JPS63247898A - Card transactable 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] Summary of the Invention In a money exchange machine that allows withdrawal of money using a card, during a predetermined time period, a predetermined code set in the money exchange machine and a corresponding code recorded on the card are the same. Currency exchange and withdrawals are now possible on the condition that the card is valid and the card is not an invalid card. At other times, verification will be performed using a PIN code verification method. This results in the loss of the card.

In addition to ensuring security against theft, we also aimed to improve the processing efficiency of the exchange machine.

BACKGROUND OF THE INVENTION This invention relates to a money exchange machine that allows money exchange and withdrawal using a card.

Large stores such as supermarkets and department stores have many cash registers, and it is necessary to prepare bills and coins as change for all of these cash registers.

Therefore, these large stores are equipped with change machines exclusively for register operators. This money exchange machine inserts high-value banknotes and exchanges them for lower-value banknotes and coins.

However, before the start of business, the above-mentioned money exchange machines cannot be used because there are no high-value bills to be exchanged at each register. Therefore, the operator of each register received bills and coins for change (called change reserves) from the accounting department staff at that store. It is desired to realize an automatic machine that dispenses change reserves without bothering accounting staff.

SUMMARY OF THE INVENTION An object of the present invention is to provide an automatic money exchange machine that can supply change reserves using a card, protect the card from loss or theft, and increase the efficiency of exchange processing.

The money exchange machine according to the present invention has a first inspection means that determines whether or not the card is a legitimate card by comparing a part of the information recorded on the card with reference information stored in a memory in advance.

A second inspection means that determines whether the card corresponds to an invalid card stored in the memory based on other information recorded on the card, the keyed-in password and the card recorded on the card. A third inspection means determines whether the PIN information has a planned correspondence relationship, and the above-mentioned first and second inspection means are used during a predetermined time period, and during other times, is the denomination that is set to be exchanged when it has been inspected by at least the first and third inspection means mentioned above and has passed the inspection.

The present invention is characterized by comprising means for controlling the cash dispensing operation to perform a dispensing operation of the same number of cash.

Cards include not only magnetic cards, but also IC cards, C
Various types of cards such as PU cards and optical cards can be used. For currency exchange settings, the number of coins may be set for each denomination using the currency exchange settings panel for each denomination, but in general, the total amount and combination of denomination and number of coins (referred to as an exchange pattern) for exchange reserves are determined. Since this is often the case, the exchange machine may automatically determine this exchange pattern. You can record the exchange pattern on your card.1
The information may be stored in the memory of the exchange machine. It would also be possible to allow the operator to select one of several exchange patterns. At this time, the exchange pattern may be selected by using an input device such as a push button, or by inputting the total amount.

By allowing a card to obtain change reserves, the card becomes a kind of voucher that provides an unlimited supply of money. Therefore, it is necessary to prevent misuse due to accidents such as loss or theft. A PIN number verification method is used to check whether the person holding the card is qualified to use the card.

This is to check whether the password recorded on the card and the password input by key have a certain correspondence (for example, a match).

However, in large stores such as those mentioned above, where change reserves must be provided to many operators in a short period of time before business starts, it is time consuming to have operators enter their PIN numbers and verify them. The problem arises that it takes too much.

In this invention, during a predetermined time period, for example, when each operator should prepare change reserves before the store opens at the above-mentioned large store, the first step is to compare part of the card information with information pre-stored in the memory. Only the inspection and the second inspection to check whether the card is a registered invalid card such as a lost or stolen card are performed, and the third inspection, which is a password verification inspection, is not performed.

Since key entry of a password is not required, exchange money can be released in a short time, and the efficiency of exchange processing can be improved during times when operators and other users are concentrated. Additionally, since invalid card checks are performed, if a card is lost or stolen, if it is registered as an invalid card, the card cannot be used for transactions, thereby increasing security. Additionally, since the person using the money exchange machine during these predetermined hours is specified by the cash register operator, mutual monitoring will take place even if someone who illegally obtains a card tries to use the money exchange machine during this time. This can be expected to prevent unauthorized use of the card. This works particularly effectively in cases where there is a delay in registering an invalid card.

At times other than the above, when there are not many users, the entered PIN number is checked against the card PIN number, so the card is not lost or stolen. can be secured.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 shows an outline of the electrical configuration of a currency exchange machine that allows card transactions.

, this automatic exchange machine is controlled by CPU10.

CPU10 is a ROM11 that stores the execution program.
and a RAM 12 for storing various data. Further, various input/output devices 13 to 19 controlled by CPU10 are connected to CPU10. card·
The reader/writer 13 reads data recorded on the inserted card and writes it there if necessary. The journal printing device 14 prints all currency exchange transaction data, especially in the case of discharging change reserves using a card, along with data representing the card used (for example, employee code, card number, etc., which will be described later). The two denominations, number and total amount of cash released are printed on a journal and kept as a record. These transaction data may be stored in the RAM 12 in addition to or in place of journal printing. The customer service department 15 includes a currency exchange setting panel, a keyboard including a numeric keypad for entering a password, and various other keys.

It includes various indicator lights, operation guidance display devices, etc.

The banknote handling unit 16 discriminates and counts the bills to be exchanged for one currency exchange, stores them in a storage box after temporarily holding them, and also feeds out and releases one banknote of the denomination set for one currency exchange from the storage box. do. Wrapped coin dispensing department 17. The bulk coin dispensing unit 18 dispenses and discharges packaged coins and bulk coins of two denominations and one number of denominations each set for one exchange from their storage boxes. Clock 19 outputs at least a signal representing time.

As shown in FIG. 3, the RAM 12 stores in advance a company code for specifying the company where the automatic money exchange machine is installed and a store code for indicating the store where the automatic money exchange machine is installed. A period of time during which the PIN verification check will not be performed, for example, a certain period before the opening of the store, is set in advance and the RA
It is stored in M12. The RAM further has an invalid card registration area. This registration area includes the number of cards that have been invalidated due to loss, theft, etc. (number of registrations), the employee code (and/or
or card number) are stored.

FIG. 2 shows an example of the format of a card for discharging banknotes to be exchanged, such as change reserves, without inserting them into this automatic exchange machine.

The card includes a start code, an ID mark determined according to the purpose of use of the card, an approval mark indicating that it has been approved by the company, a personal identification number unique to the operator, the above company code, store code, and the operator who owns the card. The employee code indicating the age of the card, the card number as the age code of the card, the valid code, the end code, etc. are recorded. As is well known, the PIN number is used to confirm the card holder using a PIN verification method. A valid code is incremented when the PIN is entered incorrectly a predetermined number of times in a row during a single transaction, and when this valid code reaches a predetermined value (for example 2), the card is invalidated. It is said that

This automatic currency exchange machine is capable of discharging change and school reserves using a card, and inserting banknotes to be exchanged and exchanging them for lower denominations. FIG. 4 shows an outline of the execution procedure by the CPU 10 for such processing.

First, it is determined whether a card has been inserted or not, and whether bills to be exchanged have been inserted (steps 21 and 33). When a card is inserted, the card data is read by the card reader 13, and the process proceeds to card data checking processing. When a banknote is inserted, its authenticity,
The denominations and the like are distinguished and counted, and the total amount of banknotes inserted is determined (step 34). After this, proceed to 1 currency exchange setting.

In the card check process, the code system of the read card data is first checked (step 22). The code system is JIS.

There are ASC and other things, but it is determined whether they are applied to this card. If the code system check is passed, it is then checked whether the ■D/approval mark is a predetermined one and whether the valid code is less than a predetermined value (steps 23 and 24). If these checks are OK, please check the company code in the card data,
It is checked whether the store code matches one registered in the RAM 12 (step 25) and whether it is registered in the invalid card registration area of the RAM 12 (step 26). If the company code and store code match and the card is not invalid, a check is made to see if it is a no-password check time period (step 27).

In other words, the time indicated by the output signal of the clock 19 is stored in RAM1.
It is determined whether or not the period falls within the no-password-check time period stored in 2. If it is the no-password-check time period, the process proceeds to exchange settings.

If it is not the no-password check period, the user is requested to enter the password from the keyboard of the customer service department 15 (step 28). The keyed-in PIN number and the PIN number in the card data are compared, and if they match the planned correspondence (for example, they match) (step 29),
Currency exchange using a card is possible, so proceed to the exchange settings.

If any of the above checks (steps 22-29)
If it is determined to be G, the card is returned or collected (step 35), and the process of the automatic exchange machine ends.

It goes without saying that the order of the various checks mentioned above can be determined arbitrarily.

Exchange settings can be configured in a variety of ways. You can also set the exchange by entering the desired denomination and number of coins (number of coins) on the exchange setting panel. This method is common when cash is invested. For card-using operators, in order to quickly release change reserves, an exchange pattern may be determined in advance and stored in the RAM 12 or recorded on the card, and the CPU 10 may automatically set the exchange pattern. Alternatively, several exchange patterns may be set and the desired exchange pattern may be selected using a pattern selection button.

In any case, when the currency exchange settings are completed, the contents of the currency exchange settings, predetermined card data, etc. are printed on the journal, and the banknote processing unit 18. The coin dispensing unit 17.18 dispenses and discharges the set number of coins of one denomination, and if there is a card, it is returned (step 30).

The card is removed by the operator (step 31)
If the operator or user extracts the discharged cash (step 32), the series of processing ends.

Checking both the company code and store code has the following meaning. If a card is lost or stolen by only checking the company code and checking for invalid registration, the store in question can immediately register the card as invalid in RAM 12, but other stores cannot. If there is a delay in the notification and invalidation registration process, it will become possible to withdraw cash using the card at this store. In order to prevent this, we also check the store code and use a closed system to ensure that the card can only be used at the relevant store. However, the following can be considered, so checking the store code is not necessarily necessary.

In other words, the period during which the PIN code is not checked is limited to a certain period of time, for example, a short period before the store opens, so anyone using an automatic currency exchange machine during this period must check with the register operator or It is often limited to a specific person, such as the person in charge. Therefore, even if there is a delay in registering a card that should be invalidated due to card loss, theft, etc., mutual monitoring by the above-mentioned specific persons will be in effect during this time, and those who have fraudulently acquired the card will not be able to use the card. In fact it becomes impossible.

To prevent the above cards from becoming coupons of infinite value,
By recording the number of transactions using the card and limiting the number of times the card can be used without PIN verification by setting the above time period, it is possible to reduce the damage even if the card is misused. can.

Since a password verification check is performed outside the above-mentioned time period, unauthorized use of the card is of course prevented.

[Brief explanation of the drawing]

Figure 1 is a block diagram showing the outline of the electrical configuration of the automatic currency exchange machine, Figure 2 is a diagram showing the data format of the card,
FIG. 3 is a diagram showing the contents of the RAM, and FIG. 4 is a flow chart showing the automatic currency exchange processing procedure. 10...CPU, 12...RAM. 19...Clock. that's all

Claims (1)

[Claims] A first inspection means for determining whether or not the card is a genuine card by comparing part of the information recorded on the card with reference information stored in a memory in advance; A second inspection means that determines whether the card corresponds to an invalid card stored in the memory based on other recorded information, a keyed-in password and a password recorded on the card. A third inspection means determines whether the information has a scheduled correspondence relationship, and during a predetermined time period, the above-mentioned first and second inspection means perform inspection, and at other times, at least A currency exchange capable of card transactions, comprising means for performing an inspection by the first and third inspection means, and controlling the operation to release cash of the denomination and number of coins set for exchange when the inspection is passed. Machine.