JPS63269281A - 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) Field of Industrial Application This invention relates to an automatic money changer, and more particularly to a paid automatic money changer.

(b) Conventional Technology Currently, financial institutions are equipped with automatic money changers that exchange large denomination bills into small denomination bills and coins. Currently, this device is provided free of charge to all users without requiring any fees for its use.

However, financial institutions are planning to charge a fee for the use of automatic currency exchange machines in order to secure equipment maintenance costs and based on the trend of charging fees for various services.

(C1 Problem to be solved by the invention) However, since the device that accepts fees, that is, the coin mechanism, is a large device with a complicated mechanism, it occupies a large volume inside the automatic currency exchange machine, which hinders miniaturization of the device. Moreover, there is a problem that causes an increase in the causes of failure of the automatic currency exchange machine and an increase in maintenance items.Furthermore, there is a problem that the machine cannot be operated continuously unless the coins that are inserted are collected one by one. Ta.

This invention was made in view of these problems.
To provide an automatic money exchange machine which can exchange money by accepting a card storing a predetermined amount of money and which can replace the collection of a fee by subtracting the amount of the fee from the stored contents.

Means for Solving FD1 Problems This invention provides an automatic currency exchange machine that accepts banknotes to be exchanged and performs an exchange operation of discharging cash of a designated denomination, and is used as a fee for using the automatic exchange machine. A card is provided with an amount storage area that can store and rewrite the amount, and when the card is accepted, the contents of the storage area for the number of possible transactions are determined, and if there is a balance equal to or more than the exchange fee, the exchange operation is enabled. The present invention is characterized in that it includes a card accepting means and a rewriting means for rewriting the stored contents of the allowed number of usage storage area after the exchange operation by subtracting the exchange fee.

(e) Function The automatic money exchange machine of the present invention accepts a card with a predetermined balance stored therein to exchange money, and subtracts this balance instead of collecting a fee. The cards may be sold by financial institutions that install this automatic exchange machine, or may be given to customers as a service.

(fl Embodiment FIG. 2 is a perspective view showing the appearance of an automatic money changer according to an embodiment of the present invention.On the vertical operation panel of the automatic money changer main body, there is a handling display 32 that displays whether or not the machine is handling the money. .A display operation section 33 having an operation section such as an amount setting key and a display displaying exchange patterns, etc., a card insertion slot 36 into which a user inserts a card, etc. are provided on the horizontal operation panel.
Coin outlet 34. A wrapped coin outlet 352, bill insertion/removal port 37, etc. are provided. Inside the automatic money exchange machine body, there is a packaged coin processing machine 421 and a banknote processing machine 4 for processing deposits and withdrawals of banknotes.
3. A coin processing machine 44 for processing loose coins, a control unit 45 in which a main control section is housed, and the like are provided.

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 a human output interface 14 as a so-called master-slave system. The main control unit 10 is a master CPUI 1. It is composed of a ROM 12 and a RAM 13 that store control programs and the like. Further, the operating section connected to the main control section 10 via the input/output interface 14 is connected to the handling display 322.
A display section 15 including a display of the display section 33, an input section 16 including the amount setting key, and a card reader 17 that reads/writes the card inserted from the card insertion slot 36.
, a banknote processing section 19 including the banknote processing machine 43, and a coin processing section 20 including the coin processing machine 44. The packaged coin processing unit 21 includes the packaged coin processing machine 42, and the transmission control unit 22 communicates with the center 23 via a line.

FIG. 4 is a diagram showing a schematic structure of a card read and written by the card reader 17. As shown in FIG.

The magnetic stripe 51 of this card 50 has the card number 5.
2 and a balance 53 are stored. When the automatic exchange machine reads this card data, it is determined whether the card is valid or invalid based on the card number 52, and the transaction is enabled when the balance 53 is equal to or greater than the current fee.

In order to perform a currency exchange transaction using this card in the automatic currency exchange machine, the card is first inserted through the card insertion slot 36. If the card is valid, a transaction display is displayed on the handling display 32. After that, when you insert the banknotes to be exchanged (hereinafter referred to as "exchange banknotes") into the banknote insertion/removal port 37 and perform the exchange pattern for that amount using the display/operation unit 33, the cash corresponding to that exchange pattern will be exchanged with coins. Exit 34. The packaged coins are discharged from the outlet 35 and the banknote input/outlet 37. The card is returned after the fee has been subtracted from the stored contents.

Incidentally, the exchange fees for automatic currency exchange machines may change depending on the time of day, as is the case with CDs (Deposit Withdrawal Devices) currently in use. By storing the balance on the card and subtracting the amount of the fee, it is possible to easily respond to the above-mentioned change in fees, compared to a card that simply stores the number of usage points.

FIG. 1 is a flowchart showing the operation of the automatic money changer. Insertion of a card by the user is accepted at nl, and it is determined whether the inserted card is valid (n2) and whether there is a balance greater than the fee (n3). If the card is valid and has a balance, proceed to n4; otherwise, return the card (n12) and end the operation.

The operations from n4 onwards are normal exchange transaction processing operations. At n4, a message indicating that transactions are possible is displayed on the handling display 32, and the exchange banknotes are accepted from the banknote insertion/removal port 37 (n5). When exchange banknotes are inserted, the setting of an exchange pattern corresponding to the amount is accepted (n6), and cash corresponding to the exchange pattern is dispensed from the banknote processing section and the coin processing section (nl).

Thereafter, the amount of the fee at that time is subtracted from the balance storage area 53 of the inserted card (n8) and the card is returned (n9), and the withdrawn cash is discharged from each outlet (nlo). Thereafter, transaction completion processing (n11) such as storing the exchanged banknotes that have been inserted is performed, and then the operation ends.

The card reader 17 and n1 to n3 correspond to card accepting means of the present invention, and n8. n9 corresponds to the rewriting means of this invention.

! g) Effects of the Invention According to the present invention, when a card with a balance exceeding the handling fee is stored, it is possible to exchange money, thereby limiting the number of users and charging a fee for use. can do. In other words, by distributing this card as a service only to the bank's customers, the use of automatic currency exchange machines can be made a privilege only for customers, and,
By selling this card at a price corresponding to the stored balance, it is possible to charge a fee for using the automatic exchange machine and secure maintenance costs. A combined implementation of these is also possible. Furthermore, even if the use of the device is charged, there is no need to accept the fee in cash (coins), so there is no need to incorporate a complicated and large coin mechanism, and there is no risk of complicating maintenance.

Furthermore, by storing the card's balance as the card's balance, there is the advantage that it becomes easier to deal with changes in exchange fees, compared to a case where the card stores the number of times the automatic exchange machine can be used.

[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 card read by the automatic money changer. 17-Card reader, 36-Card insertion slot, 50-Card, 53-Balance storage area. Figure 1 Figure J2 Figure 4

Claims (1)

[Claims] (1) In an automatic money exchange machine that accepts banknotes to be exchanged and performs an exchange operation of discharging cash of a designated denomination, an amount storage area that stores and can rewrite the amount used as a fee for using the automatic exchange machine. a card receiving means that accepts the card, judges the contents stored in the storage area for the number of possible transactions, and enables the exchange operation if the balance exceeds the exchange fee; An automatic currency exchange machine characterized by being provided with a rewriting means for rewriting the stored contents of the available number of times storage area by subtracting the exchange fee.