JPS63247893A - Automatic exchange dispenser - 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 Summary of the Invention An automatic currency exchange and payment machine in which currency exchange payment processing is performed by pressing the 1 currency exchange key during payment mode processing, and normal payment processing is performed by pressing the payment amount setting key.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic currency exchange and payment machine that has both a function of paying cash according to a billed amount input by a user and a function of exchanging and paying money according to exchange requests by denomination.

Description of the Prior Invention Automatic teller machines that automatically dispense deposits and automatic exchange machines that automatically exchange deposited cash into cash of a predetermined denomination and amount and release it have, of course, existed for a long time. They are installed in many stores such as banks. If you want to withdraw money from your savings account using these conventional single-function machines and then exchange the money and take it home, you first withdraw the deposit from the automatic teller machine and then go to the money exchange machine and transfer the desired amount of money. 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.

In order to solve this problem, the applicant has already proposed an automatic teller machine having both a currency exchange function and a payment function (Japanese Patent Application No. 130035/1983).

This automatic teller machine enters the exchange mode when cash is inserted, and enters the payment mode when a magnetic card on which the bank account number, PIN number, etc. are recorded is inserted, and the PIN number is entered manually. Payment modes include normal payment transactions (referred to as normal payments) in which the invoiced amount of cash is released in a combination of denominations that minimizes the amount of cash released, and in which all or part of the invoiced amount is released in the desired denomination. There are exchange payment transactions (referred to as exchange payments) that can request exchange and release.

In both cases of normal payment and exchange payment, the user first manually enters the requested payment amount. Then, only those users who wish to make currency exchange payments are required to make currency exchange settings using the currency exchange setting button for each denomination. However, when the requested payment amount was entered, the machine could not recognize whether it was a normal payment or an exchange payment, so the exchange setting button for each denomination was lit.

For this reason, users who wish to make regular payments that do not require currency exchange settings may mistakenly set currency exchange settings by denomination, and there is a risk that the transaction operation that the user intends may not be carried out smoothly.

SUMMARY OF THE INVENTION An object of the present invention is to enable a user to smoothly perform operations in an automatic money exchange payment machine capable of normal payment and exchange payment.

The automatic money exchange and payment machine according to the present invention includes at least a card reading device on which a user-specific identification code is recorded, a user-specific identification code input device, a key input device for inputting a payment amount, and a key input device for inputting a payment amount. A currency exchange setting device, a selection key input device for selecting either normal payment 1 currency exchange payment in the payment mode, release of the denomination and quantity of cash set for exchange by the currency exchange setting device, or key input of the above payment amount. A cash handling device that discharges cash for the payment amount specified by the device, and a cash handling device that is in a payment mode after comparing the identification code of the card read by the reader with the identification code input by the identification code input device. When the normal payment is selected by the selection key input device, the normal payment amount is allowed to be manually input by the payment amount key input device, and the input withdrawal amount is released by the cash handling device. Process the payment,
When currency exchange payment is selected by the selection key input device, the currency exchange setting device is allowed to set currency exchange, and control is performed to perform automatic currency exchange processing including discharging the set denomination and amount of cash by the cash handling device. It is characterized by being equipped with a control device.

The automatic exchange payment machine according to the invention is particularly equipped with a selection key input device for selecting one of the two exchange payments in the payment mode. Therefore, the user can use this selection key input device to clearly indicate whether the desired transaction is a normal payment or an exchange payment. Since there is a clear selection by the user on the control device side of the automatic money exchange and payment machine, the operation to be performed by the user can be clearly guided in response to the selected transaction. For example, when normal payment is selected, the user can be informed that the billing amount should be entered, and when exchange payment is selected, the user can be informed that exchange settings are required. Further, the exchange amount setting key for each denomination can be lit only when exchange payment is selected, and remain off when normal payment is selected.

In this way, only the operations necessary to carry out the selected transaction are guided, so that the user can smoothly perform the transaction operations without making any mistakes.

DESCRIPTION OF EMBODIMENTS The automatic currency exchange and payment machine described below has an exchange mode and a payment mode. The exchange mode assumes that banknotes are inserted, sets the banknotes to be exchanged to a desired denomination of a smaller amount, and discharges the banknotes and coins set for exchange.

Payment modes include normal payment and exchange payment. In normal payments, cash equivalent to the requested payment amount is dispensed in a combination of denominations that minimizes the number of bills to be dispensed. In the exchange payment, cash equivalent to the payment request amount is released in the form of banknotes and coins of the denomination according to the exchange settings.

FIG. 1 shows the external appearance of the automatic money exchange and payment machine 1. As shown in FIG. The almost vertical operating surface provided on the front of the automatic currency exchange and payment machine 1 allows payment transactions or currency exchange (
(in other words, the operation is not stopped) 2.
Handling mode indicator indicating operable processing modes 3. 4. Receipt outlet with printed payment transaction results. Illuminated pushbutton switch for pending calls5. A speaker 6 for guiding the user by playing operating procedures and other information by voice, a magnetic card insertion lower for confirming that the user is qualified for the transaction in a payment transaction, and a card insertion lower. A card insertion flicker display 7a for alerting the user to the steps to be taken, a receipt flicker display 4a for indicating that the issued receipt should be removed, and a currency exchange setting for the user to make currency exchange settings. A panel 8 is provided. The display 4a shows “
The words ``Receipt'' are displayed and flash. Similarly, the word "CARD" is displayed on the display 7a and blinks.

In addition, on the almost horizontal operation surface, there is a coin discharge port 999 for discharging exchanged bulk coins, a packaged coin discharge port 12 provided with a shutter for discharging exchanged packaged coins, and a flicker display for these coins. a bill outlet IO equipped with a shutter that can be opened and closed and used as an input port for bills to be exchanged in exchange and a discharge port for exchanged bills, and a flicker indicator 10a thereof; A push button switch 11 for manually opening and closing the shutter of the bill slot 10. Also provided is a keyboard 13 and its flicker display 13a for inputting the amount to be paid, a personal identification number and other numerical values, the fact that normal payment has been selected, and other functional information. On the flicker display 9a.

The words ``Loose coins,'' ``Wrapped coins,'' and ``Loose and wrapped coins combined'' are displayed, and the corresponding characters flash according to the type of coins to be ejected. The flicker display 10a indicates that banknotes should be inserted into the entrance/exit 10 or that the banknotes should be inserted into the entrance/exit 1.
The word "banknote" indicating that the 0 banknote should be taken out,
The characters ``RETURN'' indicating that the inserted bill has been returned to the doorway 10 and the characters ``PUSH BUTTON'' indicating that the push button 11 should be pressed are displayed, and the corresponding characters are displayed when these operations should be performed. flashes. The flicker display 13a shows "Password" indicating that a password should be entered.
The characters "Amount" and the characters "Amount" indicating that the amount to be paid should be entered are displayed, and the corresponding characters blink when these pieces of information are to be entered.

Furthermore, at the bottom of the front of the automatic exchange payment machine 1, there is a key 1.
4. A customer sensor 15 is provided to detect when a user approaches the front of the machine 1. This customer sensor consists of an ultrasonic detector, a photoelectric detector, etc.

Although the user is guided through the operating procedures by audio emitted from the speaker 6, an operating procedure guidance display device such as a CRT may be provided, or a panel with printed guidance text may be provided. You can just paste it on.

Further, in this embodiment, the cash payment in the second normal payment is made only with banknotes, but it is also possible to make the payment with coins. Currency exchange is done by inserting one bill (regular currency exchange) or by setting the currency exchange setting (exchange payment), and then converting it into smaller bills, wrapped coins, or coins, but even if coins can be inserted, good.

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.
11. There is an exchange setting amount display 221 for displaying the total amount of money exchange settings. There is a set amount display 23 for each denomination for displaying the amount for each denomination of exchange settings. The deposited amount display 21 also displays the requested payment amount in the payment mode (normal payment). The exchange set amount display 22 may display the remaining amount obtained by subtracting the exchange set amount from the total amount invested. The pushbutton switches include a pushbutton switch 24 for setting two exchange denominations and a function pushbutton switch. The function pushbutton number switch includes a cancel pushbutton 27. Correction push button 28. Payment confirmation push button 29. and an exchange payment button 25 for selecting an exchange payment. The payment confirmation push button 29 is used to indicate that the requested payment amount in one normal payment transaction has been input, or that the currency exchange setting in currency exchange processing (including currency exchange payment) has been completed.

Denominations include 10,000 yen hole, 5,000 yen bill, 1,000 yen bill, 500 yen coin,
There are 100 yen coins, 50 yen coins, and 10 yen coins. For banknotes, press the denomination setting pushbutton 24 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: bulk coins and packaged (tube) coins, and by pressing the pushbutton 24, the units can be set to 1, 5, 10, and 1, 2, 4, 10, etc., respectively.

FIG. 3 shows an example of the keyboard 13.

The keyboard 13 has a numeric keypad 31. A function key 32 for inputting units of 10,000 or 2 yen and a payment amount setting key 33 for selecting normal payment are provided.

FIG. 4 shows the electrical configuration of the automatic money exchange and payment machine.

The CPU 40, which controls the entire automatic exchange and payment machine 1, has an area or ROM 42 that stores its execution program,
Payment transaction processing 1 It is provided with an area or RAM 41 for storing data necessary for exchange transaction processing. When the CPU 40 is in the payment mode.

It communicates via a line control unit 43 with a control center (as shown) that has a file in which customer (user) accounts are provided.

Furthermore, the CPU 40 includes an operation display section 44. Card/printer processing unit 451 Banknote withdrawal unit 46 and coin withdrawal unit 47
is connected. The operation display section 44 includes the above-mentioned exchange setting panel 8. Various indicators 2.3, 4a.

7a, 9a, ioa, 13a, speaker 6, key group 5, 11° 13, customer sensor 15, etc. card·
The printer processing unit 45 includes a card reader/writer that reads magnetically recorded data on a card inserted into the card insertion lower and records predetermined data on the card, and a printer that prints transaction results on a receipt or journal (both shown in the figure). ), etc., to control them.

In the payment mode, the banknote withdrawal unit 4B dispenses banknotes equivalent to the withdrawal amount or banknotes set for exchange from the storage box and releases them into the doorway 10, and in the two-money exchange mode, it checks the authenticity of the banknotes inserted into the doorway 10. The type is determined and stored in the storage box, and one banknote of the denomination set for exchange is fed out from the storage box and discharged to the entrance/exit lO. The coin ejection section 47 is.

Two denominations of loose coins set for exchange are taken out from the storage box and released into the discharge port 9, and at the same time nine packaged coins of denominations set for nine exchanges are taken out from the storage mechanism and released into the discharge port 12. It is something.

FIG. 5 shows the operation of the automatic money exchange and payment machine 1 having the above-described structure, particularly the processing procedure performed by the CPU 40.

Referring to FIG. 5a, the automatic money exchange and payment machine 1 starts processing operations when the customer sensor 15 detects an approaching user. First, the characters on the card insertion flicker indicator 7a “
At the same time, the text "Push Button" on the flicker display 10a is made to blink (step 101).

The user is forced to choose between inserting a card or pressing pushbutton II for opening and closing the shutter (step 102). Of course, the user's operation guidance can also be performed by audio output from the speaker 6, but in order to avoid complexity, the audio guidance will generally be omitted in the following explanation.

When the user presses the pushbutton 1■, it is determined that the user has selected the exchange mode, and the shutter of the 1 banknote entrance IO opens (step 103), and the flicker display 10a opens.
The character "Banknote" flashes, so when the user inserts the bill to be exchanged into the entrance IO (steps 104 and 105)
, the characters "r push button" on the flicker display 10a flash again (step 10B), and if this push button 11 is turned on within a certain period of time or a certain period of time has elapsed (steps 107 and 108).

The shutter of the entrance/exit lO is closed (step 109).

The inserted banknotes are identified and counted (Step 1)
10).

As a result of the discrimination and counting of the input banknotes, if there is a defective banknote or a counterfeit banknote (step 1ll), it is transferred to the banknote entrance 1.
0, the shutter is opened, and the word "Return" flashes on the flicker display 10a (steps 131 and 132), so when the user takes it out, the word "Banknote" flashes on the same display WlOa. (Step 133
．． 134). The user can also insert the returned banknote or another banknote (step 135), or may exchange money only with the banknotes that have been determined to be genuine.

The total amount of legal banknotes that were identified and counted in step 110 is displayed on the display 2 as the deposited amount with reference to FIG. 5C.
1, and those that can be exchanged depending on the deposited amount among the illuminated exchange money insertion setting push buttons 24 are lit (step 113). The user presses a desired one of the push buttons 24 to perform an exchange denomination setting operation (step 114). The set amount for each denomination is displayed on the display 23, the total set amount is displayed on the display 22, and the payment confirmation button 29 lights up (step 115). When the remaining amount obtained by subtracting the predetermined amount from the deposited amount becomes 0, or when the payment confirmation button 29 is pressed (steps 116 and 117), it is determined that the currency exchange setting has been completed.

Then, the set amount of banknotes, loose coins, and wrapped coins of the set denomination is dispensed from each storage box or storage mechanism (step 118), and after the exchange data is totaled and printed on the journal (step 119), the above-mentioned banknotes, loose coins, and wrapped coins are fed out through the entrance/exit 10. Outlet 9
, 12 as well as the inlet/outlet lO and the outlet I
2 shutter is opened, and the flicker indicator 10a,
9a has ``Banknotes'' and ``Rose.

Since the characters such as "Can be used with wrapped coins" flash, the user takes it out (steps 120, 121, and 122). If there are banknotes that have been inserted into the entrance/exit IO and are temporarily held in a proper place after being discriminated and counted, they are stored in the banknote storage box (step 12L L24).

When the payment confirmation button 29 is pressed in step 116 when there is a balance that has not been set for exchange, the denomination of the balance is determined according to the principle of the minimum number of coins to be released.

Returning to FIG. 5a, when a card is inserted into its insertion lower, its data is read by the card reader and the bank code, etc. in the card data is checked (step 141). If this check is passed, the character "Password" on the flicker display 13a flashes (step 142), and the user manually enters the password using the numeric keypad 31 (step 143). Then, it is checked whether the manually entered password and the password in the card data have the expected correspondence (for example, whether they match) (step 144).

When checking the PIN, if the PIN entered manually does not correspond to the PIN in the card data as planned, the PIN can be input repeatedly a certain number of times (steps 146 and 147). 143) If the scheduled correspondence still does not exist, the card is returned (steps 148-15o).

Cards determined to be invalid in the check at step 141 are collected or returned.

If the PIN code check passes (step 145)
), proceed to the process shown in FIG. 5b. Here, the user has to choose between regular payment and currency exchange payment.

The speaker 6 provides voice guidance that the payment amount setting key 33 should be pressed when a normal payment is desired, and that the currency exchange payment button 25 should be pressed when a currency exchange payment is desired. If necessary, it is preferable to make the characters "Payment Amount" blink on the flicker display 13a or to make the button 25 light up.

If the customer wishes to make a currency exchange payment, press the currency exchange payment button 2.
5 is pressed (step 151), the exchange denomination setting button 24 in the exchange setting panel 8 lights up (step 152).
). The user presses the 2-currency exchange denomination setting button 24 to perform 2-currency exchange settings (step 158). The set amount for each denomination is displayed on the display 23, the set total amount is displayed on the display 22, and this total amount is displayed as the payment amount on the display 21, and the illuminated payment confirmation button 29 lights up. do(
Step 154). When the desired currency exchange settings are completed, the user presses the payment confirmation button 29 to input that the two currency exchange settings have been completed (step 155). The amount displayed on the display 21 at this time becomes the requested payment amount. In this step 155, the payment confirmation button 29 is used to confirm the completion of exchange settings.

In order to be able to exchange some money, the customer must first use the numeric keypad 31.
It is also possible to have the user input the billed amount using , and make exchange settings within the range of this billed amount. In this case, when the user completes the exchange settings as desired, the set amount may be less than the requested payment amount, and there is a remaining amount. At this time, when the user presses the payment confirmation button 29, the denomination and amount of the balance to be released are determined according to the principle of the minimum number of coins.

If the user wishes to release cash equivalent to the payment amount without exchanging money, the user first presses the payment amount setting key 33 on the keyboard 13 and inputs the requested payment amount using the numeric keypad 31 (step 181. 182). Then, the input billed amount is displayed on the display 21, and the payment confirmation button 29 lights up (step 163). After viewing this display and confirming the amount, the user only has to press the payment confirmation button 29 (step 164). In this case, since the exchange denomination setting button 24 does not light up, the customer will not make the exchange settings by mistake.

In normal payments, the type and number of cash to be released corresponding to the requested payment amount is determined according to the minimum number principle. The principle of minimum number of bills refers to using the combination that minimizes the number of bills (and coins) to pay a given amount.

Now that we have the data necessary for payment transactions, we can move on to the 5th C.
In the figure, the process moves to communication with the center (step 171),
The automatic currency exchange/payment machine 1 transmits transaction data such as card data and manually input billed amounts to the center.

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

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

When the automatic currency exchange/payment machine 1 receives the message from the center, if payment is permitted, it will transfer cash in accordance with the principle of one exchange denomination set in the above process or the minimum number of coins equivalent to the payment amount. (Step IT2). Thereafter, a receipt is created (step 172), and after tabulation processing and journal printing, the process moves on to the receipt and card release process (steps 174 and 175). The characters ``receipt'' and ``card'' are displayed blinking on the displays 4a and 7a (step t're), and when the receipt and card are removed (step 177), the process moves on to discharging cash, etc. (steps 120 to 7a). 124).

In the above example, the user operates the shutter of the 9 banknote entrance IO by pressing the push button 11 (steps 102, 103, 108 and 109).
It may also be configured to open and close automatically based on customer detection. In this case, in step 101, the "card" on the flicker display 7a blinks and the flicker display 1
The characters 0a "Banknote" flash, and step 10
In step 2, it will be determined whether a card is inserted or a single bill is inserted. Furthermore, when the user inserts a card, the shutter closes automatically.

[Brief explanation of drawings]

FIG. 1 is a front view showing the appearance of the automatic money exchange and payment machine. Figure 2 is a front view of the exchange setting panel, Figure 3 is a front view of the keyboard, Figure 4 is a block diagram showing the electrical configuration of the automatic exchange payment machine, Figures 5a, 5b and 5C are automatic It is a flow chart showing the operation of the money exchange payment machine. 7...Card insertion slot. 8... Currency exchange setting panel. 13...Keyboard. 24... Exchange money supplement setting push button. 25... Currency exchange payment key. 29... Payment confirmation push button. 31...Numeric keypad. 32...Function key. 33...Payment amount setting key. 40...CPU. 41...RAM. 45... Card printer processing section. 46...Banknote withdrawal department. 47... Coin withdrawal department. Patent applicant Tateishi Electric Co., Ltd. Agent Patent attorney Tsukasa Ushiku (1 other person) Figure j11 Figure 5b

Claims (1)

[Scope of Claims] A card reading device in which at least a user-specific identification code is recorded, a user-specific identification code input device, a key input device for inputting a payment amount, and a currency exchange setting device for setting currency exchange. , a selection key input device for selecting either normal payment or exchange payment in the payment mode, release of the denomination and amount of cash set for exchange by the exchange setting device, or the payment amount specified by the payment key input device. a cash handling device that discharges cash for the payment amount, and a cash handling device that allows a transaction in a payment mode after checking the identification code of the card read by the reading device and the identification code input by the identification code input device; When normal payment is selected by the selection key input device, the payment amount key input device allows input of the payment amount, and causes the cash handling device to perform normal payment processing including discharging cash of the entered withdrawal amount by the cash handling device; When currency exchange payment is selected by the selection key input device, the currency exchange setting device is allowed to set currency exchange, and control is performed to perform automatic currency exchange processing including discharging the set denomination and amount of cash by the cash handling device. Automatic money exchange and payment machine equipped with a control device.