System for performing combined financial transactions with single dispensing of cash

• US 4,541,057 A
• Filed: 04/15/1982
• Issued: 09/10/1985
• Est. Priority Date: 04/16/1981
• Status: Expired due to Term

• Current Assignee: Omron Tateisi Electronics Co. (Omron Corporation)
• Original Assignee: Omron Tateisi Electronics Co. (Omron Corporation)
• Inventors: Hagiwara, Isamu
• Primary Examiner(s): Malzahn, David H.
• Application Number:
  US06/368,815
• Time in Patent Office: 1,244 Days
• Field of Search: 364/408, 364/900, 235/379
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

Abstract

A system for performing a combined transaction service with a cash receiving unit having a cash inlet for accepting the cash inserted into the inlet upon checking the cash, a cash dispenser having a cash outlet for releasing a specified amount of cash to the outlet upon counting up the amount, keys for entering amounts of money for depositing and withdrawing transactions, a key for setting a combined transaction service, a display for showing transaction information, and a payment balance register for storing the amount of money to be paid for each transaction of the combined transaction service. When the system is set for the service, the amount of money accepted by the cash receiving unit and the amount of money to be withdrawn for each transaction is added to the register, and the amount of money to be deposited for each transaction is substracted from the register. When the combined service is set, the unit is prevented from dispensing cash, and when the service is canceled, cash in the sum of the payment balance is dispensed from the dispenser. The system enables one customer to perform depositing and withdrawing transactions on a plurality of accounts by placing in cash or dispensing cash once.

Claims

1. A system for performing financial transactions comprising:

a cash receiving unit comprising a cash inlet, means for receiving cash from said inlet, means for checking the received cash for genuineness, means for accepting cash which is genuine and means for storing accepted cash;

a cash dispenser having a cash outlet for dispensing a specified amount of cash from the outlet;

means for selecting a combination of depositing and/or withdrawing transactions;

keyboard means for manually entering numerical data representing the amounts of money involved in selected depositing and withdrawing transactions;

means for setting the system into a combined transaction service mode and resetting the system out of the combined transaction mode;

a display for displaying transaction information;

processor means responsive to said cash receiving unit, keyboard means, selecting means and setting means, for controlling execution of said selected transactions and operation of said cash dispenser and display, and for determining and storing data representing the amount of cash accepted by said cash receiving unit; and

payment balance memory means for storing the total amount of money to be dispensed at the end of the selected transactions;

said processor means including calculation means for calculating the payment balance and storing the value thereof in said payment balance memory means when the system is set in for combined transaction service mode by adding to the amount stored in the payment balance memory means the amount of accepted cash stored by the cash receiving unit and the amount of money to be withdrawn for each withdrawing transaction and subtracting from the amount stored in the payment balance memory means the amount of money to be deposited for each depositing transaction, said processor means further including cash dispenser control means for preventing said cash dispenser from dispensing cash when the system is set for the combined transaction service mode and causing the dispenser to release cash in the sum of the stored payment balance when the system is reset out of the combined transaction service mode.

2. A system as defined in claim 1, wherein said processor means includes means for checking whether or not the payment balance is negative, at least when a depositing transaction is made, and wherein when the payment balance is negative, said checking means causes the display to display a message relating to the negative balance.

3. A system as defined in claim 1, wherein said processor means include means for checking whether or not the payment balance is negative, at least when a depositing transaction is made, and a cash receiving unit control means for conditioning said cash receiving unit to accept cash when the payment balance is negative.

4. A system as defined in claim 1, wherein said processor means includes cash receiving unit control means for conditioning said cash receiving unit to accept cash when the combined transaction service mode is set.

5. A system as defined in claim 1, wherein said processor means includes means for forcing the cash dispenser to release cash in the sum of the payment balance after the combined transaction service mode is reset.

6. A system as defined in claim 1, wherein said processor means further includes:

means for storing the amount of each transaction entered by the keyboard means, and said system further comprises;

a key for setting an excess rejection mode;

said cash receiving unit having a cash return outlet, said processor means further including means for comparing an accepted amount of cash with the amount of a selected transaction every time cash is accepted, and means for controlling said cash receiving unit to return an excess of cash after the accepted amount has reached the amount of a selected transaction, when the excess rejection mode is set.

7. A system as defined in claim 6, wherein said processor means includes means for cancelling an excess rejection when the combined transaction service mode is set.

8. A system as defined in claim 1, further comprising:

a key for setting a cash counting mode;

the cash receiving unit further comprising a cash return outlet, and means for temporarily holding the cash after it is checked for genuineness, said processor means including cash totaling means responsive to the setting of each cash counting mode for counting the amount of the cash checked as being proper by the checking means and means for operating said cash receiving unit to return to the return outlet cash checked as proper and to hold by the holding means cash checked as not proper;

said processor means including means causing the display to display the amount of cash counted by the cash totaling means.

9. A system as defined in claim 1, wherein said processor means includes means for preventing release of cash from said dispenser when the payment balance is negative, said system further comprising a transaction continuing key for conditioning said processor means to permit release of cash even when said payment balance is negative.

10. A system for performing transactions comprising:

a cash receiving unit having a cash inlet, a cash return outlet, and means for checking the cash placed in said inlet for genuineness and for accepting cash which is genuine;

means for entering the amount of each transaction;

a key for setting an excess rejection mode;

processor means responsive to said cash receiving unit and said entering means, for storing entered transaction amounts and the amount of cash which as accepted as genuine, said processor means being responsive to said key for setting an excess rejection mode and including means for comparing the accepted amount of cash with the amount of a selected transaction every time cash is accepted, and operating said cash receiving unit to return an excess of cash through said return outlet after the accepted amount has reached the amount of the transaction, when the excess rejection mode is set.

11. A method for performing financial transactions in a system comprising the steps of:

receiving deposited cash in a cash receiving unit having a cash inlet for receiving the cash;

checking the received cash for genuineness;

accepting cash which is genuine and storing accepted cash;

determining and storing the amount of cash accepted;

selecting a combination of depositing and/or withdrawing transactions;

receiving manually entering keyboard numerical data representing amounts of money for selected depositing and withdrawing transactions;

performing one of setting the system into a combined transaction service mode and resetting the system out of the combined transaction service mode;

storing in a payment balance memory the total amount of money to be dispensed at the end of the selected transactions;

calculating the payment balance stored in said memory when the system is set in the combined transaction service mode by adding to the amount stored in the memory the amount of cash stored by the cash receiving unit and the amount of money to be withdrawn for each withdrawing transaction and subtracting from the amount stored in the memory the amount of money to be deposited for each depositing transaction; and

preventing a cash dispenser from dispensing cash when the system is set for the combined transaction service mode and causing the dispenser to release cash in the sum of the stored payment balance when the system is reset out of the combined transaction service mode.

12. A method for performing transactions comprising the steps of:

depositing cash in a cash receiving unit having a cash inlet and a cash return outlet;

checking the cash placed therein and accepting cash which is genuine;

storing the amount of cash accepted by the cash receiving unit;

receiving entered amounts of each transaction;

storing the entered transaction amounts;

setting an excess rejection mode; and

comparing the accepted amount of cash with the amount of a selected transaction every time cash is accepted and returning an excess of cash after the accepted amount of cash has reached the amount of the transaction when the excess rejection mode is set.