JPS62286191A - Automatic dispensing machine with exchanging function - 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] 3. Detailed description of the invention Summary of the invention Automated payment machines have a currency exchange function and can also be used for payment.

Payment/currency exchange processing is now possible using almost the same operations as a single currency exchange function. When you insert cash, it goes into exchange mode,
When a card is inserted, it enters payment mode. Also,
It is also possible to exchange the payment amount and withdraw the money.

Background of the invention This invention relates to an automatic teller machine with a money exchange function.

Automatic teller machines that automatically withdraw deposits and automatic currency exchange machines that automatically exchange deposited cash into cash of the desired denomination and amount and release it have existed for a long time, and are used in many banks and other facilities. It is installed in the store. If you want to withdraw money from your deposit account using these conventional single-function machines and then exchange the cash to take it home, you first withdraw the deposit from the automatic teller machine and then transfer the desired amount of money to the exchange machine. seed.

I had to go through the steps of converting it into quantity. Therefore, there was a problem in that it required a lot of effort for the user. Also, for example, if no one is using the exchange machine but the payment machine is being used by another user, the user who wants to exchange one drawer will wait until the payment machine becomes available. Having to wait, this not only wasted time for the user, but also reduced the efficiency of using these machines, resulting in the problem that they could not be operated in a highly efficient manner.

SUMMARY OF THE INVENTION An object of the present invention is to provide an automatic teller machine with a currency exchange function to solve the above-mentioned problems.

An automatic teller machine with a currency exchange function according to this invention.

Card reading device for verifying users, key input device for inputting withdrawal amount 1 Currency exchange setting device 1
A cash handling device that accepts cash for exchange, discharges the denomination and amount of cash set for exchange by the exchange setting device, and discharges cash of the withdrawal amount specified by the key input device, and a cash handling device for transactions. To start,
It is determined whether the card is accepted by the reading device or the cash is accepted by the cash handling device, and if the card is accepted, the data recorded on the card is verified.

Automatic payment processing including discharging by the cash handling device the withdrawal amount entered by the key input device or set by the currency exchange setting device, and in the case of cash acceptance, the withdrawal amount is set by the currency exchange setting device. The present invention is characterized in that it is equipped with a control device that controls automatic exchange processing including discharging of the denominations and numbers of cash by the above-mentioned cash handling device.

With this configuration, the present invention has the following effects.

Users who wish to make regular payments can automatically enter payment mode by having the card they bring with them read by the above-mentioned reader, allowing them to receive payment using almost the same operations as with conventional automatic teller machines. There is no need to learn new operations.

Also for users who wish to exchange money normally. By inserting the cash you brought with you, the machine automatically enters the currency exchange mode, so you can make the desired exchange using the same operations as with a conventional money exchange machine.

Furthermore, users can withdraw money from their accounts and exchange it for the desired denomination and quantity, eliminating the need to go to both an automatic teller machine and a currency exchange machine as in the past. This saves an hour and increases the efficiency with which the machines installed in each store are used.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 shows the external appearance of an automatic teller machine 1 having a currency exchange function. On the operating surface that stands up almost vertically on the front of the automatic teller machine 1, there is an in-service indicator 2 that indicates that transactions or currency exchange are possible (that is, the operation has not stopped).
．． Handling mode indicator indicating operable processing modes 3. Rent outlet with printed transaction or exchange results 4. Illuminated pushbutton switch for calling staff 5. Speaker 6 for guiding users by broadcasting operating procedures and other information
, Magnetic card insertion lower for confirming that the user is qualified for the transaction in a payment transaction, Card insertion flicker display 57 a, Use to alert the user at the step of card insertion. Currency exchange setting panel for the person to make exchange settings 8. Also provided is a loose coin discharge port 9 and its flicker indicator 9a.

In addition, on the horizontal operation surface, there is a banknote outlet provided with a freely openable and closable door, which is used as a banknote ejection port in payment transactions, a banknote input port for exchanged banknotes, and a banknote discharge port for exchanged banknotes. 10 and its flicker indicator 10a, a push-button switch 111 for manually opening and closing the shutter; and a packaged coin discharge port 12 provided with a receptacle for discharging the exchanged packaged coins. 13. Numeric keypad for inputting payment amount, PIN number, and other numerical values. Confirmation key/switch Function key for inputting units such as 14゜0,000, 9 yen, etc.◆Switch 1
5. and flicker display 2 for input guidance for these keys.
W 13 a is provided.

Furthermore, a customer sensor 16 is provided at the lower front of the automatic teller machine 1 to detect when a customer approaches the front of the machine 1. This customer sensor 16 is an ultrasonic detector,
Consists of photoelectric detector etc.

The handling mode indicator 3, as shown in FIG.
The text that appears on the front of the display 3 will light up to indicate that 1 money can be exchanged, 1 payment can be made, and 1 money exchange is possible.If exchange is possible, the content is either for banknotes or for wrapped coins. Displays whether the exchange is for bulk coins or bulk coins. Characters that can be operated will light up, so if all the actions in the series 1 are possible, all characters will light up.

The user is guided through the operating procedure by audio output from the speaker 6, but an operating procedure guidance display device such as a CRT may be provided, or a panel etc. with printed guidance text may simply be pasted. You can just leave it there.

Further, in this embodiment, cash payments are made only with banknotes, but coins may also be used for payment. For currency exchange, one banknote is inserted or the amount to be withdrawn is input, and this is exchanged into smaller denomination banknotes, wrapped coins, or loose coins, but it may also be possible to input coins.

FIG. 2 shows the exchange setting panel 8. This exchange setting panel 8 is provided with one display group and a push button/switch group. The display device is a deposit amount display device 2 that displays the total amount of exchanged banknotes inserted into the banknote entrance 10.
1. There is a display 221 for the remaining amount obtained by subtracting the amount set for exchange from the total input amount, and a set amount display 24 for each denomination for displaying the amount for each denomination set for exchange.

There are two push buttons and switches for setting the exchange denomination.
There is a switch 25 and a function push button switch. The function pushbutton switch includes a balance exchange pushbutton for setting the remaining amount to be exchanged with 1,000 yen bills (or 500 yen coins, etc.) or a combination of appropriate denominations;
There is a correction pushbutton and a cancel pushbutton.

The denominations include 5,000 yen bills, 1,000 yen bills, and 500 yen coins.

There are 100 yen coins, 50 yen coins, and 10 yen coins. For banknotes, press the denomination setting pushbutton 25 to set 1 or 5 banknotes.
One unit can be set as 1 sheet, 10 sheets, 50 sheets, etc. There are two types of coins: loose coins and packaged (tube) coins. 1 coin, 5 coins, 10 coins, and 1 coin, respectively, can be selected by pressing the push button 25.
You can set 2 trees, 4 trees, 10 trees, etc. as one unit.

When operating in the payment mode, the requested payment amount entered using the numeric keypad 13 and function keys 15 is displayed on the deposit amount display 2; 21.

FIG. 4 shows the electrical configuration of an automatic teller machine with a money exchange function.

A control unit 30 that controls the entire automatic teller machine 1 is composed of a CPU and a memory. The memory includes an area or ROM that stores programs executed by the CPU, and an area or RAM that stores data necessary for payment transaction processing and currency exchange transaction processing. When in the payment transaction mode, the control section 30 communicates via the transmission section 37 with a control center (not shown) having a file in which customer (user) accounts are provided.

In the payment mode, the banknote withdrawal unit 31 dispenses banknotes equivalent to the withdrawal amount or one banknote of the denomination set for exchange from the storage box and discharges them into the doorway 10, and in the one-money exchange mode, the banknotes dispensed at the doorway 10. The authenticity and type of the banknotes are determined, the banknotes are stored in a storage box, and the banknotes of three denominations set for exchange are fed out from the storage box and discharged into the entrance/exit 10.

The coin discharge section 32 takes out the bulk coins of the denomination and number set for exchange from the storage box and discharges them into the discharge port 9, and the packaged coin discharge section 33 takes out the number of loose coins of the denomination and number set for exchange. 21 coins are taken out from the storage mechanism and discharged into the discharge port 12.

These banknotes withdrawal section 31. Both of the coin ejecting parts 32 and 33 are fa! It is equipped with a CPU for controlling M. The cash withdrawal section 31 and the dispensing section 33 are connected to the control section 30 through a transmission line, and the dispensing sections 32 and 33 are connected to each other by a bus.

Furthermore, the card reader/writer 34 reads data magnetically recorded on the card inserted into the insertion lower and writes predetermined data onto the card, and the above-mentioned exchange setting panel 8. Various indicators 2.3.7a, 9a, 10a, 13
a. Speaker 6, key group 5, 11, 13, 14.15
Customer service department including 3°5. Customer sensor 16 as described above. A printer 36 for issuing receipts is also connected to the control unit 30 via a bus.

FIG. 5 shows the operation of the automatic payment machine 1 having the money exchange function configured as described above, particularly the processing procedure performed by the CPU of the control section 30.

When the customer sensor 16 detects an approaching customer, the automatic payment machine 1 starts processing operations (step 101).
. First, the card insertion flicker display 37a is blinked to guide insertion of the card into the insertion lower, and the shutter of the one-bill bill slot 10 is opened to prompt the insertion of a bill into the slot 10.

(Step 102).

Depending on whether the customer inserts a card or one bill, it is determined whether the transaction is a payment transaction or two currency exchanges (step 103).

When the customer inserts the card into the insertion lower, it is determined that the customer has selected a payment transaction, and the mode becomes payment mode 1, ie, online mode. The customer then enters his/her personal identification number using the numeric keypad 13, so the card reader 3
A verification process is performed to determine whether or not the password in the card data of the inserted card read in step 4 and the password entered by the key have the expected correspondence. (Step 104). If it is determined that the customer is an authorized +lI customer through this verification process, the process will proceed to the next step, or if the PIN number in the card data and the PIN number input by key do not correspond as planned, the transaction process will continue. As is well known, this is not possible and the cart is returned.

The customer who has passed the password check can enter the requested payment amount (withdrawal amount) in two ways (step 105). One method is to input using the numeric keypad 13 and function keys 15 in the same way as normal payment operations, and in this case, step 10 described later is used.
At 7, banknotes corresponding to the withdrawal amount are discharged from the banknote dispensing unit 31 in a manner that minimizes the number of banknotes. The key-input withdrawal amount is displayed on the deposit amount display 21. Another method is to exchange the withdrawal amount and then withdraw the money. In this case, the customer inputs the withdrawal amount using the exchange denomination setting push button 25 on the exchange setting panel 8.

The total amount of the set denomination and amount is displayed on the deposit amount display 21. When such settings are made, in the subsequent step 107, the combination of banknotes and coins as set by the denomination is delivered to the banknote dispensing unit 31 and the coin discharging unit 32, 33.
released from.

When the withdrawal amount is set and the confirmation key 14 is pressed, the automatic payment machine 1 shifts to communication with the control center and transmits transaction data such as the withdrawal amount entered in the card data 1 to the center (step 106). ).

The center searches the customer's account and determines whether the payment is allowed or not by checking whether the balance is greater than the withdrawal amount, and if it is approved, the balance in the customer's account is updated. be done.

Further, this processing result is sent to the automatic payment machine 1.

Automatic payment Fa1 receives a message from the center.

If payment is permitted, use the method described above to release cash equivalent to the withdrawal amount (Step 107), print this transaction data on the printer 36 to create a receipt, and release it to the release port 4. (Step 108). If the payment is not authorized, steps 107 and 108 are not performed and the card is returned.

When a customer inserts banknotes into the doorway 10, it is assumed that the customer has selected exchange, and the exchange operation is performed. After the inserted banknotes are taken in and verified, the total amount of the inserted banknotes is calculated and displayed on the deposited amount display 21 (step 111).

The customer then uses the exchange denomination setting push button 25 on the exchange setting panel 8 to set the exchange denomination (step 112), so that the set denomination and child's cash can be withdrawn by the customer. Part 31. It is discharged from the discharge portions 32, 33 (step 113).

[Brief explanation of the drawing]

Figure 1 is a perspective view showing the appearance of an automatic teller machine with exchange function, Figure T32 is a front view of the exchange setting panel, Figure 3 is a front view of the transaction mode display, and Figure 4 is an automatic payment machine with exchange function. FIG. 5 is a block diagram showing the electrical configuration of the automatic teller machine, and FIG. 5 is a flow chart showing the operation of the same automatic teller machine. 7...Card insertion slot. 8...Currency exchange setting panel, 13...Numeric keypad. 15...Function key. 30...Control device, 31...Banknote withdrawal unit. 32... Coin ejection part. 33...Wrapped coin release unit. 34...Card reader/writer. 35...Customer service department. Patent applicant Tateishi Electric Co., Ltd. Agent Patent attorney Kenji Ushiku (1 other person) 4th [! I Figure 5

Claims (1)

[Scope of Claims] A card reading device for verifying a user, a key input device for inputting a withdrawal amount, a currency exchange setting device for setting currency exchange, and accepting cash for exchange and exchanging money using the currency exchange setting device. A cash handling device that dispenses cash of a set denomination and quantity as well as a withdrawal amount specified by the key input device, and a cash handling device that accepts a card using the reader or handles the cash at the start of a transaction. It is determined whether cash is accepted by the device, and in the case of card acceptance, the data recorded on the card is verified, and the amount of cash entered by the key input device or set by the currency exchange setting device is the amount of cash to be withdrawn. Automatic payment processing including discharging by the handling device is performed, and in the case of cash acceptance, automatic exchange processing including discharging by the cash handling device of the denomination and amount of cash set by the currency exchange setting device is controlled. An automatic teller machine with a currency exchange function, which is equipped with a control device to