JPH03290787A - automatic cash transaction device - Google Patents

Abstract

PURPOSE:To deposit only a part of inserted cash and to return the different amount as change by depositing the designated deposit amount and paying the different amount when there is the difference between the amount of the cash inserted at the time of a deposit and the designated deposit amount. CONSTITUTION:In the case of the deposit, a card or a deposit passbook as a transaction medium is inserted to a card handling part 4 or a passbook handling part 3 according to the operational guidance of a guidance panel part 5 and afterwards, the amount to be deposited of the cash is inserted to a receiving/dispensing port 6. Next, when a user designates the deposit amount, the different amount between the inserted amount and the deposit instructed amount is calculated from a control part and dispensed to the receiving/ dispensing port 6 as the change. Thus, even when the same amount of the cash as the deposit amount is not carried, the different amount from the inserted amount is dispensed as the change by designating the desired amount of the deposit.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automated teller machine for depositing or dispensing cash using a transaction medium such as a card or a bankbook.

[Conventional technology]

2. Description of the Related Art Automatic teller machines that can automatically deposit cash, automatic teller machines that can deposit and withdraw cash, and the like are now widely used. In addition, with the spread of these automatic machines, the ways in which bankbooks are used are becoming more diverse; in households, they are used as a means of thinning household finances, and in companies, they are sometimes used as a cashbook for various public expenses.

A conventional invention related to this is disclosed in Japanese Patent Application No. 1-225330. This allows you to enter internal details of the amount, additional notes on transaction details, etc. for the transaction results.

[Problem to be solved by the invention]

With conventional automated teller machines, it is possible to automatically deposit cash inserted into the device and automatically pay a specified amount, but it is preferable that only a portion of the inserted cash be deposited and the difference returned as change. In this case, the user would have to insert the required amount of cash after exchanging money, which would require a two-time process.

As a result, transactions take time, and during busy hours, there are disadvantages such as long lines forming behind the automatic teller machine.

The present invention aims to solve the above problems.

[Means to solve the problem]

In order to achieve the above object, the present invention provides an automated teller machine in which, if there is a difference between the amount of cash inserted at the time of deposit and the designated deposit amount, the designated deposit amount is deposited and the difference is It is designed to allow you to withdraw money.

[Effect]

With this automated teller machine, if you do not have the same amount of cash as the amount you want to deposit, you can insert the cash you have and then specify the amount you want to deposit, and the difference between the amount you inserted and the amount you want to deposit will be calculated.
Since you can withdraw money as change, you can speed up transaction times.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 1 to 4.

Figure 4 is an automatic cash transaction system! 1, 2 is a panel representing the type of transaction, 3 is a bankbook handling section, 4 is a card handling section, 5 is a guidance panel section for providing operational guidance to customers, 6 is a banknote deposit/withdrawal slot, and 7 is a Each shows the coin deposit and withdrawal ports.

FIG. 1 and FIG. 2 are flowcharts showing an example of the operation means of the automated teller machine 1. As shown in FIG.

FIG. 3 is a schematic configuration diagram of the banknote processing unit 8 in the automated teller machine W1, where 9 is a discrimination unit for determining the authenticity of banknotes, etc.;
103 is a temporary storage section for temporarily storing banknotes inserted by customers; 11 is a 10,000 yen storage section; 12 is a 5,000 yen storage section; 1
Reference numeral 3 denotes a thousand yen storage unit, which is connected to a deposit/withdrawal port 6 and a transport means 14, respectively.

Next, the present invention will be explained in detail. When conducting a transaction, first, the guidance panel section 5 is used to select a transaction. When making a payment, the payment transaction is performed in the same manner as a normal transaction. Balance Confirmation 9 Bankbook entry is the same as usual, so detailed explanation will be omitted. In the case of currency exchange, first, the banknotes to be exchanged are inserted into the deposit/withdrawal slot, the amount is confirmed, and then the exchanged banknotes are received and the transaction is completed.

In the case of a deposit, a card or a bankbook as a transaction medium is inserted into the card handling section 4 or the bankbook handling section 3 according to the operational guidance of the guidance panel section 5.

Then, insert the amount of cash to be deposited into the deposit/withdrawal port 6. For example, if you want to deposit 1,000 yen to a bank and only have a 10,000 yen bill on hand, insert the 10,000 yen bill. The discrimination unit 9 of the automated teller machine 1 counts the denomination and number of coins, and then the -time storage unit 1
Temporarily store at 0. After that, on the guidance panel section 5,
For example, "The insertion amount is 10,000 yen.

If you are satisfied with the deposit amount, please press the check button.

When specifying the deposit amount, please specify the amount using numbers. '' to prompt the customer to perform the next operation. Next, when the user specifies the deposit amount as "1,000 yen," the difference between the inserted amount - 10,000 yen and the desired deposit amount of 8,000 yen is withdrawn from the 1,000 yen storage unit 13 and the change is transferred to the deposit/withdrawal slot 6. Withdraw money as - The 10,000 yen bill temporarily stored in the time storage section 10 is then moved to the 10,000 yen storage section 11 and changed. Next, the transaction medium is returned to the customer and the deposit operation is completed. If you do not need change, just press Needy without specifying the amount. If there is a problem with the display of the inserted amount on the guidance panel section 5 or something else, and you want to cancel the operation, press In. . When cancel is pressed after inserting banknotes, the banknotes stored in the -time storage section are refunded.

Here, the operation method may be a guidance panel method with a touch sensor, or an input method with operation keys. Further, if coins must be included as change or hardened cash is included in the cash to be deposited, the same can be done by providing a coin processing section (not shown) using the coin deposit/withdrawal port 6.

In addition, the table V operation can be performed at any time, so that it can be dealt with in the event that a problem occurs during various transactions.

In the above embodiment, the minus hour storage section 10 is provided, but this is deleted and the inserted banknotes are directly transferred to the storage section 10 for each denomination.
1 to 13 may be stored. If the banknotes are canceled after this, the necessary banknotes are returned from the storage units 11 to 13.

〔Effect of the invention〕

According to the present invention, if you want to deposit only a portion of the inserted cash and have the difference returned as change, you do not have to perform operations twice, such as inserting the required amount of cash after exchanging money. This is not necessary, and can be done with a single deposit operation by simply specifying the desired deposit amount. Furthermore, high-speed processing of deposits is possible even during busy hours.

[Brief explanation of the drawing]

1 and 2 are flowcharts showing an example of the operating procedure of an automated teller machine according to an embodiment of the present invention, FIG. 3 is a block diagram of a banknote processing section in the automated teller machine, and FIG.
The figure is a perspective view showing the automatic teller machine. 1...Automated cash transaction device, 3...Bankbook handling department,
4...Card handling department, 5...Guidance panel department,
6... Bill deposit/withdrawal port, 7... Coin deposit/withdrawal port, 8...
・Banknote processing section, S...discrimination section, 10...-hour storage section,
11... 10,000 yen storage department, 12... 5,000 yen storage department, 13
...Thousand yen storage department. 14...Transportation means.・′−＼ Katsuma Ogawa゛6′

Claims (1)

[Claims] 1. In an automated teller machine that deposits or withdraws cash using a transaction medium such as a card or a bankbook, there is a gap between the amount of cash inserted at the time of deposit and the specified deposit amount. If there is a difference in the amount, the automatic teller machine deposits the specified deposit amount and withdraws the difference.