JPS63311588A - 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 that allows only specific customers to perform money change operations.

(b) Summary of the Invention The automatic currency exchange machine according to the present invention is provided with a card acceptance means for accepting a transaction card used in a transaction by an automatic transaction processing device, and if the transaction is within a certain period of time from the latest transaction using the accepted transaction card. Allowed currency exchange for free. This allows only customers who make deposits and withdrawals to be allowed to exchange money.

(C) Prior Art Presently, financial institutions are equipped with automatic money exchange machines in which both parties insert cash and set an exchange pattern, and then the exchanged cash is released. This automatic money exchange machine is currently open to anyone for free, and if cash is inserted, money will be exchanged unconditionally.

(d) Problems that the 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. ing. However, charging even the bank's own customers for currency exchange would lead to a decline in service, so it is desired to realize an automatic currency exchange machine that can provide currency exchange services free of charge to the bank's own customers.

This invention was made in view of the current situation, and aims to provide an automatic currency exchange machine that allows customers who use the bank's automatic transaction processing device to exchange money free of charge for a certain period of time.

(81) Means for Solving Problems This invention comprises a center having a deposit account file, and an automatic transaction processing device that accepts a transaction card in which a deposit account number is stored, communicates with the center, and processes the transaction. In an automatic currency exchange machine that is used in a financial institution with an exchange operation and performs an exchange operation of accepting banknotes to be exchanged and discharging cash of a specified denomination, transaction card acceptance means for accepting the transaction card and reading the card data; Inquiry means for inquiring the center about the latest transaction date using the transaction card using the read account number of the transaction card, and exchange permission means for permitting the exchange operation if a certain period of time has not passed since the latest transaction date. It is characterized by

([1 Action] The automatic money exchange machine of this invention first accepts the user's transaction card, and queries the center for the latest transaction date using the account number stored on the transaction card. Currency exchange will be allowed free of charge within a certain period starting from 2020.

In this way, it is possible to exchange money for a fee for passengers and free of charge for customers.

(g) Examples. Center 1 has deposit account files for all customers, and connects ATMs installed in financial institution stores and general retail stores via dedicated lines and public phone lines.
(Automatic transaction processing device) 3 and automatic currency exchange machine (BTR). As shown in FIG. 3, the data for each customer in the deposit account file 2 consists of data including an account number (Ml), deposit balance (M2), and latest transaction data (M3). The latest transaction data is the transaction date (M31),
It consists of transaction type (M32) and transaction amount (M33). The latest data is updated every time there is a transaction.

FIG. 4 shows a schematic diagram of the transaction card used in this system. A magnetic stripe 51 is formed on the card 52, and data including an account number 52 is stored on the magnetic stripe 51. The customer inserts this card into the ATM 3 and performs transactions such as deposits and withdrawals. The transaction data is sent to the center 1, and the deposit account file 2
is memorized. When the customer exchanges money, the card is inserted into the card reader of the exchange machine 4 to authenticate the customer.

FIG. 5 is a perspective view showing the appearance of the automatic money changer. On the vertical operation panel of the automatic exchange machine body, there is a handling indicator 32. Display operation section 33 having an operation section such as an amount setting key and a display device that displays exchange patterns, etc.
．． A card insertion slot 36 or the like is provided into which a user inserts a transaction card used for transactions such as deposits and withdrawals at the ATM.

The horizontal operation panel has a coin outlet 34. A wrapped coin outlet 35, a banknote insertion/removal slot 372, a fee input opening 38, and the like 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 42 that processes packaged coins, and a banknote processing machine 43 that processes banknote deposits and withdrawals. Coin processing machine 44 for processing loose coins. A control unit 45 and the like containing a main control section are provided.

FIG. 6 is a block diagram of the fraudulent opening 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 each operation section 1 that is controlled by an auxiliary control section.
5 to 2 are connected via an input/output interface 14 to form a so-called master-slave system. The main control unit IO is composed of a master CPU II, a ROM 12 storing control programs, etc., and a RAM 13. Further, the operating section connected to the main control section 10 via the input/output interface 14 is connected to the handling display 32.
2 display section 15 including a display 33, an input section 16 including the amount setting key, a card reader 17 that reads the card inserted from the card insertion slot 36, the fee processing machine 40, and the fee storage box 41. A fee processing section 18 including a banknote processing section 19 including the 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 center via a line. The transmission control unit 22 communicates with the 23.

FIG. 1 is a flowchart showing the operation of the control section of the automatic money changer. nl accepts card insertion by the user. This card is a transaction card with which transactions are performed on the ATV. Determine whether the inserted card is a valid card or not using n2, and if it is a valid card, read out the data of the card and refer to the center. n3) Receive data such as the latest transaction date. . It is determined whether this date is within a certain period of time from the received latest transaction date (n4), and if it is within a certain period of time, the process directly proceeds to n7. If a certain period has passed, request a fee at n5, and n6
After determining that the fee has been inserted, proceed to nl.

The processing operations below n7 are normal processing operations. At nl, the handling display 32 displays the fact that transactions are possible, and the exchange banknotes are accepted from the banknote insertion/removal port 37 (n8). When exchange banknotes are inserted, the setting of an exchange pattern corresponding to the amount is accepted (n9), and cash corresponding to the exchange pattern is dispensed from the banknote processing section 19 and the coin processing section 20 (nlo).
. Thereafter, the inserted card is returned (n1l), and the dispensed cash is discharged from each outlet (n12). After the released cash is extracted, the termination process is performed (n14
) Finish the action.

The card reader 17 and nl correspond to the transaction card accepting means of this invention, and n3 corresponds to the inquiry means of this invention,
n4 corresponds to the exchange permission means of this invention.

(I) Effects of the Invention As described above, this invention allows users to exchange money for free if they use an automatic currency exchange machine within a certain period of time after making a transaction at an ATM. As a result, the automatic currency exchange machine can always be opened free of charge to customers who make frequent transactions, and even if the automatic currency exchange machine is charged a fee, the deterioration in service to customers can be minimized.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the operation of an automatic money exchange machine that is an embodiment of the present invention, FIG. 2 is a diagram showing the configuration of an online transaction system including the automatic money exchange system, and FIG. The fourth transaction diagram is a partial configuration diagram of the transaction card used in the online motherboard system, and FIGS. 5 and 6 are diagrams showing part of the automatic currency exchange machine according to the embodiment FIG. 2 is an external view and a block diagram of a control unit. l-center, 2-deposit account file, 3-ATM, 4-automatic money exchange machine, 22-transmission control unit.

Claims (1)

[Claims] (1) Banknotes used and exchanged at financial institutions that have a center that has a deposit account file and an automatic transaction processing device that accepts transaction cards with deposit account numbers stored and communicates with the center to process transactions. In an automatic currency exchange machine that performs an exchange operation of accepting and discharging cash of a designated denomination, a transaction card accepting means for accepting the transaction card and reading the card data, and a transaction card receiving means for accepting the transaction card and reading the card data, and a transaction card using the account number of the read transaction card. An automatic currency exchange machine characterized by being provided with an inquiry means for inquiring the center about the latest transaction date, and an exchange permission means for permitting the exchange operation if a certain period of time has not passed since the latest transaction date.