JPH03156673A - Automatic cash transaction device - Google Patents

Abstract

PURPOSE:To improve the operating efficiency of an automatic cash transaction device by attaining an off-line exchange process of notes or coins in the waiting time for on-line communication with a center at bank transaction for reception/ payment of cash. CONSTITUTION:When a customer selects an exchange process via a customer operation part 3 during the communication with a center, a main control part 1 initializes a note input/output part 4 or a coin input/output part 5 so as to perform the exchange process in parallel with the communication with the center. For instance, the customer wants to exchange the notes for the coins and puts the notes into the part 4. Thus the part 4 confirms the types and the number of sheets of these notes. Then the main control part 1 produces a payment instruction to the part 5 to comply with the desired types and the number of sheets inputted from the customer via the part 3. Thus the part 5 discharges the coins in response to the received instruction. In such a constitution, the customer can apply an off-line exchange process during the on-line communication with the center. Thus the cash transaction processing time is shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a banknote and coin exchange function in an automatic teller machine.

[Conventional technology]

In the conventional technology, as described in Japanese Patent Application Laid-Open No. 62-286191, the customer selects either the online mode or the currency exchange mode, and the process is performed in either mode.

[Problem to be solved by the invention]

The above-mentioned conventional technology does not take into consideration the fact that a customer who wants to use both online processing and currency exchange processing must select and execute the other processing after completing one processing. There was a problem in that the time required for processing was the sum of the times required for each process.

An object of the present invention is to solve the problems of such conventional methods and to shorten the time required for both processes.

[Means to solve the problem]

The above objective is achieved by allowing online processing (currency exchange) to proceed in parallel during center communication in online processing (deposit, payment location).

[Effect・]

In the customer operation section, customers using the automated teller machine select the type of service they wish to use, enter information necessary for personal authentication, and enter information necessary for the service they wish to use. It also displays responses to input information. The main control unit analyzes the information input from the customer operation unit, and depending on the type of service, communicates with the center via the transmitter/receiver unit, or processes deposits and withdrawals to the banknote deposit and withdrawal unit or the coin withdrawal unit. command. The banknote withdrawal section and the coin withdrawal section perform deposit and withdrawal operations upon receiving instructions from the main control section.

When the customer selects money exchange processing from the customer operation section during communication with the center, the main control section initializes the banknote dispensing section or the coin dispensing section to perform the currency exchange processing in parallel with the center communication. When a customer wishes to exchange money, for example, from banknotes to coins, and inserts the banknotes into the banknote dispensing unit, the banknote dispensing unit confirms the denomination and number of the banknotes that have been inserted. Furthermore, the main control section is
A withdrawal command is issued to the coin withdrawal section in accordance with the desired exchange denomination and number of coins input by the customer from the customer operation section.

The coin withdrawal unit performs the withdrawal operation according to the command.

〔Example〕

An embodiment of the present invention will be described below.

FIG. 1 is a block diagram showing the configuration of an automated teller machine according to the present invention. FIG. 2 is a flowchart showing the processing procedure of this device.

In the first tooth, 1 is the main control section of the automatic teller machine and controls the entire machine. Reference numeral 2 denotes a transmitting/receiving unit, which transmits input information necessary for personal authentication of a customer using this device, customer operation information such as deposit/withdrawal amount, etc. to the center, and receives a response to the transmitted content. 3 is a customer operation section, through which a customer using this device can select the type of service to be used, input information necessary for personal authentication, and input necessary information according to the service to be used. It consists of an input section that displays the response to the person's ability information, and an output section that displays the response to the person's ability information. 4 is a banknote withdrawal department, and according to customer operations,
Performs banknote deposit or withdrawal processing. Reference numeral 5 denotes a coin withdrawal section, which performs coin deposit processing or coin withdrawal processing according to customer operations.

Next, the operation of each part shown in FIG. 1 will be explained based on the flowchart shown in FIG.

First, a customer selects a transaction item from the customer operation unit 3 and starts a transaction (step 101). Next, the customer inputs necessary information according to the transaction from the customer operation section 3.

The input information includes a password required for personal authentication, transaction amount, etc. (102). The main control unit 1 analyzes the input information and communicates with the center via the transmitting/receiving unit 2 (103). A waiting time occurs during communication with the center, and the customer can select the currency exchange function (104). When using the currency exchange function, the customer inputs this information through the customer operation section 3, and the main control section starts the currency exchange process off-line in parallel with the center communication process. The customer inserts banknotes or coins to be exchanged into the banknote withdrawal section 4 or the coin withdrawal section 5 (111). Further, the customer inputs the desired denomination after exchange from the customer operation section 3 (112). The main control unit 1 instructs the banknote withdrawal unit 4 or coin withdrawal unit 5 to perform an exchange operation according to the desired denomination, and receives the command from the banknote withdrawal unit 4 or coin withdrawal unit 5. starts the exchange process (113).

When the exchange process is completed (114), the process returns to online processing. When returning, after the communication with the center is completed (105), the remaining transaction processing such as withdrawal, guarding, or return of the passbook is performed (105), and the online transaction is completed.

If the customer does not select the currency exchange function (104), after the communication with the center is completed, processing according to the customer's operation such as withdrawal operation is performed (106), and the transaction processing ends (107).

According to this embodiment, in bank transactions using an automated teller machine, currency exchange processing that can be done offline can be used during online center communication hours, and the time required to use the automated teller machine can be saved. .

〔Effect of the invention〕

According to the present invention, in bank transactions using an automated teller machine, currency exchange processing that can be done offline can be used during online center communication time, and the operational efficiency of the automated teller machine can be improved.

Furthermore, since the customer can use different services while waiting for communication with the center, there is also the effect of eliminating frustration caused by waiting time.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the configuration of an automated teller machine according to the present invention, and FIG. 2 is a flowchart showing an embodiment of the processing procedure of the present invention. 1... Main control unit, 2... Transmission/reception unit, 3...
・Customer operation department, 4...Banknote withdrawal department, 5...
Coin person withdrawal department. outline

Claims (1)

[Claims] 1. An automated teller machine capable of exchanging banknotes or coins offline during waiting time for online center communication during bank transactions such as deposits and withdrawals.