JPH07120460B2 - Money changer - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION In a money changer capable of withdrawing money by a card, a predetermined code set on the money changer and a corresponding code recorded on the card are equal in a predetermined time zone. In addition, it is possible to withdraw money as long as the card is not an invalid card. In other time zones, the identification number verification method is used. This ensures the integrity of a lost or stolen card and improves the processing efficiency of the money changer.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a money changer capable of making a money withdrawal using a card.

Large stores such as supermarkets and department stores have a large number of cash registers, and all of these cash registers must be provided with banknotes and coins for change. Therefore, these large stores are equipped with money-changing machines dedicated to register operators. This money changer throws in high-value banknotes and exchanges them for lower-value banknotes and coins.

However, before the start of business, the above money changer cannot be used because there is no high-value banknote to be exchanged in each register. Therefore, the operator of each cash register received banknotes and coins for change (this is referred to as change fund) from the accounting section staff of the store. It is desired to realize an automatic machine that supplies a change fund without the need for an accounting staff member.

SUMMARY OF THE INVENTION The present invention provides an automatic money changer that can supply a change fund using a storage medium such as a card, can protect the storage medium from loss or theft, and can improve the efficiency of exchange processing. With the goal.

The money changer according to the present invention is the first inspection means for judging whether or not it is an authorized storage medium by comparing a part of the information recorded in the storage medium with the reference information stored in advance in the memory. , Second checking means for judging whether or not the storage medium corresponds to an invalid storage medium stored in the memory based on other information recorded in the storage medium, a key-in personal identification number and the storage medium The third inspection means for determining whether or not the personal identification number information recorded in (1) and (2) are in a predetermined correspondence relationship, and in the predetermined time zone, the inspection by the first and second inspection means is performed. In a time period other than the above, at least the inspection by the first and third inspection means is performed, and when the inspection is passed, control is performed so as to perform the operation of discharging the cash of the denomination and the number of coins set for exchange. Characterized in that it comprises a means.

Not only magnetic card but also IC card, CPU as storage medium
Various types of cards such as cards and optical cards can be used. For the currency exchange setting, the number of coins can be set for each denomination by using the denomination type currency exchange setting panel, but in general, the total amount of money and the combination of denomination and number of coins (known as a currency exchange pattern) are determined. In many cases, the money changer may automatically determine this money change pattern.
The exchange pattern may be recorded in a storage medium or may be stored in the memory of the exchange machine. It would also be possible to let the operator choose one of several exchange patterns. At this time, the exchange pattern may be determined by inputting the total amount even if the input device such as a push button is used for selection.

When the storage medium makes it possible to obtain the change fund, this storage medium becomes a kind of voucher for supplying infinite money. Therefore, it is necessary to prevent misuse due to accidents such as loss or theft. As a method of checking whether a person who has a storage medium is qualified to use the storage medium, there is a PIN confirmation method. This is to check whether or not the personal identification number recorded in the storage medium and the personal identification number keyed in have a certain correspondence (for example, coincidence).

However, in the large stores mentioned above where it is necessary to supply a large amount of change fund to many operators within a short time before the start of business, it may be time-consuming to have the operator key in the personal identification number for verification. There is a problem that it takes too much time.

According to the present invention, when each operator should prepare the change fund before opening at a predetermined time, for example, in the above-mentioned large store, a part of the storage medium information is collated with the information stored in advance in the memory. And the second inspection to check whether it is a registered invalid storage medium such as a lost or stolen storage medium,
The third inspection, which is a collation inspection of the personal identification number, is not performed. Since it is not necessary to key in the personal identification number, the money to be exchanged can be discharged in a short time, and the efficiency of the money exchange process can be improved in a time zone in which users such as operators concentrate. In addition, since the invalid storage medium is checked, if the storage medium is lost or stolen, if it is registered as an invalid storage medium, transactions cannot be performed using that storage medium, which increases safety. ing. Also,
Since the person who uses the money changer in such a predetermined time zone is specified as the operator of the register, etc., even if an illegal acquirer of the storage medium tries to use the money changer during this time zone, the mutual monitoring works and However, it can be expected that the illegal use of the storage medium can be prevented. this is,
Especially, it works effectively when the registration of the invalid storage medium is delayed.

In times other than the above, that is, in times when the users are not concentrated, the input PIN and the PIN of the storage medium are checked against each other. Therefore, the storage medium is lost or stolen. It is possible to secure the conservation.

Description of Embodiments FIG. 1 shows an outline of an electrical configuration of a money changer capable of card transactions.

This automatic money changer is controlled by a CPU 10, and the CPU 10 has a ROM 11 for storing its execution program and a RAM 12 for storing various data. Further, various input / output devices 13 to 19 controlled by the CPU 10 are connected to the CPU 10. The card reader / writer 13 reads the data recorded in the inserted card and writes it in the data if necessary. The journal printing device 14 prints all exchange transaction data, and particularly, together with data representing a card used in release processing of change fund etc. using a card (for example, employee code and card number described later). Print the denomination, number, and total amount of cash released in a journal for recording. These transaction data may be stored in the RAM 12 in addition to or instead of the journal printing. Customer service department 15 is a currency exchange setting panel,
It includes a keyboard including various keys such as a numeric keypad for inputting a personal identification number, various indicators, and an operation guide display device.

The banknote processing unit 16 discriminates and counts the banknotes to be exchanged that have been inserted for currency exchange, stores them in a storage box after temporarily holding them, and also pays out and ejects banknotes of the denomination and the number of banknotes set for exchange from the storage box. To do. The wrapping coin dispensing unit 17 and the loose coin dispensing unit 18 respectively dispense the denomination, the number, and the number of wrapping coins and loose coins set for exchange from their storage boxes and discharge them. The clock 19 outputs at least a signal representing time.

As shown in FIG. 3, the RAM 12 stores in advance a company code for identifying the company in which this automatic money changer is installed and a store code indicating the installation store. A time period during which the personal identification number check is not performed, for example, a certain time period before the start of business of the store, is preset and stored in the RAM 12. There is also an invalid card registration area in RAM. In this registration area, the number of cards that have been invalidated due to loss or theft (the number of registrations) and the employee code (and / or card number) for identifying these invalid cards are stored.

FIG. 2 shows an example of a card format for ejecting changeable banknotes such as a change fund without inputting money in the automatic money changing machine. The card has a start code,
An ID mark determined according to the purpose of use of the card, an approval mark indicating that the company has approved it, a personal identification number of the operator who uses it, the company code above, the store code, an employee code indicating the operator who owns the card, a card A card number as an identification code, a valid code, an end code, etc. are recorded. As is well known, the personal identification number is used to confirm the card holder by the personal identification number verification method. A valid code is an increment when the password is entered incorrectly a certain number of times in a single transaction, and when the valid code reaches a given value (eg 2), the card is invalid. It is said that

In this automatic money changer, it is possible to perform a change-fund release process using a card and a process of inserting a to-be-converted banknote and converting it into a lower denomination. FIG. 4 shows an outline of an execution procedure by the CPU 10 for such processing.

First, it is determined whether or not a card has been inserted and whether or not currency exchanged banknotes have been inserted (steps 21, 33). When the card is inserted, the card data is read by the card reader 13 and the check process of the card data is started. When a bill has been inserted, its authenticity, denomination, etc. are discriminated and counted to determine the total amount of inserted bills (step 34). After this, proceed to the exchange setting.

In the card check processing, the code system of the read card data is first checked (step
twenty two). There are JIS, ASC, and others in the code system, but it is judged whether it is applied to this card. If the code system check is passed, then it is checked whether the ID / approval mark is a predetermined one, and whether the valid code is less than a predetermined value (steps 23 and 24). If these checks are OK, it is further determined whether the company code and store code in the card data match those registered in RAM12 (step 25), and whether they are not registered in the invalid card registration area of RAM12. Please (Step 2
6) is checked. If the company code and store code match and it is not an invalid card, it is checked whether it is a time period without a password check (step 27).

That is, it is determined whether or not the time represented by the output signal of the clock 19 is included in the time period without the password check stored in the RAM 12, and if it is the time period without the password check, the process proceeds to the exchange setting.

If it is not the time period without the password check, the user is requested to enter the password from the keyboard of the customer service section 15 (step 28). Key-in PIN and card
If the personal identification number in the data is collated and these are in a predetermined correspondence (for example, coincidence) (step 29), it is possible to exchange money using a card and proceed to exchange setting.

If any of the above checks (steps 22 to 29) is judged as NG, the card is returned or collected (step 3
5), the processing of the automatic money changer ends.

It goes without saying that the order of the various checks described above can be set arbitrarily.

Currency exchange settings can be made in various ways. It is also possible to input and set the desired denomination and the number (number) of coins on the exchange setting panel. This method will be common when cash is used. For the card-using operator, an exchange pattern may be previously determined and stored in the RAM 12 or recorded in a card in order to quickly release the change fund, and the CPU 10 may automatically set the change pattern.
Alternatively, some currency exchange patterns may be set, and a desired currency exchange pattern may be selected using the pattern selection button.

In any case, when the exchange setting is completed, the contents of the exchange setting, the predetermined data of the card, etc. are printed on the journal, and the denomination and the number of coins set by the banknote processing unit 16 and the coin dispensing units 17, 18 ( (Number) of cash is paid out and released, and if there is a card, it is returned (step
30).

The operator removes the card (step 31),
If the discharged cash is taken out by the operator or the user (step 32), the series of processing is ended.

Checking both the company code and the store code has the following meaning. If the card is lost or stolen only by inspecting only the company code and checking for invalid registration, the card can be immediately invalidated in RAM12 at the store, but contacted and invalidated at other stores. If the registration process is delayed, cash can be withdrawn at this store using the card. In order to prevent this, the store code is also checked, and a closed system is used in which the card can be used only at the relevant store for maintenance. However, it is not always necessary to check the store code because it can be considered as follows.

That is, since the time period when the PIN is not checked is limited to a certain time period, for example, a short time period before the opening of the store, the person who uses the automatic money changer at this time period is the operator of the register or Often limited to a specific person, such as the person in charge. Therefore, even if registration of a card that should be invalidated due to loss or theft of the card is delayed, mutual monitoring by the above-mentioned specific person works during this time period, and an unauthorized person of the card cannot use the card. Actually impossible.

In order to prevent the above card from becoming a voucher of infinite value,
By recording the number of transactions using the card and limiting the number of times the card can be used without PIN verification by setting the above time period, the damage can be reduced even if the card is misused. it can.

Since the PIN collation check is performed at times other than the above hours, illegal use of the card is of course prevented.

[Brief description of drawings]

Fig. 1 is a block diagram showing the outline of the electrical construction of the automatic money changer, and Fig. 2 is a diagram showing the data format of the card.
FIG. 3 is a diagram showing the contents of the RAM, and FIG. 4 is a flow chart showing the automatic exchange processing procedure. 10 …… CPU, 12 …… RAM, 19 …… Clock.

Claims (1)

[Claims] 1. A first inspecting means for judging whether or not it is an authorized storage medium by comparing a part of information recorded in the storage medium with reference information stored in advance in a memory. Second checking means for determining whether the storage medium corresponds to the invalid storage medium stored in the memory based on other information recorded in the medium, the personal identification number keyed in, and the recording in the storage medium The third inspection means for determining whether or not there is a planned correspondence with the personal identification number information, and during the predetermined time period, the inspection is performed by the first and second inspection means, and other than that. During the time period, at least the inspection by the first and third inspection means is performed, and when the inspection is passed, a denomination set for exchange and a means for controlling so as to perform the operation of discharging the number of cash. A money changer equipped.