34 is pressed.

SH5: Recognizing the end of confirmation of the application information displayed by pressing the “Confirm” key, the control unit 31 changes the exchange information if the acquired application information does not include information indicating that the cost required for the exchange has been paid in advance. It is determined that the payment required for the cost is required and the process proceeds to step SH6.
If the acquired application information includes information indicating that the cost required for exchange has been paid in advance, it is determined that the cost required for exchange has been paid, and the process proceeds to step SH10.

SH6: The control unit 11 that has determined that the payment of the cost required for the exchange is necessary because the information indicating that the cost required for the exchange has been paid in advance is not included, changes the application information on the display screen of the display unit 33. The amount of payment in Japanese yen corresponding to the total amount of foreign currency is displayed, and a statement or the like that prompts the user to input Japanese currency corresponding to the amount of payment is displayed.
The window clerk makes the customer confirm the displayed payment amount, receives the Japanese yen corresponding to the payment amount, confirms that the received Japanese yen is equal to or greater than the displayed Japanese yen payment amount, and inputs the input unit 34. Press the “Confirm” key.

  SH7: Recognizing that the “confirm” key has been pressed, the control unit 31 opens the shutters of the banknote deposit / withdrawal port of the banknote deposit / withdrawal unit 37 and the coin deposit / withdrawal port of the coin deposit / withdrawal unit 38 to allow the counter staff to input currency. When waiting and waiting, when a banknote and / or a coin are thrown into a banknote deposit / withdrawal slot and / or a coin deposit / withdrawal slot, each shutter is closed and the banknote deposit / withdrawal part 37 and / or the coin deposit / withdrawal part 38 are closed. Thus, a payment currency fetching process for discriminating and counting the input currency and temporarily holding it is executed, and the input amount of the currency input by the customer is calculated based on the counted number of money types.

SH8: After calculating the input amount, the control unit 31 displays a wording on the display screen of the display unit 33 to prompt confirmation of the input amount, and waits for the reception staff to press the “confirm” key. When the “confirm” key is pressed, the process proceeds to step SH9.
The window clerk confirms the displayed input amount with the customer and presses the “confirm” key of the input unit 34.
SH9: The control unit 31 that has confirmed the confirmation of the input amount by pressing the “confirm” key executes a payment currency storing process for storing the temporarily held currency in each storage.
At this time, if change is required, the currency corresponding to change is fed out from each storage, and after discrimination and counting, it is accumulated at the banknote deposit / withdrawal slot and / or coin deposit / withdrawal slot, and the accumulated deposit / withdrawal slot shutter Open the door and hand over the change to the counter.

  SH10: The control unit 31 that has completed the payment currency storage process or the delivery of the change to the counter, or has determined that the cost required for the exchange in step SH5 has been paid, is obtained by the printing unit 35 in step SH3. Based on this, the application form according to the exchange application form is printed and discharged, and the transaction slip is printed out, including transaction date and time and the transaction information such as the total amount of foreign currency and payment amount in this foreign currency exchange transaction. .

Then, the control unit 31 waits for receipt of the application form or statement slip by the window attendant, and when the receipt of the application form or statement slip by the window attendant is confirmed, terminates the current terminal operation processing, and step SH1 Returning to FIG. 2, while the job selection screen is displayed on the display screen of the display unit 33, the system waits for the contact person to press the job selection button.
On the other hand, the counter clerk asks the customer to sign the discharged application form, and when the customer signs the application form, a breakdown of the foreign currency type printed on the application form is broken down along with the discharged statement slip. Hand it over to the customer. If the change is discharged at this time, the changed change is returned to the customer.
In this way, the terminal operation processing by the window terminal 3 of the present embodiment is executed.

  As described above, in the regular currency exchange process (see FIGS. 5 and 16) of the foreign currency exchange ATM 1 of this embodiment, in addition to the same effects as the regular currency exchange process of the first embodiment, the ATM 40 and the input If the customer who has issued the application documents at the terminal 41 enters the reference number printed on the application documents at the foreign currency exchange ATM1, the customer can exchange the foreign currency (in this example, dollars) stored in the foreign currency exchange ATM1. This can be performed, and the exchange work by the person in charge at the currency exchange window 8 can be omitted, and the efficiency of operations in foreign currency exchange can be improved.

  In addition, in the degeneration process (see FIG. 17) of the foreign currency exchange ATM 1 of the present embodiment, in addition to the same effects as the degeneration process of the first embodiment, the customer who has received the application document is on standby. If you enter the reference number printed on the application form at the foreign currency exchange ATM1, you can exchange the foreign currency stored in the foreign currency exchange ATM1 (dollars in this example). Exchange work by the person in charge can be omitted, and the efficiency of operations in foreign currency exchange can be improved.

In the present embodiment, the management server 2 has been described as notifying the machine number to the waiting foreign currency exchange ATM 1 at the time of transmission of the application information. However, the operating status of each foreign currency exchange ATM 1 is managed by the window terminal 3. Thus, the customer who brought the application documents to the currency exchange window 8 may be informed of the waiting foreign currency exchange ATM 1.
In this embodiment, the printer 52 is described as being connected to the input terminal 14, but the printer 52 may be built in the input terminal 51.

  In each of the above embodiments, the payment amount of the customer who has issued the application document is calculated at the exchange rate at the exchange rate acquisition date, and is the latest at the time when the customer exchanges money at the exchange window. If you pay the Japanese yen payment at the exchange rate of, if the latest exchange rate increases or decreases during the waiting time until the customer who received the application documents submits the application documents to the exchange window 8, Customers who knew that the amount of Japanese yen paid at the currency exchange window 8 increased or decreased, and that foreign currency exchange ATM1 in each of the above examples could not be exchanged (in the above examples, euro) existed directly. This is because it differs from the amount paid in Japanese yen when going to the counter 8 and changing money at the same time.

  In each of the above embodiments, the payment amount of the customer who received the application document is calculated by the exchange rate at the exchange rate acquisition date and time, and the payment amount is printed on the application document. When the application form is submitted to the exchange window 8 without printing the payment amount, the window clerk obtains the latest exchange rate at that time from the management server 2 by the window terminal 3, and pays the payment amount to the customer. You may make it notify. Thus, as for the exchange rate, it is possible to appropriately set at which point the exchange rate acquired is used.

Furthermore, in each of the above embodiments, it was explained that the application document is printed on receipt paper. However, the application information is printed according to the format of the application form used for foreign currency exchange, and the customer signs the application form. And submit it.
In this way, it is possible to further shorten the reception time at the currency exchange window 8 by omitting the printing of the application form at the currency exchange window 8 and the signature time by the customer.
In this case, in order to prevent forgery of the application form, the paper quality of the application form may be a special paper quality that is difficult to forge.

  Further, in each of the above-described embodiments, a case has been described in which a customer who has issued an application document at the foreign currency exchange ATM 1 or the input terminal 51 immediately waits for an order at the currency exchange window 8. May be printed. In this way, it is possible to shorten the waiting time for waiting for customers at the currency exchange window 8, and customers who bring application documents to the currency exchange window 8 at a later time (for example, the next day) depending on the congestion status of the currency exchange window 8. Can be prevented in advance.

In this case, instead of the reception number, the effective time until the application document is submitted to the money exchange window 8 may be printed together with the explanatory text.
In this way, even if the exchange rate increases or decreases during the effective period, it is possible to exchange into foreign currency with the payment amount printed on the application document, and obtain and pay the latest exchange rate at the exchange window 8. By omitting the time required for notification of the amount, it is possible to improve the efficiency of the counter work in the foreign currency exchange, and it is possible to simplify the procedure in the foreign currency exchange.

Further, in each of the above embodiments, the scanner of the image information reading unit 36 provided in the window terminal 3 of the currency exchange window 8 has been described as reading the barcode and the character information printed on the application document. An image information reading unit may be provided in the ATM 40 to read bar code and character information, and based on this, application information may be decoded and application information acquired.
Further, in each of the above-described embodiments, it has been described that the deposit amount and the payment amount required for the exchange to the foreign currency are performed by inserting Japanese currency into the foreign currency exchange ATM1 or ATM40, but the foreign currency exchange ATM1 or ATM40 You may make it pay the expense required for exchange by the transaction card inserted in the card handling part, or the passbook inserted in the passbook handling part.

Further, in each of the above-described embodiments, the application form is signed at the exchange window 8. However, a stamp field may be provided on the application form for stamping. In this way, the reliability of identity verification can be improved.
Further, in each of the embodiments described above, the receipt issuing unit 15 and the card handling unit 14 are provided separately. However, the receipt issuing unit 15 may be built in the card handling unit 14. In this case, the card insertion slot may function as the receipt issuing slot 15a.

Further, in each of the above embodiments, the case where the currency of Japan is exchanged to a foreign currency has been described as an example. However, when the foreign currency exchange ATM 1 of the present invention is installed in a foreign country, the currency of the country concerned is changed to Japanese yen or the like. It is better to exchange money for foreign currency.
Furthermore, in each said Example, although demonstrated that the automatic transaction apparatus was a foreign currency exchange ATM, an automatic transaction apparatus is not restricted to the above, The foreign currency exchange machine only for a foreign currency exchange may be sufficient. In this case, the card handling part and the passbook handling part are omitted.

1 Foreign currency exchange ATM
2 management server 2a server control unit 2b, 12, 32, 42 storage unit 2c exchange rate storage unit 2d operation state storage unit 2e application information storage unit 3 window terminal 4 in-store network 6 exchange rate distribution server 7 communication line 8 exchange window 11, 31, 41 Control unit 13, 43 Operation display unit 13a, 43a Customer detection sensor 14, 44 Card handling unit 15 Receipt issuing unit 15a Receipt issuing port 16, 46 Passbook handling unit 17, 37, 47 Banknote deposit / withdrawal unit 17a Banknote deposit / withdrawal Mouth 18, 38, 48 Coin deposit / withdrawal part 19 Foreign currency withdrawal part 21 Foreign currency storage 22 Foreign currency transport path 23 Foreign currency identification part 33 Display part 34 Input part 35 Printing part 36 Image information reading part

Claims (10)

A display screen, an operation display unit having input means,
A currency input / output port for inputting and discharging currency;
Includes a document printing unit to issue a detailed statement that print the transaction information, and the automatic teller machine to exchange currencies inserted from the currency injection and ejection port in foreign currency,
On the display screen, the foreign currency type to be exchanged is displayed in a selectable manner together with the exchange possibility information,
When the foreign currency type that cannot be exchanged is selected by the input means, the document printing unit prints and issues a document for exchange into a foreign currency of the foreign currency type that cannot be exchanged. . The automatic transaction apparatus according to claim 1,
When the foreign currency type which cannot be changed is selected, the automatic transaction apparatus is made to input the currency of the amount required for the exchange from the currency input / output port. In the automatic transaction apparatus according to claim 1 or claim 2,
When the foreign currency type that can be exchanged is selected by the input means, and the foreign currency cannot be exchanged, the document printing unit prints a document for exchange into the foreign currency of the exchangeable foreign currency type. An automatic transaction apparatus characterized by issuing. In the automatic transaction device according to any one of claims 1 to 3,
The document, an automatic teller machine, characterized in that the application form which the item was printed for use in exchange of foreign currency. In the automatic transaction apparatus according to claim 4,
An automatic transaction apparatus, wherein the application information is printed with a barcode on the application document. In the automatic transaction apparatus according to claim 4,
An automatic transaction apparatus, wherein an inquiry number for obtaining the application information is printed on the application document. In the automatic transaction device according to any one of claims 1 to 3,
The automatic transaction apparatus according to claim 1, wherein the document is an application form used for foreign currency exchange. In the foreign currency exchange system that connects the management server and the automatic transaction device,
The management server
Means for storing the exchange rate when the currency is converted into a foreign currency;
Means for transmitting the exchange rate to the automatic transaction apparatus,
The automatic transaction apparatus is
A display screen, an operation display unit having input means,
A currency input / output port for inputting and discharging currency;
And documents printing unit to issue a detailed statement that you print the transaction information,
Means for receiving the exchange rate transmitted from the management server;
Means for calculating an amount required for the exchange based on the received exchange rate;
Means for exchanging the currency into a foreign currency when the currency of the amount required for the exchange is inserted from the currency input / output port;
A means for displaying on the display screen so as to be able to select a foreign currency type to be exchanged together with the exchange possibility information;
And a means for printing and issuing a document for exchange into a foreign currency of the non-exchangeable currency type by the document printing unit when a foreign currency type that cannot be exchanged is selected by the input means. Foreign currency exchange system. The foreign currency exchange system according to claim 8,
The automatic transaction apparatus is
When the foreign currency type that cannot be exchanged is selected, a currency of the amount required for the exchange is inserted from the currency input / output port, and a document for exchanging the foreign currency of the foreign currency type that cannot be exchanged is printed and issued And a foreign currency exchange system. In the foreign currency exchange system according to claim 8 or 9,
Connect the application document issuing device to the management server,
The management server
Means for transmitting the exchange rate to the application document issuing device;
Means for receiving application information transmitted from the application document issuing device;
Means for assigning and storing a reference number to the received application information;
Means for transmitting the given reference number to the application document issuing device;
Means for receiving a reference number transmitted from the automatic transaction apparatus;
Means for transmitting the application information corresponding to the received reference number to the automatic transaction apparatus,
The application document issuing device
Means for accepting input of the application information by the customer;
Means for transmitting the application information to the management server;
Means for receiving a reference number assigned to the transmitted application information from the management server;
Means for printing and issuing the received reference number on an application document,
The automatic transaction apparatus is
Means for accepting input of said reference number by a customer;
Means for transmitting the accepted reference number to the management server;
Means for receiving application information corresponding to the transmitted reference number from the management server;
A foreign currency exchange system comprising: means for exchanging the currency into a foreign currency when a currency of an amount required for the exchange included in the application information is input from the currency input / exit port.

Images