JPH05233661A - Automatic account settlement system - Google Patents

Abstract

PURPOSE:To provide an automatic deposit money account settlement system in which an account settlement transaction is executed by only paper money, and as for a fraction which cannot be settled with accounts by paper money, it is carried forward to the transaction of the next time. CONSTITUTION:A hot computer 10 for storing concentrically unsettled money information of each individual and an account settlement machine 100 are connected by a communication circuit 20. This account settlement machine 100 specifies and confirms a transaction person by an ID card inserted from an ID card receiving part 104 and an ID code inputted from a key operating part 102, ejects out paper money from a paper money ejecting-out part 103 by the portion which can be settled with accounts by paper money, and also, carries forward the fraction to the settlement of accounts of the next time as for the portion which cannot be settled with accounts by paper money. Also, on an on-value card inserted from an on-value card receiving/ejecting-out part 105, a result of settlement of accounts is printed and it is ejected out. In such a way, an automatic deposit money account settlement system which is light in a load of maintenance, and also, inexpensive can be provided.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic settlement system used in a company or the like to automatically settle unpaid expenses such as business trip travel expenses of employees.

[0002]

2. Description of the Related Art Conventionally, as a method for paying unpaid expenses such as business trip travel expenses of employees in a company or the like, for example, every time an employee submits a checkout sheet in which his / her own unpaid amount is entered, There is a way for the person in charge to make the payment in cash.

As another method, for example, when an employee submits a settlement statement in which his / her own unpaid amount is entered, an accounting person transfers the amount equivalent to the unpaid amount to the employee's bank account. Are known.

However, these methods have the following drawbacks.

The method of paying each time is a cause of increasing the cost burden on companies and the like because of the time-consuming work process.

On the other hand, in the method of transferring money to a bank account, companies must bear the transfer fee,
From the necessity of managing each employee's financial institution name and account number and extracting each time to perform the transfer procedure, or because it becomes necessary to open all employee accounts in a common or specific financial institution This was a cause of increased cost burden and labor.

When these methods are used together,
Since it is necessary to perform the clerical work for distinguishing which method is to be adopted, this also causes the clerical work to be done and the cost burden of the enterprises to increase.

[0008] Therefore, as a settlement method for solving these drawbacks, there is a method for automatically performing settlement of unpaid bills by using an automatic settlement system. In other words, the host computer in the company collectively manages the unpaid amount of each employee, and the terminal connected to this host computer (hereinafter referred to as the "payment machine") allows the employee to freely set the unpaid amount. If the payment can be made, it is possible to save the time and labor required for the paperwork related to the payment, and the transfer fee is not necessary.

[0009]

However, in this automatic settlement system, both a mechanism for ejecting banknotes to the settlement machine (banknote ejection mechanism) and a mechanism for ejecting coins (coin ejection mechanism) are provided. Since it has to be equipped, it has a drawback that the settlement machine becomes very expensive.

Further, since coins are large in weight and many types, there is a drawback that maintenance such as replenishment and collection of coins to the coin ejection mechanism is very heavy.

The present invention has been made in view of the above drawbacks of the prior art, and an object thereof is to provide an automatic settlement system which is light in maintenance burden and inexpensive.

[0012]

[Means for Solving the Problems]

(1) An automatic settlement system according to the first invention comprises a central processing unit that centrally stores unsettled money information for each individual, and one or more settlement devices connected to this central processing unit. In the automatic settlement system, the settlement machine inputs personal authentication means for identifying and confirming the trader of the settlement machine, and the unsettled amount of the trader identified by the personal authentication means from the central processing unit. Information input means,
Out of the unsettled amount input from the unsettled information input means, with respect to the amount that can be settled with a banknote, a bill dispensing means that dispenses the corresponding bill, and the unsettled money information input means It is characterized by comprising an on-value card issuing means for issuing an on-value card in which an amount that cannot be settled with a bill is printed out of the unsettled amount. (2) An automatic settlement system according to the second invention comprises a central processing unit that centrally stores unsettled money information for each individual, and one or a plurality of settlement devices connected to this central processing unit. In the automatic settlement system, the settlement machine inputs personal authentication means for identifying and confirming the trader of the settlement machine, and the unsettled amount of the trader identified by the personal authentication means from the central processing unit. Information input means,
Of the unadjusted amount input from the unadjusted information input means, for the amount that can be settled with banknotes, the banknote ejecting means for ejecting the corresponding banknote and the unadjusted amount until the last adjustment are printed. Equipped with an on-value card accepting means for accepting an on-value card and an on-value card issuing means for additionally printing the unpaid amount after settlement this time on the on-value card accepted by this on-value card accepting means It is characterized by

[0013]

[Action]

(1) The first aspect of the present invention is such that when the settlement machine inputs the unsettled amount of a trader specified by the personal authentication means from the central processing unit by the unsettled information input means, the unsettled amount of the unsettled amount is settled with a bill. Only the amount of money that can be paid is settled using the bill dispensing means, and the remaining amount of money is settled at the time of the next and subsequent settlements. Then, the on-value card on which the remaining amount of money is printed is issued to the trader by the on-value card issuing means.

As a result, since the coin dispensing mechanism is not required, the cost of the automatic settlement system can be reduced and the maintenance load can be reduced. (2) In the second invention, similar to the first invention, the amount of money that cannot be settled with banknotes is settled at the time of the next and subsequent settlements. The on-value card with the unpaid amount up to is accepted from the on-value card acceptance means,
This on-value card is to additionally print the unpaid amount after payment this time, and then to be withdrawn from the on-value card issuing means.

As a result, it is possible to reduce the price of the automatic settlement system and reduce the maintenance burden, and it becomes easy for the trader to manage the balance of unsettled accounts by using the on-value card. The convenience can be increased.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the automatic settlement system according to the present invention will be described below with reference to the drawings.

FIG. 1 shows a settlement machine 10 used in this embodiment.
It is a perspective view which shows the external appearance of 0 roughly. In addition, FIG.
It is a block diagram which shows schematically the control system of this automatic settlement system.

The settlement machines 100 are installed at a plurality of locations in the company, and each is connected to the host computer 10 and the communication line 20.

In the settlement machine 100, the display unit 101 is
Under the control of the customer service processing unit 106, guidance display is provided to the user of this system (hereinafter referred to as “transactioner”). The key operation unit 102 is provided to allow a trader to input an ID code or the like. When the trader operates the key of the key operation unit 102, an operation signal corresponding to the operation content is sent to the customer service processing unit 106. The customer service processing unit 106 changes the display content of the display unit 101 according to the operation signal when necessary, and transfers the operation signal to the control unit 110.

The banknote ejection processing unit 107 counts the banknotes according to the control signal input from the control unit 110, and ejects the banknote of a corresponding amount from the banknote ejection unit 103. The ID card accepting unit 104 accepts a trader's ID card, and stores the information stored in the ID card into the card reader unit 10.
Read at 8. The trader is specified and confirmed by this information and the ID code or the like input by the key operation unit 102 described above.

The on-value card receiving / exiting port 105 is
Accept and dispense on-value cards. The on-value card accepted from the on-value card accepting / exiting port 105 is sent to the card processing unit 109.
The card processing unit 109 prints on the on-value card according to the control signal input from the control unit 110 and information (fractional amount of money described later) stored in the memory of the on-value card (for example, a magnetic stripe can be used). )
And rewrite. After printing, the on-value card is ejected from the on-value card receiving and ejecting port 105.

The control unit 110 communicates with the external host computer 10 via the I / F unit 111 as a communication interface and the communication line 20. This allows
The control unit 110 can read information from the host computer 10. In addition, each of these components,
Power is supplied from the power supply unit 112. The host computer 10 calculates the settlement amount. Then, the information such as the settlement amount is sent to the control unit 110 via the I / F unit 111 as new unsettled amount information.

FIG. 3A shows an example of an on-value card used in the automatic settlement system of this embodiment. As a general rule, one on-value card is issued to one trader, and it is used by the trader to confirm the history of unpaid amounts and the balance.

Further, as described above, it has a memory such as a magnetic stripe and stores a fractional amount. This makes it possible to use this on-value card together with a prepaid card or the like used in a company.

In the figure, the user code column 301 is
The employee number (or name, etc.) of the owner of this on-value card is printed. New issue information column 302
Is the date of accrued payment (for example, the day of a business trip) and the total amount of unsettled payment until the issuance of a new on-value card
The unadjusted amount of money is printed with a fractional amount that cannot be settled with banknotes (in this embodiment, the fractional amount is less than 1,000 yen). Although not shown, if there are two or more settlement days, all the settlement dates are printed. At this time, the amount of money may be printed corresponding to the date of occurrence, or the total amount of money may be printed on the last date of occurrence.

Further, the transaction information line 303 is a line in which the date of generation of a new unpaid amount, the amount of the unpaid amount, and the fraction of the total amount of the unpaid amount that cannot be settled with bills are printed. Is. For example, in FIG.
Taking the example of the transaction on February 18th, the previous fraction was 9
It is 80 yen, and the amount of payment this time is 3100 yen, so the unpaid amount will be 4080 yen.
000 yen has been paid with the 1,000 yen bill this time, and the unpaid amount is 8
It is 0 yen.

The processing history print line 304 prints, for example, a character "pay in 1,000 yen bill" each time the settlement is performed, and the settlement of the unsettled amount shown in the transaction information line 303 till then. Indicates that it has ended except for the fraction. Here, the display column of the fractional amount of money in the transaction information line 303 printed directly above the processing history print line 304 indicates the unadjusted amount of money as it is. That is, as described above, the transaction information line 303 indicates the fraction that cannot be settled with bills out of the unsettled amount at that time, so after the settlement, it shows the balance (unsettled amount) as it is. Become. However, as it is, it is difficult for the trader to understand that this line indicates the unpaid amount, so "**" is printed.

Next, the operation procedure of such an automatic settlement system will be described with reference to the flowchart of FIG.

First, when the power supply unit 112 is turned on, the settlement machine 100 enters a standby state. At this time, the customer service processing unit 106
Causes the display unit 101 to perform a reminder display according to an instruction from the control unit 110 (step 200). This reminder display is
The transaction prompts the trader to insert the ID card into the ID card accepting unit 104 and enter the ID code using the key operation unit 102. For example, "Please insert the ID card. Characters and "Please enter the ID code. 』And display.

The trader makes an ID in the ID card receiving section 104.
When the card is inserted, the card reader unit 108
The information stored in the D card is read and the control unit 110
Send to. Further, subsequently, when the trader inputs the ID code using the key operation unit 102, the customer service processing unit 106 sends the operation content to the control unit 110. Then, the control unit 106
Inputs the ID card information and the ID code, reads the corresponding personal information from the host computer, identifies and confirms the trader, and determines whether or not the transaction is possible (step 210). For example, I
The ID code stored in the D card or the host computer matches the ID code entered by the key, and I
If the personal information of the trader specified based on the D card information is stored in the host computer, it may be determined that the transaction is possible, and in other cases, it may be determined that the transaction is impossible.

If the control unit 110 determines that the transaction is not possible, the ID card is returned from the ID card receiving unit 104, the process returns to step 200, and the standby state is resumed.

On the other hand, when it is judged that the transaction is possible, the display unit 101 displays the settlement fee and the employee number (which may be a trader name or the like) (step 220).
At the same time, if an on-value card has already been issued to the trader, a reminder display is displayed to confirm to the trader whether or not the on-value card is brought (the same).

The trader inputs whether or not he / she has already issued the on-value card (that is, the presence / absence of the on-value card) by operating the key operation unit 102. The input information at this time is sent to the control unit 110 via the customer service processing unit 106, and it is determined whether or not there is an on-value card (step 230). On the other hand, for a trader who makes a transaction for the first time, it is judged that there is no on-value card without displaying this reminder (the same), and step 241
Perform the following processing.

If there is an on-value card, the control unit 110
When it is determined, the display unit 101 first displays a reminder display for the trader to insert the on-value card (step 231). Subsequently, the control unit 110 determines whether or not an on-value card has been inserted into the on-value card receiving / exiting slot 105 (step 232). When the on-value card is not inserted, the process returns to step 231 and the above-mentioned reminder display is performed again.

On the other hand, when the on-value card is inserted, the control unit 110 uses the unpaid money information of the trader read from the host computer, and the bill dispensing unit 103.
Calculates the type and number of banknotes to be thrown out, and sends the calculation result to the banknote payout processing unit 107. In addition, the control unit 110
Also calculates the amount of money that cannot be settled with banknotes (that is, a fraction less than one thousand yen). These calculation results are sent to the card processing unit 109.

The bill ejection processing unit 107 counts the bills according to the calculation result input from the control unit 110, and ejects a bill of a corresponding amount from the bill ejection unit 103 (step 233).

Further, the card processing unit 109 first determines whether or not an unprinted print line remains in the on-value card inserted into the on-value card receiving / exiting port 105 as described above. When an unprinted print line remains, the transaction information line 303 and the processing history print line 304 are printed, and the information is magnetically recorded on the on-value card and the on-value card is inserted from the on-value card receiving / exiting port 105. It is returned (step 234) and the settlement is completed (see FIG. 3A).

On the other hand, when it is determined in step 230 that there is no on-value card, first, a display indicating that a new on-value card can be issued and settlement can be made, and the display unit 101 displays the unpaid amount. A reminder display is displayed to confirm with the trader whether or not to display the payment (step 241).

The trader inputs whether or not to make a payment by operating the key operation unit 102. The control unit 110 takes in an operation signal via the customer service processing unit 106 and determines whether or not to make a payment (step 242).

When the settlement is not carried out, the control section 110 carries out the handling cancellation processing (step 250) and terminates the processing. On the other hand, when performing the settlement, the control unit 110 calculates the type and the number of bills to be ejected from the bill ejection unit 103 and sends them to the bill ejection processing unit 107 in the same manner as in step 233 described above. , Calculates the amount of money that cannot be settled with bills and sends it to the card processing unit 109.

The bill ejection processing unit 107 counts the bills according to the calculation result input from the control unit 110, and ejects a bill of a corresponding amount from the bill ejection unit 103 (step 243). The card processing unit 109 has a user code column 301 and a new issue information column 30 as shown in FIG.
A user code, an unbalanced payment occurrence date, an unbalanced money amount, and a fractional money amount are printed on 2, and the information is magnetically recorded as an on-value card, which is ejected from the on-value card receiving / exiting port 105 (step 244), Close the settlement. At this time, if there are a plurality of unsettled accounts, all unsettled accounts generation dates are also printed.

When the user who has already issued the on-value card forgets the on-value card, the card processing unit 109 first creates a new on-value card as shown in FIG. 3 (b). A number of reissues 305, a user code column 301, a reissue information column 306, a transaction information line 303, and a processing history print line 304, respectively, magnetically record the information, perform a reissue process, and turn this on. Turn value card on Value card accepting exit 10
From 5 (step 244), the settlement is completed. Here, the reissue information field 306 is a printout of the contents of the previous settlement transaction, the last unpaid settlement date when using the old on-value card, and the total amount of unpaid settlement at that time, In addition to printing the fractional amount (unpaid amount) at that time, the character "is paid up to" is printed so that it can be easily understood by the trader. And we will use this new on-value card and will not accept the old on-value card in the settlement transactions after the next time, so we will not accept the lost card for the new on-value card. A note will be printed.

As for the handling when there is no on-value card, even after issuing a new on-value card,
The use of the old on-value card may be permitted. As a result, the trader can use a plurality of on-value cards together depending on the amount of unpaid money and the like. An example of the description format of the on-value card in this case is shown in FIG. In this way, with the on-value card, the number of issued cards 307, the user code column 301, and a note that "other cards can also be used", along with transaction information about uncleared accounts that have occurred since the last clearing transaction A line 303 and a process history print line 304 are printed.
In addition, the total amount and the fraction of the unpaid amount are calculated only for those recorded in the same on-value card.

Further, in this case, the settlement history can be stored in the on-value card itself instead of the host computer 10. However, when a plurality of on-value cards are used together in this way, it becomes impossible to perform the settlement transaction using the settlement machine 100 when the on-value cards are lost. Therefore, it is desirable to print out the characters, for example, "Please note that fractions will not be carried over if you lose your card."

When the blank of the print line of the on-varieous card inserted by the user does not remain, the on-value card is stored in the same manner as the above-mentioned reissue by forgetting the card after storing this card. Should be issued (see FIG. 3B). However, in this case, the characters "Lost card cannot be used" are not printed.

As described above, according to the automatic settlement system of the present embodiment, only the on-value card is recorded without performing the settlement of the fraction less than 1000 yen, and the total of the fractions at the time of the settlement after the next time is 1,000. When the amount exceeds the yen, the adjustment is made with 1,000 yen as the minimum unit, and therefore it is not necessary to provide the adjusting machine 100 with a coin dispensing mechanism.

The automatic settlement system of the present invention is not limited to such an embodiment, and can be implemented by appropriately changing it. For example, in this embodiment, 1
Although the system is composed of one host computer 10 and a plurality of settlement machines 100, one or more terminals having a coin dispensing mechanism may be provided separately from the settlement machine 100. Further, this terminal may be provided with only a coin dispensing mechanism or may be provided with both a coin dispensing mechanism and a bill dispensing mechanism. In this case, a terminal equipped with a coin dispensing mechanism is installed in advance in the case where it is desired to settle fractions, and normally the settlement machine 100 installed at the nearest place in the company is used. As compared with the conventional system, the cost and the burden of maintenance can be reduced, and the fractional settlement can be performed.

[0048]

As described in detail above, according to the automatic settlement system of the present invention, the settlement transaction is carried out only with bills, and the fraction which cannot be settled with bills is carried over to the next transaction. Since a coin dispensing mechanism is not required, therefore, the burden on maintenance is light and the manufacturing cost can be reduced.

[Brief description of drawings]

FIG. 1 is a perspective view schematically showing an appearance of a settlement machine of an automatic settlement system according to an embodiment of the present invention.

FIG. 2 is a block diagram schematically showing a control system of the automatic settlement system according to the embodiment of the present invention.

FIGS. 3A to 3C are conceptual diagrams showing an example of printing an on-value card used in an automatic settlement system according to an embodiment of the present invention.

FIG. 4 is a flowchart for explaining the operation of the automatic settlement system according to the embodiment of the present invention.

[Explanation of symbols]

 10 host computer 20 communication line 100 settlement machine 101 display section 102 key operation section 103 banknote dispensing section 104 ID card receiving section 105 on-value card receiving and dispensing slot 106 customer service processing section 107 banknote dispensing processing section 108 card reader section 109 card processing Unit 110 control unit 111 I / F unit 112 power supply unit

Claims (4)

[Claims] 1. An automatic settlement system comprising a central processing unit for centrally storing individual settlement information for each individual, and one or a plurality of settlement devices connected to the central processing unit. , Personal authentication means for identifying and confirming the transactor of this settlement machine, unsettled information input means for inputting the unsettled amount of transaction of the transponder identified by this personal authentication means, and this unsettled information Of the unadjusted amount input from the input means, for the amount that can be settled with a banknote, among the banknote ejecting means for ejecting the corresponding banknote, and the unadjusted amount input from the unadjusted information input means An automatic settlement system comprising: an on-value card issuing means for issuing an on-value card on which an amount of money that cannot be settled with bills is printed. 2. An automatic settlement system comprising a central processing unit for centrally storing individual settlement information for each individual, and one or a plurality of settlement devices connected to the central processing unit, wherein the settlement device is , Personal authentication means for identifying and confirming the transactor of this settlement machine, unsettled information input means for inputting the unsettled amount of transaction of the transponder identified by this personal authentication means, and this unsettled information Of the uncleared amount input from the input means, for the amount that can be settled with banknotes, a bill ejecting means for ejecting the corresponding bill, and an on-value card printed with the unadjusted amount until the last settlement. The on-value card accepting means to be accepted and the on-value card accepted by this on-value card accepting means is additionally printed with the unpaid amount after settlement Automatic payment system characterized by comprising a Yukado issuing means. 3. The on-value card issuing means prints out the unpaid amount after the present settlement on a new on-value card when the on-value card receiving means does not insert the on-value card, and throws it out. The automatic settlement system according to claim 2, wherein: 4. The automatic system according to claim 1, further comprising a terminal equipped with a money dispensing means for dispensing money of an amount that cannot be settled with the unadjusted amount of banknotes. Payment system.