JPH0218666A - Traveler's check realization device - Google Patents

Abstract

PURPOSE:To attain the automatic realization of traveler's checks by reading the identification codes proper to the checks out of those input checks and at the same time collecting these checks at a collecting part. CONSTITUTION:A reading means 9 reads the check information including the identification codes proper to the checks out of those input checks and at the same time collects these checks into a storing part 6. A calculation means 5 calculates the realization amounts of checks based on the check information. Then a payment means 4 delivers the cash out of a storing means 2 based on the result of calculation of the means 5. Thus an input check is automatically converted into the equivalent cash through the due calculation.

Description

[Detailed Description of the Invention] [Summary] An object of the present invention is to provide a travel check cashing device that can automatically cash a traveler's check, and to automatically cash a traveler's check from an inserted traveler's check to a traveler's check. means for reading check information including a unique identification code and collecting the traveler's check in a storage unit; means for calculating the cash amount of the check based on the check information; and means for storing money by denomination. means for withdrawing money from the storage means based on calculations by the calculation means; means for converting inserted traveler's checks into cash; or means for reading a customer authentication medium; and an account read by the reading means. means for transmitting transaction information including the number to the host device to request automatic transfer of the cashed amount of the traveler's check; I was exchanging money.

[Industrial application field]

The present invention relates to an automatic cashing device for traveler's checks.

In recent years, with the arrival of an internationalized society, the number of overseas travelers has been increasing year by year, and the use of traveler's checks has also been increasing due to their safety benefits against loss and theft. Therefore, there is a need for a traveler's check cashing device that can automatically cash unused traveler's checks or transfer them to a desired account.

[Conventional technology]

Conventionally, the cashing of traveler's checks has been done manually by staff at counters of banks and the like. In other words, after visually checking the traveler's check and checking the check number with the central computer, the staff will calculate the cash amount based on the type of check (type of currency and denomination, such as $100) and the cash conversion ratio at that time. [Problem to be Solved by the Invention] As described above, the conventional method has the problem that cashing a traveler's check relies on manual work by an attendant, which takes time and effort.

An object of the present invention is to provide a traveler's check cashing device that can automatically cash a traveler's check.

[Means to solve the problem]

FIG. 1 shows a block diagram of the principle of the present invention.

In Figure (1), 9 is a means for reading check information including an identification code unique to a traveler's check from an inserted traveler's check and collecting the traveler's check into the storage section 6; 5 is a means for reading the cash amount of the check based on the check information; 2 is a means for storing money by denomination; 4 is a means for withdrawing money from the storage means 2 based on the calculation by the calculation means 5.

Therefore, the system is configured to calculate the cash amount of the inserted traveler's check and convert it into cash.

In Figure (2), 7 is a means for reading the customer authentication medium, and 8 is a means for transmitting the transaction information including the account number read by the reading means 7 to the host device to request automatic transfer of the cash amount of the traveler's check. be.

Therefore, the system is configured to transfer the cash amount of the inserted traveler's check to the required account.

[Effect]

According to the present invention, the reading means 9 reads the check information including the identification code unique to the traveler's check from the inserted traveler's check and collects the traveler's check into the storage section 6, and the calculating means 5 reads the check information including the identification code unique to the traveler's check from the inserted traveler's check, and the calculating means 5 reads the check information including the identification code unique to the traveler's check. The withdrawal means 4 withdraws money from the storage means 2 based on the calculation by the calculation means 5, so when the traveler's check is inserted, the amount to be exchanged is automatically calculated and converted into cash. In addition, the reading means 7 reads the cash card, and the requesting means 8 transmits the transaction information including the account number read by the reading means 7 to the host device to request automatic transfer of the cashed amount of the travel check. By inserting a check, the cash amount will be automatically calculated and transferred to the required account.

〔Example〕

Embodiments of the present invention will be described below with reference to FIGS. 2 and 3. The same reference numerals indicate the same objects throughout the figures. Components in FIG. 2 that correspond to those in FIG. 1 are surrounded by dashed lines.

In FIG. 2, the main control unit 10 consists of a microprocessor (MPU), a memory (ROM) for storing control programs, a memory (RAM) for storing initial setting information and processing data, etc. In addition to calculating the amount to be cashed (referred to as checks), storing initial setting information downloaded from the center computation machine or setting information manually by the staff,
Each part is controlled to perform the functions of the invented travel check cashing device.

The check 20 is a check on which check information including a code unique to the check is recorded using magnetic ink characters or the like.

The collection unit 6a includes a check input slot, a pool unit 61 for temporarily retaining the input checks 20, and a magnetic ink character device (MI).
It consists of a counting section 63 that reads check information and counts the number of checks (CR), a storage box 62 that collects checks, a mechanism that transports checks, etc.

The dispensing unit 4a dispenses and transports coins from a safe 2a that stores coins by denomination, and withdraws the coins from a dispensing port (not shown).

The operation display section 3a allows you to specify the operating mode for cash conversion, exchange rate inquiries, etc., and to pay for checks by selecting ``1 cash or 1 transfer to account''.
A keyboard for specifying the payment method such as "automatic withdrawal", confirming the content displayed on the display, inputting a PIN number, etc., and a display that displays the type of check, number of checks, total amount, menu, guidance, etc. has a department.

The card reading unit 7a reads the customer's account number, password, etc. from a customer authentication medium, such as a card such as a cash card on which customer-specific information is recorded.

The line control unit 11 is connected to a center computer (or a terminal device, etc.) and transmits and receives data according to an interface such as a line and a protocol.

The transaction control unit 8a edits and transmits, via the line control unit 11, a message inquiring about the exchange rate, a message inquiring whether the check 2o can be cashed, a message inquiring whether automatic transfer is possible, and transmitting the response message. receive.

The printing unit 12 prints out details such as the type, number, and amount of checks to be issued on a receipt or journal.

The operation of the embodiment of the present invention will be explained with reference to the flowchart of FIG. 3 regarding the cash conversion operation.

■The main control unit 10 receives the exchange rate from the center computer in advance.
Initial setting information such as fees is received by the line control unit 11 and set in a memory (not shown) to put the device into operation.

- The customer selects the "exchange for cash" mode using the operation display section 3a, and specifies the method of receiving the exchanged amount (cash/automatic transfer).

■If using automatic transfer, the customer inserts the card and
Enter your PIN. The reading unit 7a reads the account number etc. from the card. In the case of receiving "cash," customer authentication is required at the central computer, so the customer performs similar operations to input customer information such as account number and password.

■The operator inserts a check 20. The collection unit 6a reserves the check 20 in the pool unit 61.

■The counting unit 63 dispenses checks 20 from the pool unit 61 and counts the number of checks, and reads the check information, and the transaction control unit 8a sends a message to the line control unit 11 that includes customer information and check information and inquires as to whether or not the check 20 can be cashed. It is sent to the center computer via .

■When a message permitting cash exchange is received from the center computer, the main control unit 10 calculates the cash exchange amount based on the exchange rate, and displays details such as the type of check, number of checks, exchange rate, and cash exchange amount on the operation display unit 3a. to request customer confirmation.

■If a positive 1111 confirmation is made and “cash” is received,
The check collection unit 6a stores the checks in the pool unit 61 in a storage box 62.
The money dispensing unit 4a counts and withdraws the coins corresponding to the exchanged amount, and the printing unit 12 prints and issues the details of the exchanged amount on a receipt.

■In the case of "automatic transfer," the transaction control section 8a includes transaction information such as the account number from the card (and the account number specified from the operation display section 3a when transferring to another account) and the total amount of the exchanged amount. Sends a message to the central computer inquiring whether automatic transfer is possible. When the transaction permission message is responded to, the main control section 1o displays the transaction result including the deposit balance in the message on the operation display section 3a and requests confirmation from the customer.

- Upon affirmative confirmation, the check 2o in the pool section 61 is collected into the storage box 62, the card is ejected, and the transaction details are printed on a receipt and issued.

Therefore, by inserting the check 20, the cash amount is automatically paid in cash or by transfer to the account.

In this embodiment, the configuration of an automatic traveler's check cashing device that is directly connected to a central computer and operated by a customer has been described. Many configuration methods are conceivable, such as a configuration in which 48 and the like are connected in the form of an input/output device, but the present invention can be similarly applied to any configuration and produce similar effects.

〔Effect of the invention〕

As explained above, according to the present invention, by inserting a traveler's check, the exchange amount is automatically calculated based on the latest exchange rate and paid in cash or by transfer to the bank account, and the cash amount is automatically calculated based on the latest exchange rate. The effect is that checks can be automatically cashed without any effort or time.

[Brief explanation of drawings]

Fig. 1 is a block diagram of the principle of the present invention, Fig. 2 is a block diagram showing an embodiment of the present invention, and Fig. 3 is a flowchart of the embodiment of the present invention. 5 is a calculation means, 6 is a storage section, 7 is a reading means, 8 is a requesting means, 9 is a collection means, 10 is a main control section, 12 is a printing section, 61 is a pool section, and 63 is a counting section.

Claims (2)

[Claims] (1) A means (9) for reading check information including an identification code unique to a traveler's check from an inserted traveler's check and collecting the traveler's check in a storage section (6); A means (5) for calculating the redemption amount; a means (2) for storing money by denomination; and a means (4) for withdrawing money from the storing means (2) based on calculations by the calculating means (5). ), and converts an inserted traveler's check into cash. (2) means (7) for reading the customer authentication medium; and means (7) for transmitting the transaction information including the account number read by the reading means (7) to the host device to request automatic transfer of the cash amount of the traveler's check; 8) A traveler's check cashing device characterized by having the following features: and transferring the cash amount of the inserted traveler's check to a required account.