JPH01180089A - Automatic money exchanging system - Google Patents

Abstract

PURPOSE:To realize a more detailed commission charging system by sending card data to a center where the customer holding an inserted card is identified and the money exchanging commission to the customer is decided. CONSTITUTION:An automatic money-paying money exchanger accepts the depression of transactions selecting keys and the insertion of cards. When a money exchanging transactions key is depressed, the money exchanger proceeds to money exchanging transactions processing operations. When a money exchanging pattern is set after the paper money to be exchanged is accepted by the money exchanger, the exchanger transmits the card data and money exchanging pattern to a center after edition. Upon receiving the telegraphic message from the money exchanger, the message is analyzed and it is discriminated from the card data whether or not the inserted card is of its own bank at the center. If the card is of its own bank, the money exchanging commission is set to '0' yen and, when the card is of other banks, a fixed money exchanging commission is set. Then the center edits a telegraphic message including the set amount of commission and transmits the message to the money exchanger. The money exchanger discharges various kinds of money if no commission is charged and subtracts the commission if the transactions are charged ones.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Industrial Application Field This invention relates to an automatic currency exchange system that processes currency exchange transactions for a fee.

(b) Summary of the Invention The automatic currency exchange system according to the present invention allows the center that receives card data to determine the exchange fee based on this card data, thereby making it possible to diversify the fee structure and revise the fee. It was made easy.

(C) Conventional Technology An automatic money exchange machine is a device that exchanges inserted high-value banknotes into small-value cash. Incidentally, financial institutions are in the process of charging fees for automatic transactions, and there are plans to also charge fees for currency exchange transactions using automatic currency exchange machines. For this reason, automatic currency exchange machines that allow currency exchange when a predetermined fee is separately accepted, and automatic currency exchange machines that deduct the fee from the exchange money and exchange the remaining amount, have been proposed.

(d1 Problem to be solved by the invention) However, since such automatic currency exchange machines do not identify customers and charge fees for all currency exchange transactions, there is a risk that service for high-priority customers will deteriorate, and the fees will be charged. When the system was revised, maintenance was required for each device, resulting in an extremely large-scale maintenance task.

This invention was made in view of these drawbacks.
It is an object of the present invention to provide an automatic currency exchange system that solves the above problems by having a center determine fees based on card data.

(e) Means for Solving the Problems This invention provides an automatic currency exchange machine that exchanges cash inserted by a customer with a means for transmitting data of a card inserted by the customer to a center, and connects this automatic currency exchange machine and a line. means for determining a currency exchange fee for this customer based on card data received from the automatic currency exchange machine and transmitting this fee back to the automatic currency exchange machine; The present invention is characterized in that a means is provided for accepting the received commission from the customer and processing the currency exchange transaction.

(f) Function The automatic currency exchange system of the present invention accepts a customer's card during a currency exchange transaction and transmits this card data to the center. The center determines the exchange fee based on this card data. Determining the exchange fee can be done in various ways. For example, if your bank's card is inserted, it's free; otherwise, you'll be charged a fee; if your own branch's card is inserted, it's free; if you insert your own branch's card, you'll be charged a low amount; if you use another company's card, you'll be charged a high amount;
There is also a method that reads past transaction history from a customer file and makes decisions based on this. By determining the fees at the center in this way, a more detailed fee structure can be realized and the fees can be revised quickly. In addition, it is possible to easily differentiate customers.

tg>Embodiment FIG. 2 is an external view of an automatic money exchange machine used in an automatic money exchange system according to an embodiment of the present invention. Automatic withdrawal exchange machines have a currency exchange transaction processing function that converts inserted cash into a predetermined denomination, and can also process withdrawal transactions from a deposit account and also specify the withdrawal denomination. be able to. A vertical panel and a horizontal panel of a customer operation panel are provided on the front side of this automatic withdrawal exchange machine. On the vertical panel, there is a handling indicator 1 that displays the transaction status when the device is operating, an operation mode indicator 2 that displays the types of transactions that can be handled, and an amount display/setting that displays the amount inserted, exchange denomination, etc. A section 3 is provided with a cardholder exit 4 into which a bank card is inserted. In addition, on the horizontal panel surface, there is a bill insertion/receipt slot 5 where bills to be exchanged are inserted and the withdrawn/exchanged bills are discharged, an operation guide board 6 where operation instructions are posted, a PIN number and the amount to be withdrawn. Numeric keypad 7 for inputting etc.
, a transaction selection key 8 for selecting the transaction type (exchange, withdrawal, balance inquiry, partial exchange withdrawal 9 exchange withdrawal), a tube coin discharge port 9 from which a tube of coins is discharged, and a tube coin discharge port 9 from which loose coins are discharged. A coin receiving slot 10 is provided.

This device accepts the insertion of a card (bank card) during a transaction and sends this card data to the center. In a currency exchange transaction, the amount of the exchange fee is determined based on this card data. In this embodiment, it is determined that the card is free if the card is owned by the bank, and the fee (200 yen) is determined if the card is from another bank, but the transaction history and deposit balance may be read from the customer file and determined.

FIG. 3 is a block diagram of the control section of the automatic money exchange machine. A ROM 21 storing control programs and the like, a RAM 22 storing data and the like, and an interface 23 for communicating with the operating section are connected to the CPU 20 that centrally controls the operation of the device. Interface 23
This includes a customer service display section 24 that controls the display of the amount display/setting section 3 and key human power, and a bill processing section 2 that processes banknote deposits and withdrawals.
5. A coin processing unit 26 that controls the release of loose coins, a cylindrical coin processing unit 27 that controls the release of cylindrical coins, a card reader control unit 2-8 that controls the card reader, and a slip processing unit 29 that prints slips and journals. , a floppy disk control section 30 for reading and writing the floppy disk 31, and a communication control section 32 for communicating with the center 33 are connected. The bill processing section 25 has a 10,000 yen hole stocker, a 5,000 yen bill stocker, and a 1,000 yen bill stocker, and the coin processing section 26 has a loose coin stocker for 500 yen coins and 100 yen coins, and a cylindrical coin stocker. Processing part 27 costs 500 yen.

It has a stocker for wrapped coins of 100 yen, 50 yen, and 10 yen (50 coins wrapped in a cylinder).

Further, the center 33 has customer deposit account files and the like set therein. The deposit account file contains data that identifies deposit accounts and customers, as well as deposit balances.

Transaction history etc. are stored.

Figure 1 shows the control unit and center 33 of the automatic withdrawal exchange machine.
It is a flowchart showing the operation, and shows the exchange transaction processing operation. The automatic withdrawal exchange machine is nl.

Pressing the transaction selection key and inserting the card are accepted at n2. If the currency exchange transaction key is pressed (n3), the process proceeds to the currency exchange transaction processing operations from n4 onwards. If any other key is pressed, the process proceeds to the corresponding processing operation. At n4, the banknotes to be exchanged are accepted, their authenticity and amount are read, and exchange pattern settings for this amount are accepted (n5, n6). When the setting of the currency exchange pattern is completed, the card data and the currency exchange pattern are edited into a message and sent to the center (nl), and a reply message containing the amount of the exchange fee is received (n8).

If you receive a response free of charge, proceed directly to n12. Further, if the reply is that a fee is charged, a message indicating that the fee will be deducted from the input amount is displayed (nlO), the fee is deducted from the exchange pattern, and the process proceeds to n12. At n12, cash of each denomination is dispensed according to the exchange pattern (n12). Return the card (n13) and release the cash (n13).
14) Finish the transaction.

On the other hand, the center receives a telegram from the automatic withdrawal exchange machine (n20), analyzes the telegram (n21), and determines from the card data whether or not the inserted card is the bank's own card (n22). If it is a bank card, set the exchange fee to 0 yen (n23), and if it is not a bank card, set the exchange fee to 200 yen (n24). Edit the message including the set amount (n25), and send this message to the automatic withdrawal exchange machine (n26).

nl corresponds to "means for transmitting card data to the center" of this invention, n22 to n26 correspond to "means for determining exchange fee based on card data and replying to automatic exchange machine" of this invention, n11 corresponds to the "means for accepting a commission from a customer and processing a currency exchange transaction" of the present invention.

(h) Effects of the Invention As described above, according to the present invention, by sending card data to the center, the center identifies the customer and determines the exchange fee, thereby simply determining whether or not the card is owned by the customer. A variety of fee determination methods can be arbitrarily adopted, from methods that determine fees by referring to the customer's transaction history and deposit balance, making it possible to realize a more detailed fee structure. At the same time, price revisions can be implemented quickly.

[Brief explanation of the drawing]

Fig. 1 is a flowchart showing the operation of the automatic money exchange machine and the center of the automatic money exchange system according to the embodiment of the present invention, and Figures 2 and 3 are external views of the automatic money exchange machine and blocks of the control unit. It is a diagram.

Claims (1)

[Claims] (1) An automatic currency exchange machine that exchanges cash inserted by a customer is equipped with a means for transmitting the data of the card inserted by the customer to the center, and the center, which communicates with this automatic exchange machine via a line and has the customer file, A means is provided to determine a currency exchange fee for this customer based on card data received from the automatic currency exchange machine, and to send this fee back to the automatic currency exchange machine, and further causes the automatic currency exchange machine to accept the received fee from the customer and exchange money. An automatic currency exchange system characterized by providing a means for processing transactions.