JP2001101478A - Cash processor and receiving processing method therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve efficiency in the job at a counter of a financial institution by simultaneously and temporarily holding a lot of received paper moneys without stopping and to improve efficiency in operating of funds by simplifying collecting processing. SOLUTION: A charging and collecting cassette 4 for performing charging and collecting is made into empty state ordinarily by conveying no paper money except for the time of charging and collecting and when processing a lot of received paper moneys and temporary holding parts 9, 10 and 11 are full, the charging and collecting cassette 4 is made into holding part so that the received paper moneys can be conveyed to the charging and collecting cassette 4 and temporarily held. When respective stackers 6, 7 and 8 by denominations are full, paper moneys are successively collected through a carrier path 13 into the charging and collecting cassette 4 and a cassette 12 is turned into eject waiting state. Since paper moneys are conveyed for revenue and expenditure for each cassette, collecting processing can be simplified and efficiency in operating of funds can be improved.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash processing apparatus used in a financial institution and the like and a payment processing method thereof.
In particular, the present invention relates to a cash processing apparatus and a payment processing method for a small-sized cash processing apparatus capable of temporarily holding a large number of banknotes at once during payment processing.

[0002]

2. Description of the Related Art In the prior art, a deposit holding section for depositing bills is temporarily stored for each denomination in a denomination holding section integrated with each denomination storage (type A), and a denomination storing section. There is a system (B system) in which a storage for a temporary storage unit is provided separately from the storage, and the storage is collectively and temporarily stored with denominations. That is, in the former method A, as shown in FIG. 1, a temporary storage unit for each denomination is provided on each denomination stacker. After temporarily suspending each of the departments, the customer presses a confirmation button to store the money in the denomination stacker.
In the latter method B (not shown), instead of a denomination temporary storage unit, a single denomination-mixed temporary storage unit storage is provided to discriminate deposited banknotes. After passing through the temporary storage part storage temporarily, the customer presses the confirmation button, and the denomination unit again determines the denomination, so that the denomination is stored in each denomination stacker through the transport path. .

[0003] In cash processing machines at one-line counters of financial institutions (consultation counters and the like), there is also a problem with the installation space of the counters, and miniaturization is required. The capacity is not large enough to secure batch processing of multiple deposits exceeding the limit. That is, the deposit processing can be performed by the cash handling machine for 100 to 200 sheets, but when it is desired to deposit 400 sheets at a time, the counter is passed to a staff member behind to count the number. Further, there has been proposed a method of processing a plurality of deposits of more than 400 by dividing the deposits. In this method, after storing the denomination stacker in the denomination stacker from the denomination-specific temporary holding unit, temporarily bringing the denomination stacker to a full state, transporting the banknotes to the loading and collecting cassette until the denomination stacker becomes empty, and extracting the banknotes, Then, the remaining portion is temporarily held again in the denomination-specific temporary holding section and stored in the empty denomination-type stacker.
As described above, the temporary holding unit and the money type stacker are divided and used several times.

[0004]

As described above, in the conventional cash processing machine in a one-line teller service of a financial institution, a temporary storage unit for deposited bills is a temporary storage unit for each denomination integrated with each denomination storage. A temporary storage unit storage is provided separately from the depot type (A method) or the denomination storage unit.
There was a system (B system) in which the denominations were mixed and temporarily suspended. In the cash processing machine at the line counter, downsizing is required due to the installation space of the counter, and both the temporary storage and the storage by denomination only secure batch processing of a large number of deposits exceeding 400 sheets. Is not the capacity of. Therefore, there is a problem that a large number of large deposits exceeding the temporary holding capacity cannot be batch-processed in a one-line operation. In addition, there is a method in which a large number of large deposits are divided and deposited, and processed in a single-line operation.However, operations such as cancellation processing, when a failure occurs, and when the system is full are complicated, which takes processing time and is erroneous. Processing was also likely to occur.

Accordingly, an object of the present invention is to solve these conventional problems, and when processing a large number of deposited bills at once, the bills can be processed without interruption or division, thereby improving the efficiency of one-line operations. It is an object of the present invention to provide a cash processing device and a payment processing method for the same, which can achieve the following. Further, another object of the present invention is to provide a cash processing apparatus and a deposit processing method thereof, which can improve the efficiency of fund management by performing a simple reimbursement process.

[0006]

In order to achieve the above-mentioned object, in the deposit processing method of the cash processing apparatus according to the present invention, a loading / collecting cassette for loading / collecting a bill is transported except at the time of loading / collecting. When a large number of deposited banknotes are processed by keeping them empty at all times, when the temporary storage unit is full, the loading / collecting cassette is turned into a holding unit, and the deposited banknotes are transported to the loading / collecting cassette without interruption. , By temporarily suspending a large number of deposited bills,
Improve business efficiency. Furthermore, the removable loading / collecting cassette is temporarily stored in the storage unit, so that when the stackers of each denomination are full when storing them in the device, the entire loading / collecting cassette is withdrawn from the device to allow for delivery. Simplifies the reimbursement process and increases the efficiency of fund management.

[0007]

Embodiments of the present invention will be described below in detail with reference to the drawings. (Configuration) FIG. 1 is a configuration diagram of a bill processing apparatus showing one embodiment of the present invention. The bill processing apparatus 1 includes a deposit port 2, a dispensing port 3, a loading / unloading cassette 4, a 10,000 yen stacker section 6, a 5,000 yen stacker section 7, a 1,000 yen stacker section 8, a reject box 5, a bill transport path 13, Conveying motor 14, temporary holding unit 9
11, a reject opening 15, a switching gate 16, and a discriminating unit 17. Here, the cassette 12 having the new function of the present invention includes the loading / collecting cassette 4 and the reject box 5. Cassette 12
Can be detached from the bill processing apparatus 1, and the bills accumulated in the loading and collecting cassette 4 can be transported together with the reject box 5 in the cassette 12. The 1,000-yen stacker unit 8, the 10,000-yen stacker unit 6, and the 5,000-yen stacker unit 7 have a temporary storage unit 9, 1
0, 11 and the loading / collecting cassette 4 in the cassette section 12 also becomes a temporary holding section when the temporary holding sections 9, 10, 11 are full. The banknote transport path 13 is driven by a transport motor 14, a discriminating unit 17 is disposed in the middle of the transport path 13, and a switching gate 16 is disposed at a branch of the transport path 13. By these mechanisms, bills can be conveyed from the deposit port 2 or from the denomination stackers 6 to 8 to the respectively determined destinations.

FIG. 2 is a block diagram of a control system of the bill processing apparatus in FIG. In FIG. 2, the control unit 30 is connected to the center 40 via the external interface 25 and controls the entire bill processing apparatus 1. Deposit and Withdrawal Port 1
Numeral 9 includes the deposit port 2 and the dispensing port 3 shown in FIG. 1 for exchanging bills with customers and performing cash processing. Bookkeeping machine 2
Numeral 0 is for passing a passbook to a customer through a passbook entrance (not shown) and performing a printing process on the passbook. Also,
The card reader 21 exchanges a card with a customer via a card entrance (not shown) and reads an account number or the like registered in the card. Statement slip printing machine 2
No. 2 prints the details of the transaction on a statement slip and issues it to the customer via a statement slip exit (not shown). The touch key sensor 23 is an input device provided on the upper surface of the display device for the customer to select a transaction, input a transaction amount, and the like. The denomination-specific stacker / near-full display unit 24 is a display unit for a clerk to confirm that the denomination-specific stacker is in the near full state. The main memory 26 includes data necessary for the control unit 30 to control the banknote processing apparatus 1, data after processing,
And a memory for storing programs to be executed and the like. The audio output device 27 is for giving guidance for prompting the customer to input. Further, the discrimination unit 17 determines the denomination of the conveyed banknote, and determines whether the bill is inappropriate or inappropriate. The transport drive control unit 28 controls the transport motor 14, the bill transport path 13, the switching gate 16, and the like. Sensor 2
Numerals 9 are arranged at various parts of the transport path 13 and report detection results to the control unit 30. The power supply device 31 supplies power to the control unit 30. The control unit 30 controls the sensor 29
And the report from the denomination stacker / near-full display unit 24 to control the transport drive control unit 28 to perform the collective temporary hold and storage operation according to the present invention.

(Normal Deposit / Pay-Out Processing) In the banknote processing apparatus shown in FIG. 1, operations of the deposit processing and the pay-out processing for the number of banknotes less than the capacity of the temporary holding units 9, 10, and 11 will be described. In accordance with a deposit instruction from a higher-level machine, bills set in the deposit port 2 are fed out one by one, conveyed to a discriminating section 17 by a bill conveying path 13, discriminated by a discriminating section 17, and then switched to a switching gate 16. Are transported to the temporary holding units 9, 10 and 11, respectively. The rejected banknote determined to be unsuitable for use by the discriminating unit 17 is conveyed to the rejecting unit 15 and recounted. Identification section 1
When the designated amount is reached by counting the banknotes passed in 7, the banknotes in the temporary holding units 11, 10, and 9 are stored in the temporary storage units 11, 10, and 9, respectively, according to the storage instruction of the higher-level machine.
It is stored in the 10,000 yen stacker unit 6 and the 5,000 yen stacker unit 7.
When the return is selected, it is fed from the temporary holding units 11, 10, and 9 and is conveyed through the banknote conveyance path 13, and is discharged to the dispensing port 3 by the switching gate 16. In accordance with a withdrawal instruction from the host machine, bills are paid out from each of the stacker units 6, 7, 8 and conveyed through the bill conveyance path 13 to be discriminated by the discrimination unit 17, and the designated number is switched by the gate 16 to the dispensing port 3. Transport to The reject bill is transported to the reject box 5. When the rejection is made, the banknotes in the dispensing port 3 are discharged when the designated number of sheets is reached by newly feeding out the stackers 6, 7, 8 by that amount.

(Batch Temporary Holding Operation of the Present Embodiment) In the banknote processing apparatus shown in FIG.
The operation performed when a large number of large deposits exceeding the capacity of a large number of deposits have occurred will be described. The bills set in the deposit port 2 by the deposit instruction of the host machine are fed out one by one, conveyed to the discriminating section 17 via the bill conveying path 13, discriminated by the discriminating section 17, and then switched to the switching gate 16. Are transported to the respective temporary holding units 9, 10, and 11. The reject bill is conveyed to the reject unit 15. Each temporary storage unit 9, 10, 1
The overflowing banknote of the corresponding denomination in which 1 is in the full state is conveyed to the loading / collecting cassette 4 by switching the switching gate 16. As a result, a large number of large deposits can be collectively and temporarily held, and a large deposit can be processed on a straight line, thereby shortening the processing time for the end user.

(Storing Operation) Next, the storing operation will be described. FIG. 3 is an explanatory view of the storing operation of the present invention,
(A) indicates that the stacker is not near full.
(B) shows each operation when the money type stacker is in the near full state. In response to an instruction to store banknotes accumulated in each of the denomination temporary holding units 9, 10, and 11 and the banknotes stacked in the loading and collecting cassette 4, before storage, the 10,000 yen stacker unit 6, the 5,000 yen stacker unit 7, and the 1,000 yen stacker unit 8 are stored. The number of stacked cassettes is loading and collecting cassette 4.
It is checked whether the banknote is not in a near-full state in which the banknotes cannot be accumulated. This check is performed by the stacker
Since the near-full display unit 24 displays each money type stacker on the screen, it is easy to report this to the control unit 30 by detecting it in software. When the state is not the near full state, as shown by the bold arrow in FIG. 3A, the banknotes of the respective denomination temporary holding units 9, 10, and 11 are respectively stacked in the 10,000 yen stacker unit 6, the 5,000 yen stacker unit 7, and the 1,000 yen stacker unit. Store in 8. Next, the banknotes 1 accumulated in the loading / unloading cassette 4
8 are fed out one by one, conveyed to the discriminating section 17 through the bill conveying path 13, and discriminated by the discriminating section 17, and then conveyed to the temporary holding sections 9, 10, and 11 by the switching gate 16, and It is stored in the circle stacker unit 6, the 5,000 yen stacker unit 7, and the 1,000 yen stacker unit 8. This operation is repeated until the loading / unloading cassette 4 becomes empty. The banknote judged to be rejected by the discrimination unit 17 is transported to the reject box 5.

In the near-full state, as shown by the thick arrows in FIG. 3B, the banknotes of the denomination-specific temporary holding units 9, 10, and 11 are transferred to the 10,000-yen stacker unit 6, the 5,000-yen stacker unit 7, Once stored in the 1,000 yen stacker unit 8. In the near full state, as shown in FIG. 3B, the stackers 6, 7, and 8 are not full and have a capacity of about 90%. Next, the banknotes are sequentially fed out from each denomination stacker 6, 7, 8 and collected in the loading / collecting cassette 4 via the transport path 13. Next, the loading / collecting cassette 4 is placed in a withdrawal waiting state, and a staff member withdraws the cassette 12 to perform a repatriation process for returning the banknotes of the loading / collecting cassette 4 to cash. FIG.
(B) has shown the state where the cassette 12 was extracted by the attendant. In the recharging process of the bills in the loading / collecting cassette 4, the staff can carry the cassettes 12 in and out, so that the operation can be simplified. Furthermore, since the surplus funds of the banknotes in the cash processing device 1 can be repaid, it can be used, for example, as funds for an adjacent cash processing device,
Funding efficiency can be improved.

FIG. 4 is an operation flowchart of a deposit processing method of the cash processing apparatus according to an embodiment of the present invention. FIG. (B) shows a storing process or a reimbursement process in the denomination-type stacker. In the case of lump-sum payment, as shown in FIG. 4A, it is determined whether or not a bill is set in the deposit port (step 101). If the bill is set, the bill is transported to the discriminating unit via the transport path. (Step 102). After discrimination by the discrimination unit (step 103), if the banknote is a rejected banknote, it is transported to the rejection unit (steps 104 and 1).
08). If the bill is not a reject bill, it is transported to each temporary holding unit (step 105). Next, it is determined whether or not each temporary holding unit is in a full state (step 106).
If it is not the full state, it is transported to each temporary holding unit until it becomes the full state. When each of the temporary holding units becomes full, the remaining banknotes in the corresponding temporary holding unit are transported to the loading / collecting cassette (step 107). After this, FIG.
The process moves to the storing process shown in FIG.

In the case of the storing process, as shown in FIG. 4B, it is determined whether or not the denomination stacker is in the near full state before storing (step 201). The banknotes in the temporary holding unit are stored in each denomination stacker (step 211), and then the banknotes temporarily stored in the loading / collecting cassette are transported to the discrimination unit via a transport path, and the denomination and the like are discarded by the discrimination unit. By discrimination, the banknotes are conveyed to the temporary holding unit for each denomination, and the bills are stored in the stackers for each denomination (step 212). On the other hand, when the denomination-specific stacker is in the near full state, the banknotes in the denomination-specific temporary holding unit are temporarily stored in the denomination-specific stacker (step 202), and then the banknotes of the denomination-specific stacker are sequentially fed out.
The sheet is conveyed to the loading / unloading cassette via the conveyance path (step 203). Then, the loading / unloading cassette is set in a waiting state (Step 204). When the cassette 12 is removed by the attendant (step 205), a reimbursement process is performed (step 206). In the payment process, as described above,
The cassette 12 can be transported to the cashier.

[0015]

As described above, according to the present invention,
By making the loading / recovery cassette a temporary storage unit, even when processing a large number of deposited banknotes, it is possible to temporarily suspend a large number of deposited banknotes without interruption, improving the efficiency of one line operation of financial institutions Can be achieved. Furthermore, by making the removable loading and collecting cassette a temporary holding unit, when storing in the apparatus, if each denomination type stacker is full,
Since the loaded and collected cassettes can be transported from the device to the withdrawal / delivery, the reimbursement process can be simplified and the efficiency of fund management can be improved.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a bill processing apparatus showing one embodiment of the present invention.

FIG. 2 is a block diagram of a control system of the bill processing apparatus in FIG.

FIG. 3 is an explanatory view showing a banknote storing operation according to the embodiment of the present invention.

FIG. 4 is an operation flowchart of a deposit processing method of the cash processing apparatus according to the embodiment of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Bill processing apparatus, 2 ... Payment port part, 3 ... Payout port part, 4 ...
Loading / collecting cassette, 5: reject box, 6: 10,000 yen stacker section, 7: 5,000 yen stacker section, 8: 1,000 yen stacker section, 9: 1,000 yen temporary storage section, 10: 5,000 yen temporary storage section, 1
1 ... 10,000 yen temporary holding section, 12 ... cassette section, 13 ... banknote transport path, 14 ... transport motor, 15 ... reject section, 16 ...
Switching gate, 17 discriminating section, 18 overflow banknote, 19 cash slot, 20 bookkeeping machine, 21 card reader, 22 statement printing machine, 23 touch key sensor,
24: Denomination stacker / near-full display unit, 25: External interface, 26: Main memory, 27: Audio output unit, 2
8: transport drive control unit, 29: sensor, 30: control unit, 3
1 ... power supply device, 40 ... center.

Claims (3)

[Claims] 1. A cash processing apparatus comprising: a discriminating unit for discriminating and counting deposited banknotes; a temporary holding unit for temporarily storing the counted banknotes; and a storage for storing the stored denominated banknotes. When the temporarily held banknotes exceed the capacity of the temporary storage unit, the remaining banknotes are temporarily stored in a denomination mixture, and then discriminated by the discrimination unit, whereby the temporarily stored banknotes are denominated in each denomination. A cash processing apparatus provided with a detachable loading / collecting cassette which is transported to a storage of the same. 2. The cash processing apparatus according to claim 1, wherein the loading / unloading cassette is set to a holding unit when the holding unit is full, and then temporarily stored banknotes are stored in each denomination storage, and the denomination is performed. A cash processing apparatus wherein bills are collected from each denomination storage when the storage is full. 3. When a bill is set in the deposit port, the banknote is discriminated and transported to a temporary holding unit; a step of determining whether the temporary holding unit is full; If it is determined that the remaining banknotes to be temporarily held are transported to the loading / collecting cassette, a step of determining whether or not the denomination banknote storage is in the near full state, After storing the banknotes in each denomination banknote storage, discriminating the banknotes in the device collection cassette, and then storing each banknote in the denomination banknote storage, respectively. After storing the bills in the banknote storage bins, transporting the banknotes from each denomination banknote to the loading / collecting cassette for collection, and placing the loading / unloading cassette in a waiting state. And a deposit processing method for the cash processing apparatus.