JPH0410661B2 - - Google Patents

Description

[Detailed Description of the Invention] [Field of Application of the Invention] The present invention relates to an automatic teller machine used in banks, etc., and particularly when there is a shortage of denominations necessary for a transaction.
Alternatively, the present invention relates to an automated teller machine that enables transactions under limited conditions even when a denomination of a denomination becomes unstorable due to a transaction.

[Background of the invention]

Conditions under which conventional automated teller machines will be discontinued include the following: First, in the case of withdrawal transactions, it was necessary to always hold more than the maximum number of banknotes or coins (hereinafter simply referred to as "banknotes") allowed for the transaction, so the remaining amount of banknotes If the condition is not met, trading will be suspended. Similarly, in the case of deposit transactions, storage space was always required to accept more than the maximum number of banknotes allowed for the transaction, so if the storage space became less than this, the transaction would stop. will be done.

However, in reality, it is extremely rare for a transaction to involve the maximum number of banknotes allowed in a transaction, and usually, the number of banknotes handled is at most a fraction of the maximum number of banknotes allowed in a transaction. Most of the transactions are handled. Considering this situation, the method of suspending trading as described above cannot be said to be suitable for the actual situation of trading, and the gap between the two becomes larger as the maximum number of coins allowed for trading increases. Become,
There is a problem in that the automatic teller machine has an unnecessarily long downtime. This is a problem that leads to a decline in customer service, and also goes against the effective use of operating funds.

[Purpose of the invention]

The present invention has been made in view of the above circumstances, and its purpose is to solve the above-mentioned problems in conventional automatic teller machines, and to reduce the amount of banknotes remaining below the maximum number allowed for transactions. Even if the storage space for banknotes exceeds the maximum number of banknotes allowed for transactions, transactions can be carried out under limited conditions, improving customer service and making the most of operating funds. An object of the present invention is to provide an automatic teller machine which is designed to improve the usage rate of the automatic teller machine.

[Summary of the invention]

The above object of the present invention is to provide an automatic teller machine for depositing and withdrawing banknotes, which includes an input operation section, a display section, and a storage section for storing banknotes by denomination.
Means is provided for storing the holding amount of each denomination of banknotes in the automatic teller machine, and when a withdrawal process is performed when the holding amount becomes a first predetermined amount or less, the input operation section The withdrawal amount inputted from the input amount is compared with the holding amount for each denomination, and if the input amount is larger than the holding amount for each denomination, the display content of the display section will include the amount that can be withdrawn at that time or the amount held for each denomination. If the number of banknotes for each denomination is additionally displayed and the deposit processing is performed when the amount held is equal to or greater than a second predetermined amount that is larger than the first predetermined amount, The difference between the maximum amount of banknotes that can be stored in the storage unit and the amount of banknotes currently stored in the storage unit is compared with the input amount, and the input amount is greater than the difference. In this case, this is achieved by adding and displaying the amount of money that can be deposited at that time or the number of banknotes of each denomination to the display contents of the display section, thereby making it possible to continue the transaction.

[Embodiments of the invention]

Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a control block diagram of an automatic banknote transaction apparatus which is an embodiment of the present invention. In the figure, 1 is a display unit for displaying transaction guidance, 2 is an input operation unit for the user to enter a personal identification number, deposit/withdrawal amount, etc., and 3 is the start of operation of the automatic banknote transaction device of this embodiment. 4 is a bill payment device; 5 is a bill deposit device; 6 is a bill depositing device; indicates a control unit that performs overall control of each of the above units.

FIG. 2 shows a transaction operation flow and an operation guidance screen showing the transaction operation of the above embodiment. below,
The operation of this embodiment will be explained based on FIG.

The user of the device of this embodiment inputs the transaction type and the deposit/withdrawal amount (denomination) using the input operation section 2 in accordance with the operation guidance display displayed on the display section 1. The input data is sequentially displayed on the display section 1 on a monitor.

The control unit 6 monitors the input data,
When the start of transaction processing is recognized, the payment device 4 or the deposit device 5 is activated, and the counting/storage unit 3 is activated, depending on the designated transaction type. Counting/
The storage unit 3 counts the number of banknotes initially set in the device and the number of banknotes paid and deposited after the device starts operating, and stores the current balance of banknotes.

Here, prior to starting transaction processing, the control unit 6 inputs the transaction type and deposit/withdrawal amount (denomination) specified by the user using the input operation unit 2, and the held banknotes stored in the counting/storage unit 3. When the amount of banknotes held is less than the withdrawal amount (denomination) specified by the user (insufficient withdrawal amount), or the deposit amount (denomination) specified by the user is in the banknote storage space of the safe. (excessive deposited amount), the display section 1 displays this fact and allows the user to select whether or not to conduct a transaction within the transaction range.

The user can instruct continuation/termination of the transaction by operating again from the input operation section 2.

Next, the flow of the banknote payment transaction operation will be explained based on FIG.

(1) When entering the transaction amount, the user inputs the transaction amount (denomination) according to the operation guidance display as shown in 7.

(2) When the transaction amount (denomination) is input, the remaining amount in the device is compared with the transaction amount. If the transaction is possible, that is, if there is a large amount remaining in the device, the payment device is activated and payment is made (see step (4)).

(3) If the transaction is not possible, that is, the amount remaining in the device is low, the payable amount is displayed in the form shown in 8 and the user is asked to re-enter the transaction amount (denomination).

(4) If the transaction is possible in step (2), or if the transaction becomes possible due to the user's re-input in step (3), the device communicates with the central computer in the same way as a normal payment transaction. , perform the processing.

In step (3) above, if the remaining amount of banknotes in the device is less than the user's desired payment amount, the user is asked to use another device. However, as mentioned above, the transaction amount of a normal user is relatively small, so by performing the above process, even if the amount of banknotes remaining in the device falls below a predetermined amount, a considerable number of transactions can be carried out. It becomes possible to do so.

In the above embodiment, for the sake of simplicity, the case where only a banknote payment operation is performed is given as an example, but the present invention is not limited to this, and the present invention is applicable to deposits and payments of various types of banknotes, and deposits of coins. Needless to say, the present invention can be applied to devices that allow users to enter and make payments.

〔Effect of the invention〕

As described above, according to the present invention, in an automated teller machine having the function of handling paper money deposits and withdrawals, means for storing the amount held or storage space for each denomination of banknotes in the automated teller machine is provided. established,
If the amount held or the storage space falls below a predetermined amount, the amount that can be traded is displayed when making a transaction, so if the remaining amount of banknotes is less than the predetermined amount, Alternatively, even if the storage space for banknotes is less than a predetermined amount, transactions can be executed under limited conditions, improving customer service, effectively utilizing operating funds, or increasing the usage rate of automated teller machines. It has the tangible effect of achieving this goal.

[Brief explanation of drawings]

FIG. 1 is a control block diagram of an automatic banknote transaction apparatus which is an embodiment of the present invention, and FIG. 2 is a transaction operation flowchart showing the transaction operation of the embodiment. 1: Display unit, 2: Input operation unit, 3: Counting/storage unit, 4: Banknote payment device, 5: Banknote deposit device, 6:
Control unit, 7: Transaction amount (denomination) input screen display, 8: Transaction amount (denomination) re-input screen display.

Claims (1)

[Claims] 1. In an automatic teller machine for depositing and withdrawing banknotes, the automatic teller machine includes an input operation unit, a display unit, and a storage unit for storing banknotes by denomination, and the automatic teller machine stores banknotes by denomination in the automatic teller machine. A means for storing the amount is provided, and when a withdrawal process is performed when the amount held becomes equal to or less than a first predetermined amount, the withdrawal amount input from the input operation section and the amount held for each denomination are provided. If the input amount is larger than the amount held for each denomination, the amount of money that can be withdrawn at that time or the number of banknotes for each denomination is added to the display content of the display section and displayed. However, if the deposit processing is performed when the amount held is equal to or greater than a second predetermined amount that is larger than the first predetermined amount, the maximum amount of banknotes held that can be stored in the storage section is The difference between the amount of banknotes currently stored in the storage unit and the input amount is compared, and if the input amount is larger than the difference, the display on the display unit indicates that the deposit will be made at that time. An automatic cash transaction device characterized in that the automatic teller machine is capable of continuing a transaction by adding and displaying a display of the possible amount or number of banknotes for each denomination.