JPS60179894A - Transaction operator - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

Detailed Description of the Invention (a) Technical Field of the Invention The present invention relates to a transaction operation device such as a cash handling device that is operated by a user to carry out a transaction, and in particular, it is possible to specify the payout denomination and number of coins. It is related to a transaction operation device that can be used.

(b) Technical background In recent years, cash dispensers (CDs), which are transaction operation devices, have been used at financial institution counters as part of computer banking systems.
and automated teller machine (Automatic T)
e1l-er Machine: hereinafter referred to as ATM)
etc. are widely used. These devices are usually operated using a credit card (hereinafter referred to as a card) or a bankbook to perform transactions such as cash withdrawals and deposits.

Due to its convenience, its usage is increasing, and the number of installed machines is also increasing.However, devices that handle not only banknotes but also coins are being tried, and the combination of denomination and number of coins required for dispensing is increasing. Due to diversification, it is desired to develop a device that can handle this diversification.

(C) Prior Art and Problems The conventional method will be described below with reference to FIGS. 1 to 4, taking A'TM as an example. FIG. 1 is a perspective view illustrating an ATM to which the present invention is applied, FIG. 2 is a sectional view taken along line A-A in FIG. 1, and FIG. 3 is a portion taken along line B-B in FIG. 1. FIG. 4, which is a broken sectional view, is an explanatory diagram of the conventional method.

As shown in FIG. 1, an ATM is provided with a card insertion slot 1 and a passbook insertion slot 2 arranged side by side at the upper front of the device, and a banknote insertion slot 6 and a cash dispensing slot 3 on the left side of the panel below.
On the right side, there is a keyboard 4 for specifying transactions such as deposits, inputting a PIN number, and the transaction amount, and a display 5 for displaying and guiding the customer regarding operation details.

Inside the device, as shown in Figure 2, behind the bankbook insertion slot 2, on the right side in the figure, is a read/write section 13a that reads and writes the magnetic stripe of the bankbook 11, and a read/write unit 13a that prints transaction details on the bankbook 11 and journal paper 2o. A printing section 14 is provided.

The central part of the device displays the authenticity and denomination (for example, 1000 yen, 5000 yen, 10000 yen) of the inserted banknote 1o.
There is a discrimination section 21 that separates the banknotes 1o, and below the discrimination section 21 there is an alignment pool section 22 that partially pools the banknotes 1o. A discrimination section 23 for distinguishing species is arranged.

Below the device is a storage box 2 in which banknotes 1o are stored by denomination.
Reject box 2 that is stored when there is a feeding failure such as double feeding of banknotes 4a to 24c and banknotes 1o.
5 is provided.

A mechanism for storing and feeding out banknotes 10 is provided at the upper part of the storage boxes 24a to 24c.

In addition, as shown in FIG.
A read/write section 13b for reading and writing the magnetic stripe of the card 17 and a printing section 15 for printing transaction details on a receipt are provided on the right side of the figure.

Since it has such a configuration, an example of using this device will be described for deposits and withdrawals. First, when a customer wants to make a deposit, he/she indicates his/her intention by pressing the deposit button on the keyboard 4, and then follows the operation guidance displayed on the display 5. When the passbook 11 is inserted into the passbook insertion slot 2, the data on the magnetic stripe on the back of the passbook is read by the read/write unit 13a, and the banknote 10 is inserted into the banknote slot 6 after the account number is confirmed.

The apparatus discriminates the authenticity of banknotes 10 in a discrimination section 21, returns abnormal banknotes to the cash dispensing port 3 along route A-C shown by the dotted line in the figure, and sends genuine banknotes 10 to the pool section 22 along route D. The coins are pooled with the front and back sides aligned, and the amount is counted and displayed on the display 5.

When the customer confirms that the amount matches the deposited amount and presses the confirmation button on the keyboard 4, the deposit amount is printed on the passbook 11, and the transaction details are printed on the journal paper 20, which is then wound into the device. , the banknote 11 is returned from the bankbook insertion slot 2, and the transaction is completed. Then, the banknotes 10 are fed out from the feeding part 22a of the sorting pool part 22, and the banknotes 10 are fed out through the routes E, F, B,
G and H are discriminated again by the discrimination section 23 and placed in the storage box 24.
They are stored by denomination in a to 24c.

If there is an error such as a double feed in the feeding by the feeding section 22a, the banknote 1o is stored in the reject box 25 through the route .

Furthermore, when the customer presses the deposit cancellation button, the dispensed banknotes 10 pass through routes E, F, B, and C to the cash dispensing port 3.
will be returned to.

When making a deposit using the card 17 without using the passbook 11, a receipt is issued.

When paying out cash, press the payout button, insert the card 17 into the card slot 1, insert the passbook 11 into the passbook slot 2, enter the PIN number and the payout amount, and then press the payout button. As shown in the figure, when the amount confirmation button is pressed, the banknotes 10 are fed out by the feeding mechanisms above the storage boxes 24a and 24b, and the banknotes 10 are fed out to routes J and F.

After passing through B and C, banknotes 10 are dispensed from the cash dispensing port 3.

During this time, the card 17 is read and confirmed by the read/write unit 13b, the transaction details are printed on the bankbook 11 and the journal paper 20, the journal paper 20° is wound up in the device, and the bankbook 11 is inserted into the bankbook insertion slot 2. will be returned.

When the bankbook 11 is not inserted and the payment is made only with the card 17, a receipt is issued.

In the Rikiyuru ATM, the method for inputting the payout amount is to operate the number button 4a and the amount unit button 4b according to the number of digits, and it varies depending on the model, but for example, 123,000.
For yen, press the button as follows: 123,000 yen 123,000 yen 123,000 yen 123,000 yen.

However, according to this method, it may take time to input a fixed amount.

■Elderly people and people who are unfamiliar with the device may be confused.

■It is difficult for people with physical disabilities to input and operate the many buttons.

There is a drawback.

Also, the payout method for the specified amount is, for example, 32
When paying out 000 yen, ■ 1 of the 100000000 yen ticket amount of the payout amount.
An automatic currency exchange method that pays out only oooo yen worth in 1000 yen notes. That is, 10,000 yen x 2 + 1,000 yen x 10 + 100
Let it be 0 yen x 2.

■If you do not specifically specify exchange, you can pay out 3 pieces of 1oooo Cx, and by selecting and instructing the exchange instruction button, you can make the same payout as in ■.

■A method in which the customer calculates and specifies the number of coins of each desired denomination within the payout amount.

etc. are being carried out.

Therefore, there is simply no easy way to meet customer wishes (
Furthermore, since requests for withdrawals in multiple denominations cannot be accommodated, the customer has to use the exchange machine to make the desired exchange again, which is inconvenient.

Moreover, ATMs currently handle only 10 denominations of banknotes, but devices that can also handle coins are being attempted, and if put into practical use, they will be able to handle many more denominations. Therefore, the number of combinations of payout amount denominations and number of coins increases, and customers' requests for payout types at the time of payout also become more diverse.

(d) Purpose of the Invention The purpose of the present invention is to solve the above-mentioned drawbacks, and is to provide a transaction operation device that allows a combination of denomination and number of coins to be selected and specified in payout.

(e1 Structure of the Invention The present invention comprises a cash storage unit that stores cash of each denomination, a count recording unit that records the number of cash stored in the cash storage unit, and a payout of a designated amount based on the count of the count recording unit. a calculation means for calculating possible combinations of denominations and number of coins; a display section for displaying payoutable denominations and number of coins calculated by the calculation means; A plurality of operation input means are provided and operated by the user, and when the operation input means are operated, the denomination and number of coins displayed on the display section corresponding to the operation input means are processed as transaction amount data. This is a transaction operation device characterized by comprising means for extracting transaction amount data, and means for executing a transaction based on the extracted transaction amount data, thereby achieving the object.

(f) Embodiment of the Invention An embodiment of the invention will be described below with reference to FIGS. 5 to 7. FIG. 5 is a block diagram showing an embodiment according to the present invention, FIG. 6M is a flowchart of FIG. 5, and FIG. 7 is an explanatory diagram showing a display example of FIG. 5. The same reference numerals indicate the same objects throughout the figures.

In FIG. 5, 26 is a computer center, 27 is a line control unit, 27a is a line buffer, 28 is a main control unit, 2
9 is an encoder, 30 is a phase input control section, 31 is a password input buffer, 32 is a changeover switch, 33 is a transaction mode storage register, 34 is a denomination combination calculation section, 35 is a denomination combination table section, 36 is an amount input cover sofa , 37 is a cash counter control unit, 38 is a banknote storage status register, 3
9 is a printer control section, 40 is a keyboard, 49 is a screen control section, 50 is a screen buffer, 51 is a character generator, 52 is a screen data file section, and 53 is a printer control section.

The line control unit 27 controls data transmission and reception with the computer center 26.

The encoder 29 converts a signal from hardware so that it can be read by software, and is an IC circuit that converts a single numeric character or the like inputted as a bit into a bit code.

The phase input control section 30 has the function of controlling the changeover switch 32 that switches between the transaction mode storage register 33 and the denomination combination table section 34 according to the phase input, and also sends data to the amount person cover/nofa 36.

When the changeover switch 32 is input using the normal mode button such as payout, deposit 1 passbook entry, etc., the changeover switch 32 transfers the information to the transaction storage register 33.
When an input is made using the function key 48, the mode is switched to the denomination combination table section 34, and the denomination designation mode is selected, that is, the payout is performed by selecting and specifying the payout denomination and number of coins on the screen display of the denomination combination table.

The transaction mode storage register 33 stores transaction modes such as deposit, payout, and bankbook entry, and has a function of activating the designated mode of the main control unit 28 when a mode is designated.

Based on the data sent from the banknote storage status register 39, the denomination combination calculation unit 34 converts the payout amount input by the customer and the desired denomination 3, for example, the payout amount of 42,000 yen to 1,000 yen.
In response to a request for 0 yen, 5,000 yen, or 1,000 yen notes, it has a function that calculates combinations of denominations and number of coins that can be paid out under these conditions and sequentially sends them to the denomination combination table section 35. There is. In other words, in this amount example, ☆10,000 yen ticket X 16 + 5,000 yen ticket X 6 +1
000 yen ticket x 210,000 yen ticket x 1 + 5000 yen ticket x 6 + 1000 yen ticket x 7 * 1oooo yen ticket x 1
+5,000 yen ticket x 6 +1,000 yen ticket x 12 * 1
0,000 yen ticket X 1 + 5,000 yen ticket X 6 +100
0 yen ticket x 17 * 10,000 yen ticket x 1 + 5,000 yen ticket x 6 + 1,000 yen ticket x 22 * 10,000 yen ticket
1 + 5000 yen ticket x 6 + 1000 yen ticket x 271
0,000 yen ticket x 2 + 5,000 yen ticket x 6 +1oo
o yen ticket x 7 * 10,000 yen ticket x 1 + 5,000 yen ticket x 6 + 1,000 yen ticket x 12 * 10,000 yen ticket
1 + 5000 yen ticket x 6 + 1000 yen ticket x 17☆1
0000 yen ticket X 3 +5000 yen ticket X 6 +100
0 yen ticket x 2ioooo yen ticket x 3 +5000 yen ticket x
There are combinations such as 6 + 1000 yen note x 7, but if there are too many combinations, it will be difficult to choose, so to make it easier to choose, for example, for 1000 yen notes, add 10 pieces to the fraction. Combinations are calculated. If 100
If you specify that you want a 00 yen ticket or a 5000 yen ticket,
For 1,000 yen notes, the combinations marked with ☆ are calculated.

When there is a shortage of available denominations, combinations calculated within the possible combinations of the denominations are set. If the count data of the banknote accommodation state register 39 changes due to deposit or replenishment of banknotes, it goes without saying that the number of banknotes of that denomination is used in the combination.

In the denomination specification mode, the denomination combination table section 35 files the combination data of payable denominations and number of coins calculated by the denomination combination calculation section 34, and then converts the filed denomination combination data into the amount. It has a function of sending it to the cover sofa 36.

The amount input buffer 36 has a function of temporarily holding input amount data or amount data sent from the denomination combination table section 35 and sending it to the main control section 28 .

The cash counter control unit 37 controls the storage boxes 24a to 2.
A cash counter 3 that drives the banknote feeding mechanism 4c and counts the number of stored banknotes 10 of each denomination.
7a, and has a function of sending data from the cash counter 37a to the banknote storage status register 38.

The banknote accommodation state register 38 is the cash counter 37
It has a function of holding the count data of banknotes 10 for each denomination counted in a and sending it to the denomination combination calculation section 34.

With such a configuration and function, in the case of normal payout, when the PIN stored in the PIN cover sofa 31 is verified by the customer's operation of the payout button, card input, and PIN input operation, the switch is activated. The switch 32 is placed in the normal mode, and the payout mode of the transaction mode storage register 33 is designated.

When the payout mode signal is sent to the main control unit 28, the screen control unit 49 pulls out the screen data according to the corresponding screen number from the screen data file unit 52, and stores it in the screen buffer 50.
Characters are extracted from the character file of the character generator 51 and operation guidance is displayed on the display 5.

When the customer inputs the amount, the amount data is sent to the button human control unit 30.
The amount is sent to the main control unit 28 via the human power buffer 36, and then the screen control unit 49 draws out the character generator 510 character file in the screen buffer 50.
The amount is displayed on the display 5.

When the customer presses the confirmation button, the main control section 28 sends the transaction data in the line buffer 27a to the computer center 26 via the line control section 27.

Through communication with the computer center 26, the password in the password input buffer 31 is verified against the registered password and transaction processing is performed.

When the line control unit 27 receives a transaction completion message from the computer center 26, the main control unit 28 instructs the cash counter control unit 38 to open the storage boxes 24a to 24.
A designated amount of banknotes 10 is dispensed from c and dispensed to a cash dispensing port 3.

At the same time, the printer controller 39 is instructed to print the bankbook 11 or the receipt and journal.

Then, when the cash is paid out together with the receipt and the card 17 and passbook 11 are returned, the amount displayed on the display 5 disappears and the transaction is completed.

When making a payout in the denomination designation mode, the customer first presses the function key 48 for designating the denomination designation mode, as shown in the flowchart of FIG. Then, by inputting the card and inputting the password, the password held in the password entry cover sofa 31 is verified. Once the verification is complete, the denomination will be displayed on the display 5 and you will be prompted to specify the desired denomination, so press the function key 41 next to the displayed denomination.
46 to specify the desired denomination.

Next, an operation guide will be displayed prompting you to input the amount.

When the payout amount is input, the changeover switch 32 is switched to the denomination combination table section 35, the input data is sent from the amount input cover sofa 36 to the main control section 28, and the data in the banknote accommodation state register 38 is transferred to the denomination combination calculation section. 3
All payout possible denomination combinations calculated in step 4 are filed in the denomination combination table section 35.

The denomination combination file output from the denomination combination table section 35 is sent to the amount manual buffer 37 and further sent to the main control section 28.

The denomination combination data sent from the main control section 28 is used by the screen control section 49 to draw out the character file of the character generator 51 in the screen buffer 50, and as shown in FIG. The combination is displayed on the display 5.

The customer selects a desired combination of denominations from among these and presses any one of the function keys 41 to 46 located horizontally to that combination. Then, through communication with the computer center 26, the PIN number of the PIN cover sofa 31 is verified against the registered PIN and transaction processing is performed. Then, only the specified denomination combination is displayed, and the other denomination combinations disappear.

Then, the main control section 28 instructs the cash counter control section 38 to dispense the designated denomination and number of banknotes 10 from the storage boxes 24a to 24c, and dispense them to the cash dispensing port 3.

At the same time, the printer controller 39 is instructed to print the receipt 111i11 or the receipt and journal.

When the cash is paid out along with the receipt and the card 17 and passbook 11 are returned, the display 5 disappears and the transaction ends.

In this way, a desired combination of payout denomination and number of coins can be selected and specified on the screen with a simple operation.

In addition, when the banknotes 10 of any denomination stored in the storage boxes 24a to 24c are exhausted, the denomination and number of banknotes that can be paid out without using the exhausted banknotes 10 can be changed immediately without stopping the operation of the device. You can display the information and continue operation.

Furthermore, since the denomination combination for the denomination combination mode is displayed using the display 5 that provides operation guidance, there is also the advantage that there is no need to newly add special keys other than the numeric keypad.

In the above example, we explained how to first display all combination data of the customer's desired denomination on the display 5 and select and specify the data, but as a different procedure, first enter the amount and then select the desired denomination and number of coins. Another possible method is to perform manual calculations for each type, perform internal calculations for each type, display the denomination, number of coins, and balance on the display 5, and specify the remaining balance by sequentially inputting the desired denomination and number of coins. . In this case, the customer's denomination selection can be made easier.

Further, on the upper side, although not shown, a means for calculating the amount operated in the denomination combination mode is provided on the input side of the amount input cover sofa 36, so that when multiple amounts are input, they are added up and transacted. It may also be used as amount data.

Furthermore, although the embodiments have been described in the case of an ATM, the present invention can be similarly applied to the case of an automatic teller machine.

(g) As described in detail, according to the present invention, (1) Even if the number of denominations increases, the denomination and number of denominations can be easily specified.

■Since there is a possibility that payments may be made in various combinations of denominations, it is possible to level out the denomination withdrawals and reduce the number of denominations being depleted.
Further, even when the denomination runs out due to dispensing according to the state of cash storage in the banknote storage section, operation can be performed immediately without stopping the device. Therefore, the service can be improved.

■It can be easily operated by elderly people or people who are not familiar with the device without being confused or burdened by operating many buttons.

There is an effect.

[Brief explanation of drawings]

FIG. 1 is a perspective view illustrating an ATV to which the present invention is applied;
Figure 2 is a cross-sectional view taken along line A-A in Figure 1, and Figure 3 is a cross-sectional view of Figure 1.
4 is an explanatory diagram of the conventional method, FIG. 5 is a block diagram showing an embodiment of the present invention, and FIG. 6 is a flowchart of FIG. 5. ,
FIG. 7 is an explanatory diagram showing a display example of FIG. 5. In the figure, 4.40 is a keyboard, 5 is a display, 10 is a banknote, 28 is a main control unit, 29 is an encoder, 3
0 is a phase input control section, 31 is a cover sofa with a password, 32 is a changeover switch, 33 is a transaction mode storage register, 34 is a denomination combination calculation section, 35 is a denomination combination table section, 36
37 is a cash counter control unit, 38 is a banknote storage status register, 39 is a printer control unit, 40 is a keyboard, 41 to 48 are function keys, 49 is a screen control unit, 50 is a screen buffer, 51 is a character Generator 52 indicates a screen data file section. 2nd prisoner 3 ears 4n ■■■■■■■■■■ 4,” D○■ @ ■ Broom 5 @I. 6 pieces of grass

Claims (1)

[Claims] A transaction operation device that performs a cash payment transaction corresponding to the denomination and number of coins of the transaction amount designated by the user, comprising a cash storage section for storing cash of each denomination and the number of cash coins stored in the cash storage section. a calculation means for calculating a combination of denominations and number of coins that can be paid out for a designated amount based on the counts of the calculation recording section; a display section that displays the number of coins, an operation input means that selects one of the combinations of each denomination and number of coins displayed on the display section, and an operation input means that corresponds to the operation input means when the operation input means is operated. means for extracting the denomination and number of coins displayed on the display section as transaction amount data;
A transaction operation device comprising means for executing a payment transaction based on the extracted transaction amount data.