JPH07220142A - Automatic transaction method and device therefor - Google Patents

Abstract

PURPOSE:To provide an automatic transaction method/device which can reduce the troublesemeness and the mental burden caused by the transaction operations and the payment of prices for customers. CONSTITUTION:When the transaction information is inputted by a customer (S1), the transaction amount needed for the transaction processing including the prices of commodities is calculated (S2). A prescribed operation is applied to the transaction amount so that this amount is divided into a 1st amount approximate to the prices of commodities and a 2nd amount obtained by subtracting the 1st amount from the transaction amount (S3, S4). A cash collector means is decided among those prepared cash collector means excluding the one that received the premium tickets (S5). Then the cash equivalent to the 2nd amount is collected by the decided cash collector means and also the cash equivalent to the 1st amount is collected by the cash collector means that received the premium tickets respectively (S6). Then the commodities are provided (S7).

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention mainly pays the consideration with cash or cash vouchers such as tickets, and exchanges predetermined items such as cash exchange, stamp and commuter ticket issuance, and sale and lending of other goods. The present invention relates to an automatic transaction device provided to a customer, and also relates to an automatic transaction device used for transactions involving additional expenses such as fees and taxes in addition to consideration for products.

[0002]

2. Description of the Related Art A financial institution has an automatic transaction device which can perform transactions such as payment, deposit, exchange transfer, and currency exchange by a customer's own operation for the purpose of speeding up transactions and saving labor. Not only financial institutions can install devices that perform desired transactions and provide products etc. by such customer operations,
It is used in various industries, and examples of this type of device include a commuter ticket issuing device and a vending machine.
The operating hours of the above-mentioned device may be extended not only during limited work hours but also after work hours, holidays, etc. for the purpose of improving customer service. Further, there are cases where taxes such as fees and consumption tax are collected for the above transactions and customer services. In order to deal with such transactions, there is an automatic transaction device that enables collection of fees,
For example, the technique is disclosed in JP-A-5-174043.

[0003]

In the current financial institutions, there are transactions in which fees are not collected and transactions are not collected in a predetermined time zone such as during business. In the future, there is a tendency to charge fees for services such as fee collection to improve profits, and the same applies to general service industries. In the above-mentioned device, if the customer puts in cash into the device in the amount of commission (and tax if necessary) in addition to the amount equivalent to the offer price of the desired product itself, the customer will make a transaction. It is troublesome because you have to be aware of the amount of fees and calculate the addition for each time. Further, since the commission amount and the tax amount are generally small compared to the offered price of the product itself, the customer also has troublesomeness such as having to prepare various kinds of coins in addition to bills. is there. Regarding the collection of fees, it is considered that financial institutions decide an appropriate fee collection method in consideration of their own profit and the loss of customers due to the burden of fees. As a result, it is considered that various conditions will be set rather than uniform, that is, in consideration of consistency with existing collection methods, the process of collecting fees, customer differentiation strategies, and the like.
Further, as described above, the operating hours of the device are likely to expand in the future, so it is important to reduce the chances of waiting for the customer and early dispatch of maintenance personnel as much as possible even when the device fails.

The present invention was created in consideration of the above-mentioned circumstances, and reduces the troublesomeness and psychological burden on the customer for the transaction, and even when a failure occurs, the customer waits and the maintenance staff can quickly operate. It is an object of the present invention to provide an automatic transaction device that can reduce the number of dispatches.

[0005]

[Means for Solving the Problems] In order to solve the above problems, the present invention is as follows. That is, in an automatic transaction device that performs a predetermined transaction process based on the input transaction information, collects a predetermined money related to this transaction process, takes out a product and provides the product to a customer, a money collecting means by collecting a voucher. And at least one monetary collecting means other than the monetary collecting means for collecting cash vouchers.
In addition, a transaction amount calculation means for calculating a transaction amount generated along with a transaction process including a consideration of a product, and a first amount that is closer to the consideration of the product by performing a predetermined calculation on the above-mentioned transaction amount. And a monetary decomposing means for dividing into a second monetary amount, which is a monetary amount less the first monetary amount, and at least one monetary collecting means other than the monetary collecting means for collecting vouchers as described above. And a determining means for determining one. Then, the money collecting means decided by the deciding means collects money corresponding to the second amount, and the money collecting means by receipt of cash vouchers collects money corresponding to the first amount.

[0006] Further, when the product provision state determining means for determining whether or not the product provision to the customer is normally performed and the product provision state determining means determines that the product provision is not normally performed, the product provision is again performed. And a storage unit that stores information for enabling the above in a predetermined manner.

Further, whether or not the cash vouchers have been received based on the cash voucher receipt unfinished information fetching means for fetching the information stored in the above-mentioned storage means and the information fetched by the cash voucher receipt unfinished information fetching means. If it is determined by the cash voucher receipt unfinished judgment means and the cash voucher receipt unfinished judgment means that the cash voucher has been received, the information regarding the received cash voucher is taken out based on the information stored in the storage means. It further comprises a received cash voucher information extracting means.
Then, the merchandise is provided based on the information about the received money vouchers taken out by the received money voucher information extracting means.

[0008]

According to the present invention, the automatic transaction device having the above-mentioned structure is provided with at least one other money collecting means in addition to the money collecting means for collecting cash vouchers. And
Calculate the transaction amount that accompanies the transaction processing including the consideration of the product. Next, a predetermined calculation is performed on this transaction amount to decompose it into a first amount that is closer to the price of the product and a second amount that is the transaction amount minus the first amount. In addition, from the prepared money collecting means,
Decide one monetary collection method excluding cash collection means. Then, the money corresponding to the second amount of money is collected by the money collecting means determined to be one as described above, and the money corresponding to the first amount of money is collected by the money collecting means by receipt of vouchers.

Further, it is judged whether or not the product has been normally provided to the customer, and if it is determined that the product has not been normally provided, the information for enabling the above-mentioned product provision is again provided in a predetermined mode. Is stored in the storage means.

Further, the information stored in the above-mentioned storage means is taken out, and based on the taken out information, it is judged whether or not the cash vouchers have been received. If it is determined that the cash voucher has been received, the information about the received cash voucher is taken out based on the information stored in the storage means, and the above-mentioned product is provided based on the information about the picked-up cash voucher. To do.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. FIG. 1 is an explanatory view of an embodiment of the present invention,
2 is a system configuration example, FIG. 3 is a hardware configuration diagram of a currency exchange device, FIG. 4 is a hardware configuration diagram of a host computer, FIG. 5 is a flowchart of processing outline, FIG. 6 is a flowchart of exchange transaction processing (part 1), 7 is a flowchart of exchange transaction processing (No. 2), FIG. 8 is a flowchart of exchange transaction processing (No. 3), FIG. 9 is a flowchart of fee collection processing, FIG. 10 is a flowchart of refund processing, and FIG.
1 is a flow chart (part 1) of the product sales process, FIG.
FIG. 13 is a flowchart (part 2) of the merchandise selling process, FIG. 13 is a flowchart (part 3) of the merchandise selling process, FIG. 14 is an example of prepaid card information, and FIG. 15 is an example of cash card information.

FIG. 3 shows an example of the hardware configuration of a money changer to which the present invention is applied. Reference numeral 1 is a money changer installed in each branch of the bank. Reference numeral 3 denotes a terminal control device (hereinafter referred to as “TC”) installed in the same branch as the exchange device 1, and is connected to the exchange device 1. The currency exchange device 1 includes a processor 101, a memory 102, a floppy disk device 103, a communication control unit 104, a disk (hereinafter referred to as “DK”) control unit 105, a DK 106, a keyboard 107, a display unit 108, a printing unit 109, a card. It is composed of a reading unit 110, a cash processing unit 111, a timer 112 and the like. The cash processing unit 111 is composed of a cash counting unit 111a, a cash discharging unit 111b, and the like.

FIG. 4 shows an example of the hardware configuration of a host computer (hereinafter referred to as "HOST") 2 to which the present invention is applied. The HOST2 is installed in an office center, for example, and is connected to the TC3 via a line 4. Further, HOST2 is a processor 201, a memory 202,
Communication control unit 203, disk (DK) control unit 204, D
K205, input unit 206, display unit 207, terminal control unit 2
08 and a timer 209 and the like.

In the present embodiment, first, a so-called currency exchange transaction, in which cash is used as a cash voucher and cash is also used as a product to be provided, is performed by using the money exchange device 1 installed in a store of a financial institution. It will be described that the present invention is applied to the device, and then the process of selling or lending a product to a customer using cash or a cash voucher will be described. Of course, the application of the present invention is not limited to transactions, systems, and devices described below.

Further, as for a considerable part of the processing described below, the processor 101 or the like decodes and executes the program stored in the memory 102 or the like.
However, the present invention is not limited to this, and all or part of the processing executed by the processor 101 or the like is configured to be executed by a plurality of processors, or a specific wiring specially designed to perform the processing is provided. You may comprise by a circuit etc.

The outline of the present invention will be described mainly with reference to FIG. When the customer inputs transaction selection information, transaction information such as the type of product, quantity, etc. (step S1), the transaction amount that accompanies the transaction processing including the consideration of the product is calculated (step S2). That is, the transaction amount is an amount corresponding to the price of the product, for example, a fee amount or a tax amount.

Next, a predetermined calculation is performed on the transaction amount to obtain a first amount that is close to the price of the product and a second amount that is the transaction amount less the first amount. (Step S3 and step S4). As an example of the decomposition, for example, the amount itself corresponding to the price of the above-mentioned product is the first amount, and the fee amount or the tax amount is the second amount. As another example, a fraction of the transaction amount (for example, an amount less than 1,000 yen when the transaction amount is 1,000 yen or more) is set as the second amount, and the remaining amount is set as the first amount. Of course, either the first amount of money or the second amount of money may be obtained first, and as a result, the sum of the two may match the transaction amount.

Next, from the money collecting means prepared in advance, one money collecting means other than the money collecting means for collecting the vouchers is determined (step S5). Note that step S5 may be performed anywhere as long as it is before step S6. By the way, the money collecting means by receipt of cash vouchers is, for example, receipt by cash by the cash processing unit 111 or the like. Further, other money collecting means are, for example, withdrawal from a prepaid card or withdrawal from a deposit account stored in HOST2.

Then, the money corresponding to the second amount of money is collected by the money collecting means determined to be one as described above (for example, collection by deduction from the prepaid card), and the money corresponding to the first amount of money is vouchered. Collected by means of collecting money by collection (that is, collection by cash vouchers of customers)
Is collected (step S6). Then, the product to be provided is taken out and released to provide the product to the customer (step S7).

In the following, the present invention is applied to a device for performing so-called currency exchange transactions in which cash is used as a cash voucher and cash is also used as a product to be provided by utilizing the currency exchange device 1 installed in a branch office of a financial institution. Will be described as being applied. It should be noted that the currency exchange transaction can be applied not only when the currency of Japan is exchanged, but also when the currency of a different country is exchanged such as exchange of dollars to yen.

The outline of the exchange transaction of the present invention will be described mainly with reference to FIG. A customer visits a store and starts a currency exchange transaction with the currency exchange device 1 installed in the store. The customer inserts a prepaid card for payment of a fee into the money exchange device 1 and inputs the required denomination, the number of coins, and other necessary information after the exchange from the input unit 107 (step S101).

When the customer completes the input of the above-mentioned information, it is determined whether or not the fee needs to be collected (step S102). If it is determined that the fee is not required to be collected, the process proceeds to step S104. If it is determined that the fee needs to be collected, the customer is asked to confirm whether the fee may be collected (step S103). If the customer does not agree, the processing ends. When the customer approves and inputs the cash to be exchanged, the cash is counted and stored in the safe (step S
104). If it is determined in step S102 that the fee needs to be collected, the fee is collected by reducing the amount of the fee from the inserted prepaid card (step S106).

Next, according to the denomination input in step S102, the cash after exchange is taken out and counted from the safe, and the cash is discharged so that the customer can receive it (step S107). In the event that a customer cannot be provided with cash as a result of an obstacle, etc. when taking out, counting and releasing from the safe, it is possible to refund the fee by adding the amount of the fee to the prepaid card. If necessary, the process of refunding the exchange money or allowing re-transaction at a later time is performed (step S109), and a message indicating that the failure has occurred and the refund process has been performed is displayed on the display unit 108 (step S110). Subsequently, the transaction result is printed on the statement sheet by the printing unit 109 and provided to the customer (step S1.
11) and terminate the exchange transaction processing.

Next, details of the processing of the embodiment will be described mainly with reference to FIGS. 6 to 13. First, FIGS. 6 to 8 will be described. This process is a process when a customer performs a currency exchange transaction operation on the currency exchange device 1. In order for the customer to carry out the exchange transaction, the exchange apparatus 1 inputs information indicating that the exchange transaction has been selected and other necessary information (for example, re-transaction after failure) from the input unit 107 (step S201). Further, if necessary, the customer inserts a magnetic card such as a cash card or a prepaid card into an insertion slot (not shown), so that the magnetic card reading / writing unit 110 reads the contents of the inserted magnetic card (step S202). Then, the processor 101 stores the input information and the read information described above in the memory 102.

Next, the processor 101 determines whether or not the transaction is a re-transaction after a failure (step S203), and if so, the process proceeds to step S209. It should be noted that the processes after step S203 and step S209 will be described later in the section of the withdrawal process shown in FIG. 10 for easy understanding.

When it is determined that the transaction is not a re-transaction after the failure (this means that the transaction is a normal exchange transaction), the customer inputs the denomination and the number of coins desired for exchange through the input unit 107 (step S204). . Next, the processor 10
First, it is determined whether or not the fee for the exchange transaction should be collected (step S205), and if it is determined that the fee should be collected, the fee amount is calculated (step S206). If it is determined that the tax should not be collected, the process proceeds to step S301 shown in FIG. It should be noted that the fee collection necessity information is stored in the memory 102 in preparation for use in later processing (specifically, step S307 shown in FIG. 7).

Whether or not to collect the fee and the amount of the fee are determined as follows. For example, when the timer 112 indicates a holiday and the exchange amount is equal to or more than the predetermined amount preset in the memory 102, the predetermined amount preset in the memory 102 according to the exchange amount is set as the commission amount. If not, the fee is not collected. In addition, whether or not to collect the fee and the amount are collected in advance by DK10, which is searched and extracted based on a specific time zone such as after work or an account number.
It may be determined according to a predetermined standard according to the customer attribute, denomination, number of coins, etc. stored in No. 6 or the like, or may be uniformly determined regardless of the above-mentioned information. Of course, the fee collection conditions are considered to be diversified, and in order to cope with this, the necessity and amount may be determined according to the fee collection conditions, and the present invention is not limited to the above example.
If it is determined that the fee is required and the amount of the fee is calculated and the result is 0 yen, the processing may be performed as if the fee is not collected.

After the calculation of the fee amount, the message that the fee is collected and the fee amount are displayed on the display unit 108 (step S2
07) Ask the customer to judge whether the fee can be collected. When the customer looks at the displayed wording and the fee amount, and decides that he / she wants to carry out the transaction even if he / she bears the fee, he / she presses a predetermined key provided in the input unit 107 indicating that he / she has accepted (step S208). . As a result, the processor 10
1 shifts the processing to step S301 shown in FIG. On the other hand, when it is determined that the customer does not approve, a predetermined key provided on the input unit 107 indicating that is pressed (step S2).
08), the processor 101 moves the process to step S310 shown in FIG.

Before proceeding to step S310,
For example, on the basis of the fee collection condition information stored in advance in the memory 102, a cheaper fee or a time zone or a device, which is the cheapest fee, is extracted or a predetermined calculation is performed as compared with the above-mentioned fee for the transaction. Alternatively, it may be obtained and displayed on the display unit 108. This purpose is to serve as a reference when deciding the appropriate execution timing of the transaction later by the customer, because the fee burden was denied in the transaction.

The subsequent processing is the processing shown in FIG. Step S
In 301, the processor 101 prompts the customer to insert cash to be exchanged, for example, by displaying a message on the display unit 108, so that the customer puts cash (including a fee if necessary) into a cash slot not shown. Input (Step S
301), so after confirming that the cash inserted by the cash counting unit 111a is a genuine note (if it is determined to be a fake note, return it to the customer, etc.), count the cash, and display the counting result. It is displayed on the unit 108 (step S303).

When the customer sees this display and confirms that the amount of money is correct and presses the key indicating that the confirmation has been made (step S304), the processor 101 causes the processor 101 to execute step S30.
The processing shifts to 5. On the other hand, if the customer presses a key indicating that the amount is not correct, the processor 101 proceeds to step S
The cash thrown in 301 is discharged from the cash discharging unit 111b (step S309), and the memory 1 is stored if necessary.
After the information to be written set to 02 or the like is written in the magnetic card by the magnetic card reading / writing unit 110, the magnetic card is ejected and returned to the customer (step S310), and the exchange transaction processing is ended.

In step S305, the processor 101 stores the cash counted in step S302 in a cash box (not shown) or the like (step S305). If an abnormality such as a failure is detected during cash storage, the process proceeds to step S404 shown in FIG. When it is normally stored, the process proceeds to step S307 (step S306). It should be noted that even if an abnormality occurs, it is clear that the cash remains in the money changer 1 (that is, to the customer, it is in the same state as when the money was normally stored), and the subsequent processing such as cash discharge after the money change is performed. If there is a high possibility that there will be no problem in step S307, the process may proceed to step S307.

In step S307, it is determined whether or not the fee is required to be collected (stored in the memory 102 in step S205 shown in FIG. 6). If it is determined that the fee is required to be collected, the fee collection process is performed (step S
307, step 308), and step S40 shown in FIG.
Move to 1. The fee collection process is shown in FIG. 9, and detailed description will be given later.

The following is a description of FIG. Step S40
In 1, the cash corresponding to the exchange money type and the number of coins input in step S204 shown in FIG.
11a takes out from the cash storage safe not shown and counts it (step S401), and releases the above-mentioned cash so that the customer can receive it in the cash releasing part 111b (step S402). When an abnormality such as an obstacle occurs during the cash counting and discharging operation, and as a result, it is detected that the customer cannot be provided with the cash (step S403), the process proceeds to step S404.

When it is detected that the cash counting and discharging operations have been normally completed, the transaction result information such as the denomination, the number of coins, and the total amount of money is printed on the statement slip by the printing unit 109 and discharged (step S409). If necessary, the magnetic card reading / writing unit 110 writes the information to be written set in the memory 102 or the like to the magnetic card, ejects the magnetic card, and returns it to the customer (step S410). finish.

In step S404, a refund process is performed (step S404). The withdrawal process is shown in FIG. 10, and a detailed description will be given later. After the refund process, the display section 108 displays necessary information such as the occurrence of an abnormality, the location of the nearest alternative exchange device 1 and a request for re-transaction at the device (step S405), and the transaction result and If necessary, the information displayed on the display unit 108, the same wording, password (created in step S607 shown in FIG. 10), and the like are printed on the statement sheet by the printing unit 109 and discharged (step S406), memory 1 if necessary
The information to be written set to 02 or the like is written on the magnetic card by the magnetic card reading / writing unit 110, and then the magnetic card is ejected and returned to the customer (step S407). After that, the transaction selection process is terminated by making the transaction selection impossible (step S408), and the currency exchange transaction process ends.

Next, FIG. 9 will be described. This process is a detailed process of the fee collection process in step S308 shown in FIG. First, the processor 101 determines whether or not a magnetic card is inserted, and if so, determines whether or not the magnetic card is a prepaid card (step S501). As a method of this determination, for example, the information recorded in a predetermined portion in the magnetic card, that is, the type shown in FIG. 14 indicates a prepaid card, or an insertion port dedicated to the prepaid card is provided, It is determined that the card is a prepaid card because the magnetic card is inserted therein. The type shown in FIG. 14 and the type shown in FIG. 15 are provided at the same position on the magnetic stripe for the purpose of distinguishing both the prepaid card and the cash card.

When it is determined that the card is a prepaid card, the amount of money set in the card shown in FIG. 14 is compared with the fee amount calculated in step S206 shown in FIG. , It is determined whether the fee amount is less than or equal to the amount set in the card (step S511). When it is determined that the fee can be received, the fee is subtracted from the above-mentioned amount and set in the memory 102 so as to be written in the above-mentioned magnetic card in the amount portion shown in FIG. 14 (step S512), and the fee collection process is performed. To finish. If the fee cannot be received, the process proceeds to step S508 to display that the fee is insufficient.

If it is determined in step S501 that the card is not a prepaid card, it is determined whether the card is a cash card (step S502). If it is determined that the card is a cash card (the method of determination is similar to the case of the prepaid card described above. For example, the type shown in FIG. 15 indicates a cash card), and if necessary, the password and the input unit shown in FIG. After confirming the identity by confirming the agreement with the password input by the customer from 107, the financial institution code, the store number and the account number shown in FIG. 15 set in the card, and the fee calculated in step S206 shown in FIG. Assemble a message based on the forehead etc. (step S5
03), via the communication control unit 104 and TC3, HOST
2 (step S504).

In HOST2, the processor 201 receives this message via the communication control unit 203, and based on the account number set in the message, the DK 205 set in the account corresponding to the account number. The stored deposit amount and the like are compared with the commission amount set in the above-mentioned telegram, and it is determined whether or not the commission can be received, that is, whether or not the commission amount is less than or equal to the deposit amount. When it is determined that the fee can be received, the amount of the fee reduced from the above-mentioned deposit amount, etc. is stored in the DK 205 as a new deposit amount again, and the information indicating that the fee can be withdrawn is set in the message. To do. If it is determined that the fee cannot be received, the information to that effect is set in the message. Then, the aforementioned electronic message is transmitted to the exchange device 1 via the communication control unit 203 and TC3 (step S505).

When the processor 101 receives this message (step S506) and determines that the information indicating that the message has been normally processed, that is, the information indicating that the message can be deducted is set in the message, the fee collection process ends. Then, the process proceeds to step S401 shown in FIG. If it is determined that the information indicating that the withdrawal is not possible is set, it is determined that the balance of deposits or the like is insufficient and the processing is not normally performed (step S50).
7).

In step S508, a message indicating the state in the processing of the previous step, such as the fact that the balance of the deposit or the like is insufficient and the normal processing has not been performed, is displayed on the display unit 207 (step S508). Thereafter, the cash inserted in step S301 shown in FIG.
It is released in b and returned to the customer (step S509), the information set in the memory 102 is written to the magnetic card as necessary, and then the magnetic card is ejected and returned to the customer (step S510), and exchanged. End transaction processing.

When it is determined in step S502 that the card is not a cash card (step S502), the processor 101 recognizes that the fee has been paid in cash.

In the case of a currency exchange transaction, considering the nature of currency exchange, it is preferable that the input cash and the cash after exchange are equivalent. Therefore, it is preferable that the fee is collected by the above-mentioned prepaid card or cash card. However, this is not a requirement and the fee may be included in cash. The following process describes this case.

Whether the amount of cash stored in step S305 shown in FIG. 7 is equal to the amount including the commission, that is, the stored cash amount is the same as the amount of money to be exchanged input in step S204 shown in FIG. It is determined whether or not it matches the total amount of the fee amount calculated in step S206 shown in FIG. 6 (step S513). If it is determined that they match, the fee collection process is terminated, and the process proceeds to step S401 shown in FIG. If they do not match, the process moves to step S508 to display that effect. Of course, if the stored cash amount is larger, it is premised that the change (the change denomination may be designated by the customer, or the processor 101 itself may determine the minimum payment amount). As a result, the processing may be performed assuming that they match.

Next, FIG. 10 will be described. This process is a detailed process of the withdrawal process in step S404 shown in FIG. First, the processor 101 determines whether a magnetic card is inserted, and if so, determines whether the magnetic card is a cash card (step S601). The determination method is step S50 shown in FIG.
Same as in case 2. If it is a cash card, the financial institution code shown in FIG. 15 set in this card,
Store number and account number and step S204 shown in FIG.
A message is assembled based on the denomination and the number of coins entered in step S6, the fee amount calculated in step S206 shown in FIG. 6 and the amount of cash stored in step S305 shown in FIG. 7 (step S611). It transmits to HOST2 (step S612).

In HOST2, the processor 201 receives this telegram, and stores the above-mentioned information set in the telegram in the DK 205 in preparation for later re-transaction (step S613). Then, based on the account number set in the electronic message, the fee amount is added to the deposit amount or the like set in the account, so that step S505 shown in FIG.
In step S614, the amount corresponding to the collected fee is corrected.

If necessary, not only the commission amount but also the above-mentioned stored cash amount may be added to the deposit amount or the like, or conversely, this step may be omitted and the commission may not be returned.
That is, it may be configured not to correct. In addition, in step S613, information indicating whether or not the fee is corrected (this information is referred to in step S212 shown in FIG. 6) is also stored.

After that, the processor 201 assembles the processing result into a telegram (step S615) and sends it to the exchange device 1 (step S609), so that the processor 101 of the exchange device 1 receives this telegram (step S610) and the refund process. Ends, and the process proceeds to step S405 shown in FIG.

When it is determined in step S601 that the card is not a cash card, it is determined whether the card is a prepaid card (step S602). Figure 9 shows how to judge
The same applies to the case of step S501 shown in FIG. If it is determined that the card is a prepaid card, step S204 shown in FIG.
The denomination and the number of coins input in step S616 are set in the memory 102 so as to be written in the prepaid card together with the information indicating the necessity of re-transaction (step S616). Then, in the amount shown in FIG. 14 set in the card, the step S shown in FIG.
The commission amount calculated in 206 is added, and this is set as a new amount in the memory 102 so as to be written in a portion of the amount shown in FIG. 14 in the prepaid card (step S6).
17).

If necessary, not only the fee amount but also the cash amount stored in step S305 shown in FIG. 7 may be further added for writing, or conversely, this step may be omitted to save the amount. May not be added, that is, the fee may not be corrected. Note that in step S617, information indicating whether or not the fee is corrected (this information is referred to in step S212 shown in FIG. 6) is also stored. With the above, the refund process is completed, and the process proceeds to step S405 shown in FIG.

If it is determined in step S602 that the card is not a prepaid card, it is recognized that the fee has been paid in cash, and the customer is prompted to enter his / her name and other information about the customer as necessary. 1
Necessary information is input from 07 (step S603). The purpose of inputting this information is to use it in the password creation process in step S607. This step may be omitted if the password creation does not require the above information. The processor 101 sends a message based on the above-mentioned information about the customer, the denomination and the number of coins input in step S204 shown in FIG. 6, the fee amount calculated in step S206 shown in FIG. Are assembled (step S604) and transmitted to HOST2 (step S604).
605).

In HOST2, the processor 201 receives this message and stores the denomination set in the message, the number of coins, the fee amount, etc. in the DK 205 in preparation for later re-transaction by the customer (step S606). . Then, a password is created as a search key for the above-mentioned information stored in the DK 205, and the DK 205 is created in step S606.
It is stored in the DK 205 together with the information stored in (step S607), a message is assembled based on the password (step S608), and the process proceeds to step S609 to transmit this message to the exchange device 1.

It should be noted that the above stored cash amount is set to HOST2.
Instead of storing the cash in the store or in the prepaid card, the cash itself inserted by the customer may be returned to the customer by the currency exchange device 1. That is, the cash stored in the safe in step S305 shown in FIG. 7 may be taken out by the take-out section (not shown) and released by the cash releasing section 111b. However, the take-out section and the cash discharging section 111
Regarding b, if it is the same as the mechanical unit described in step S401 and step S402 shown in FIG. 8, there is a high possibility that it cannot be released because it has already become an obstacle. Therefore, it is premised that the components are not the same but different or that even if they are the same, different parts are used.

The method of creating a password in step S607 is as follows, for example. That is, step S60
Information about the customer entered in step 3, timer 209
A process such as performing a predetermined calculation is performed based on the date and time when the above-mentioned telegram displayed by is received, and other information such as all or part of pseudo-generated random numbers. Of course, it is not limited to this example.

By the way, for example, step S4 shown in FIG.
In 01, if the counting operation itself cannot be performed due to a failure of the cash counting unit 111a, all the cash to be provided cannot be discharged, so that the customer cannot obtain all the cash. On the other hand, for example, in step S402 shown in FIG. 8, when a failure occurs during the cash release, the customer may receive part of the cash and may not receive the rest. In the case of the former, processing may be performed to return the full payment, but in the case of the latter, various measures can be considered. For example, cash processing unit 1
It is also possible to calculate and collect a fee proportional to the cash amount received by the customer, which is grasped by 11, and collect the remaining amount (if necessary, the sum of the cash amount not received by the customer). However, there is no change in that it could not be provided normally, so you may make a full refund (note that
Depending on the nature of the product instead of cash, if it can be provided in part, it may be considered that all could be provided and treated normally and not refunded. It is not limited to these examples.

Here, the processing of step S203 and step S209 and subsequent steps that are suspended in the description of FIG. 6 will be described. Since the processing was canceled during the exchange transaction due to a failure, etc., the process can be performed when the customer makes another exchange transaction with the exchange device 1 different from the one in which the transaction was canceled or the same exchange device 1 after repair. is there.

In step S203, the processor 101 determines whether a magnetic card is inserted. If so, it is further determined whether the inserted magnetic card is a prepaid card. The determination method is based on the case of step S501 shown in FIG. If it is a prepaid card, it is determined whether or not retransaction is required based on the information on the necessity of retransaction shown in FIG. 14 written in this card. If re-transaction is not required, it is determined that the transaction is not re-transaction, and the process proceeds to step S204. If re-transaction is required, as described in step S616 shown in FIG. 10, the denomination and the number of coins shown in FIG. 14 are written on the card together with the information on the re-transaction required. (Step S209), the effect of re-transaction, denomination, number of coins, etc. are displayed on the display unit 108 (step S21)
0).

When the customer sees this display and confirms that it is correct, he or she presses a predetermined key, so that the processor 101 recognizes that the re-transaction and the denomination, the number of coins, etc. have been accepted as correct, and the process proceeds to step S212. . Step S2
If the customer recognizes that the content displayed in 10 is not correct, he or she presses a predetermined key, so that the processor 101 recognizes that it has not been accepted, and executes a predetermined process (not shown) such as requesting a visit to a predetermined business store. (Step S211).

In step S203, a magnetic card is inserted and it is determined that the magnetic card is a cash card (the method of determination is step S5 shown in FIG. 9).
If it is configured such that the amount corresponding to the fee and the input cash is already refunded, re-transaction is not necessary and the process may immediately proceed to step S305. If the refund is not necessarily made, for example, step S201.
If it is determined that the transaction is a re-transaction based on the information indicating that the re-transaction has been entered in, the electronic message is sent based on the re-transaction and the store number, account number, etc. shown in FIG. 15 written on the magnetic card. Assemble and send to HOST2.

The processor 201 in the HOST2 receives this electronic message, and based on the account number set in the electronic message, the DK20 in step S613 shown in FIG.
Since the denomination, the number of coins, etc. stored in 5 are taken out, a message is assembled and transmitted to the money changer 1, the processor 10
1 receives this message and takes out the denomination set in the message (step S209). Then step S2
Go to 10.

When it is determined in step S203 that the magnetic card is not inserted, for example, step S20
When it is determined that the transaction is a re-transaction based on the information indicating that the re-transaction has been input in step 1, the re-transaction and the password input in step S201 (created in step S607 shown in FIG. 10 described above). Password and the like, and assemble a message based on it and send it to HOST2. The processor 201 receives this electronic message, and based on the password set in the electronic message, step S606 shown in FIG.
At, the denominations and the like stored in the DK 205 are taken out, an electronic message is assembled and transmitted to the currency exchange device 1. Therefore, the processor 101 receives this electronic message and takes out the denominations and the like set in the electronic statement ( Step S209). Then, it transfers to step S210.

In step S212, it is determined whether the re-transaction fee has already been collected or returned in the previous transaction (step S212). If this judgment indicates that there is a fee collection based on HOST2 or information on the fee collection shown in FIG. 14 obtained from the card in the case of a cash card or a paid card, it has already been collected. If not, it is determined that it has been returned. In the case of cash, it cannot be returned, so it is determined that it has been collected.

If it is determined that the collection has already been completed, step S
In order to carry out the exchange transaction processing with the denomination and the number of coins taken out in 209, the process proceeds to step S401 shown in FIG. If it is determined that the fee has been returned, the process proceeds to step S205 to collect the fee if it is required to be collected.

Next, FIGS. 11 to 13 will be described. This processing is a modified example of the processing of FIGS. 6 to 8 described above.
The processing of FIGS. 6 to 8 is processing when a customer makes a money exchange transaction in the money changer 1, whereas this processing uses cash vouchers such as cash and tickets to sell products to the customer. It is a process of time. The device for performing this processing is an automatic vending machine or the like, and the hardware configuration thereof is the same as that of the currency exchange device 1 described above. Therefore, in the description of this process, the above-mentioned currency exchange device 1 is referred to as the product sales device 1.

The product in the present invention is not limited to a product having a fixed form, but may be a liquid such as petroleum or a gas such as gas, or may be information such as electricity, characters or images,
Any value can be set as long as a predetermined price can be set for a predetermined amount. Further, in this processing, only the prepaid card is used for simplicity of description, but the present invention is not limited to this and is stored in the HOST 2 as described in the description of FIGS. 6 to 8. Of course, it is possible to use existing deposits.

Since the customer inserts a magnetic card, which is a prepaid card, into an insertion slot (not shown), the magnetic card reading / writing section 110 causes the contents of the inserted magnetic card (for example, FIG. 1).
4) is read (step S701). Then, the processor 101 of the commodity sales apparatus 1 stores the above-mentioned input information and read information in the memory 102.

Next, the customer inputs, through the input unit 107, information regarding the desired product such as product type and quantity (step S702). As a result, the processor 1
01 calculates the price of the commodity to be traded based on the above-mentioned input information about the commodity, stores the calculation result in the memory 102 (step S703), and determines whether to collect the fee for the commodity transaction. (Step S704). When it is determined that the fee should be collected, the fee amount is calculated and stored in the memory 102 (step S70).
5). If it is determined that it should not be collected, step S708
Move to. It should be noted that the processing regarding whether or not to collect the fee and the amount of the fee is performed in steps S205 and S shown in FIG.
Similar to 206.

After the calculation of the fee amount, the message that the fee is collected and the fee amount are displayed on the display unit 108 (step S7).
06) Ask the customer to judge whether the fee can be collected. When the customer sees the displayed wording and the fee amount, and decides that he / she wants to carry out the transaction even if he / she bears the fee, he / she presses a predetermined key provided in the input unit 107 indicating that he / she has agreed (step S707). . As a result, the processor 10
1 shifts the processing to step S708. On the other hand, when the customer determines that the customer does not agree, a predetermined key provided on the input unit 107 indicating that is pressed (step S707), so that the processor 101 cancels the transaction, the process proceeds to step S818 shown in FIG. Transition.

Before proceeding to step S818,
For example, on the basis of the fee collection condition information stored in advance in the memory 102, a cheaper fee or a time zone or a device, which is the cheapest fee, is extracted or a predetermined calculation is performed as compared with the above-mentioned fee for the transaction. Alternatively, it may be obtained and displayed on the display unit 108.

Next, in step S708, it is determined whether or not the transaction is required to collect tax such as consumption tax based on the above-mentioned input information about the product and the like (step S708). If determined, the tax amount is calculated and stored in the memory 102 (step S
709). Then, step S703 and step S70
5 and the total amount of the price, the fee and the tax obtained in step S708, that is, the amount to be paid by the customer when purchasing the product in the main transaction is calculated and stored in the memory 102 (step S710).

Next, it is determined whether or not this total amount is less than or equal to a predetermined amount (step S711). The purpose of this decision is
It is easy to deduct the total amount paid by the customer from the prepaid card, and if it is a small amount, the amount in the prepaid card after deduction will not decrease significantly, so it is possible to continue using the card later. There is something you can do. The above-mentioned predetermined amount may be determined according to this purpose.
That is, a fixed value may be stored in advance in the memory 102 for all transactions, or a predetermined ratio of the amount of money may be calculated based on the amount of money in the prepaid card shown in FIG. Also, it is not limited to these.

If it is determined that the amount is not less than the predetermined amount, the process proceeds to step S801 shown in FIG. If it is determined that the amount is less than or equal to the predetermined amount, the wording indicating this fact to the customer and the above-described predetermined amount as necessary are displayed on the display unit 108 (step S712), and whether the customer can withdraw the full amount from the prepaid card. Ask for judgment. When the customer sees the displayed wording or the like and decides that he / she can withdraw the entire amount, he / she presses a predetermined key provided on the input unit 107 indicating that he / she has accepted (step S713). This allows the processor 10
1 shifts the processing to step S714. On the other hand, when the customer determines that the user does not approve, a predetermined key provided on the input unit 107 indicating that is pressed (step S713), so the processor 101 causes the processor 101 to perform step S80 shown in FIG.
The processing shifts to 1. Note that steps S712 and S7 are performed for the purpose of omitting the trouble of the customer and shortening the processing time.
The process of 13 may be omitted, and the process may immediately shift to step S714 when it is determined that the amount is equal to or less than the predetermined amount.

In step S714, the memory 10 stores the instruction and the amount to be deducted from the prepaid card.
2 (step S714). Then, the amount of money in the prepaid card is compared with the amount of money in the prepaid card to determine whether or not the amount of money in the prepaid card is the same or larger (that is, whether or not the amount can be withdrawn) (step S).
715). If it is determined that the withdrawal is possible, the process proceeds to step S814 shown in FIG. If it is determined that the withdrawal is not possible (that is, the balance is insufficient), the process proceeds to step S818 shown in FIG. 12 to suspend the transaction. It should be noted that, instead of shifting to step S818, in order to enable payment with a cash voucher, after displaying a message to the effect that the balance is insufficient on the display unit 108, in step S714, the memory 102 is displayed.
Alternatively, the card withdrawal instruction and the amount of money stored in may be deleted, and the process may proceed to step S801 or step S806. If the customer decides that he / she can withdraw the entire amount from the prepaid card, he / she will be able to withdraw the money, so that the processing of step S715 may be performed before step S712.

The following is a description of the processing of FIG. In step S801, it is determined whether there is a fraction (step S801). The purpose of this judgment is that if the customer pays the total amount to be paid with a cash voucher described later, for example, it is necessary to insert multiple vouchers, etc. If so, the amount of money in the card after withdrawal will not decrease significantly, and it is possible to continue using the card later. The above-mentioned fraction may be determined according to this purpose. That is, for example, the amount is less than 10 yen, which is a small amount, or less than 1000 yen, which requires coins, but is not limited thereto.

If it is determined that there is no fraction, step S805.
Process is transferred to. If it is determined that there is a fraction, the wording indicating this fact to the customer and the above-mentioned fraction as necessary are displayed on the display unit 108 (step S802), and it is determined whether or not the fraction can be withdrawn from the prepaid card to the customer. Ask for. When the customer sees the displayed wording or the like and decides that the fraction may be withdrawn, the input unit 1 indicating the acceptance
Press a predetermined key provided in 07 (step S80
3). This causes the processor 101 to perform step S80.
Processing shifts to 4. On the other hand, if the customer determines not to approve, a predetermined key provided on the input unit 107 indicating that is pressed (step S803).
Shifts the processing to step S805.

In step S804, an instruction to deduct from the prepaid card and the amount of money are stored in the memory 10.
2 is stored (step S804), the process proceeds to step S805. Note that the processing of steps S802 and S803 may be omitted for the purpose of omitting the trouble of the customer, shortening the processing time, etc., and immediately determining that there is a fraction, the process may proceed to step S804.

In step S805, the above-mentioned fractional amount and the amount in the prepaid card shown in FIG. 14 are compared to determine whether the amount in the prepaid card is greater or equal (that is, can be deducted? (Step S805). If it is determined that the withdrawal is possible, the process proceeds to step S806. If it is determined that the withdrawal is not possible (that is, the balance is insufficient), the process proceeds to step S818 to cancel the transaction. Note that step S8
In order to enable payment with cash vouchers instead of shifting to 18, after displaying a message to the effect that the balance is insufficient on the display unit 108, a card withdrawal instruction stored in the memory 102 in step S804. And after erasing the amount of money, step S
It may be configured to shift to 806. If the customer determines that the prepaid card can be withdrawn, the customer can always withdraw the prepaid card. Therefore, the process of step S805 may be performed before step S802.

In step S806, step S
By subtracting the fraction stored in the memory 102 in step S804 from the total amount calculated in 710,
The amount of money that the customer should pay with a cash voucher is calculated, and the memory 102
(Step S806).

Next, the processor 101 has the display unit 108.
The amount of money calculated in step S802 and the message for prompting the insertion of the cash voucher are displayed on the screen to prompt the customer to insert the cash voucher (step S807). As a result, the customer inserts the cash voucher into a cash voucher (not shown) (step S808), and after the cash voucher counting unit corresponding to the cash counting unit 111a confirms that the cash voucher has been inserted (step S8).
09), and grasp the amount of the cash voucher (step S81).
0), the amount of money is displayed on the display unit 108 (step S811). When it is determined in step S809 that the bill is a counterfeit bill, the cash bill is returned to the customer.
The process moves to step S901 shown in.

When the customer looks at the amount of money on the cash voucher displayed on the display unit 108, confirms that the amount is correct, and presses the key indicating the predetermined amount (step S812),
The processor 101 shifts the processing to step S813. On the other hand, when the customer presses a key indicating that the amount of money is not correct, the processor 101 returns the cash voucher to the customer, and the process proceeds to step S901 shown in FIG.

In step S813, the processor 101 stores the cash voucher inserted in step S810 in a safe (not shown) or the like (step S813). In step S814, the amount of money in the prepaid card shown in FIG. 14 is changed to step S714 or step S804.
The card withdrawal amount stored in the memory 102 is reduced, and the reduced value is used as the new amount of money in the prepaid card shown in FIG. 14 in the magnetic card reading / writing unit 110, which is a magnetic card that is a prepaid card. (Step S814).

Next, the merchandise corresponding to the merchandise type and quantity input in step S702 shown in FIG. 11 is taken out from the merchandise storage (not shown) by the merchandise take-out and counting section corresponding to the cash counting section 111a, and is counted. (Step S81
5) Then, the above-mentioned product is released so that the customer can receive it at the product releasing unit corresponding to the cash releasing unit 111b (step S816).

When an abnormality such as a failure is detected in any of steps S813 to S816, failure processing (not shown) is performed, and when all are normally completed, the prepaid card is ejected and returned to the customer (step S
818), the process ends.

The following is a description of the processing of FIG. The processor 101 displays, on the display unit 108, a message or the like indicating the reason for canceling the transaction such as the determination that the cash voucher is a counterfeit one (step S
901). Then, the cash voucher inserted in step S808 is discharged by the cash voucher counting unit corresponding to the cash counting unit 111a and returned to the customer (step S902). Further, the prepaid card is discharged and returned to the customer (step S90
3) End the process.

In the above-mentioned embodiments, the prepaid card and the cash card are described as magnetic cards, but the present invention is not limited to magnetic cards and may be portable media such as IC cards and optical cards. Although the prepaid card has been described as writable, it may be writable (however, instead of writing, a predetermined amount of money can be set by mechanically punching a predetermined position of the card, for example. It is assumed that the card can display that it has been collected). In this case, the refund process and the re-transaction process shown in FIG. 6 can be processed in the same way as when the cash includes a commission. Specifically, storing the denomination and the number of coins and correcting the fee in steps S616 and S616 shown in FIG. 10 may be performed by performing the processes of steps S603 to S610 instead of targeting the prepaid card. In addition, steps S209 to S2 shown in FIG. 6 which are re-transaction processing.
11 is the same as the processing when the cash includes a fee.

Further, in the above embodiment, the HOS is used for storing the denomination, the number of coins, and the like at the time of refund, and for creating the password.
Although it has been described that the operation is performed at T2, the present invention is not limited to this and may be performed by the currency exchange device 1 or TC3.

[0088]

As described above in detail, according to the present invention, the following effects can be expected. That is, a money collecting means for collecting cash vouchers and another money collecting means are prepared.
The first transaction amount is a transaction amount including the product consideration, and the predetermined operation is performed to perform a predetermined calculation. The first amount is the transaction amount and the first amount is subtracted from the transaction amount. Divide into the second amount. In addition, one monetary collection means other than the money collection means by receipt of cash vouchers is determined.
Then, the money corresponding to the second amount of money is collected by the money collecting means determined to be one as described above, and the money corresponding to the first amount of money is collected by the money collecting means by receipt of cash vouchers. Therefore, since the amount close to the product equivalent amount is collected with cash vouchers such as cash, and the remaining amount is collected from other than cash vouchers, the customer pays the amount close to the product equivalent amount with cash vouchers, and the remaining amount other than cash vouchers such as prepaid cards. It can be deducted from the ones. For this reason, the customer does not have to pay the entire transaction amount with only the cash vouchers, so it is bothersome to calculate fees such as fees and taxes added to the product consideration, and to bring various types of cash vouchers for reasons such as fractions. The pod's psychological burden is reduced.

Further, when it is determined that the transaction amount is equal to or less than the predetermined amount, the transaction amount is collected by the money collecting means determined to be one.
Therefore, if the transaction amount is less than the predetermined amount, the entire transaction amount will be collected from non-cash vouchers, so the customer will not
It is possible to withdraw from a non-cash voucher such as a full prepaid card. Therefore, when the customer purchases a small amount of goods, for example, the troublesomeness and the psychological burden of bringing various kinds of cash vouchers such as coins for small coins are reduced.

Further, a money collecting means for collecting cash vouchers and another money collecting means are prepared. Calculate the amount of fees and taxes that accrue when processing transactions. In addition, one monetary collection means other than the money collection means by receipt of cash vouchers is determined.
Then, the money corresponding to the amount of the fee is collected by the money collecting means determined to be one as described above, and the money corresponding to the amount of the product consideration is collected by the money collecting means by collecting the vouchers. Therefore, the product equivalent amount is collected with cash vouchers, for example, and the fee amount and tax amount are collected from other than cash vouchers, so the customer pays the product equivalent amount with cash vouchers, and the commission amount and tax amount are prepaid cards, etc. It is possible to withdraw money from anything other than cash vouchers. Therefore, the customer does not need to know the amount of fees and taxes or take measures such as adding to the product consideration, and it is troublesome and psychological burden to bring many types of vouchers due to fractional reasons. Is reduced.

Further, in the case of a transaction requiring a fee, when the customer inputs the fee borne / unpaid information, it is determined whether or not the fee can be borne, and if it is borne, the amount corresponding to the fee amount is set. To collect. Therefore, when the fee collection is required, the customer can select whether or not to continue the transaction processing, so that it is possible to clearly understand the fact that the customer understands the fee burden and the degree of freedom for the customer to execute the transaction is improved.

Further, it is further determined whether or not the product has been normally provided, and if it is determined that the product has not been normally provided, the information for enabling the product to be provided again is stored in a predetermined manner. Therefore, at a later time, it is possible to make a transaction again with another device based on the stored information,
Since it is not necessary to manually perform handling such as handling of fees and return of vouchers on the spot, the customer does not have to wait for the arrival of maintenance personnel and the like, and the chances of early dispatch of maintenance personnel are reduced.

Further, based on the stored information for enabling merchandise provision, it is determined whether or not the cash voucher has been received. If it is determined that the cash voucher has been received, the above information is used. Information about the received cash voucher is taken out, and the product is provided based on this information. Therefore, the transaction can be performed again based on the stored information, so that the customer can omit inserting the cash voucher again, the operation is simple, and the operation time is shortened. In addition, even if a trouble occurs in a previous transaction, the stored information can be used to make a transaction again later, so that the chance of waiting for the customer or mobilizing maintenance personnel at the time of the trouble can be reduced. .

Further, it is further determined whether or not the merchandise has been normally provided. If it is determined that the merchandise is not normally provided, the money corresponding to the received transaction amount is refunded in a predetermined manner. Therefore, it is possible to prevent the situation where the transaction amount money is collected even if the product is not provided to the customer, and the reliability of the transaction is improved, and
The customer does not have to wait for the arrival of maintenance personnel, etc., and the opportunities for early dispatch of maintenance personnel are reduced.

Further, it is further determined whether or not the merchandise has been normally provided. If it is determined that the merchandise has not been normally provided, a predetermined amount equal to or less than the transaction amount is obtained, and the money corresponding to the amount is determined in a predetermined manner. To refund. Therefore,
Despite the fact that the customer is not provided with the product, the situation where the transaction amount money is collected can be prevented and the reliability of the transaction etc. is improved, and the customer does not have to wait for the arrival of maintenance personnel etc. Opportunities for early dispatch of maintenance personnel are also reduced. In addition, even if the product is not fully provided, for example, some transaction fees, such as a part of the fee, can be collected, and financial institutions, etc. It can be set flexibly.

[Brief description of drawings]

FIG. 1 is an explanatory diagram of an embodiment of the present invention.

FIG. 2 is an example of a system configuration.

FIG. 3 is a hardware configuration diagram of a money changer.

FIG. 4 is a hardware configuration diagram of a host computer.

FIG. 5 is a flowchart of a processing outline.

FIG. 6 is a flowchart (part 1) of the exchange transaction processing.

FIG. 7 is a flowchart (part 2) of the exchange transaction processing.

FIG. 8 is a flowchart (No. 3) of the exchange transaction processing.

FIG. 9 is a flowchart of a fee collection process.

FIG. 10 is a flowchart of a refund process.

FIG. 11 is a flowchart (part 1) of the product sales process.

FIG. 12 is a flowchart (part 2) of the product sales process.

FIG. 13 is a flowchart (part 3) of the product sales process.

FIG. 14 is an example of information in a prepaid card.

FIG. 15 is an example of information in a cash card.

[Explanation of symbols]

 1 Money Changer 2 Host Computer (HOST) 101, 201 Processor 102, 202 Memory 104, 203 Communication Control Unit 106, 205 Disk (DK) 107 Input Unit 108 Display Unit 109 Printing Unit 110 Magnetic Card Reading / Writing Unit 111 Cash Processing Unit 111a cash releasing unit 111b cash counting unit 112, 209 timer

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G07F 9/00 110 Z G07D 9/00 476

Claims (13)

[Claims] 1. An automatic transaction method in which predetermined transaction processing is performed based on input transaction information, predetermined money relating to the transaction processing is collected by a money collecting means, a product is taken out, and the product is provided to a customer. , At least one other money collecting means in addition to the money collecting means for collecting the vouchers, calculate the transaction amount that accompanies the transaction processing including the consideration of the commodity, and calculate the transaction amount in advance. And the money is divided into a first amount that is closer to the price of the product and a second amount that is the transaction amount less the first amount, and the prepared money collecting means. One of the money collecting means other than the money collecting means for collecting the cash vouchers is determined, and the money corresponding to the second amount is determined by the one money collecting means. Automated transaction wherein the to collect the money collection means of money equivalent to the first amount by the cash voucher collection while yield. 2. The automatic transaction method according to claim 1, wherein it is determined whether or not the transaction amount is equal to or less than a predetermined amount, and when it is determined to be equal to or less than the predetermined amount, the transaction amount. Is collected by the money collecting means determined to be the one. 3. An automatic transaction method in which predetermined transaction processing is performed based on transaction information that has been input, predetermined money relating to the transaction processing is collected by a monetary collection means, a product is taken out, and the product is provided to a customer. In addition to the money collecting means by collecting money, at least one other money collecting means is prepared, and the amount of commission generated in connection with the transaction processing is calculated, and the money collecting means is selected from among the plurality of money collecting means. The money collecting means other than the money collecting means is determined, and the money corresponding to the commission amount is collected by the money collecting means determined to be one, and the money corresponding to the price of the product is collected in the cash voucher. An automatic transaction method characterized by collecting money by means of collecting money by collection. 4. An automatic transaction method in which predetermined transaction processing is performed based on input transaction information, predetermined money relating to the transaction processing is collected by a money collecting means, a product is taken out, and the product is provided to a customer. In addition to the money collecting means by collecting cash, at least one other money collecting means is prepared, the tax amount generated in connection with the transaction processing is calculated, and the money collecting means is selected from among the plurality of money collecting means. The money collecting means other than the money collecting means is determined, the money corresponding to the tax amount is collected by the money collecting means determined to be one, and the money corresponding to the price of the commodity is the cash voucher. An automatic transaction method characterized by collecting money by means of collecting money by collection. 5. An automatic transaction device that performs predetermined transaction processing based on input transaction information, collects predetermined money relating to the transaction processing, takes out a product, and provides the product to a customer. A monetary collecting means, at least one monetary collecting means other than the monetary collecting means for collecting the voucher, a transaction amount calculating means for calculating a transaction amount generated in the transaction processing including consideration for the commodity, and the transaction amount. And a monetary decomposition means for performing a predetermined calculation to divide the monetary amount into a first monetary amount that is closer to the price of the product and a second monetary amount that is the transaction amount minus the first monetary amount. Determining means for determining one of the money collecting means from among at least one money collecting means other than the money collecting means for collecting the cash vouchers, and the determining means. The money collecting means collects money corresponding to the second amount of money, and the money collecting means by receipt of the cash voucher collects money corresponding to the first amount of money. Trading equipment. 6. The automatic transaction apparatus according to claim 5, further comprising a determination unit that determines whether or not the transaction amount is equal to or less than a predetermined amount, and is equal to or less than an amount determined in advance by the determination unit. The automatic transaction apparatus, wherein if determined, the money collecting means determined to be one collects the transaction amount. 7. An automatic transaction device that performs a predetermined transaction process based on input transaction information, collects a predetermined money related to the transaction process, takes out a product, and provides the product to a customer. A monetary collecting means, at least one monetary collecting means other than the monetary collecting means by the cash voucher collection, a charge amount calculating means for calculating a commission amount generated in association with the transaction processing, and a monetary collecting means other than the cash collecting means by the cash voucher collection. And a determining means for determining one of the money collecting means from at least one money collecting means, wherein the money collecting means determined by the determining means collects money corresponding to the fee amount, An automatic transaction device, wherein the money collecting means for collecting cash vouchers collects money corresponding to the price of the product. 8. An automatic transaction device that performs predetermined transaction processing based on input transaction information, collects predetermined money relating to the transaction processing, takes out a product, and provides the product to a customer. A monetary collecting means, at least one monetary collecting means other than the monetary collecting means by the cash voucher collection, a tax amount calculating means for calculating a tax amount generated by the transaction processing, and a monetary collecting means other than the cash collecting means by the cash voucher collection. And a determining means for determining one of the money collecting means from at least one money collecting means, wherein the money collecting means determined by the determining means collects money corresponding to the tax amount, An automatic transaction device, wherein the money collecting means for collecting cash vouchers collects money corresponding to the price of the product. 9. Based on the fee burden availability information input means for inputting fee burden availability information, and the fee burden availability information inputted by the fee burden availability information input means, it is determined whether the fee is available or not. When the fee burden determination means and the fee burden determination means determine that the fee can be paid, the money collecting means determined by the determining means collects money corresponding to the fee amount. The automatic transaction device according to claim 7, wherein: 10. When providing the product to a customer, the product providing state determining means for determining whether or not the product providing has been normally performed, and the product providing state determining means for not providing the product normally. The automatic transaction apparatus according to claim 5, further comprising: a storage unit that stores the information for enabling the merchandise provision again in a predetermined manner when the determination is made. 11. A cash voucher based on the cash voucher receipt uncompleted information fetching means for fetching the information stored in the storage means according to claim 10 and the information fetched by the cash voucher receipt unsettled information fetching means. The cash voucher receipt unfinished determination means for determining whether or not the bill has been received, and the cash voucher receipt completed if determined by the cash voucher receipt unfinished determination means, stored by the storage means according to claim 10. Further comprising: a received money voucher information extracting means for extracting information about the received money voucher based on the existing information, and providing the product based on the information about the received money voucher taken out by the received money voucher information extracting means. The automatic transaction apparatus according to claim 5, wherein: 12. When providing the product to a customer, the product providing state determining means for determining whether or not the product providing has been normally performed, and the product providing state determining means for not providing the product normally. The automatic transaction apparatus according to claim 5, further comprising: a withdrawal means for withdrawing money that matches the transaction amount in a predetermined manner when the determination is made. 13. When providing the product to a customer, the product providing state determining means for determining whether the product providing has been normally performed, and the product providing state determining means for not providing the product normally. 6. The automatic transaction apparatus according to claim 5, further comprising: a withdrawing unit that obtains a predetermined amount of money equal to or less than the transaction amount and refunds money corresponding to the amount of money in a predetermined manner when determined.