JPH02245970A - Money exchanger for traveler's check and the like - Google Patents

Abstract

PURPOSE:To shorten the waiting time of a customer and to improve service by automatically cashing a traveler's check, etc. CONSTITUTION:Exchange rate data on a certain date are applied from a host computer through transmission equipment 8 to a control part 1. A check processing part 2 reads the inputted traveler's check by an optical sensor 2a optically, the control part 1 processes a picture signal, and discriminates the authenticity, type, number, etc., of the traveler's check. Based on the type of the traveler's check and the number of the checks, a total amount is calculated, the total amount is converted into Yen to be a local currency based on the exchange rate, an exchange charge is subtracted from the Yen-converted amount, the paid amount is calculated, a command is sent to a money processing part 5, and the moneys for the calculated amount are paid from the money processing part 5. Thus it is unnecessary for the customer to be awaited for a long time, and the service can be improved.

Description

[Detailed Description of the Invention] <Industrial Application Field> The present invention is applicable to the use of traveler's checks, foreign banknotes, or securities such as gift certificates brought home without being used on a trip abroad. This invention relates to a money exchange device that exchanges money into domestic currency.

<Prior art> Traveler checks brought home unused from overseas trips are usually
This can be turned into cash by presenting it to a bank teller.

In this case, the exchange of traveler's checks and cash is done manually by counter staff, and for each customer, the staff confirms whether the bearer is the holder of the traveler's check and then exchanges the traveler's check with cash. A series of processes are performed, such as checking the face value and number of tickets, and converting the cash amount based on the exchange rate at that time.

<Problem to be solved by the invention> As described above, in the past, the exchange of traveler's checks and cash was done manually by clerks, which was inefficient and took a long time to process, resulting in overcrowded counters. There were problems with service, such as customers having to wait for long periods of time.

The present invention has been made in view of the above-mentioned problems, and an object of the present invention is to provide a device that automatically converts tickets such as traveler's checks into cash.

<Means for Solving the Problems> In order to achieve the above object, the present invention, as shown in the functional block diagram of FIG. an exchange rate input means for inputting the exchange rate of the exchange rate; a calculation means for calculating the amount of money to be released based on the identification signal from the identification means and the exchange rate signal from the exchange rate input means; A money exchanging device for traveler's checks and the like is provided with a money discharging means for dispensing a required amount of money based on a calculation result.

Effects> According to the above configuration, a ticket to be cashed, such as a traveler's check, is identified by the identification means, and the identification result is manually entered into the calculation means. The calculating means calculates the amount of money to be released based on the data regarding the type and number of tickets inputted from the identification means and the exchange rate data at the time inputted from the exchange rate inputting means. The calculation result is output to the money discharging means. The money dispensing means dispenses the required money based on the calculation result of the calculation means. As a result, tickets such as traveler's checks are automatically converted into cash.

In addition, if the ticket to be cashed is a traveler's check, the person in charge must conduct handwriting analysis to confirm that the bearer is the holder himself, and then run the traveler's check through the identification means of the device of the present invention. Bye. Further, although the exchange fee may be collected separately, it is also possible to input the data of the exchange fee into the calculation means, have the calculation means calculate it, and cause the money discharging means to discharge the amount of money after deducting the exchange fee.

<Example> Hereinafter, the present invention will be described in detail based on an example shown in the drawings. FIG. 2 is a circuit block diagram of a traveler's check money exchange device according to an embodiment of the present invention, and FIG. 3 is a flowchart showing its operation.

As shown in FIG. 2, the money exchange device of this embodiment includes a control section 1, a ticket processing section 2, a touch panel 3 as an operation section, and a fee setting section 4 for setting an exchange fee.
It is equipped with a money processing unit 5 that discharges and processes various domestic currency, a printer 6, a display 7 such as a CRT, and a transmission device 8.

The control unit 1 includes at least a CPU 1a, a ROM 1b,
It includes a RAM 1c, and is connected online to a higher-level computer (not shown) through a transmission device 8 to exchange data with the higher-level computer.

In this embodiment, data on the exchange rate of the day is given to the controller l from the host computer through the transmission device 8, and therefore the transmission device 8 is
It functions as the exchange rate input means shown in the figure.

The ticket processing unit 2 optically reads the inserted travel check using an optical sensor 2a like a COD sensor.
An image signal obtained by the optical sensor 2a is given to a control section l. The control unit 1 identifies the authenticity, type, number, etc. of the traveler's check by processing this image signal.

The touch panel 3 is arranged to overlap the display screen of the display 7. The display 7 displays operation guidance, identification results, calculation results, etc.

The money handling section 5 stores in advance a large amount of money of each type as domestic currency, and discharges the required amount of money based on a command signal from the control section 1.

The printer 6 prints out the exchange details and issues them as a statement slip.

Next, the operation of the apparatus with the above configuration is controlled by the control unit l shown in FIG.
This will be explained based on a flowchart of the control operation. By operating according to this flowchart, the control section 1 functions as the calculation means shown in FIG. 1, and also functions as the identification means together with the optical sensor 2a.

The money exchange device of this embodiment is usually installed inside a counter of a bank or the like, and is operated by an attendant.

The staff accepts the traveler's check brought in, checks whether the bearer is the holder himself or not through handwriting analysis, and passes the traveler's check to the ticket processing section 2.

First, step Sl is a step of waiting for the traveler's check to be inserted. When the traveler's check is submitted to the ticket processing section 2, the process proceeds to step S2, where the image of the face of the traveler's check that has been inserted is read, and the authenticity and type of the traveler's check are checked. , identify the number of sheets. In step S3, the total amount is calculated from the type and number of traveler's checks. If the traveler's check is denominated in dollars, the total amount is the total amount in dollars.

In step S4, the data of the exchange rate of the day given through the transmission device 8 is taken in, and the
5, the total amount is converted into yen, which is the domestic currency, based on this exchange rate.

In step S6, the exchange fee setting value is read, and in step S7, the exchange fee is subtracted from the yen conversion amount to calculate the amount to be released. Then, in step S8,
A command is sent to the money processing section 5 to cause the money processing section 5 to release money by the calculated amount. This completes the cashing of the traveler's check.

In the above embodiment, the exchange rate is input from the host computer through the transmission device 8, but a separate exchange rate setting section may be provided, and the exchange rate may be manually input from this setting section by manual operation by a staff member. .

Furthermore, for tickets other than traveler's checks that do not require identification of the person in question for exchange, the exchange device may be installed outside the counter and operated directly by the customer.

Furthermore, the applicant has already proposed a device for exchanging cash coins into tickets such as traveler's checks dated June 30, 1986 (Patent Application No. 163891/1983); , the device of the present invention may be incorporated to configure a device capable of mutually exchanging tickets such as traveler's checks and cash.

In addition, a means for reading a card such as a magnetic card and a means for verifying a personal identification number may be provided as the means for verifying the identity of the user, and the work of verifying the identity of the user may be performed automatically using these means.

In this case, if the card, such as a bank card, has a corresponding account set up, that account may be used to transfer the exchange amount of a ticket such as a traveler's check to that account.

<Effects of the Invention> As described above, according to the present invention, tickets such as traveler's checks can be automatically converted into cash, and work that was conventionally performed entirely by staff can be automatically and efficiently done. As the information is processed, congestion at banks and other counters is eliminated, customer waiting time is shortened, and services are improved.

[Brief explanation of drawings]

FIG. 1 is a functional block diagram corresponding to the claims of the present invention, FIG. 2 is a circuit block diagram of an embodiment of the present invention, and FIG. 3 is a flowchart showing the operation. 1... Control unit, 2... Bill processing unit, 5... Money processing unit, 8... Transmission device.

Claims (1)

[Claims] (1) An identification means for identifying a ticket such as a traveler's check, an exchange rate input means for inputting the exchange rate of money for the ticket, an identification signal from the identification means and an exchange rate signal from the exchange rate input means. A money exchanging device for traveler's checks, etc., comprising a calculation means for calculating the amount of money to be discharged based on the calculation result of the calculation means, and a money discharge means for discharging the required amount of money based on the calculation result of the calculation means. .