JPH0212562A - Securities exchange device - Google Patents

Abstract

PURPOSE:To improve serviceability and workability by performing exchange work automatically by processing the receipt of amount set at an exchange setting part by a receipt processing part, and issuing securities equivalent to exchanged amount from a securities issuing part. CONSTITUTION:In a device which exchanges the securities such as a traveler's check or foreign currency, etc., with cash money, the securities issuing part 20 to issue the securities, the receipt processing part 46 to perform a receipt processing, and the exchange amount setting part 47 to set the exchange amount of the securities and currency are provided. And the securities equivalent to the exchanged amount is issued from the securities issuing part 20 based on the processing of the receipt of the amount set at the exchange amount setting part 47 by the receipt processing part 46. In such a way, it is possible to improve the serviceability and working efficiency.

Description

DETAILED DESCRIPTION OF THE INVENTION (A) Field of Industrial Application The present invention relates to an I!i securities exchange device for exchanging securities such as traveler's checks and foreign currency for cash.

(b) Prior art The exchange of traveler's checks in the above example was generally done manually at a bank counter.

(c) Problems that the invention aims to solve As a result, during the overseas travel season, it takes time to process customers, and bank counters become crowded, resulting in poor service. Since it is a manual process, it has the problem of low efficiency.

The object of the present invention is to provide an IIIi securities exchange device that has good serviceability and workability by automatically performing exchange operations using a Si device.

(d) Means for Solving the Problems The first invention of the present invention includes a securities issuing department that issues securities, a deposit processing section that processes deposits, and a conversion amount between securities and money. Deposit the amount set in the conversion amount setting section and the conversion amount setting section above at the deposit office Fl! The securities issuing section 4 is characterized in that it includes a control section 1 that controls issuance of the converted amount of securities from the securities issuing section based on processing performed by the securities issuing section.

A second invention of this invention has the structure of the above-mentioned first invention,
A fee setting section for setting a fee is provided, and the above-mentioned 11111
The w section is a securities exchange that controls issuance i1 of securities in the converted amount from the securities issuing department based on the deposit of the amount set by the conversion amount setting section and the amount set by the fee setting section. It is characterized by being a device.

The third invention of this invention is the first invention or the second invention described above.
The present invention is characterized in that it is a securities exchange device in which the structure of the present invention is connected to a center online.

(e) Operation According to the securities exchange device of the first aspect of the present invention, based on the deposit processing unit processing the deposit of the amount set by the conversion amount setting unit, the converted amount of securities is is issued by the securities issuing department.

In terms of the value of the second invention of this invention [according to the ticket exchange device,
Based on the deposit processing unit processing the deposit of the amount set by the conversion amount setting unit and the fee amount set by the fee setting unit, the securities issuing unit issues securities in the converted amount. .

According to the securities exchange device of the third aspect of the present invention, the securities exchange device connects to the center online, and exchanges the securities of the converted amount based on the conversion amount setting from the center and the deposit processing by the card. Published by the publishing department.

(F) Effects of the Invention According to the first aspect of the present invention, the work of the clerk is simplified, for example, in the case of a traveler's check, by registering the traveler's check or paying and receiving fees. , serviceability and work efficiency can be improved.

According to the second invention, in addition to the effects of the first invention described above, fees are also automatically paid and received, thereby further improving serviceability and work efficiency.

Furthermore, according to the third invention, not only cash transactions but also
Transactions can be made by card, improving serviceability and work efficiency.Furthermore, since the exchange amount is entered from the center, it can be immediately known, and no settings are required on the terminal side. , work efficiency is improved, and furthermore, even if small denomination coins such as 1 yen and 5 yen cannot be handled, transactions can be made using cards, and the range of transactions can be expanded.

(g) Examples An embodiment of the present invention will be described in detail below based on the drawings.

The drawing shows a securities exchange device for exchanging yen and securities, and in FIG. 1, this exchange device 10 is connected online to a center.

The above exchange! The securities handled by ff10 are traveler's checks and foreign currency cash, and in the case of traveler's checks, for example, they are prepared by stuffing them into a bag in advance for US$100, US$500, and US$1000 and then releasing them. I have to.

Furthermore, in the case of foreign currency cash, there are two cases: a case where a predetermined amount is stuffed into a bag as described above, and a case where the foreign currency cash is handled in denominations, both of which correspond to the user's request.

A CRT arranged at the upper right corner of the front side of the above-mentioned exchange device 110
The display 11 has a touch panel superimposed on its upper surface, and displays operation guidance to the customer on the display 11, and at the same time, when input items are displayed, allows input of the corresponding items using the touch panel.

The banknote inlet/outlet 12 provided above the display 11 is used to input banknotes for exchange and to eject change for small banknotes.

A coin outlet 13 disposed at the upper left is an outlet for coins discharged as change, and a traveler's check outlet 14 disposed in front of the coin outlet 13 discharges traveler's checks packed in envelopes.

A card insertion slot 15 arranged on the vertical wall side is used to insert a card when executing a transaction, and in the case of a card transaction, the transaction is executed by communicating with the center online.

The clear imW extractor 016 disposed adjacent to the above-mentioned card insertion slot 15 emits a clear @ slip on which the details of the exchange transaction are printed.

The exchange device 10 configured as described above stores travel check backs of multiple amounts in multiple countries in the internal travel check issuing section, and the exchange amount (rate) of multiple countries in the same day is displayed on the display 11. When the passenger selects the country and amount by operating the touch panel on the surface of the display 11 and inserts a predetermined amount of banknotes (yen) into the banknote slot 12, the traveler's check bag is transferred to the traveler's check slot. 14, the change is discharged to the bill slot 12 and the coin withdrawal slot 13, and the statement slip is discharged to the statement slip extraction slot 16.

Note that when making a transaction using a card, the card is inserted into the card insertion slot 15 instead of inserting cash as described above.

FIG. 2 shows a traveler's check issuing section 2 that is configured inside the above-mentioned exchange device 10 and stores traveler's checks and issues and releases them.
0, and a plurality of (six in the embodiment) stackers 21 arranged side by side put the set foreign traveler's checks of different amounts into envelopes and pack them into bags. A large number of travel check bags 22 with an amount of 11 gold are stored in one stacker 21.

Each stacker 21 stores travel check bags 22 in a tilted manner stacked up and down.
By controlling the travel check bag 22 one rotation, one bag of travel check bags 22 at the bottom is fed out from the stacker 21.

A gate roller 24 is provided on the outer upper part of the above-mentioned feeding portion, and this gate roller 24 continuously rotates in the reverse feeding direction during feeding, and this reverse rotation regulates the double-back feeding.

A conveyance roller 25 is disposed outside the gate roller 24, and the conveyance roller 25 conveys the paid travel check bag 22 to the next stage.

A horizontal guide plate 26 is laid at the bottom of the stacker 21 group described above, and a plurality of chains 27 are stretched around sprockets 28 and 28 on the lower surface of this guide plate 26. The hooks 29 are fixed at predetermined intervals, and the upper ends of the hooks 29 are configured to protrude above the upper surface of the guide plate 26 described above.

Then, as the chain 27 described above is driven and rotated in the transport direction, the hooks 29... rotate in the transport direction, and the travel check bag 22 fed out from the upper stacker 21... It is conveyed by sliding the guide plate 26 while pushing it with the hooks 29.

Therefore, since the travel check bags 22 dispensed from the stackers 21 are received by the guide plate 26, a plurality of stackers 21 can be dispensed at the same time.

A packet 30 that receives the transported traveler's check bag 22 and transports it to the traveler's check outlet 14 is disposed at a stage subsequent to the transport of the guide plate 26 described above.

The above-mentioned packet 30 is opened at the free end, and the travel check bag 22 is taken in and taken out through this opening.

This packet 3o is a slider 3 that slides in the vertical direction.
1 is rotatably supported by a support shaft 32 between horizontal and vertical positions, and the slider 31 is slidably supported by two guide rods 33 and 33 erected in the upper F direction. Roughly speaking, a part of the belt 35 of 'gj1 is fixed to the pulleys 34 and 34 arranged at the upper and lower positions, and this belt 35 is rotated forward and backward once.
-1 ill causes the slider 31 to move up and down.

On the rear side of the packet 30 described above, there is a regulation plate 37 which pivotally supports the driven roller 36 and which the driven roller 36 is in contact with.
By making contact with the packet 30, the packet 30 is rotated to a vertical position,
Further, by moving away from the regulating plate 37, the horizontal position returns to 1.

The above-mentioned packet 30 is controlled to move to the storage position of the above-mentioned guide plate 26, to the travel check outlet 14 at the top, and further to the collection position at the bottom.

In addition, a collection box 38 is provided at a position facing the packet 30 at the deepest collection position, and the packet 30 at this collection position is
Three push-out levers are pivotally supported on the rear side, and the upper end of the push-out lever 39 pushes the travel check bag 22 stored inside into the collection box 38 through a groove (not shown) formed in the packet 30. extrude

In the travel check issuing unit 20 configured as described above, the packet 30 normally waits in a horizontal position with its opening facing the conveyance rear end of the guide plate 26.

When a traveler's check bag 22 is fed out from each stacker 21..., the hook 29 of the chain 27 conveys it to a packet 30 and stores it, and if there are multiple traveler's check bags 22, the traveler's check Each time the bag 22 is stowed, the packet 30 is lowered by one hook of the traveler's check bag 22, and when it is stowed, the packet 30 is moved downwards by one hook of the traveler's check bag 22.
and the subsequent travel check bag 22 to avoid collision.
Controlling descent.

When a predetermined number of traveler's check bags 22 are stored in the packet 30, the packet 30 is moved to the traveler's check outlet 14 in the upper part under single stomach control, and during this movement, it changes to the gA straight position and the opening part is directed upward and the shutter 40 is opened to allow its removal.

In addition, if you forget to take the travel check bag 22 or there is an error in feeding it from the stacker 21, the packet 30
moves to the bottom and drives the push lever 39 to collect the travel check bag 22 into the collection box 38.

FIG. 3 shows the control circuit of the switching device 10, and shows the control circuit of the switching device 10.
drives and controls each circuit device according to the program stored in the ROM 42, and the RAM 43 stores and reads necessary data.

The card reader 44 reads card data from a card inserted into the card insertion slot 15 and loads new data.

The touch panel 45 is disposed on the top surface of the display device 11, and the selection items displayed on the display device 11 are inputted by pressing the touch panel 45 from the top surface.

The money processing unit 46 determines the authenticity and denomination of the banknotes inserted into the banknote slot 12, counts the amount of money inserted, and when necessary, provides change in banknotes or coins to the banknote slot 12 or , and discharged into the coin outlet 13.

The exchange amount setting section 47 inputs and sets the exchange amount (rate) of the foreign currency to be handled, and the fee setting section 48 inputs and sets the exchange fee.

The settings of the above-mentioned exchange amount and fees are determined by the exchange device 1.
When 0 is online, set on the center side and exchange device 1
Used when 0 is set to offline.

The printer unit 49 prints out the exchange details on a journal or receipt, and displays the receipt as a statement slip.
It is discharged to the l1 vote extraction port 16.

Cash-based control unit 4 of the exchange device 10 configured as described above
The control operation of No. 1 will be explained with reference to FIG.

The display 11 displays input guidance for the customer in either English or Japanese, and the customer inputs either one using the touch panel 45 on the surface of the display 11 (steps n1 and n2).

After this input, the selected statement will be displayed.

Next, the display 1.1 guides the selection input of the transaction type and also displays the foreign currency handled, and the customer selects and inputs the foreign currency (steps n3 and n4).

Next, the display 11 guides the selection input of the number of traveler's check bags 22, displays the amount of traveler's check bags 22 prepared in advance, and also displays numerical values,
The customer inputs the desired number of travel check bags 22 (steps n5 and n6).

When the type of foreign currency and its quantity are input as described above, the exchange amount and fee set from the center or the exchange amount set in the exchange amount setting section 47 and the fee set in the fee setting section 48 are used. , calculates the amount required for the transaction, displays the exchange calculation details on the display 11, and displays a guide indicating whether the displayed details are OK, and the customer can:
Enter the confirmation (steps n7 and n8).

Next, the display 11 displays a guide to insert the calculated cash,
When the customer inserts the corresponding cash (banknotes) into the banknote slot 12, the money processing unit 46 executes a cash reception process (steps n9 and n10).

In other words, the inserted banknotes are taken into the system and examined one by one, the authenticity and denomination are determined, and the inserted amount is sifted out.
Compare it with the exchange amount calculated earlier to determine if there is a shortage or if change is required.

If there is an error in the above-mentioned money processing, error processing will be executed, but if the processing is OK, the input amount will be displayed on the display 11.
The amount subtracted from the exchange amount is displayed, the customer is prompted to confirm, and if the customer agrees, the customer inputs the confirmation. (Steps n11°n12.n13).

When the customer's confirmation is input, the next internal process is executed (step n14).

That is, the traveler's check issuing unit 20 takes out the traveler's check bag 22 from the stacker 21 of the designated foreign currency and amount, stores it in a packet 30, and conveys it to the traveler's check outlet 14.

If change is required, the money processing unit 46 inserts small bills or coins into the bill slot 12 or the coin withdrawal slot 13.
released into the

The printer unit 49 prints out transaction details such as foreign currency amount, input amount, exchange amount, handling fee, etc.
8 votes are sent to the port 16 in the item "2".

If an error occurs during these processes, error processing is executed (step n15), but if there is no error, the display 11 displays a guide to sample statement slips, and the customer is prompted to sample statement slips. The statement slip released into the mouth 16 is pulled out (steps n16 and n17).

The display 11 provides a guide to take out the change, and the customer does not take out the banknotes or coins released into the bill slot 12 or the coin slot 13 (steps n18, n19).

The display 11 provides a guide to take out the travel check bag 22, and when the shutter 40 is opened, the customer takes out the travel check bag 22 from the travel check withdrawal port 14 (steps n20 and n21).

The display 11 indicates the end of the transaction, and the money processing unit 4
6 stores the deposited banknotes in a predetermined storage section and ends the exchange process (steps n22 and n23).

Next, the control operation of the control unit 41 using the card of the replacement bag W110 will be explained with reference to FIG.

When conducting a transaction using a card, the exchange device 10 is connected to the center online, and the exchange amount (rate) and commission are set at the center, and these are transmitted to the exchange device 10 via the transmission device 50, and are sent to the RAM2S. are stored in a predetermined area.

Steps n31 to n38 are the same processes as steps n1 to n8 of the above-mentioned cash exchange processing operation, so the explanation thereof will be omitted, but when the exchange amount is determined, the display 1
1 displays a guide to insert a card, and the customer inserts the card into the card insertion slot 15 to accept the card (steps n39, n40).

The card reader 44 reads card data recorded on the card,
In other words, data such as account numbers and PIN numbers are read, and if an error occurs during this time, error processing is executed (
In step n41), if there is no error, the display 11 will prompt the customer to input the PIN number, and the user can
5't' When the password is input, communication with the center is executed (steps n42, n43, n44).

That is, when a PIN number is entered, it is compared with the PIN number recorded on the card to determine whether the user is the person in question, and if it is valid, the necessary data is sent to the center via the transmission device 50 based on the account number. Send to.

If the balance is OK at the center, update the balance,
A message indicating that the transaction is OK is sent to the exchange bag @10, and if the transaction is not possible due to insufficient balance, a message to that effect is sent to the exchange device 10.

If the reply from the center is that the transaction is not possible due to insufficient balance,
It is treated as an error (step n45), but if the transaction is OK, the next process is executed.

That is, the traveler's check issuing unit 20 takes out the traveler's check bag 22 from the stacker 21 for the designated foreign currency and amount, stores it in a packet 30, and conveys it to the traveler's check outlet 14.

The printer unit 49 prints the amount of foreign currency, exchange amount, handling fee,
Print out the transaction details of the balance and send the statement slip to the clear 1 slip sampler 016.

If an error occurs during these processes, error processing is executed (step n46), but if there is no error, the display 11 displays a guide to remove the card, and the customer inserts the card into the card insertion slot 15. The returned card is removed (steps n48 and n49).

The display 11 displays a guide to draw out the 1tam, and the customer pulls out the statement slip discharged from the statement slip extraction opening 16 (steps n50 and n51).

The display 11 displays a guide to take out the travel check bag 22, and displays the screen 1? By opening the ivy 40, the customer takes out the traveler's check bag 22 from the traveler's check outlet 14 (
Step n52. n53).

The display 11 displays the completion of the transaction and ends the exchange process (step n54).

As explained above, according to this embodiment, in the case of a traveler's check, the clerk's work is to register the traveler's check, and the fee is transferred to and from the automatic changer. system, improving serviceability and work efficiency.

Furthermore, in addition to cash transactions, card transactions can be made online, which improves service and work efficiency.Furthermore, by inputting the exchange amount from the center, you can immediately know the exchange amount. , there is no need for settings on the terminal side, improving work efficiency.
Even if small denomination coins such as yen cannot be handled, transactions can be made using cards and the range of transactions can be expanded.

Although the traveler's check bag 22 is shown in the above embodiment, foreign currency cash may be used instead of the traveler's check, or the foreign currency cash may be paid out directly without being stuffed into the bag.

Therefore, the securities of the present invention include foreign currency cash, and the present invention is not limited to only the configuration of the embodiment.

[Brief explanation of the drawing]

The drawings show an embodiment of the present invention; FIG. 1 is an external perspective view of a securities exchange device, FIG. 2 is a sectional view of a traveler's check issuing unit, FIG. 3 is a control circuit block diagram of the exchange FIG. 4 is a flowchart of operations using cash, and FIG. 5 is a flowchart of operations using cards. 1o... Exchange H direction 20... Traveler's check issuing section 22... Traveler's check bag 41... Control section 44... Card reader 46... Money processing unit 47... Exchange amount setting section 48 ...Fee setting unit 50...Transmission device 10...Exchange cover figure 1 communicator! The Evening Monument 1. Trace of the Seal Map - 〆Fig.

Claims (2)

[Claims] (1) A securities issuing department that issues securities, a deposit processing department that processes deposits, a conversion amount setting department that sets the conversion amount between securities and money, and a conversion amount setting department that sets the amount set by the conversion amount setting section above. A control unit that controls issuance of a converted amount of securities from the securities issuing unit based on processing of deposits by the deposit processing unit. (2) A fee setting section for setting a fee is provided, and the control section is configured to perform processing based on the fact that the deposit processing section processes the deposit of the amount set by the conversion amount setting section and the amount set by the fee setting section. 2. The securities exchange device according to claim 1, wherein the securities issuing department controls issuance of the securities in the converted amount. (3) The securities exchange device according to claims 1 and 2, which is connected online to a center.