JPH0765087A - Automatic cash transaction device with travel check issue and foreign currency issue functions - Google Patents

Abstract

(57) [Summary] [Purpose] Regarding automation of foreign currency exchange operations in financial institutions, in particular, to configure an automatic machine for users to purchase foreign currency or travel checks online by their own operation. [Structure] An automatic teller machine having a control unit having a conversion unit for converting foreign currency into domestic currency, a foreign currency / travel check withdrawal unit, and a signature unit.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION This device is for automating counter operations in financial institutions, and more particularly to an automatic teller machine for performing foreign currency exchange operations by the user's own operation.

[0002]

2. Description of the Related Art In the prior art, as disclosed in Japanese Patent Laid-Open No. 4-39766, when a cash deposit / withdrawal is made in a foreign currency, a deposit / withdrawal machine for depositing / dispensing the foreign currency is provided to a host device. A transaction request for a foreign currency amount is issued, and the transaction amount is converted into a domestic currency on the upper device side to perform deposit / withdrawal processing for the corresponding account.

[0003]

In the prior art, when a financial institution newly automates a foreign currency exchange operation, a foreign currency-based transaction process is newly added to a host computer system performing a domestic currency-based transaction process. It was necessary to add or install a new deposit / withdrawal machine for foreign currencies.

An object of the present invention is to provide an automated teller machine for automating foreign currency exchange operations while suppressing addition of these new facilities and modification of existing systems as much as possible.

[0005]

[Means for Solving the Problems] In order to achieve this object, a foreign currency withdrawal unit is provided as a new unit for processing foreign currency and travel checks in an automatic teller machine for depositing and paying ordinary Japanese currency cash. In order to carry out all transactions to the relevant transaction account in the host device on a domestic currency basis, by attaching a travel check / foreign currency issuing unit consisting of and a check check issuing unit, and a signature unit for acquiring / saving the user's signature, A means for converting the transaction amount into the domestic currency amount is provided in the automated teller machine.

[0006]

The present invention comprises three elements, namely, an automatic teller machine, a foreign currency / travel check issuing unit, and a sign unit. Of these, the automatic teller machine inputs information necessary for a transaction, that is, a transaction name. After performing selection, card inhalation operation, card information reading, PIN input / transaction amount input, and conversion processing of foreign currency transaction amount into domestic currency amount according to the exchange rate, with the connected host device Perform online transactions in the same amount as in the past using local currency amounts.

The foreign currency / travel check issuing unit issues a necessary foreign currency or a travel check in accordance with an instruction from the automatic cash transaction apparatus according to the result of the online transaction performed by the automatic cash transaction apparatus.

The last sign unit is composed of a sign window for the user to sign and a part for storing the acquired sign as a record, and the user can purchase a travel check by an instruction from the automatic teller machine. Get a signature that you agree.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a block diagram of an embodiment of the present invention.

Reference numerals 101 to 111 in the figure show the respective constituent elements of the automatic teller machine 100. The control unit 101 of the automated teller machine 100 according to the present invention includes a line control unit 1
03, connected to a higher-level device (host computer) 112 via a communication line 102, and a control unit 101 of the automated teller machine 100 includes a card unit 104 having a unit for reading an inhaled magnetic card or the like. Card inhaler / return port 104a for inhaling and returning magnetic cards used for transactions, and Japanese currency bill deposit / withdrawal unit 1 for depositing / withdrawing Japanese currency bills
05 and a Japanese currency bill deposit / withdrawal unit 105a, a Japanese currency bill deposit / withdrawal unit 106 and a Japanese currency bill deposit / withdrawal port 106 which are Japanese currency bill deposit / withdrawal ports.
a, a passbook printing unit 107 for printing a passbook, a passbook suction / return port 107a, and a statement slip printing unit 10 for printing a statement slip
8. A journal printing unit for printing a journal and an operation display / input unit 110 for displaying and inputting operations are connected. Further, in the present invention, the control unit 101 of the automated teller machine 100 is provided with a conversion unit 111 for converting foreign currency into domestic currency, and the control unit 101 is further provided with a foreign currency / travel check withdrawal unit 120. The foreign currency / travel check withdrawal port 120a, the sign unit 121, and the sign window 121a for actually obtaining a sign are connected.

FIG. 2 is an external view of an embodiment according to the present invention, in which an automated teller machine 100 is equipped with a foreign currency / travel check withdrawal unit 120 and a signature unit 121. Reference numeral 120 denotes a foreign currency / travel check dispensing unit, and the foreign currency / travel check dispensing unit 120 has a foreign currency / travel check dispensing port 120a. Reference numeral 121 is a sign unit, which is a sign window 121a for allowing a signature to be entered.
Is equipped with.

FIG. 3 is a flow chart showing a user operation and a movement of the automatic teller machine according to the present invention in the travel check purchase transaction business realized by the present invention. In the figure, the double frame indicates the operation of the device, and the single frame indicates the operation by the user.

As one of the embodiments of the present invention, an operation for purchasing a travel check and a flow of operation by a user will be described with reference to FIGS. 1, 2 and 3.

First, a user's automated teller machine 10
When “Travel check purchase” is selected from among several transactions displayed on the operation display / input unit 110 of 0 (step 200), the control unit 101 of the automatic teller machine 100 inhales the card of the card unit 104. Instructing the return port 104a to inhale the transaction card, and at the same time, display on the operation display / input unit 110 that the transaction card is to be inhaled. Incidentally, if a selection other than "purchase of travel check" is made, a transaction of a well-known automatic teller machine which is not described here is conducted. The transaction card is inhaled through the card inhalation / return port 104a of the card section 104, and the account information of the user recorded on the transaction card is read by the card section 104 (step 201).

Next, the control unit 101 is the operation display / input unit 1.
A message indicating that the personal identification number is to be input is displayed on 10, and the user is prompted to input his or her personal identification number from the operation display / input unit 110 (step 202).

Here, the control unit 101 is an operation display / input unit 1.
A message to the effect that the amount of foreign currency to be purchased is input is displayed on 10, and the user is prompted to input the required amount of money (for example, "2000 $").
The control unit 101 converts the amount of foreign currency into the amount of Japanese currency according to the exchange rate of foreign currency registered in advance (step 20).
3).

When the processing is completed up to this point, the control unit 101 creates a transaction telegram using the account information acquired in step 201, the personal identification number acquired in step 202, and the Japanese currency converted transaction amount acquired in step 203 as data. Data from the line control unit 103 via the communication line 102,
It is transmitted to the host device 112.

The upper-level device 111 executes an online transaction not shown here, creates a telegram indicating that the withdrawal is permitted as a result, and transmits this to the automated teller machine 100 via the communication line 102. (Step 204).

When the control unit 101 receives a message from the host device indicating that the withdrawal is permitted, the control unit 101 issues a self-written signature to the operation display / input unit 110 to confirm that the purchase of the travel check has been agreed. Is displayed, and the user is prompted to enter a signature through the signature window 121a (step 205).

In parallel with step 205, the control unit 101 instructs the foreign currency / travel check dispensing unit 120 to release the travel check amount corresponding to the transaction amount, and the foreign currency / travel check dispensing unit uses the foreign currency / travel check dispensing unit. The necessary number of travel checks are withdrawn from the travel check withdrawal port 120a (step 206).

When the signature entry is completed, the signature unit 121 stores it (step 207), and when the travel check withdrawal count is completed, the control unit 101 informs the statement slip printing unit 108.
The printing of the transaction result is instructed (step 208), and the journal printing unit 109 is instructed to print the same transaction result as the transaction history (step 209).

Parallel steps 207 and 20
8. When all the processes in step 209 are completed, the control unit 101 instructs the card unit 104 to return the previously inhaled transaction card, and at the same time receives the card to the operation display / input unit 110. A message to that effect is displayed and the user is prompted to receive the transaction card (step 210). In addition, parallel steps 207, 208, and 209
If all the processes of No. are completed, the process cannot proceed to the subsequent processes.

Next, the control unit 110 controls the statement slip printing unit 108.
Is instructed to release the statement slip that has been printed in step 208, and at the same time, the operation display / input unit 110 displays that the statement slip is received, and the user is made to receive the statement slip (step 211). .

Finally, the control unit 101 instructs the foreign currency / travel check payout unit 120 to release the travel checks counted in step 206, and at the same time, the operation display / input unit 1
A message indicating that the travel check is to be received is displayed on 10, and the user is made to receive the travel check (step 212) to end the transaction.

In this embodiment, the foreign currency / travel check withdrawal section 120 and the signature section 121 are the existing automatic teller machine 1.
Although it is installed as a separate housing next to 00,
Of course, it is possible to incorporate them in the same housing.

[0026]

According to the present invention, without changing the system of the host device connected to the automated teller machine, and on the automated teller machine that the user has been accustomed to in the past, foreign currency exchange operations and travel are possible. Check issuing operations can be automated.

[Brief description of drawings]

FIG. 1 is a block diagram of an automated teller machine of the present invention.

FIG. 2 is an external view of an automated teller machine of the present invention.

FIG. 3 is an operation and device operation flowchart of a travel check purchase transaction using the automatic teller machine of the present invention.

[Explanation of symbols]

 100 automatic teller machine 101 control section equipped with conversion means 102 communication line 103 line control section 104 card section 105 Japanese currency bill deposit / withdrawal section 106 Japanese coin deposit / withdrawal section 107 passbook printing section 111 conversion means 112 upper level device 120 foreign currency / travel check Withdrawal Department 120a Foreign currency / travel check withdrawal outlet 121 Sign section 121a Sign window

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Claims (1)

[Claims] 1. An automated teller machine which is online connected to a host device and performs transactions such as deposit, payment, inquiry, bookkeeping, transfer and transfer in a currency of a first country, wherein A conversion means for converting the transaction amount input in the currency amount other than the country's currency amount into the currency amount of the first country, and a foreign currency / travel check for counting the necessary amount of foreign currency, which is further connected to the automated teller machine. Alternatively, a travel check issuing and issuing unit, which is equipped with a foreign currency / travel check withdrawal unit, and a signature unit which is further connected to the automatic teller machine and acquires a handwritten signature of the purchaser of the check. An automated teller machine equipped with a foreign currency issuing function.