JPS63273985A - Automatic exchange system - 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 Field of the Invention This invention relates to an automatic money exchange system including a paid automatic money exchange machine.

(b) Summary of the Invention The automatic currency exchange system according to the present invention stores information on a transaction card each time a transaction is performed by an automatic transaction processing device, and when a transaction card with this memory is inserted, the automatic currency exchange system allows currency to be exchanged free of charge. A machine was set up. This allows banks to allow customers who use their automatic money exchange machines to exchange money.

(C1 Conventional technology) Currently, financial institutions are equipped with automatic currency exchange machines in which users insert cash and set an exchange pattern, and the exchanged cash is automatically released. Currently, the device is open to anyone free of charge, and if cash is inserted without customer authentication, currency will be exchanged unconditionally.

(The problem that the d1 invention aims to solve) By the way, the installation and maintenance of this device costs a considerable amount of money, and since there is a current tendency for various services to be charged, it is planned that this currency exchange service will also be charged. However, charging even the bank's own customers for currency exchange will lead to a decline in service.Furthermore, charging a fee even for exchanging cash withdrawn using the bank's automatic transaction processing equipment is There was a problem that the transaction lacked rationality.

This invention was made in view of the current situation, and aims to provide an automatic currency exchange system that opens automatic currency exchange machines free of charge to users of the bank's automatic transaction processing device.

(81 Means for Solving Problems) This invention provides an automatic currency exchange machine that performs an exchange operation of accepting banknotes to be exchanged and discharging cash of a designated denomination, and accepting a customer's transaction card and discharging cash of a specified denomination. and an automatic transaction processing device that processes deposits and withdrawals, wherein the transaction card is provided with a storage area for cumulatively storing the number of transactions by the automatic transaction processing device, and the automatic transaction processing device is configured to store the storage area for each transaction. Further, the automatic exchange machine is provided with a reception means for accepting the transaction card, and when the reception means accepts the transaction card, it reads the contents of the storage area of the transaction card and adds 1 to the transaction card. If the above is the case, the exchange permission means that enables the exchange operation, and the exchange permission means that makes the exchange operation possible, and
The present invention is characterized by providing a subtraction means for subtracting .

(f) Operation The automatic currency exchange system of the present invention stores one card in the storage area of a transaction card inserted when a transaction is made with an automatic transaction processing device.
Add. The automatic money exchange machine enables free money exchange when a transaction card whose storage area has contents of 1 or more is inserted.

As a result, the automatic exchange machine can be opened free of charge to customers who have made transactions using the automatic transaction processing apparatus, and, for example, cash withdrawn from the automatic transaction processing apparatus can be exchanged therein.

(Phantom Embodiment 2) Explanation of Configuration FIG. 3 is an external perspective view of an ATM (automatic teller machine) used in an automatic currency exchange system according to an embodiment of the present invention.

On the vertical panel surface of the customer operation panel of this ATV, there is a handling indicator 56° that indicates handling status when the device is in operation, and a bankbook insertion slot 53 for inserting a bankbook. A card insertion slot 52 into which a transaction card is inserted and a customer card discharge slot 51 are installed, and a bill deposit/withdrawal slot 54, a CRT 57, and a coin withdrawal section 55 are installed on the horizontal panel surface. A touch panel switch 58 is attached to the surface of the CR757 and the CRT
The presence or absence of contact with a finger or the like on 57 and its position are detected. At each stage of a transaction, a transaction selection key and a numeric keypad are displayed on the CRT 57, and the touch panel switch 58 detects the depression of these keys by the customer.

FIG. 4 is a block diagram of the ATM. The operation of the ATM is controlled by the CPU 61. This CPU 61 has a ROM that stores programs that define the operation of the CPU.
62. A RAM 63 and an interface section 64 for storing data output by the user are connected. The interface section 64 includes a CRT control section 65. A touch panel switch control unit 66, a floppy disk device 6 that stores object programs to be loaded into the RAM 63.
7 is connected to the passbook input/output table printer 681 which prints on the passbook and a banknote processing section 69 which performs banknote deposit/withdrawal processing.
．． Coin processing section 70. A transmission control unit 72 is connected to the journal printer 71 and the center 73 for transmitting ATM operation details.

FIG. 5 is a perspective view showing the appearance of an automatic money changer used in the automatic money changer system according to the same embodiment. On the vertical operation panel of the automatic exchange machine body, there is a handling indicator 32. A display/operation unit 33 that includes an operation unit such as an amount setting key and a display device that displays exchange patterns and the like. A card insertion slot 36 and the like into which a user inserts a transaction card is provided.

The horizontal operation panel has a coin outlet 34. A wrapped coin outlet 352, a banknote insertion/removal slot 371, a fee input opening 38, etc. are provided. Furthermore, a change return opening 39 for handling fees is provided at the lower part of the front panel. Inside the automatic currency exchange machine body, there is a fee processing machine 401 for processing coins inserted from the fee slot 38, and a fee storage box 41. A packaged coin processing machine 422 that processes packaged coins, a bill processing machine 43 that processes banknote deposits and withdrawals, and a coin processing machine 44 that processes 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 with this device, first insert a predetermined amount of fees from the fee slot 38, and then enter the transaction display 3.
2, the banknotes to be exchanged (hereinafter referred to as "exchange banknotes") are displayed in the banknote insertion/removal port 37. Operation unit 3 displays the exchange pattern of the inserted amount of money.
3, the cash corresponding to the exchange pattern is discharged from the coin outlet 34, the wrapped coin outlet 35, and the banknote insertion/removal opening 37.

When a customer using the ATV exchanges money, he/she may insert a transaction card through the card insertion slot 36 instead of paying a fee.

FIG. 6 is a block diagram of the control section of the automatic money changer.

This control unit is a so-called master-slave system in which a main control unit 10 that centrally controls the operation of the entire device and each operation unit 15 to 22 controlled by an auxiliary control unit are connected via an input/output interface 14. It is configured. Main control unit IO is master CPUI 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 a display section 15 including the display of the handling display 321 display section 33, a human power section 16 including the amount setting key, and the human power section 16 including the amount setting key. Card insertion slot 36
card reader 17 for reading a transaction card inserted from
, the fee processing unit 18 including the fee processing machine 40 and the fee storage box 41, and the banknote processing unit 1 including the banknote processing machine 43.
9, 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. 7 shows a schematic diagram of the transaction card.

The magnetic stripe 81 of the transaction card 80 has the bank number 82.
．． A branch number 83 and a deposit account number 84 are stored, and a storage area 85 is also set to store the number of transactions at the ATM. Memory contents of this memory area 85 (numeric value)
is incremented by 1 each time a transaction is made at an ATM, and decremented by 1 each time an exchange is made at an automatic money exchange machine.

■Operation explanation The flowchart shown in Figure 1 and Figures 7 (A) and (B)
) The operation of the ATV will be described with reference to the display example of the CRT 57 shown in FIG.

This ATM waits at nl-n2 until the user selects the transaction details. Selectable transaction details are withdrawal transaction or deposit transaction.

When a withdrawal transaction is selected, the process proceeds to n4 and subsequent operations based on the judgment of nl. At n4, the insertion of a transaction card is accepted, and the contents of the inserted transaction card are checked to determine whether it is valid or invalid (n5). If the transaction card is valid, the input of the password is accepted from the numeric keypad (n6), and the input password is compared with the password stored in the transaction card (n7). If the passwords match, transactions are possible and the CRT
A numeric keypad is displayed on the screen to accept input of the amount to be withdrawn (n8). Check the entered amount and balance (n9),
If the balance is equal to or greater than the withdrawal amount, the transaction is concluded and the process proceeds to nlo. This balance check may be performed online by communicating with the center or offline by referring to the balance stored in the card. At n10, 1 is added to the storage area 85 of the transaction card. After this, I returned the transaction card (n1)) and released the cash and receipt (n12).
Return to standby operation (nl, n2).

Further, when a deposit transaction is selected in the standby operation, the process proceeds to operations from n20 onwards, and first at n20, the above-mentioned n4. n5
A similar transaction card acceptance operation is performed. After transaction card authentication, an input of cash is accepted (n21), the amount of input cash is counted, and the amount is confirmed (n22).

After this, add 1 to the storage area 85 of the transaction card,
The transaction card is returned (n24), the receipt is released (n25), the transaction is completed, and the process returns to the standby operation.

Next, the operation of the automatic money changer will be explained with reference to the flowchart shown in FIG.

This automatic exchange machine waits until the user inserts a transaction card through the card insertion slot 36 or inserts coins into the fee slot 39. When coins are inserted, normal exchange operations are performed.

When a transaction card is inserted (n31), it is determined whether the card is a valid card (n32) and whether the memory content in the storage area is 1 or more (whether there is any remaining: n33), and if the card is invalid or there is no remaining card, it is determined. If not, return the card (n
42) After completing the operation, if there is a valid transaction card remaining, proceed to the exchange operation from n44 onwards.If a fee is inserted, the same operation as n44 onwards is performed.

The steps below n44 are normal exchange transaction processing operations.

At n44, a message indicating that transactions are possible is displayed on the handling display 32, and the insertion of exchanged banknotes from the banknote insertion/removal port 37 is accepted (
n45) - When exchange banknotes are inserted, the setting of an exchange pattern corresponding to the amount is accepted (n46), and the banknote processing unit 19. Coin processing section 2
After paying out from 1 (n46), subtract 1 from the memory area of the inserted transaction card (n38) and return it.n3
9), Eject the exchanged cash from each outlet (n40
), after which transaction completion processing (n41) such as storage of the exchanged banknotes that have been inserted is performed, and the operation ends.

the card issuing machine and n12. The operation of n25 corresponds to the medium issuing means of the present invention, and the operation of the card reader 17 and n41. n43 corresponds to the customer limitation means of this invention.

(h1 Effects of the invention As described above, according to this invention, customers who use an automatic transaction processing device (i.e., customers who have a deposit account with this financial institution, or customers who have an account with the financial institution but who pay a fee and make automatic transactions) By storing the number of transactions on the transaction card of the customer (customer who used the processing device), the use of the automatic currency exchange machine can be made one of the benefits for the customer.
Even if a fee is charged for the use of automatic currency exchange machines in order to secure the maintenance costs, etc., the fee can be waived for customers, and the introduction of paid automatic exchange machines can be carried out quickly. and other automatic exchange machine users.

[Brief explanation of the drawing]

1 and 2 are flowcharts showing the operations of an ATV (automatic transaction processing device) and an automatic money changer used in an embodiment of the present invention, respectively, and FIGS. 3 and 4 are an external view and a control unit of the ATM. FIGS. 5 and 6 are block diagrams of the automatic exchange machine and a block diagram of the control unit, and FIG. 7 is a diagram showing a schematic configuration of the transaction card used in the ATV and automatic exchange machine. . 17-Card league, 36-Card slot, 80-Transaction power, 95-Storage area.

Claims (1)

[Claims] (1) An automatic currency exchange machine that performs an exchange operation that accepts banknotes to be exchanged and releases cash of a specified denomination, and an automatic transaction processing device that accepts a customer's transaction card and processes deposits and withdrawals from a deposit account; In the system, the transaction card is provided with a storage area for cumulatively storing the number of transactions by the automatic transaction processing device, and the automatic transaction processing device stores one memory area in the storage area for each transaction.
Further, the automatic money exchange machine is provided with a reception means for accepting the transaction card, and when the reception means accepts the transaction card, it reads the contents of the storage area of the transaction card and calculates a value of 1 or more. An automatic currency exchange system comprising: an exchange permission means for enabling the exchange operation, if any; and a subtraction means for subtracting 1 from the storage area after the exchange operation.