JPH05342443A - Automatic foreign currency exchange and draw out device - Google Patents

Abstract

PURPOSE:To enable money changing by automating foreign currency changing and drawing out the converted amount from an ordinary deposit account in the exchange work of banks. CONSTITUTION:This device is provided with a foreign exchange market price display mechanism 1 to display the foreign exchange market price, foreign exchange market price storage device 11 to store the current foreign exchange market price, data input mechanism 2 to store information inputted by customers in an input data storage device 12, money changing amount calculating mechanism 3 to calculate the money changing amount and the commission of money changing based on the data inputted by this mechanism 2, the foreign exchange market price, and a commission stored in a commission information storage device 13, will confirming mechanism 5 to confirm the will of money changing of the user, dispensation calculating mechanism 6 to update a normal master file 14 based on the inputted data and data obtained by the money changing amount calculating mechanism 3, slip printing mechanism 7 to print the slip of the transaction, slip ejecting mechanism 8 to eject the slip, foreign currency ejecting mechanism 9 to eject currency from a currency preserving device 15 by currency, picture output mechanism 4 to apply instructions or information to the user, and processing control mechanism 10 to control the execution of these respective mechanisms.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic currency exchange and withdrawal device, and in particular, in the foreign exchange business of a bank, a user can use foreign currency exchange, which is performed by a person at a counter, as an automatic currency exchange and withdrawal device. The present invention relates to an automatic foreign currency exchange and withdrawal device that converts necessary foreign currency into Japanese yen and withdraws the converted amount from a user's savings account.

[0002]

2. Description of the Related Art Conventionally, foreign exchange operations have been carried out at the foreign exchange counters of banks through the hands of bank employees.

[0003]

[Problems to be Solved by the Invention] With the advent of the internationalization era, the expansion of companies overseas, the increase in transactions with foreign countries, or the dramatic increase in the number of travelers overseas has led to the exchange of foreign exchange business. The weight of work is increasing year by year. For this reason, it is necessary to further promote labor saving in banking operations by automating the exchange operations that have conventionally been performed manually.

[0004]

SUMMARY OF THE INVENTION An automatic currency exchange and withdrawal device of the present invention is a foreign exchange rate display mechanism for displaying a foreign exchange rate, a foreign exchange rate storage device for storing the current foreign exchange rate, and a customer. Data input mechanism for inputting the transaction information of the above and storing the inputted information in the input data storage device, the data input by the data input mechanism, and the foreign exchange rate stored in the foreign exchange rate storage device. ，
By the exchange amount calculation mechanism that calculates the exchange amount and the exchange fee based on the fee stored in the fee information storage device, the intention confirmation mechanism that confirms the user's exchange intention, the input data and the exchange amount calculation mechanism. A withdrawal processing mechanism that normally updates the master file based on the obtained data, a slip printing mechanism that prints the slips necessary for the transaction, and a slip discharge mechanism that discharges the slips printed by the slip printing mechanism, It is configured to include a foreign currency release mechanism for releasing the currency stored in the currency storage device for each currency, a screen output mechanism for giving instructions and information to the user, and a processing control mechanism for controlling the execution of these mechanisms. ..

[0005]

An embodiment of the present invention will be described with reference to the drawings.

FIG. 2 shows an automatic currency exchange and withdrawal device according to the present invention. In the center of the device, as shown in FIG. 3, a screen output device 21 for displaying various operation guides to the user in Japanese.
Is provided. Below that, a slip discharge port 22 for discharging a printed slip, a foreign currency discharge port 23 for discharging a foreign currency,
A card slot 24 for inserting a cash card is provided.

FIG. 3 is a screen layout image output to the screen output device 21, and 31 represents a screen on which the user inputs the withdrawal amount and the foreign currency type. Reference numeral 32 denotes a screen on which the withdrawal amount input by the user, the yen consideration conversion amount, and the fee are output, and the user confirms the withdrawal.

The present invention will be described in detail with reference to FIG. 1, which is a block diagram of the apparatus having the above-mentioned configuration and showing the apparatus configuration and processing flow of the present invention. (1) The user first selects, through the screen output device 21, the foreign exchange rate display or the foreign currency withdrawal on the initial screen displayed by the screen output mechanism 4. (2) When the user selects the foreign exchange rate display, the screen output mechanism 4 outputs the type of foreign currency to the screen output device 21. (3) The user presses the foreign currency type key whose price is to be confirmed. (4) Based on the foreign currency type input in the previous section, that is, in (3), the foreign exchange rate display mechanism 1 uses the foreign exchange rate storage device 1
The market price stored in 1 is output to the screen output device 21. (5) When the user selects foreign currency withdrawal, the user inserts it into the cash card slot 24 according to the instructions on the screen,
Next, enter your PIN. Next, the amount of money and the type of foreign currency are input (see screen layout 31). (6) The data input mechanism 2 stores the data obtained in the previous section, that is, (5), in the input data mechanism device 12. (7) The exchange amount calculation mechanism 3 includes the input data storage device 1
2. The yen consideration conversion amount is calculated based on the data stored in the foreign exchange rate storage device 11 (the user inputs 20 dollars in (5) and is stored in the foreign exchange rate storage device 11). When the yen-dollar exchange rate is 130 yen / 40 dollars,
(20 × 130.40 = 2608 yen), the fee amount stored in the fee information storage device 13 is searched, and the total amount (withdrawal amount) is calculated. (8) The exchange amount calculation mechanism 3 stores the information obtained in (7) in the input data storage device 12. (9) The screen output mechanism 4 outputs the withdrawal amount, the yen consideration conversion amount, the fee amount, and the total amount stored in the input data storage device 12 to the screen output device 1 (see the screen layout 32). (10) The intention confirmation mechanism 5 confirms with the user whether the total amount displayed on the display in (9) may be withdrawn. (11) When the user approves the withdrawal (screen layout 3
(When [Yes] is pressed in 2.) Move to the next process. If not approved (when [No] is pressed in the screen layout 32), the screen returns to the initial screen. (12) The withdrawal processing mechanism 6 is based on the information (account number, etc.) obtained from the cash card stored in the input data storage device 12 and the personal identification number, and the master file 1 of the ordinary deposit.
Access 4. (13) Next, based on the yen consideration conversion amount, the fee, etc. stored in the input data storage device 12, the master deposit file master file 14 is updated. (14) The voucher printing mechanism 7 prints necessary items on the withdrawal transaction on the voucher and supplies the printed voucher to the voucher discharging mechanism 8. (15) The slip ejection mechanism 8 delivers the slip received from the slip printing mechanism 7 to the user through the slip ejection port 22. (16) The cash card inserted in (5) is passed to the user through the card slot 24. (17) The foreign currency release mechanism 9 uses the foreign currency release port 2 to transfer the foreign currency stored in the currency-based currency storage device 15 based on the withdrawal amount and the foreign currency type stored in the input data storage device 12.
Supply to users through 3.

[0009]

As described above, the present invention can bring about the following effects. (1) Bankers are freed from foreign currency exchange operations. (2) Automation will lead to labor saving in banking business. (3) Withdrawal from the savings account leads to customer acquisition. (4) The user can obtain foreign currency without carrying cash. (5) This will increase commission income. (6) By installing overseas, travelers can easily withdraw foreign currencies at any time, so there is no need to carry large amounts of cash, and the safety of travelers is enhanced. (7) Since the ordinary account deposit is used, the financial management of the user becomes easy.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention.

FIG. 2 is an external view showing the outline of an automatic foreign currency exchange withdrawal device of the present invention.

FIG. 3 is an explanatory diagram showing an example of a screen layout of the automatic currency exchange and withdrawal device of the present invention.

[Explanation of symbols]

 1 foreign exchange rate display mechanism 2 data input mechanism 3 exchange amount calculation mechanism 4 screen output mechanism 5 intention confirmation mechanism 6 withdrawal processing mechanism 7 slip printing mechanism 8 slip release mechanism 9 foreign currency release mechanism 10 processing control mechanism 11 foreign exchange rate storage device 12 input data storage device 13 fee information storage device 14 ordinary master file 15 currency storage device by currency

Claims (1)

[Claims] 1. A foreign exchange rate display mechanism for displaying a foreign exchange rate, a foreign exchange rate storage device for storing the current foreign exchange rate, a customer inputs his / her own transaction information, and inputs the input information. Based on the data input mechanism to be stored in the data storage device, the data inputted by the data input mechanism, the foreign exchange rate stored in the foreign exchange rate storage device, and the fee stored in the fee information storage device. The exchange amount calculation mechanism that calculates the exchange amount and the exchange fee, the intention confirmation mechanism that confirms the user's exchange intention, and the normal master file is updated based on the input data and the data obtained by the exchange amount calculation mechanism. Payment processing mechanism, a voucher printing mechanism for printing vouchers necessary for the transaction, a voucher releasing mechanism for ejecting vouchers printed by the voucher printing mechanism, and a currency storage device for each currency. An automatic foreign currency exchange characterized by comprising a foreign currency discharge mechanism for discharging the currency being controlled, a screen output mechanism for giving instructions and information to the user, and a processing control mechanism for controlling the execution of these mechanisms. Withdrawal device.