JPS63271691A - automatic transaction device - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] [Summary] An automatic transaction device for a financial institution, etc., comprising a counting means for counting the balance of cash stored in a cash storage means each time a withdrawal is made;
A detection means for detecting that the balance has decreased to a predetermined amount, a calculation means that is activated based on the detection output of the detection means and calculates the withdrawal limit from the counted balance, and the calculated withdrawal limit. By providing a setting means for setting a withdrawal limit and conducting a transaction according to the withdrawal limit of the setting means, it is possible to effectively withdraw money to a small amount remaining, thereby improving the service.

[Industrial application field]

The present invention relates to an automatic transaction device, and more particularly to an automatic transaction device that can withdraw even a small amount of money even if the remaining money in a cash storage box decreases to improve service.

Recently, as part of the online banking system 11, automatic cash payment machines (Au
tomatic Teller Machine: A
TM) and automatic teller machines (Cash Dispe)
Automatic transaction devices such as NSER (hereinafter referred to as CD) are widely used. These devices use magnetic cards, IC cards (hereinafter referred to as cards), etc. to perform transactions, such as deposits, payments, and bookkeeping.

The number of possible transaction modes, such as transfers, is increasing.

Due to its convenience, its usage is increasing, and small transactions are also increasing.

Although such devices are suspended when the amount of cash stored in the cash storage safe decreases to a predetermined amount, the predetermined amount must be set with a margin to ensure that there will be no shortage of withdrawals during transactions. There is.

Therefore, there is a need for a method that allows transactions even if the amount reaches a predetermined amount, as long as the amount is within that range.

[Conventional technology]

FIG. 4 shows a block diagram of a CD in a bank, etc. In the figure, the CDI includes a main control unit 10. Operation display section 11. Card reader 121 Bankbook read/write section 13゜Printer section 14. Identification unit 15 which performs denomination identification of cash to be withdrawn.
Counter 16 for counting cash classified by denomination. A storage safe in which cash to be withdrawn is stored by denomination (for example, 8,000 yen notes and 10,000 yen notes) and near-end sensors SI and S for the storage capacity by denomination.
2. End sensor S3. Cash storage section 17a with S4
, a balance counter 18a, 1 to which the number of coins for each denomination is set when cash is stored in the cash storage section 17a at the start of business, etc.;
8b and a withdrawal limit setting section 19a, and is connected to a host (not shown) via a line.

Therefore, when a customer pays out a deposit, he or she first inserts his or her card and then enters his or her personal identification number. When the personal identification number is verified, a guidance prompting the customer to enter the amount to be paid is displayed. The display usually includes a maximum withdrawal amount (for example, 1 million yen). This withdrawal limit amount is initially loaded from the host at the start of operation and set in the withdrawal limit setting section 19a.

When a requested payment amount within the withdrawal limit is input from the operation display unit 11, the input amount is displayed, and when the customer presses a confirmation button, a transaction inquiry message is sent to the host and a response indicating whether the transaction is possible or not is sent.

Based on this, the CDI sends out the requested amount of cash from the cash storage section 17a, a receipt is printed in the printer section 14, and the cash, receipt, and card are sent out. If the response message indicates that transactions are not possible, transaction not possible is displayed and the card is sent.

Here, the amount of cash stored in the cash storage section 17a decreases sequentially due to withdrawal, and when either the 10,000 yen note or the 1,000 yen note reaches a predetermined amount, first the near-end sensors S1 and S2
Detected by one of the above, the person in charge sends a signal to a monitoring device (not shown) that is being monitored by the person in charge. Depending on the situation, the cash is replenished, but the transaction continues without being replenished until the secondary predetermined amount is reached and the end sensor S3. If any of S4 is detected, a payout suspension indication is displayed and the next transaction is stopped.

Here, the -next predetermined amount is the above 1 million yen (-
The withdrawal limit for each transaction is determined by the mechanical limitations of the device, etc.), for example, it is set to 2 million yen, and 20 1,000 yen notes can be sent in one transaction. Since the amount is less than 50, the secondary predetermined amount is set to about 50 coins, and the secondary predetermined amount is set to about 1 million yen for 10,000 yen notes and 20,000 yen for 1,000 yen notes.

[Problem that the invention seeks to solve]

According to the above-mentioned conventional method, the amount of cash stored in the cash storage section 17a gradually decreases and is detected by the near-end sensors Sl and S2 to prompt replenishment, and further detected by the end sensor S2 to stop the transaction. , near-end sensor Sl, S
When detected in step 2, there is still a considerable amount of cash remaining, but it must be replenished, so it is not replenished when business hours are near the end, and unmanned operations outside business hours and on holidays are increasing. Near-end sensor Sl
, S2 is naturally not replenished, and the end sensor S
3. It is detected in S4 and the transaction is stopped. Therefore, this will lead to a decline in service.

Also, end sensor S3. When the next transaction is stopped by S4, there is a remaining amount in the cash storage section 17a that is about the limit for one withdrawal, and the actual withdrawal amount is often between 20,000 and 50,000 yen. There is a problem in that it cannot be used even though it can be paid out.

[Means for solving problems]

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

In the figure, 17 is a cash storage means, 18 is a counting means for counting the remaining amount of cash stored in the cash storage means, and 2 is a detection means for detecting that the remaining amount has decreased to a predetermined amount. 3 is a calculation means that is activated based on the detection output from the detection means 2 and calculates the withdrawal limit from the remaining balance each time thereafter, 19 is the withdrawal limit calculated by the calculation means; is a setting means for setting.

Therefore, it is configured to perform transactions according to the withdrawal limit set in the setting means 19.

[Effect]

Each time a withdrawal is made, the remaining money stored in the cash storage means 17 is counted by the counting means 18, and the detecting means 2 detects that the remaining money has decreased to a predetermined amount.

Based on this detection output, the calculation means 3 calculates the withdrawal limit from the remaining balance, sets the calculated withdrawal limit in the setting means 19, and conducts a transaction with the set withdrawal limit.
It is possible to respond to small payments, improve services by effectively using remaining funds, reduce transaction stoppages of equipment, and support unmanned operation outside business hours and on holidays.

〔Example〕

An embodiment 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. In FIG. 2, parts corresponding to those in FIG. 1 are shown surrounded by a dashed line.

In FIG. 2, the calculation unit 3a has a near-end sensor Sl.
, S2 starts based on the detection signal, and the cash storage section 17
The withdrawal limit amount is calculated for each subsequent withdrawal, taking into account the error in the balance in a.

The withdrawal limit setting section 19b is initially loaded from the host at the time of opening, and the withdrawal limit is set, and the withdrawal limit calculated by the calculation section 3a is updated and set.

Since it has such a configuration and function, the operation will be explained using the flowchart shown in Figure 3.■ First, is the normal withdrawal limit of 1 million yen the withdrawal limit? The transaction is started by setting in the setting section 18b.

- Withdrawal transactions are repeated, and the remaining amount is counted by the remaining amount counters 18a and 18b each time the withdrawal is made.

(2) When the remaining money in the cash storage section 17a decreases and one of the near-end sensors St and S2 detects that it has reached a predetermined amount, a detection signal is sent to the main control section 10a.

For example, assume that the number of ten thousand yen bills reaches a predetermined number (for example, 70) and is detected by the near-end sensor S1.

(2) Then, the main control section 10a sends a near-end signal to a monitoring device (not shown) to notify it.

(2) The main control section 10a also sends the remaining amount counted by the remaining amount counter 18a to the calculation section 3a.

(2) The calculation unit 3a calculates a set value of 600,000 yen by subtracting 100,000 yen from the remaining amount of the count (700,000 yen) considering the error, and sets the remaining amount counter 18a to 60 coins.

■The data of 600,000 yen is also sent to the withdrawal limit setting section 19b, and the withdrawal limit is updated from 1,000,000 yen to 600,000 yen.

■The set withdrawal limit is displayed on the operation display unit 11 as "This device allows payments up to 600,000 yen," and from then on, transactions are performed with the withdrawal limit set at 600,000 yen.

■As the count balance gradually increases, the withdrawal limit is updated and set in the same manner as in the flow from ■, and the transaction is performed with that amount displayed.

[Phase] Transactions are suspended when the remaining count reaches a predetermined amount (1, for example, 20 10,000 yen notes).

■When the number of 1,000 yen bills reaches a predetermined amount (for example, 20) and is detected by the near-end sensor S2, the main control unit 10a that has received the detection signal sends a near-end signal to the monitoring device to notify it, and the operation display 11 displays the message ``This device allows payments in units of 10,000 yen'' and stops sending out 1,000 yen notes thereafter.

Various application examples can be considered for the embodiments described above. That is, (a) When the remaining amount counter 18a is set to 60 coins in (■) above, the withdrawal limit is set to 200,000 yen and the message ``This device allows payments up to 200,000 yen'' is displayed; From now on, by setting the withdrawal limit to 200,000 yen and conducting transactions, the remaining balance can be used to serve many customers who make small withdrawals.

(b) Assuming that the customer's transaction card or passbook is inserted when the withdrawal limit is set to 600,000 yen in (■) above,
The customer's payment limit a is read, the customer's payment limit a is inquired of the host, and a response is received. This method compares the payment limits a and b and the withdrawal limit of 600,000 yen, sets the smallest amount as the payment limit, and displays that amount.The withdrawal limit is set individually by referring to the customer's payment limit. You can decide the amount.

(C) At the start of operation, for example, 2 million yen in ten thousand yen notes is stored in the cash storage section 17a, and the initial value 2 is stored in the balance counter 18a.
00 coins are set, and the normal withdrawal limit is 1 million yen. When the remaining balance is 100 or more coins, the withdrawal limit is 1 million yen and the transaction is performed, but when it is less than 100 coins, the withdrawal limit is set to that number or 200,000 yen. Near-end sensor S1. The detection signal of S2 is not used to update the withdrawal limit.

(d) Also, in (C), set the withdrawal limit to 600,000 yen when it is detected by the near-end sensor S1, and the smaller of the withdrawal limit number of coins (XX million yen) when it becomes less than 100 coins. How to update the withdrawal limit.

etc.

In this way, when the remaining amount of cash stored in the cash storage section 17a becomes low, by changing the withdrawal limit amount and making a withdrawal, the remaining amount can be effectively used to respond to small-lot withdrawals. This improves service, reduces equipment transaction stoppages, and allows unmanned operation outside of business hours and on holidays.

Although the above embodiment describes the case of a CD, it can be similarly applied to other automatic devices 1 such as ATMs having an automatic withdrawal function. Particularly in the case of recycling-type ATMs, the amount of stored cash increases or decreases due to deposits and withdrawals, but when the balance is disrupted and the amount decreases, the near-end sensors S1 and S2 detect and act in the same way.

〔Effect of the invention〕

As explained above, according to the present invention, when the stored cash decreases, the normal withdrawal limit can be reduced and withdrawn. This will improve the quality of service.

- Reduces equipment transaction stoppages and enables unmanned operation outside of business hours and on holidays.

There is an effect.

[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, FIG. 3 is a flowchart of the embodiment, and FIG. 4 is a block diagram of a conventional example. In the figure, 2 is a detection means, 3 is a calculation means, 3a is a calculation unit,
17 is a cash storage means, 17a is a cash storage section,
18 is a counting means, 18a and 18b are balance counters, 19 is a setting means, 194 is a withdrawal limit setting section, SL and S2 are near-end sensors, S3. S4 is an end sensor.

Claims (1)

[Scope of Claims] Reading means for reading recorded data from a transaction medium in which customer-specific data is recorded; input means for operating and inputting transaction data including a withdrawal request; and storing cash to be withdrawn. A transaction device comprising: a cash storage means (17), and communicates with a host device to carry out a transaction based on recorded data read by the reading means and transaction data input by the input means, the cash storage means (17) a counting means (18) for counting the remaining amount of cash stored in the means (17); a detecting means (2) for detecting that the remaining amount has decreased by withdrawal and reached a predetermined amount; and the detecting means ( a calculation means (3) that is activated based on the detection output of step 2) and calculates the withdrawal limit from the balance counted by the counting means (18); and the withdrawal limit calculated by the calculation means (3). An automatic transaction device comprising: a setting means (19) in which a withdrawal limit is set in the setting means (19), and a transaction is performed according to a withdrawal limit set in the setting means (19).