JPS63269279A - Automatic 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 (a) Industrial Field of Application This invention relates to an automatic money changer, and more particularly to a paid automatic money changer.

('b) Summary of the Invention The automatic currency exchange machine according to the present invention includes a reading means for reading a transaction card (so-called cash card) held by a customer, and a currency exchange fee based on data on the type of deposit account included in the read card data. A fee determination means is provided to determine the fee. This makes it possible to offer currency exchange transactions as a benefit to customers, and allows for differentiation according to customer priorities.

(C1 Background of the Invention) Financial institutions are currently equipped with automatic money changers that exchange large denomination bills into small denomination bills and coins.Currently, this device operates free of charge without identifying users, and all users This is the service.

However, there has been a trend among financial institutions to open automatic currency exchange machines only to customers in order to reduce equipment maintenance costs and improve customer service.

(Problem that the d1 invention aims to solve)However, charging even the bank's own customers for currency exchange leads to a decline in customer service and may cause a decrease in customers. Furthermore, it is necessary to differentiate customers from general automatic currency exchange machine users according to their importance (priority).

This invention was made in view of the current situation, and provides an automatic currency exchange machine that makes it possible to differentiate customers from other users by determining fees based on the type of deposit account the user has. The purpose is to provide.

C) Means for Solving the Money Problem The present invention provides an automatic currency exchange machine that is installed in a financial institution and performs an exchange operation of accepting banknotes to be exchanged and discharging cash of a specified denomination. a reading means for accepting a transaction card of the financial institution and reading its data; and a fee determining means for determining a fee for the exchange operation based on the account type of the read card;
The present invention is characterized by being provided with a fee receiving means that enables the currency exchange operation when the determined fee is received.

One function: The automatic currency exchange machine of the present invention reads the customer's transaction card before performing the exchange operation, and determines the exchange fee based on the data on the type of deposit account (account type) included in this card data. . The exchange operation becomes possible when the determined fee is deposited. Generally, the exchange fee may be set low for customers with large deposits such as time deposits.

Embodiment FIG. 2 is a perspective view showing the appearance of an automatic money changer according to an embodiment of the present invention. The vertical operation panel of the automatic exchange machine main body includes a transaction display 321 that displays whether or not transactions are being processed, a fee display 46 that displays the amount of the transaction fee, an operation section such as an amount setting key, and a display that displays exchange patterns, etc. A display operation section 33. A hand scanner 36 or the like is provided for users to scan their own cards. The horizontal operation panel has a coin outlet 34. Wrapped coin removal port 352 Banknote insertion/removal port 3
7th grade is provided. Inside the automatic currency exchange machine body, there is a packaged coin processing machine 422, and a banknote processing machine 43 for processing deposits and withdrawals of banknotes.
Coin processing machine 44 for processing loose coins. A control unit 45 and the like containing a main control section are provided.

In order to perform a normal currency exchange transaction using this device, the user first scans his or her transaction card with the hand scanner 36 to read the card data, and the exchange fee is determined. This exchange fee is displayed on the fee display 46. When the displayed fee is inserted, the fee display 46 indicates that the transaction is possible. Thereafter, the banknotes to be exchanged (hereinafter referred to as "exchange banknotes") are inserted into the banknote insertion/removal port 37. When the exchange pattern for the inserted amount is performed from the display operation section 33, the cash corresponding to the exchange pattern is delivered to the coin outlet 34. The packaged coins are discharged from the packaged coin outlet 35 and the banknote insertion/removal opening 37.

FIG. 3 is a block diagram of the control section of the automatic money changer.

This control section includes a main control section 10 that centrally controls the operation of the entire device, and operation sections 15 to 15 that are controlled by respective auxiliary control sections.
22 are connected to each other via an input/output interface 14 as a so-called master-slave system. The main control unit 10 is a master CPU 1. It is composed of a ROM 12 and a RAM 13 that store control programs and the like. Further, the operation section connected to the main control section 10 via the input/output interface 14 includes the display section 15 including the handling display 322 display section 33, the input section 16 including the amount setting key, and the input section 16 including the amount setting key. A card reader 17 including a hand scanner unit 36, a fee processing unit 18 including the fee processing machine 401 and a fee storage box 41, and a banknote processing machine 43.
, a coin processing section 20 including the coin processing machine 44 , a packaged coin processing section 21 including the packaged coin processing machine 42 , and a transmission control section 22 communicating with the center 23 via a line.

FIG. 4 is a diagram showing a schematic configuration of a magnetic card scanned by the hand scanner 36. This card is a general transaction card, starting from the beginning of the magnetic stripe 80 with the bank number 81. Branch number 82. Customer account number 831 account type data 84 and deposit balance data for offline transactions 8
5 is memorized. The account type data 84 is coded and stored, such as "2" for ordinary deposits, "3" for time deposits and ordinary deposits, and so on.

FIG. 1 is a flowchart showing the operation of the automatic money changer. In nl, the fee for general users is 10
0 yen is set as the fee.

n2. Transaction card scan or fee (10
0 yen) is inserted.

When the transaction card is scanned, the account type data 84 is read from the card data (n4) and its contents are determined (n5 to n?). If your savings account is only a savings account, set a fee of 50 yen (n8), and if your savings account is only a time deposit, set a fee of 10 yen (n9)
). If the deposit account is both a regular deposit and a time deposit (a so-called general account), the fee will be waived at Nl's discretion. If the card belongs to any other account, it is invalidated and the process returns to the standby operation.

When a fee of 100 yen is inserted at n3, when a fee set at n10 (50 yen or 10 yen) is input, or when the fee is waived, the process proceeds to the exchange processing operation below ni1.

ni1 and below are normal exchange transaction processing operations.

If nil, the commission display 46 displays that transaction is possible,
Insertion of exchange banknotes is accepted from the banknote insertion/removal port 37 (n12). When exchange banknotes are inserted, the setting of an exchange pattern corresponding to the amount is accepted (n13), and cash corresponding to the exchange pattern is dispensed from the banknote processing section and the coin processing section (n14), and is discharged from each outlet. (n 1
5). Please store the exchange bills that were inserted later n16)
, after performing transaction completion processing (n, 17) such as re-initializing each operating unit, the process returns to nl.

The card reader 17 and n2. n4 corresponds to the reading means of the present invention, n5 to n9 correspond to the fee determining means of the present invention, and the fee processing section 18 and n3. nlo
corresponds to the fee receiving means of this invention.

(h) Effects of the Invention As described above, according to the present invention, by reading the account type from the customer's transaction card, the exchange fee can be determined based on the type of account. Currency exchange fees can generally be set low for important customers who have time deposit accounts that deposit large sums of money. This allows us to open up currency exchange transactions as a benefit for our valued customers.
It is possible to differentiate customers from other general users and according to their importance. This also makes it possible to quickly introduce charges for automatic currency exchange machines and secure maintenance costs.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing the operation of an automatic money changer according to an embodiment of the present invention, FIGS.
The figure is a diagram showing a schematic configuration of a transaction card carried by a user of the automatic money exchange machine. 17-Card league, 36-Hand scanner section, 80-Magnetic drive, 84-Account type data.

Claims (1)

[Claims] (1) In an automatic currency exchange machine that is installed in a financial institution and performs an exchange operation of accepting banknotes to be exchanged and discharging cash of a designated denomination, prior to the exchange operation, the machine accepts a transaction card of the financial institution. a reading means for reading the data; a fee determining means for determining a fee for the exchange operation based on the account type of the read card; and a fee accepting means for enabling the exchange operation when the determined fee is accepted. An automatic money exchange machine characterized by being provided with.