JPS6148093A - Exchanger - 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] Industrial Application Field This invention relates to a currency exchange device capable of exchanging banknotes, etc., and particularly to a currency exchange device capable of withdrawing deposits and savings using a card and exchanging currency. Regarding.

BACKGROUND OF THE INVENTION As is well known, money exchange machines have been installed in financial institution stores in order to save labor at counter operations.

Conventional money exchange machines only have the function of exchanging money, so there are fewer users, and the operating rate is lower than that of ATVs (automatic teller machines) and CDs (cash payments). Since the idle time is longer than the usage time, the money exchange device has little effect in terms of labor saving.

Problems that the invention aims to solveIn stores with limited space, ATMs and C
It is not possible to increase the number of D units. Furthermore, even if there is space for installation, it may not be possible to increase the number of devices due to economic reasons. Furthermore, even if the above-mentioned problems could be solved by attaching an online processing device to the currency exchange device and making it possible to withdraw deposits and savings using a cash card, etc., it would require installation space, and If an attempt was made to secure installation space within the device cabinet, there was a problem in that the money exchange device itself would become larger.

Means for Solving the Problems The present invention provides a first online processing device that is connected to a financial gateway via a line and that can be freely connected to an online processing device that processes deposits and savings using a card on which at least account number information is recorded. a connecting means, a second connecting means connectable to a journal issuing device for recording currency exchange processing, a bill insertion means for inputting banknotes to be exchanged, and a setting program for setting the type of money to be withdrawn or exchanged. The online processing device and the journal publishing device are unitized, and either one can be selectively attached to the first connection device. When the online processing device is connected, deposits and savings can be paid using the card with the denomination set by the setting means, and when the journal issuing device is connected to the second connection means, banknotes can be paid using the card. Only currency exchange based on banknotes inserted from the input means is performed.

The online processing device described above includes a means for reading account number information recorded on the card, a means for inputting a withdrawal amount,
The account number information read by the reading means and the withdrawal type information input from the input Heisei are leaked to the bank [Q Seki].
The above-mentioned money exchange device further comprises means for activating the above-mentioned release means in response to the transmission of information from the financial institution indicating that withdrawal is possible. Further, the online processing device described above further includes a cash key for specifying a currency exchange process, and when the cash key is inputted, the currency exchange device only exchanges the banknotes inserted from the banknote input means (above). You can also use it as Further, the above-mentioned journal issuing device includes journal issuing means for recording currency exchange processing.

Operation When the online processing device is connected to the first connection means, the reading means reads account number information recorded on the card. The withdrawal amount is input from the withdrawal amount input means,
The type of money to be withdrawn is set by the setting means. The transmission means transmits the account number information and withdrawal amount information to the financial institution. If information indicating that withdrawal is possible is transmitted from a financial institution, in response, the denomination releasing means releases the denomination set by the setting means. When the journal issuing device is connected to the second connection means, when the banknotes to be exchanged are inputted from the banknote inputting means and the type of money to be exchanged is set from the setting means, in response, the banknotes are exchanged. The means for releasing the seed releases the denomination set by the setting means. The journal issuing means issues a journal to record the exchange process.

When the above-mentioned online processing device is provided with a cash key that specifies currency exchange, the currency exchange device only exchanges the inserted banknotes, as in the case where the journal issuing device described in 1) is attached.

Embodiment FIG. 3 shows a currency exchange device 1 equipped with an online processing device.
A perspective view of the exterior is shown. As shown in FIG. 3, the online processing device 3 is unitized, and has a currency exchanger
It is provided at the top of a. The online processing device 3 is connected to the main computer of a financial institution such as a bank via a connector of the currency exchange device 1a, and processes deposit withdrawals using a cash card or the like. When the online processing device 3 is installed, the currency exchange device 1a can specify the denomination of the withdrawal amount when withdrawing deposits by card, and can also exchange the deposited cash.

The operation surface 2a provided horizontally at the front of the money exchange device 1a includes a cylindrical coin receiving lower for the customer to receive the cylindrical coins each exchanged coin is shaped like a cylinder, and a cylindrical coin receiving lower for the customer to receive the cylindrical coins each exchanged coin is cylindrical. When the paper input/receipt slot 8 for inserting banknotes or receiving exchanged banknotes and the banknote input/receipt slot 8 are opened,
A bill flicker 9 is provided to call attention to the facial appearance. Also, it is located at the top of the operation surface 2a, and is almost the same as the operation surface 2a! [! On the directly provided operation surface 2b, there are 32 online processing equipment customer service sections 3a. As will be explained in detail later with reference to FIG. 5, the online processing device customer service section 3a includes a card insertion section for inserting a card, a numeric keypad for setting the amount to be withdrawn, and a function for determining whether to withdraw by card or exchange cash. It includes a settings section that the customer selects and sets.

Furthermore, on the operation surface 2b, when exchange is possible, a handling display 4 that displays "Currently handling", the amount of money inserted from the bill slot 8, and an online processing device customer service i% IX3
An amount display/setting section 5 for displaying the amount input from a and setting the exchange denomination of the displayed amount, and a coin receiving slot 6 for receiving exchanged coins are provided. In addition, the exchange device f11 is located at the bottom of the operation surface 2a, and
A customer detector 1o is provided on the panel 2C, which is the front panel of a, for detecting a customer when a customer using the money exchanger 1a stands in front of the money exchanger.

FIG. 4 shows an external perspective view of the currency exchange device 1b to which a journal issuing device is attached instead of the online processing device. As shown in FIG. 4, the journal issuing device 11 is unitized and installed in the space where the online processing device of FIG. 3 is installed, and is connected to the connector of the currency exchange device 1b. When the journal issuing device 11 is attached, the currency exchange device 1b is not connected to the main computer of the financial institution, and only exchanges banknotes etc. inserted by the customer. The journal issuance hall is for recording currency exchange processing, and there is no need to issue slips to customers, so the installation opening of the online processing 1ffi customer service department 3a on the operation screen 2b in Figure 3 is covered with a board. It has a similar structure. Other parts of operation surface 2b and operation 1ff
i2a and panel 2C are provided with equipment similar to that shown in FIG. 3.

FIG. 5 shows the online 511 physical equipment customer service department 3a of FIG. The customer service section 3a of the online processing device is provided with a guide display section 31 that displays a flicker to prompt the customer's operation. The guide display section 31 includes a card flicker 311 to prompt the user to insert the card, a PIN flicker 312 to prompt the user to input the PIN number, an amount flicker 313 to prompt the user to input the withdrawal amount, and a button for either withdrawal or exchange. A settings flicker 314 is included to prompt settings to be selected. In addition, the online processing device customer service section 3a includes a cardholder exit 321 where the customer inserts the card in response to the blinking of the card flicker 311, a numeric keypad 331 for inputting the PIN number and withdrawal amount, and a numeric keypad 331 for inputting the PIN number and withdrawal amount. Slip release port 341 for issuing slips
will be provided. Furthermore, online processing equipment customer service department 3a
A cash key 332 is used to set cash exchange when the customer desires to exchange cash in accordance with the flashing of the setting flicker 314, a card key 333 is used to set withdrawal by card when the customer desires withdrawal by card, and online processing is activated. An indicator lamp 37 is provided that lights up while the process is being performed.

FIG. 6 shows a schematic block diagram of the online processing device 3.

Online processing device control unit 30 of online processing device 3
is connected to the money exchange device control section 12 by a bus. The online 98 management device control unit 30 includes a key input/guidance display m control unit 301 and a card reader/slip issuing machine control unit 30.
A transmitting/receiving unit 303 for transmitting and receiving transaction processing information between the main computer of the financial institution and the main computer of the financial institution is connected. The key input/guidance display control unit 301 includes the numeric keypad 3 shown in FIG.
31, a key input section 33 including a cash key 332 and a card key 333, and a guide display section 31 including each flicker are connected. In addition, the card reader/slip issuing machine control unit 3
02 is a card reader 32 including a card exit 321 shown in FIG. 5 and a slip issuing machine 3 including a slip issuing port 341 shown in FIG.
4 is connected.

FIG. 7 shows a schematic block diagram of the exchange devices 18 and 1b. The amount display/setting section 5 and the customer detector 101 shown in FIGS. 3 and 4 are connected to the money exchange device control section 12. One of the online 98 management device 3 shown in FIG. 3 and the journal issuing device 11 shown in FIG. 4 is selected and installed as necessary, and connected to the exchange device control section 12. In addition, the exchange device control unit 12 includes a cylindrical coin discharge hall 131 for discharging exchanged B coins, a bill depositing and dispensing machine 14 for depositing bills to be exchanged and withdrawing exchanged bills, and a bill depositing and dispensing machine 14 for depositing exchanged bills. The loose coin release for release is 16, l by voice.
A voice guidance unit 15 that provides guidance to RI customers and a banknote validator 17 that determines the type of banknotes inserted are connected.

FIG. 1 is a flowchart for explaining the operation of the money exchange device 1a of FIG. 3 to which the online processing device 3 is attached.

FIG. 2 is a flowchart for explaining the operation of the currency exchange device 1b of FIG. 4 to which the journal issuing device 11 is attached.

Hereinafter, the operation of the money exchange device according to an embodiment of the present invention will be explained with reference to FIGS. 1 to 7.

However, in the following explanation, the steps may overlap between FIG. 1 and FIG. 2, but this is to avoid redundant explanation of parts that perform the same operation, and the steps used for each money exchange device 1a and 1b are The program to be created is a series of steps described below. Further, each program is replaced when the online device 3 or journal issuing device 11 attached to the money exchange device is replaced with each other.

First, both U
The operation of the device 1a will be explained. The money exchange device 1a waits until the customer detector 10 detects a customer (step S
1). When a customer is detected, the process proceeds to step S2, and the online processing device control unit 30 of FIG. 6 turns off the setting flicker 314 of FIG. 5. The customer presses the card key 333 when withdrawing money using a card, and presses the cash key 332 when exchanging banknotes brought with him or the like. When any key is pressed, the setting flicker 314 turns off. The operation when the cash key 332 is pressed will be explained later. If the card key 333 is pressed, the process then proceeds to step S4, where the card flicker 311 blinks. The customer inserts, for example, a cash card into the card entrance 321 in FIG. 5 (step 8).
5), the card flicker 311 turns off accordingly (step 36). The online processing device control unit 30 in FIG. 6 determines whether the card is valid (step S7), and if it is an invalid card, returns the card (step 516) and returns to step S1. If the card is valid, then the online processing 11R device control unit 30 causes the password flicker 312 to blink (step S8). The customer inputs the password using the numeric keypad 331 shown in FIG. 5 (step 89). When the PIN code is entered, the PIN code light turns off.

D read from the card by the online processing device control unit 30
Compare the O-certificate number key with the entered rfd-certificate number (step 510), and if they do not match, return the card (step 816), and return to step S1, but if they match, the online processing device control unit 30 will amount flicker 31
3 blinks (step 511). When the customer inputs the withdrawal amount of the deposit using the numeric keypad 331 (step 312
), the amount flicker 313 turns off (step 513).
. Subsequently, the online device control section 30
For example, call the bank's main computer via
Online processing is performed (step 514). The bank main computer has a center file that records information indicating depositor names, account numbers, and corresponding deposit balances. In online processing, the information transmitted from the online processing device control unit 30 is the account number information recorded on the card and the withdrawal amount information input by key. Based on the transmitted information, the bank main computer determines whether withdrawal is possible, updates the center file if withdrawal is possible, and transfers the updated information to exchange machine R1.
The data is transmitted to the transmitting/receiving unit 303 of the online processing device 3 of a. During online processing, the online processing device control unit 3o is used to notify the customer that online processing is being performed.
turns on the display lamp 37 in FIG. The online processing device control unit 30 causes the slip issuing machine 34 to issue a slip in response to receiving the center file update message from the bank's main computer. When the online processing is completed, the display lamp 37 will be brightly lit.
Control of the operation of the device v11a is transferred to the money exchange device control section 12. Subsequently, from step 815 to step S22 in FIG.
Then, the exchange device control section 12 displays the deposited amount (withdrawal amount) on the amount display section 5 shown in FIG. The customer sets the type of money to be exchanged (withdrawal 1't) from the setting unit 5 (step 523). (1) The device control section 12 calculates the remaining amount for each denomination setting and displays it on the display section 5 to prompt the customer to set the denomination. When all denomination settings are completed (step 824) , the money exchange device control unit 12 withdraws banknotes 8114
Exchange denominations are discharged from the cylinder coin discharge machine 13 and the loose coin discharge machine 16 (step 525). Customer exchanges money (withdrawals)
The denomination is received (step 526). Here, since an online processing device is installed, the process advances to step S28, and in step S28, since this is a card transaction, the slip printed in step 814 is ejected from the slip ejection port 341 in FIG. 5 (step 829). . The customer receives the voucher (step 830). From step 830, the process returns to step S1 in FIG. 1 and waits until the next customer arrives.

If the customer presses the cash key 332 for only changing cash in step $3, step 31 in FIG.
8, the banknote flicker 9 is blinked to prompt the customer to insert banknotes into the banknote slot 8 shown in FIG. In step 5, the both N device control unit 12 waits until the customer inserts banknotes.
19) Once the banknotes have been inserted, the banknote slot 8 is closed and the banknote flicker 9 is turned off (step 820). Next, the money exchanger side 0 (12) causes the banknote discriminating unit 17 to determine the type of banknote inserted and whether there is any abnormality in the banknote (
521).

The following steps are exchange processing, and the steps 822 to 822 described above are
The operations up to step 828 are the same.

In this case, since it is a cash exchange, no slip is issued and the process returns from step 328 to step S1 in FIG. 1 and waits until the next customer arrives.

Next, the operation of the currency exchange device 1b to which the journal issuing device ff11 is attached instead of the online processing device 3 will be explained. Both 'yj devices 1b are customer detectors 101fi
Wait until a customer is detected (step 517). When a customer is detected, the process proceeds to step S18, where the bill slot 8 is closed and the bill flicker 9 is made to blink. When the customer inserts a bill (step $19), the bill slot 8 is closed and the bill flicker 9 is turned off (step 320). continue,
The banknotes are discriminated (step 821), and the deposited amount is displayed on the amount display section 5 (step 522). When the customer sets the exchange from the setting section 5 (step S23.824),
Accordingly, the exchange denomination is released (step 525). When the customer receives the exchange denomination (step 526), the process returns to step 317 and is held until the next customer arrives.

Effects of the Invention According to this invention, a customer can withdraw deposits and savings from a currency exchange device equipped with an online processing device using a card on which account number information is recorded. You can also set Since customers can withdraw their deposits and savings, customers will use the currency exchange device of the present invention to the same extent as ATMs, CDs, etc., so the operating rate of the currency exchange device will be significantly increased and customers' time will be reduced. In stores with few customers, a currency exchange device with a journal issuing device installed instead of the Online Processing II device can be configured to only allow currency exchange, so the side installing the currency exchange device can You can select and install either of them depending on the actual situation. In addition, even when installed, it can be replaced, so it can be used effectively for store operations.

[Brief explanation of the drawing]

FIG. 1 is a flowchart for explaining the operation of a currency exchange device equipped with an online processing device according to an embodiment of the present invention. FIG. 2 is a flowchart for explaining the operation of the money exchanger equipped with the journal issuing device according to the embodiment of the present invention. FIG. 3 is an external perspective view of a currency exchange device to which an online processing device according to an embodiment of the present invention is attached. FIG. 4 is an external perspective view of a currency exchange device to which a sirenal issuing device according to an embodiment of the present invention is attached. FIG. 5 is a diagram without showing the customer service department of the online processing device. FIG. 6 is a schematic block diagram of the online processing device. FIG. 7 is a schematic block diagram of the money exchange device. In the figure, are 1a# and 1b both? 3 devices, 3 is an online processing device, 4 is a handling display, 5 is an amount display/setting section, 6 is a coin receiving slot, 7 is a cylindrical coin receiving slot, 8 is a banknote input/receiving slot, 9 is a banknote flicker, 1o is a customer detector, 1
1 is a journal issuing device, 12 is a money exchange system RIII section, 13 is a tube coin ejecting machine, 14 is a bill depositing and dispensing machine, 15 is a voice guidance unit, 16 is a loose coin discharging machine, and 17 is a bill validating section 1r. 1st field'1fIJ2 Figure 30;, 2nd and 4th (21 Figure 6 Figure 7

Claims (4)

[Claims] (1) A first connection means that is connected to a financial institution via a line and is connectable to an online processing device that processes deposits and savings using a card on which at least account number information is recorded, and for recording currency exchange processing; a second connection means connectable to the journal issuing device; a bill insertion means for inserting banknotes to be exchanged; a means for setting the type of money to be withdrawn or exchanged; means for releasing denominations, the online processing device and the journal issuing device are unitized, and either one can be selectively attached, and the online processing device is connected to the first connection means. In the case where the card is used to pay deposits and savings with the denomination set by the setting means, and when the journal issuing device is connected to the second connecting means, the banknote insertion means A currency exchange device that only exchanges money based on banknotes inserted. (2) The online processing device comprises means for reading account number information recorded on the card, means for inputting a withdrawal amount, and account number information read by the reading means and withdrawal amount input from the input means. and means for transmitting information to the financial institution, and the exchange device further comprises means for activating the discharging means in response to transmission of information indicating that withdrawal is possible from the financial institution. The money exchange device according to claim 1. (3) The online processing device further includes a cash key for specifying a currency exchange process, and in response to input of the cash key, exchanges the banknotes inserted from the banknote input means. The money exchange device according to item 1 or 2. (4) The money exchange device according to claim 1, wherein the journal issuing device includes journal issuing means.