JPH0785191A - Automatic cash transaction device and automatic cash transaction system - Google Patents

Abstract

(57) [Summary] [Purpose] To settle a fractional transaction amount between different financial institutions in an automated teller machine and system that handles foreign currencies, etc. for which the minimum settlement unit (thousand yen) has been established. . [Structure] When the transaction amount of the user 35 has a fraction less than the minimum settlement unit, the automated teller machine 34 of the bank A 31 raises this transaction amount to the second transaction amount which has been raised to the minimum settlement unit, and the bank B The payment is made with 32, and the difference between the second transaction amount and the transaction amount input by the user is returned to the user 35. [Effect] By using the second transaction amount that has been raised to the minimum unit amount for settlement for interbank settlement, settlement with other banks is possible.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash automatic transaction device and a cash automatic transaction system for settlement of a transaction amount between a plurality of financial institutions connected to a network by using a cash automatic transaction device, and more particularly, between financial institutions. The present invention relates to an automated teller machine and an automated teller system that settle a transaction amount determined as a minimum settlement unit for foreign currency bills or traveler's checks, etc.

[0002]

2. Description of the Related Art In recent years, financial institutions have realized automatic bill payment or issuance of foreign bills or travelers checks using an automated teller machine. For example, when a user wishes to exchange dollar bills, By entering the desired amount of dollar bills, inserting a bank cash card for payment of exchange, and entering a personal identification number, it is possible to exchange desired dollar bills and convert the dollar bills according to the exchange rate for card settlement. Has been done. Note that as a document describing an automatic transaction processing system of a financial institution that processes the transaction demanded amount in the foreign currency into a domestic currency by a host computer and processes it, for example, there is JP-A-4-39766.

[0003]

SUMMARY OF THE INVENTION The automatic transaction processing system according to the above-mentioned prior art is capable of automatically exchanging or issuing foreign banknotes or traveler's checks, etc. in a specific financial institution using a cash automatic transaction device and making a settlement. However, there is a constraint on financial institution alliance that foreign currency banknotes with other financial institutions must be settled in the minimum amount of banknotes to be transacted, specifically in 1,000 yen units in Japan today. Therefore, for example, if there is a fraction of less than 1,000 yen due to the exchange rate, there is a problem that settlement between financial institutions is not possible.

An object of the present invention is to solve the above-mentioned problems of the prior art, and an automatic teller machine and a cash that can settle a transaction amount for which a minimum settlement unit is set even between different financial institutions. It is to provide an automatic trading system.

[0005]

In order to achieve the above object, the present invention is an automatic teller machine for settlement of a transaction amount for which a minimum settlement unit is set among a plurality of financial institutions connected to a network. If the minimum unit of transaction amount by the person is less than the minimum settlement unit, the transaction amount is converted into the second transaction amount advanced to the minimum settlement unit for settlement, and the transaction amount by the user and the second transaction amount are set. The first feature is that the difference between the above is returned to the user.

Further, in the automatic cash transaction system according to the present invention, when the minimum unit of the transaction amount by the user in the automatic cash transaction apparatus of one financial institution is less than the minimum settlement unit,
The automated teller machine of one financial institution sets a second transaction amount obtained by moving the transaction amount to the minimum settlement unit, and uses the second transaction amount to settle with the other financial institution, and The second feature is that the difference between the transaction amount by the user and the second transaction amount is returned to the user.

Further, the present invention uses a cash automatic transaction apparatus between a plurality of financial institutions connected to a network to settle a transaction amount of a foreign bill or a traveler's check for which a minimum settlement unit between financial institutions is settled. In the system, when the user uses the other financial institution card to pay or issue foreign banknotes or traveler's checks from the automated teller machine of one financial institution, the minimum unit of the transaction amount is less than the minimum settlement unit. At this time, the automated teller machine of one financial institution sets a second transaction amount obtained by raising the transaction amount to the minimum settlement unit, and uses this second transaction amount to make a card transaction with the other financial institution. A third feature is that the difference between the transaction amount by the user and the second transaction amount is returned to the user while performing the process.

[0008]

In the automatic teller machine according to the first feature, when the minimum unit of the transaction amount by the user is less than the settlement minimum unit, the transaction amount is converted into the second settlement amount which is advanced to the settlement minimum unit. When the settlement is performed and the difference between the second transaction amount and the transaction amount by the user is returned to the user as change, the transaction amount with the minimum settlement unit can be settled.

The second feature of the automatic transaction processing system is that when the transaction amount of a user at a financial institution is less than the minimum settlement unit, the settlement amount with the other financial institution is increased to the minimum settlement unit. While using the transaction amount,
By returning the difference between the second transaction amount and the transaction amount by the user to the user as change, it is possible to settle the transaction amount for which the minimum settlement unit is set even between different financial institutions.

Further, in the automatic transaction processing system according to the third feature, when the transaction amount of a foreign bill or a traveler's check for which the minimum transaction unit between different financial institutions is settled is settled, the minimum transaction amount unit of the user is If the minimum payment unit is less than the minimum payment unit
The minimum settlement unit is set even between different financial institutions by converting the transaction amount to the transaction amount and returning the difference between the second settlement amount and the transaction amount by the user as change. You can settle the transaction amount of foreign banknotes or travelers checks.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of an automatic teller machine and an automatic teller system according to the present invention will now be described in detail with reference to the drawings. FIG. 1 is an external view showing an automated teller machine applied to an automated teller system according to this embodiment, FIG. 2 is a diagram for explaining a circuit and a mechanism of the automated teller machine,
3 is a diagram for explaining a settlement transaction between banks equipped with the automatic cash transaction apparatus, and FIG. 4 is a flow chart showing an operation of the automatic cash transaction apparatus shown in FIG.

The automated teller machine applied to this embodiment displays a guidance screen and an announcement screen for a user as shown in FIG. 1, and a guidance display section 3 for inputting a user's operation through a touch panel or the like. T / which ejects foreign banknotes and traveler's checks (T / C) to users
C. Banknote discharge port 2, insertion and discharge port of bank cash card, and insertion and discharge port 4 of card etc. for discharging transaction statement,
A coin outlet 1 is provided for returning to the user a coin (change) of a difference between a transaction amount of foreign banknotes and the like and a transaction settlement amount by cash card, which will be described later.

The internal construction of this apparatus is as shown in FIG.
An interface unit 21 for performing data communication with a host device, a customer operation unit 26 for controlling the guidance display unit 3 to display operation guidance and input a customer operation by a touch panel, and the car. A magnetic card and statement sheet including a magnetic card section 221 for reading and processing the magnetic stripe of the cash card inserted from the card insertion / ejection port 4 and a statement sheet index printing section 222 for printing transaction details on a statement sheet. A printing mechanism 22, a T / C / banknote issuing mechanism 23 that issues foreign banknotes and travelers checks (T / C) and discharges them from the outlet 2 to the user, and a coin of change into the coin outlet 1. A coin withdrawal mechanism 24 for withdrawing money, a purchaser application printing mechanism 25 for obtaining a purchaser's handwritten signature required when purchasing a traveler's check, and storage and storage of transaction information. Comprising processing a flexible disk 27 and magnetic disk mechanism 28 for performing a control unit 20 for controlling these mechanisms circuits, and a power supply unit 29 supplies power to the respective mechanisms circuits.

The automated teller machine constructed in this way is
As shown in FIG. 3, a user 35 who is placed in each financial institution, for example, a plurality of banks A and B, and has an account of, for example, bank B, uses the automatic teller machine 34 of bank A 31 to make a transaction 36, and The settlement between the banks A and B is performed via the inter-bank network 33.

In the automatic cash transaction system configured as described above, for example, a user having an account of Bank B and a cash card uses the automatic cash transaction apparatus 34 of Bank A 31 to exchange foreign currency bills. The procedure for performing step 36 will be described mainly with reference to FIGS. 3 and 4. First, the automatic teller machine 34 shown in FIG. 3 displays operation guidance of the user, such as T / C purchase guidance, foreign currency bill exchange guidance, and other selection items in the guidance display unit 3 in the standby state. The user holds the operation in a state where any item on the guidance display unit 3 can be selected. When the user 35 presses the corresponding item key in order to exchange foreign currency bills (step 41 in FIG. 4), the automatic teller machine 34 inserts or removes a card or the like of the cash card on the guidance display unit 3. Exit 4
Insertion guide is displayed, and the user follows the guide.
After inserting the cash card into the card insertion / discharging port 4 (step 42), the magnetic card unit 221 reads the magnetic stripe and inquires about the personal identification number or the like via the interface unit 21 with the host device. , Input guidance of the exchange amount is displayed on the display unit 3. When the user inputs the exchange amount, for example, the exchange amount to 100 dollars according to this guide (step 43), the automated teller machine 34 performs conversion into a Japanese currency amount and settlement possible amount processing (step 44) according to the exchange rate. . In this step 44, for example, the exchange rate is 105.16 yen per dollar and the amount converted into Japanese currency is 1.
In the case of 0.516 yen, this is a process of rounding up 516 yen to the minimum settlement unit (1000 yen) to 11,000 yen.
The rounded amount is corrected for settlement between banks and is referred to as a second transaction amount in this specification.

Next, the automated teller machine 34 communicates with the central processing unit of the A bank 31 via the interface section 21 (step 45) to request a transaction, and the central processing unit of the A bank 31 is shown in FIG. The settlement transaction request message with the second transaction amount is transferred to the B bank 32 via the inter-bank network 33 shown. Here, when the central processing unit of the bank B 32 normally completes the processing and the normal response message is returned to the central processing unit of the bank A 31 via the interbank network 33,
The processor sends the normal response message to the automatic teller machine 34.
Report to.

The automated teller machine 34 that receives this report
Calculates the difference, that is, the change, between the user's 35 converted amount in Japanese currency and the second transaction amount obtained by rounding up the converted amount (step 46), and returns the change to the user 35 by the coin withdrawal mechanism 24 (step). After 47), the cash card is returned (step 48), and the statement sheet on which the transaction details are printed by the statement sheet printing section 22 is ejected from the card insertion / ejecting outlet 4, and the processing ends.

As described above, in the automatic teller machine according to this embodiment, when the minimum unit of the transaction amount by the user is less than the minimum settlement unit (thousand yen), the transaction amount by the user is moved up to the minimum settlement unit. It is possible to settle the transaction amount in which the minimum settlement unit is determined by converting the transaction amount into a transaction amount and making a settlement, and by returning the difference between the second transaction amount and the transaction amount by the user as change to the user. . Further, the automatic cash transaction system according to the present embodiment can settle the transaction amount of a foreign bill or a traveler's check for which the minimum settlement unit is set, even between different financial institutions, by using the automatic cash transaction apparatus.

[0019]

As described above, according to the automatic teller machine of the present invention, the settlement amount is settled by the second transaction amount which is the minimum settlement unit, and the second transaction amount and the transaction amount by the user are set. By returning the difference amount as a change to the user, it is possible to settle the transaction amount for which the minimum settlement unit is determined. Further, in the automatic cash transaction system according to the present invention, the transaction amount for which the minimum transaction unit is determined by using the second transaction amount even between different financial institutions, for example, the transaction amount which causes a fraction due to the exchange of foreign bills or travelers checks. Can also be settled.

[Brief description of drawings]

FIG. 1 is a diagram showing an embodiment of an automatic teller machine according to the present invention.

FIG. 2 is a diagram showing a configuration of a mechanical circuit of the automatic teller machine of FIG.

FIG. 3 is a diagram for explaining a settlement transaction between banks provided with the automatic teller machine.

FIG. 4 is a flowchart showing operations of the automatic teller machine and the automatic teller system.

[Explanation of symbols]

1: coin receiving slot, 2: T / C / banknote receiving slot, 3: guidance display section, 4: card entrance, 31: A bank, 32:
Bank B, 33: interbank network, 34: automated teller machine.

Claims (3)

[Claims] 1. An automated teller machine that setstles a transaction amount for which a minimum settlement unit is set between a plurality of financial institutions connected to a network, wherein the minimum unit of transaction amount by a user is less than the minimum settlement unit. In this case, the transaction amount is converted into a second transaction amount which has been raised to the minimum settlement unit for settlement, and the difference between the transaction amount by the user and the second transaction amount is returned to the user. Automatic transaction equipment. 2. An automated teller system for settlement of a transaction amount for which a minimum settlement unit is set by using an automated teller machine between a plurality of financial institutions connected to a network,
If the minimum unit of transaction amount by the user in the automated teller machine of one financial institution is less than the minimum settlement unit, the automated teller machine of one financial institution raises the transaction amount to the minimum settlement unit. (2) A transaction amount is set, the second transaction amount is used to settle with the other financial institution, and the difference between the transaction amount by the user and the second transaction amount is returned to the user. An automated cash transaction system characterized by the fact that 3. A cash automatic transaction system for settlement of a transaction amount of a foreign banknote or a traveler's check in which a minimum settlement unit between financial institutions is set by using a cash automatic transaction device between a plurality of financial institutions connected to a network, When the user uses the other financial institution card to pay or issue foreign banknotes or travelers checks from the automated teller machine of one financial institution, when the minimum unit of the transaction amount is less than the minimum settlement unit The automatic teller machine of one financial institution sets a second transaction amount obtained by moving the transaction amount to the minimum settlement unit, and uses the second transaction amount to perform card settlement with the other financial institution, An automatic cash transaction system, wherein the difference between the transaction amount by the user and the second transaction amount is returned to the user.