JPS63269273A - Automatic exchanger/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 exchange payment machine capable of automatic payment and automatic exchange has a partial exchange payment mode in which exchange can be set for a part of the input payment amount. In this partial exchange payment mode, if the input payment amount exceeds the exchange limit set separately from the payment limit, the amount that can be exchanged will be limited to the exchange limit. Is displayed. This allows efficient management of funds and prevents coins from overflowing into the outlet for tubular coins, loose coins, etc.

Technical field This invention has a function of paying cash according to the input billed amount and a function of exchanging the received cash into cash of two denominations and quantities (two pieces) according to the exchange setting and discharging it. Regarding automatic money exchange and payment machines.

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 deposit account using these conventional single-function machines and then exchange the cash and take it home, first withdraw the deposit from the automatic teller machine, then go to the exchange machine and transfer the desired amount of money. seed.

I had to go through the steps of converting the amount into cash. 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 that has both a currency exchange function and a payment function (Japanese Patent Application No. 130035/1982).

In addition to the single functions of two currency exchanges and payments, this automatic currency exchange and payment machine can also have functions of currency exchange payment and partial exchange payment. Currency exchange payment is to release the invoiced amount of cash in one denomination and quantity according to the user's exchange settings, and partial exchange payment is to release a part of the payment invoice amount in two denominations and quantity according to the exchange settings. The remaining amount can be released in other ways, such as by combining the number of denominations according to the principle of minimum number of denominations.

For commuting to school and automatic payment machines, the amount that can be discharged in one payment transaction, that is, the payment limit is determined. Currency exchange machines also have a set limit on the amount of money that can be exchanged in a single transaction. Generally, the payment limit (for example, 500,000 yen, 1 million yen) is larger than the exchange limit (for example, 100,000 yen, 200,000 yen).

If the amount that the user wishes to exchange exceeds the exchange limit in a partial exchange payment or exchange payment transaction, the cash released will be transferred to the cash outlet (especially the tube coin and bulk coin outlet). There is a risk that the storage capacity will be exceeded and the storage capacity will be exceeded. Furthermore, if some users exchange a large amount of money, there may be a problem that the exchange L$ reserves will be insufficient and the operation of the machine will deteriorate.

SUMMARY OF THE INVENTION OBJECT OF THE INVENTION The object of the present invention is to enable an automatic money exchange payment machine partially equipped with a money exchange function to exchange and pay an appropriate amount of money.

Structure and Effects of the Invention The automatic money exchange and payment machine according to the present invention includes at least a card reading device in which a user-specific identification code is recorded, a user-specific identification code input device, and a key input device for inputting a billed amount. 1. A currency exchange setting device for setting a rain change. 1. A denomination that accepts cash for exchange and is set to be exchanged by the above-mentioned currency exchange setting device.

A cash handling device that discharges the amount of cash and also releases the amount of cash specified by the key input device or the remaining amount after setting the exchange setting; a transaction selection input means for selecting any one transaction among partial exchange payments to be released in denominations, and a currency exchange predetermined as an exchangeable amount when at least a partial exchange payment transaction is selected; A display device for displaying the limit amount.

Also, when partial exchange payment is selected by the transaction selection input means, the identification code inputted in 1 is compared with the identification code recorded on the card, and the input billed payment amount and the above exchange limit amount are checked. and a control means for displaying the payment limit on the display device and permitting exchange settings within the range of the payment limit if the requested payment amount exceeds the exchange limit. It is characterized by:

In this invention, in transactions in the partial currency exchange payment mode, a currency exchange limit is set separately from the payment limit. This limit amount may be the same amount as the exchange limit amount in a currency exchange transaction, or may be a different amount. When the requested payment amount exceeds this exchange limit amount, this exchange limit amount is displayed on the display device as the exchangeable amount, and exchange setting is allowed within the range of 9 exchange limit amounts.

In this way, when the user selects partial exchange payment, the exchange is performed according to the storage capacity of the cash outlet of the device, thereby preventing an extreme shortage of the two exchange reserves. As a result, it becomes possible to provide partial currency exchange services to more users. Furthermore, by setting the exchange limit that matches the storage capacity of the cash outlet, it becomes possible to operate the machine according to its performance.

This invention is applicable not only to partial exchange payment transactions but also to exchange payment transactions. In this case, the exchange payment mode will automatically be converted to a partial exchange payment mode.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 shows the external appearance of an automatic money exchange and payment machine 1. As shown in FIG. On the operating surface that stands up almost vertically on the front of the automatic currency exchange/payment machine 1, there is an in-transaction indicator 2. Handling mode indicator indicating operable processing modes 3. 4. Receipt outlet with printed payment transaction results. Illuminated pushbutton switch for calling staff 5. A speaker 6 for guiding the user by audibly disseminating operating procedures and other information
, a magnetic card insertion lower for confirming that the user is eligible for the transaction in payment transactions and recording the exchange pattern, etc. in currency exchange transactions, and cautioning the user at the step where the card should be inserted. A card insertion flicker display 7a is provided to prompt the user, a receipt flicker display 4a is provided to indicate that the issued receipt should be removed, and a currency exchange setting panel 8 is provided for the user to make currency exchange settings. The word "receipt" is displayed on the display 4a and blinks. Similarly, the word "CARD" is displayed on the display 7a and blinks.

In addition, on the roughly horizontal operation surface, there are a coin ejection port 911 for ejecting exchanged bulk coins, a packaged coin ejection port 12 provided with a shutter for ejecting exchanged packaged coins, and a flicker display for these coins. a bill outlet 10 provided 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; Push-button switch 11 for opening and closing the shutter of the bill slot 10. and a keyboard 13 and its flicker display 13 for inputting the billing amount, PIN number, other numerical values, and other functional information.
A is provided. The flicker display 9a displays the characters "loose coins", "wrapped coins", and "combined use of loose and wrapped coins", and the corresponding characters flash according to the type of coin to be ejected. On the flicker display 10a, there are the words "Banknote" indicating that a banknote should be inserted into the doorway 10 or that the banknote should be removed from the doorway 10, and the word "Return" indicating that the inserted banknote has been returned to the doorway 10. Characters and the word "push button" indicating that the push button 11 should be pressed are displayed, and the corresponding characters blink when these operations are to be performed. Flicker indicator 13a
``Transaction Selection'' indicating that the type of transaction should be selected.
, the characters "Password" indicating that you should enter your PIN number and the characters "Amount" indicating that you should enter the amount to be paid will be displayed, and the corresponding characters will flash when you need to enter these information. do.

Furthermore, an attendant key 1 is located at the bottom of the front of the automatic exchange payment machine 1.
4. A customer sensor I5 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.

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.

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 the deposited amount display device 2 which displays the total amount of exchanged banknotes inserted into the banknote entrance/exit IO.
11 Displays the total amount set for currency exchange, or displays the exchange limit amount or payment amount as the exchangeable amount in partial currency exchange payment transactions.221 Displays the amount for each denomination set for currency exchange. There is a set amount display 23 for each denomination. The amount to be paid in the payment mode is also displayed on the deposited amount display 21.

The exchange set amount display 22 may display the remaining amount obtained by subtracting the exchange set amount from the total amount invested. The push button switch includes 9 push button switches 24 for setting exchange denominations and a function push button 24.
There is a switch.

The function pushbutton switch includes a cancel pushbutton 27. There is a correction pushbutton 2B, a payment confirmation pushbutton 29, a card pattern exchange pushbutton 25, and a card pattern change pushbutton 26. The payment confirmation push button 29 is
To instruct that the entire billed amount (withdrawal amount) in a payment transaction, the remaining amount after subtracting the exchange setting amount from the withdrawal amount, or the remaining amount after subtracting the exchange setting amount from the input amount in currency exchange processing should be released. It is something.

Denominations include 10,000 yen bills, 5,000 yen bills, 1,000 yen bills, 500 yen coins,
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 1 yen and a transaction selection key 33 for selecting a transaction mode are provided.

Transactions that are possible with this automatic exchange and payment machine 1 include currency exchange, partial exchange payment 2 exchange payment, and payment. Currency exchange is a currency exchange in the usual sense, and the input cash is exchanged into cash of the denomination and amount according to the exchange settings and then released. Payment involves discharging the input billed amount in cash of a denomination and quantity according to a certain rule (for example, a rule such that the number of cash to be discharged is the minimum number). Partial currency exchange payment is a method in which only a part of the input billed amount is released in cash of the denomination and quantity according to the exchange settings, and the remaining amount is released according to certain rules. Exchange payment is to release the entire input billed amount in cash of the denomination and quantity set for exchange. Partial Currency Exchange 1 Currency Exchange Payment and payment transactions are permitted only to those who have an account at a bank, and identity verification processing such as PIN verification is performed.

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. The CPU 40 operates in a payment transaction mode (payment.

When making a currency exchange payment or a partial currency exchange payment, communication is made via the line control unit 43 with a control center (not shown) having a file in which the user's account is provided.

Furthermore, the CPU 40 includes an operation display section 44. Card/printer processing section 452 Banknote withdrawal section 4B and coin withdrawal section 47
is connected. The operation display section 44 includes the above-mentioned exchange setting panel 8. Various indicators 2, 3.4a.

7a, 9a, 10a, 13a, a speaker 6, a key group 5, 11° 13, a 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 not shown). ), etc., to control them.

In the payment mode, the banknote withdrawal unit 46 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 currency exchange mode, the banknote dispensing unit 46 dispenses banknotes equivalent to the withdrawal amount or banknotes set to be exchanged and releases them into the doorway 10. The type is determined, the banknotes are stored in the storage box, and one banknote of the denomination set for exchange is fed out from the storage box and discharged into the entrance/exit 10. The coin ejection section 47 is.

One denomination of loose coins set for exchange is taken out from the storage box and released into the discharge port 9, and two packaged coins of the denomination set for one exchange are taken out from the storage mechanism and released into the discharge port 12. It is something.

FIG. 5 shows a processing procedure performed when a user selects a partial exchange payment transaction in the automatic exchange payment machine 1 having the above-described configuration. When the customer sensor 15 detects the user, the automatic exchange payment machine 1 starts processing operations.

When the user presses the partial exchange payment key of the transaction selection key 33 according to the "transaction selection" flicker on the flicker display 13a (step 50.51), the process proceeds to the partial exchange payment transaction from step 52 onwards, and other If a key is pressed, the corresponding transaction processing is performed.

The characters on the card on the flicker display 7a flash to prompt the user to insert the card. When the user inserts the card into the card insertion lower, the card data is read by the card reader in the card printer processing section 45 (step 5).
2). Also, since the characters "Password" on the display 13a flash, the user uses the numeric keypad 31 of the keyboard 13 to enter his or her personal identification number, which is checked against the personal identification number in the card data. Keyed-in PIN and card
If the password in the data matches the planned correspondence (for example, matches) (step 53), then "
The text "Amount" flashes. Since the user inputs the amount to be paid using the numeric keypad 3■ of the keyboard 13, the inputted amount to be paid is displayed on the deposited amount display 21 (step 54).

Now that the data necessary for the payment transaction is complete, we move on to communication with the center. The automatic exchange and payment machine 1 sends transaction data via the line control section 43 to a control center that has a file in which the user's account is set. The center checks whether the requested payment amount is within the balance of the user's account, determines whether the payment is permitted or not, and notifies the automatic exchange and payment machine of this result.

If payment is permitted (step 55), the entered payment request amount is compared with the exchange limit pre-stored in the RAM 41 or the like (step 56). If the requested payment amount exceeds the exchange limit amount (YES in step 56), the above exchange limit amount is displayed on the exchange setting amount display 22 as the exchangeable amount (step 57).
). If the requested payment amount is less than the exchange limit amount, the requested payment amount is displayed on the display 22 as the exchangeable amount (step 58).

After this, the process moves to setting of two exchange denominations (step 59).

In other words, the amount of money that can be exchanged among the illuminated push buttons/switches 24 on the currency exchange setting panel 8 (the amount on the display 22)
The switches within the range of 24 are lit, and the user presses the desired one of these switches 24 to set the exchange denomination. The set amounts for each denomination are displayed on the display 23.

When the total amount of money set for exchange becomes equal to the exchangeable amount displayed on the display 22, the exchange setting ends (step 60). Then, the cash of the set denomination and quantity is transferred to the banknote withdrawal section 46. The coins are dispensed from the coin dispensing section 47 and passed through the entrance 10. is discharged to the discharge ports 9 and 12 (step 62),
At the same time, predetermined characters flash on the displays 10a and 9a. Further, the shutters of these 10° discharge ports 12 are opened. If the user receives this, the transaction is completed.

If the payment confirmation button 29 is pressed even if the total amount of exchange settings is within the exchange setting possible amount (step 6
1) Proceed to cash release processing. In this case, the remaining amount after deducting the total exchange setting amount from the payment request amount can be withdrawn according to the minimum number of coins rules, the maximum denomination is 1,000 yen, or you can withdraw the denomination and quantity by other methods. You can decide and withdraw money.

In the case of a currency exchange payment transaction, the requested payment amount is entered within the exchange limit amount. However, even in this exchange payment transaction, key input of an amount exceeding the exchange limit is allowed,
In that case, it may be possible to automatically shift to the above-mentioned partial exchange payment that allows exchange within the exchange limit.

Although the type of transaction is selected using the transaction selection key 33, other selection methods may be used. For example, if you insert cash, it will automatically switch to exchange mode, and if you insert a card, it will automatically switch to payment mode. When in payment mode, use the selection key to select payment 9.
Allow the customer to select currency exchange payment or partial currency exchange payment. Alternatively, if the currency exchange setting pushbutton is pressed, the payment may not be made as a payment, but as an exchange payment or a partial exchange payment.

[Brief explanation of drawings]

FIG. 1 is a front view showing the appearance of the automatic money exchange and payment machine. Fig. 2 is a front view of the exchange setting panel, Fig. 3 is a front view of the keyboard, Fig. 4 is a block diagram showing the electrical configuration of the automatic exchange payment machine, and Fig. 5 is a partial exchange payment transaction according to the present invention. It is a flow chart showing a processing procedure. 8... Currency exchange setting panel, 9... Loose coin discharge port. 10...Banknote inlet/outlet, 12...Wrapped coin outlet. 13...Keyboard. 24...Money exchange money insertion setting push button. 29... Payment confirmation push button. 31... Numeric keypad, 33... Transaction selection key. 40...CPU, 41...RAM. 46...Banknote withdrawal department, 47...Coin withdrawal department. Patent applicant Tateishi Electric Co., Ltd. Representative Patent attorney Kenji Ushiku (1 other person)

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 billed amount, and a currency exchange setting for setting a currency exchange. The device accepts cash for exchange, releases the denomination and amount of cash set for exchange by the exchange setting device, and also sends the billed amount specified by the key input device or the remaining amount of cash after the exchange is set. a cash handling device for discharging; a transaction selection input means for selecting any one transaction of at least exchange, payment, and partial exchange payment for discharging a portion of the billed amount in a denomination according to exchange settings; a display device for displaying a predetermined exchange limit amount as an exchangeable amount when at least a partial exchange payment transaction is selected; and when a partial exchange payment is selected by the transaction selection input means; The entered identification code is checked against the identification code recorded on the card, and the entered payment request amount is compared with the above exchange limit, and if the payment request amount exceeds the above exchange limit. control means for displaying a payment limit on the display device and for allowing exchange settings within the range of the payment limit; Automatic exchange payment machine equipped with