JPH07105423A - Method for calculating rate for money exchanging machine - Google Patents

Abstract

PURPOSE:To collect a rate matched with man-hour required for an exchanging transaction, to restrict excess exchange and to reduce man-hour corresponding to exchange by setting up a coefficient corresponding to an exchange item and calculating a rate based upon the coefficient. CONSTITUTION:When a customer inputs an ID number or the like by a touch input display device 13, correspondence between the customer and a card is checked, the insertion of paper maney is instructed, and when the customer inserts paper money from a money slot into a money receiving/paying device 25 and inputs and sets up an exchange item on an input display device 13, an exchange rate is calculated. The exchange rate is calculated by setting up its coefficients in accordance with the denomination of a transaction, a cooperated banking organ, the amount of a transaction, etc., correspondingly to each exchange item. A receipt issuing device 24 records the details of an exchange transaction and discharges a receipt to a receipt discharging port and the device 25, an individual coin discharging device 26 and a cylindrical coin discharging device 27 respectively discharge exchanged paper money/coins and a card reader 23 subtracts the exchange rate from the card to collect the rate.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a charge calculation method for collecting a change charge (change fee) in a change machine.

[0002]

2. Description of the Related Art For example, as a method of collecting an exchange fee in an automatic money changing machine installed in a bank or a store, a method of collecting a fixed fee (commission) for each exchange transaction can be considered. Since the number of man-hours required to prepare money to be exchanged at the store differs depending on the denomination and its amount, if the fixed charge is set as described above, there is a problem that it is not possible to collect a charge commensurate with the number of man-hours required for the exchange transaction.

[0003]

SUMMARY OF THE INVENTION The present invention is a money changer capable of collecting a charge commensurate with the number of man-hours required for a currency exchange transaction, and further restricting excessive money exchange to reduce the number of man-hours required for currency exchange transactions. The purpose is to provide a fee calculation method.

[0004]

The invention according to claim 1 of the present invention is a fee calculation method for a money changer, in which a coefficient is set corresponding to the item of currency exchange and the fee is calculated based on this coefficient. Is characterized by.

According to a second aspect of the present invention, in addition to the configuration of the first aspect of the present invention, there is provided a charge calculating method for a money changer in which a weight is set for the coefficient.

[0006]

According to the invention described in claim 1 of the present invention, since the coefficient is set corresponding to the item of exchange (condition of exchange), the item is, for example, a transaction type of money, affiliated finance. Institution (own bank, other bank (city bank, regional bank, credit union, credit company, consumer finance, etc.)), transaction volume (total transaction amount, total transaction number, total number, number of transactions), fixed period By setting a coefficient depending on the case where the fixed amount is exceeded every year (month, week, day), the exchange fee can be associated with the man-hour, and the proper fee can be collected. further,
By calculating the exchange fee based on the coefficient, the frequency of use is limited in the exchange transaction, excessive exchange is prevented, and the number of man-hours required for dealing with the exchange machine at the bank or the store is reduced.

In the invention according to claim 2 of the present invention, in addition to the effect of the invention according to claim 1, the coefficient is lightly weighted so that the exchange fee can be further subdivided to correspond to the man-hour. This makes it possible to collect charges more legitimately and prevent excessive currency exchange.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. The drawing shows an automatic money changer, and in FIG. 1, the money change transaction by the automatic money changer 11 is executed by a prepaid card issued to a user in advance.

The above-mentioned automatic money changer 11 has a handling indicator 12 on the front surface of the upper part of the main body of the apparatus, which indicates that a money-changing transaction is carried out.
, A touch input / display 13 that also serves as a touch input, a loose coin outlet 14, a packaging coin outlet 15, and a bill slot 1
6, a voice guidance unit 17 and a staff call button 18,
The card insertion port 19 and the receipt ejection port 20 are provided so as to be able to serve customers. The packaging coin discharge port 15 is provided with a shutter 15a, and the bill inlet / outlet port 16 is also provided with a shutter 16a.
The opening and closing of a is controlled during the exchange operation.

FIG. 2 shows a block diagram of a control circuit of the automatic money changer 11. The control device 21 is composed of, for example, a CPU, and the memory device 22 is composed of, for example, a ROM or a RAM. A program for exchange processing is stored, the control device 21 controls each circuit device according to this program, and necessary control data is readablely stored in the memory device 22. It should be noted that the memory device 22 stores, as a table, a coefficient for calculating a charge corresponding to each item of currency exchange described later.

The card reader 23 is the above-mentioned card insertion slot 1.
It is provided inside 9 and executes the processing of reading and writing the data of the inserted card. The receipt issuing device 24 is provided inside the receipt discharge port 20 described above, prints out the details of the exchange transaction on the journal and the receipt, and discharges the receipt.

The banknote deposit / withdrawal device 25 is the banknote slot 1 described above.
6 inside, accepting the inserted high-value banknotes,
The payout of the exchanged bills is performed. The loose coin dispensing device 26 is provided inside the loose coin outlet 14 described above.
Discharge loose coins to be exchanged.

The tubular coin dispensing device 27 is provided inside the above-mentioned packaged coin outlet 15 and dispenses and dispenses the tubular coins to be exchanged.

The modem device 28 is connected to a remote monitoring control device 30 via a modem device 29 in the in-store monitoring room. A monitoring monitor device 31 is connected to the remote monitoring control device 30 to operate the automatic money changer 11. Manage. For example, the operating state, the medium condition, the control of the operating time and the failure processing, and the response to the customer when the failure occurs are operated from a remote location. Further, the coefficient value in the coefficient table for charge calculation is changed, and a function for executing the change in batch is provided, and this change is operated from a remote place.

FIG. 3 (FIG. 4), FIG. 5, FIG. 6 and FIG. 7 show a coefficient table of each exchange item stored in the above-mentioned memory device 22, and this coefficient table is used to calculate the exchange fee (commission). Based on the coefficient.

The coefficient tables shown in FIGS. 3 and 4 are as follows.
It is a coin type and a coefficient for each customer. As shown in FIG. 4, the customer is ranked according to the transaction, and this rank is given to the card number of the prepaid card issued exclusively for exchange. Then, the coefficient is set by weighting lightly and lightly according to the type of money and the above rank, and the coefficient of the amount of money is set heavy for denominations that are frequently used and lightly for denominations that are rarely used. In addition, with regard to the customer rank, the customer side is lightened and the weight is set.

The coefficient table shown in FIG. 5 is a coefficient for each period. A period and a fixed amount are set for currency exchange transactions, and a coefficient is set for the case where the fixed amount is exceeded every fixed period. The longer is, the lighter the coefficient weight is set.

The coefficient table shown in FIG. 6 is a coefficient for each bank, and when each financial institution such as a bank issues a prepaid card exclusively for exchange, an ID number and an approval number are given to the card. Affiliated financial institutions can be identified, and by setting the rank to the affiliated financial institutions, this affiliated financial institution (own bank, other banks (city banks, regional banks, credit unions, credit companies, consumer finance, etc.)) Set the coefficient to
Moreover, the weight is set so that the lower the content of the partnership, the lighter it becomes.

The coefficient table shown in FIG. 7 is a coefficient for each transaction amount, and a rank is set for the transaction amount, a coefficient is set for this rank, and a heavier weight is set for a larger amount of money. There is.

Next, the automatic money changer 1 configured as described above.
The exchange fee calculation process 1 will be described. This automatic money changer 11
The prepaid card for currency exchange used for is issued by each financial institution in advance, and at the time of this issuance, the value on the card,
A card number, an ID number, and an authentication number are given, and the above-mentioned given items are magnetically recorded as card data, and the transaction contents such as transaction date, transaction amount, etc. are magnetically recorded each time it is used. At the same time, the exchange fee (commission)
Is collected by updating the card value.

For example, assuming that the card data of the above-mentioned card is card number: 6000, ID number: C, authentication number: 7, past use: no transaction for one year, the following exchange transaction fee will be applied. The calculation of will be described.

Transaction amount: 100,000 yen Transaction details: 500 cylindrical coins x 2 (50,000 yen): 500 loose coins x 20 (10,000 yen): 5,000 yen bills x 4 (20,000 yen) ): Thousand yen bill x 20 (20,000 yen) From the denomination coefficient table of Fig. 3, the card number of 6000
The coefficient of each corresponding denomination in the column corresponding to is read. That is, 500 cylindrical coins x 2 pcs: 1.5 (coefficient) 500 yen loose coins x 20 pcs: 1.2 (coefficient) 5,000 yen bills x 4 pcs: 1.1 (coefficient) 1,000 yen bills x 20 pcs : 1.1 (coefficient) Calculation method a. Calculation method for all transactions: Add the coefficients of each denomination that has been exchanged. 500 cylindrical coins: 2 coins x 1.5 (coefficient) =
3.0 500 loose coins: 20 coins x 1.2 (coefficient) = 2
4.0 5,000 yen bill: 4 x 1.1 (coefficient) =
4.4 Thousand yen bills: 20 sheets x 1.1 (coefficient) = 1
1.0 Gold type coefficient total S1a = 42.4 Calculation method b. Transaction denomination comparison calculation method: The maximum value of each denomination angle coefficient exchanged is adopted. Maximum value of the above coefficient calculation, that is, 500 loose coins: 20 coins x 1.2 (coefficient) = 2
Adopting 4.0, the sum of the coin type coefficients is set to S1b = 24.0.

From the coefficient table for each bank shown in FIG. 6, the coefficient values in the other row of the column corresponding to the card ID number: C authentication number: 7 are read. That is, the coefficient value S2 for each bank is set to 1.2.

From the coefficient table for each transaction amount of FIG. 7, the coefficient value in the column corresponding to 100,000 yen of transaction is read. That is, the transaction amount coefficient S3 = 1.1 From the coefficient table by period of FIG. 5, assuming that the past use of the card data: no transaction for one year, for example, the fixed amount is set to 500,000 yen. Since this exchange transaction is 100,000 yen and less than 500,000 yen, the coefficient in the fixed amount column is read. That is, the period coefficient table S4 = 1.0.

Next, in calculating the charge, the standard charge is set as the standard charge = 10 yen, and the sum of the exchange charges S is: S = S1 × S2 × S3 × S4 where S1 is Sa1 or Sb1 None, calculation method a. The exchange rate S that employs the total calculation method for all transactions is as follows: S = 10 yen × 42.4 × 1.2 × 1.1 × 1.0 = 559.68 yen Calculation method b. The exchange rate S that uses the transaction denomination comparison calculation method of is S = 10 yen × 24.0 × 1.2 × 1.1 × 1.0 = 316.8 yen, and these calculation methods a or b are , Either is selected and determined as a more legitimate charge. Then, this decision may be stored in the memory device 22 or may be instructed from the remote monitoring control device 30 to the automatic money changer 11.

FIG. 8 is a flowchart showing the processing operation by the control device 21 of the exchange fee calculated as described above, which will be described with reference to the drawing. That is, when the prepaid card is inserted into the card insertion slot 19, the card reader 23 reads the card data and judges the read card data to determine whether or not the card is valid and whether the card is used within the valid period. It is determined whether or not (step n1,
n2, n3), if both are NO, the error content is displayed on the touch input display 13, the card is returned (steps n4, n5), and the transaction ends.

Then, the customer confirms the correspondence between the customer and the card by inputting any one, two or all of the card number, the ID number and the authentication number from the touch input display unit 13. (Step n6) At the same time as instructing the insertion of high-value banknotes, the customer inserts high-value banknotes into the banknote deposit / withdrawal device 25 from the banknote inlet / outlet port 16 and inputs and sets the exchange item on the touch input display 13 (steps n7, n8). ),
Calculation of the exchange fee S (commission) is executed (step n
9). The above-mentioned calculation method a.
All transaction total calculation method or calculation method b. Calculated according to the method set for the transaction denomination comparison calculation method of.

Next, the receipt issuing device 24 records the details of the exchange transaction in the journal and receipt, and discharges the receipt to the receipt outlet 20 (steps n10, n1).
1), the banknote deposit / withdrawal device 25, the loose coin withdrawal device 26, and the tubular coin withdrawal device 27 deliver the set exchange currency and deliver it to the respective outlets (step n12). The exchange fee S is subtracted from the value to collect the fee, the transaction data is updated, and the card is returned to the card insertion slot 19 (steps n13 and n14).
The operation ends.

As described above, according to this embodiment, the items of exchange (conditions of exchange), that is, the money type coefficient of FIG. 3, the customer rank of FIG. 4, the period coefficient of FIG. 5, and the coefficient of FIG. Since the coefficients are set correspondingly to each other like the coefficient for each bank and the coefficient for each amount of money in FIG. 7, the exchange fee S can be associated with the number of man-hours, and the proper fee can be collected. Further, by calculating the exchange fee based on the coefficient, the frequency of use is limited in the exchange transaction, excessive exchange is prevented, and the number of man-hours for dealing with the exchange machine at the bank or the store is reduced.

Furthermore, by assigning a light weight to the coefficient of each item, it is possible to more finely correspond the exchange fee to the number of man-hours, to collect a more proper fee, and to avoid excessive exchange. Prevention becomes even more possible.

[Brief description of drawings]

FIG. 1 is a perspective view of an automatic money changer.

FIG. 2 is a control circuit block diagram of the automatic money changer.

FIG. 3 is an explanatory diagram of a money type coefficient table in the memory device.

FIG. 4 is an explanatory diagram of ranks of card contents in the memory device.

FIG. 5 is an explanatory diagram of a coefficient table for each period in the memory device.

FIG. 6 is an explanatory diagram of a bank-specific coefficient table in the memory device.

FIG. 7 is an explanatory diagram of a coefficient table for each transaction amount in the memory device.

FIG. 8 is a flowchart of exchange processing.

[Explanation of symbols]

 11 ... Automatic money changer 13 ... Touch input display 21 ... Control device 22 ... Memory device n9 ... Currency change calculation step

Claims (2)

[Claims] 1. A fee calculation method for a money changer in which a coefficient is set corresponding to an item of currency exchange and a fee is calculated based on the coefficient. 2. The money changer charge calculation method according to claim 1, wherein a weight is set for the coefficient.