JP2005010911A - Cash management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To ensure cash management from a store, eliminate a need to go to a financial institution to prepare change and deposit sales, save trouble about cash management in the store and ensure reliable cash management by managing sales and change through an automatic transaction device for financial transactions installed in the store. <P>SOLUTION: A cash management system has an accounting host device for performing accounting business in a financial institution 18, an automatic transaction device 12 installed in a store 11 to handle financial transactions in communication with the accounting host device, and a payment server 13 connected for communication to the accounting host device and automatic transaction device 12 to manage information about deposits/withdrawals of sales or change in the store 11 handled by the automatic transaction device 12. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a cash management system.
[0002]
[Prior art]
Conventionally, in stores that sell products and services, change reserves necessary for cash sales are managed manually. In general, a cash register in a store is provided with a cash register, and a cashier such as a cashier at the store stores cash received from a customer in the cash register as well as cash necessary for change. Is taken out of the register machine and delivered to the customer. And most of the change is coins, and in order to prevent the change receiving operation from being delayed due to the change of money, after counting the coins and banknotes of each denomination in advance, The register machines are sorted and stored (see, for example, Patent Document 1).
[0003]
In this case, as for the necessary change, the person in charge of payment, etc. goes to the financial institution in advance and exchanges the necessary amount for each denomination. Then, the changed change is stored in a safe or the like in the store and paid out as necessary. Further, when the day's business at the store is completed, the change and sales stored in the register machine are collected. The sales proceeds are collected after closing the store and collated with the totals of the register machines, and then deposited in the nighttime safe of the financial institution, or stored in the safe and brought to the financial institution the next day for payment. Is done. When the sales amount increases during business hours, the sales amount is sequentially collected from the register machine and temporarily stored in a safe in the store.
[0004]
[Patent Document 1]
JP-A-5-73770
[0005]
[Problems to be solved by the invention]
However, in the conventional cash management system, it takes time to manage change reserves and sales proceeds. For example, if a financial institution does not operate like a holiday, it is necessary to prepare a large amount of change in advance and store it in a safe in the store, increasing the psychological burden, and There are also security problems. Moreover, since it is necessary to carry back and forth between the store and the financial institution for the preparation of change and the deposit of sales, it takes time and has a problem of crime prevention.
[0006]
However, in recent years, a service is also provided in which cash for change is regularly distributed to stores and sales are collected. However, this service simply distributes and collects cash, and it is not necessary for the cashier to carry the cash back and forth between the store and the financial institution. It is still necessary to store them in the same manner.
[0007]
The present invention solves the problems of the conventional cash management system and manages sales and change using an automatic transaction apparatus for conducting financial transactions arranged in the store. You can manage cash within the company, do not need to go to a financial institution to prepare for change and deposit sales, save cash management at stores, and manage cash reliably It aims at providing the cash management system which can do.
[0008]
[Means for Solving the Problems]
To that end, in the cash management system of the present invention, an accounting system host device that performs accounting-related work in a financial institution, and an automatic transaction device that is disposed in a store and communicates with the accounting system host device to perform financial transactions And a payment server that is communicably connected to the accounting system host device and the automatic transaction device, and that manages the deposit / withdrawal information of sales or change in the store performed by the automatic transaction device.
[0009]
In another cash management system of the present invention, the automatic transaction apparatus performs deposit or withdrawal of sales or change in the store by using a registered card.
[0010]
In still another cash management system of the present invention, the payment server further performs cash management of the store by separating into sales and change based on the deposit / withdrawal information corresponding to the store account.
[0011]
In still another cash management system of the present invention, the payment server further stores a first storage unit that stores transaction information relating to the deposit or withdrawal of the sales or change, and transaction information for managing the change. A second storage unit and a third storage unit that stores transaction information for managing the sales proceeds are provided.
[0012]
In the automatic transaction apparatus of the present invention, the financial transaction is carried out by communicating with an accounting system host apparatus that is disposed in a store and performs an accounting system business in a financial institution, and by using a registered card, Deposit or withdraw money or change at the store.
[0013]
In another automatic transaction apparatus of the present invention, a card handling unit that determines whether the card is a registered card based on information stored in a storage medium of the card, and the card And an operation unit that allows the user to select and perform sales or change of cash at the store when the card is a registered card.
[0014]
In the payment server of the present invention, the store that is communicably connected to an automatic transaction apparatus disposed in a store and an automatic transaction apparatus that performs an account operation in a financial institution, and is performed by the automatic transaction apparatus Manages information on sales and changes in sales or change.
[0015]
In another payment server of the present invention, cash management of the store is performed by separating into sales and change based on the deposit / withdrawal information corresponding to the store account.
[0016]
In still another payment server of the present invention, a first storage unit that stores transaction information related to the deposit or withdrawal of the sales or change, and a second storage unit that stores transaction information for managing the change, And a third storage unit for storing transaction information for managing the sales.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
[0018]
FIG. 1 is a diagram showing a configuration of a cash management system according to an embodiment of the present invention.
[0019]
In the figure, 11 is a store, 18 is a financial institution, and 19 is an operation center. The store 11 is, for example, a store such as a convenience store, a supermarket, or a department store, or a restaurant such as a restaurant or a coffee shop, but may be any type of store as long as it sells products and services. Good. Here, there are a plurality of the stores 11, and each store 11 is provided with a register machine 17 for collecting sales and storing sales. In addition, the number of the register machines 17 in each store 11 may be single or plural, and can be arbitrarily set. Further, the register machine 17 may be disposed in a store 11 ′ different from the store 11. The store 11 ′ is, for example, a tenant in a shopping mall or a nearby chain store.
[0020]
When the customer visiting the store 11 purchases goods and services sold in the store 11 and pays the price, the register machine 17 is operated by a store clerk such as a cashier in the store 11, It is an apparatus for inputting the price as sales of goods and services and totaling the total sales, and storing cash received from the customer as the price. The store clerk takes out cash necessary for change from the register machine 17 and delivers it to the customer. In this case, coins and banknotes are sorted and stored for each denomination in the drawer (drawer) of the register machine 17.
[0021]
The register machine 17 may function as a POS terminal in a so-called POS (Point of Sales) system. In this case, not only sales but also sales information such as product items for each product or service purchased by the customer is input to the register machine 17. For example, when there are a plurality of register machines 17 provided in the store 11, a store computer (not shown) for counting sales information and sales input to the plurality of register machines 17 is provided. Is connected to the register machine 17 via a LAN (Local Area Network), and collects the sales information and sales every time the sales information and sales are input to the register machine 17, and the sales of the store 11 as a whole. Aggregate information and sales.
[0022]
Further, when the store 11 belongs to a store organization such as a chain store organization, such as a store organization to which a plurality of stores belong, a restaurant organization, etc., the store computer is connected to the store computer via a communication line (not shown). It is connected to a head office computer (not shown) disposed at the head office of the store organization. The head office computer collects sales information, sales, and the like of each store 11, and totals sales information, sales, etc. of all stores 11. Thereby, the said head office computer can grasp | ascertain the stock condition of the goods of each store 11, and can calculate information, such as the item of goods newly purchased, quantity. And the information totaled or calculated by the head office computer can be used in store guidance or the like. In the present embodiment, it is assumed that the store 11 belongs to a store organization.
[0023]
Reference numeral 12 denotes an automatic transaction apparatus such as an ATM (Automatic Teller Machine) or a CD (Cash Dispenser) installed in the store 11, which is operated by the user himself / herself. It is a device for conducting financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. The automatic transaction apparatus 12 may be a multi-function terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. Good.
[0024]
The automatic transaction apparatus 12 is a kind of computer including a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means and the like, and an input device such as a keyboard, a touch panel and a mouse, An operation unit including a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display is included. Note that the operation unit is preferably a touch panel having both functions of an input device and a display device.
[0025]
The automatic transaction apparatus 12 has a card handling unit that handles cards such as cash cards. The card handling unit includes a card slot into which a card is inserted, and in the card slot, a conveying device that conveys the card, and reading information stored in a storage medium such as a magnetic stripe of the card or an IC, A read / write head such as a magnetic head for overwriting and erasing is provided.
[0026]
Further, the automatic transaction apparatus 12 includes a passbook entry part for making a deposit in a bankbook such as a bankbook, a statement slip issuing part for issuing a statement slip, a banknote depositing / withdrawing part for handling banknotes, and a coin depositing / withdrawing part for handling coins. It has a money deposit / withdrawal department. The automatic transaction apparatus 12 has a transmission / reception unit connected to the network 14. In addition, the number of the automatic transaction apparatuses 12 arrange | positioned at the said store 11 may be single, and plural may be set arbitrarily.
[0027]
In the present embodiment, the automatic transaction apparatus 12 communicates with an accounting system host apparatus that performs an accounting system business in the financial institution 18 and performs a financial transaction, and uses the registered card to thereby store the store. 11 is used for depositing / withdrawing sales or change.
[0028]
The financial institution 18 is, for example, a bank, a credit union, a post office or the like, and an account host computer 16 as an account host device is provided. The accounting host computer 16 includes a computing means such as a CPU and an MPU, a storage means such as a magnetic disk and a semiconductor memory, an input means such as a keyboard and a pointing device such as a mouse, a display means such as a CRT and a liquid crystal display, and an input / output An interface, a communication interface, etc. are provided. The account host computer 16 executes financial transaction processing in the financial institution 18, and performs financial processing such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. Performs account-related operations at the financial institution 18. In the present embodiment, there are a plurality of financial institutions 18, and each financial institution 18 is provided with an account host computer 16 that performs each account-related business.
[0029]
Further, the operation center 19 is interposed between the automatic transaction apparatus 12 and the account host computer 16 and connects the automatic transaction apparatus 12 to the account host computer 16 of the selected financial institution 18. 13 is disposed. The payment server 13 includes an arithmetic unit such as a CPU and an MPU, a storage unit such as a magnetic disk and a semiconductor memory, an input unit such as a keyboard and a pointing device such as a mouse, a display unit such as a CRT and a liquid crystal display, an input / output interface, A computer having a communication interface or the like, connected to the automatic transaction apparatus 12 via the network 14 and connected to the accounting host computer 16 via the network 15.
[0030]
In the present embodiment, the payment server 13 manages sales / change information of sales or change at the store 11 performed by the automatic transaction apparatus 12. In this case, based on the deposit / withdrawal information corresponding to the account of the store 11, the cash management of the store 11 is performed by separating into sales and change. The payment server 13 includes a processing unit 31, a first storage unit 32, a second storage unit 33, and a third storage unit 34. The said processing part 31 performs the process for managing the deposit or withdrawal information of the sales or change in the store 11 performed by the automatic transaction apparatus 12. The first storage unit 32 stores transaction information relating to sales or changes in cash, the second storage unit 33 stores transaction information for managing changes, and the third storage unit 34 stores sales. Store transaction information for management.
[0031]
In addition, the payment server 13 connects the automatic transaction apparatus 12 to an account host computer 16 of a financial institution 18 that is a business partner of a user who operates the automatic transaction apparatus 12. That is, when the customer of the store 11 uses the automatic transaction apparatus 12 as a user, the user operates the operation unit of the automatic transaction apparatus 12 and selects his / her business partner from a plurality of predetermined financial institutions 18. The financial institution 18 is selected. When the user inserts the card into the card slot, the information stored in the storage medium of the card may be read and the financial institution 18 as a business partner may be automatically selected. In this way, after the automatic transaction apparatus 12 is connected to the account host computer 16 of the financial institution 18 of the business partner, the user operates the automatic transaction apparatus 12 by himself / herself, and deposits / withdraws, a passbook, Performs financial transactions such as balance inquiry, transfer, transfer, remittance, and time deposit setting.
[0032]
The network 14 and the network 15 are preferably online networks, but are LANs or intranets composed of wireless or wired dedicated communication lines, but may be wide-area networks such as a WAN (Wide Area Network). It may be anything. The network 14 and the network 15 may be a VPN (Virtual Private Network) using a public communication line network.
[0033]
Next, details of the configuration of the payment server 13 and the billing host computer 16 will be described.
[0034]
FIG. 2 is a diagram showing details of the configuration of the payment server and the accounting host computer in the embodiment of the present invention, and FIG. 3 is stored in the first to third storage units of the payment server in the embodiment of the present invention. It is a figure which shows information.
[0035]
As shown in FIG. 2, the account host computer 16 includes a store account 21 that is an account opened by the store 11 and a headquarter account that is an account opened by the headquarters of the store organization to which the store 11 belongs. 22 has been established. The account host computer 16 is an account host computer that performs account operations of the store 11 and the financial institution 18 that is a business partner of the headquarters. The store account 21 and the headquarter account 22 may be opened in different account host computers 16, but in the present embodiment, for the convenience of explanation, they are opened in the same account host computer 16. Shall.
[0036]
Here, the store account 21 is an account for managing funds for operating the store 11, and funds for purchasing change, daily office supplies, consumables, etc. used by the store 11 are deposited. Yes. When funds are needed at the store 11, the funds are withdrawn from the store account 21. Further, when the change is collected, it is deposited into the store account 21. The head office account 22 is an account for the head office to collect the sales proceeds of each store 11 belonging to the store organization. That is, each store 11 collects daily sales and transfers them to the headquarter account 22 according to the sales of the register machine 17 for depositing. In the headquarters, it is determined that the money from the store 11 has been collected after confirming that the money has been deposited in the headquarters account 22. Therefore, the headquarter account 22 is an account dedicated to deposit by transfer or the like from the viewpoint of the store 11.
[0037]
On the other hand, the payment server 13 is provided with an operation account 23 for withdrawing changes at the store 11 and sequentially depositing sales. The operation account 23 is an account for frequently making deposits and withdrawals as the store 11 operates. In addition, the store account 21 opened in the account host computer 16 can also be used for the said deposit / withdrawal. However, for example, if a financial transaction such as deposit / withdrawal is performed at the store account 21 of the account-type host computer 16 on a holiday or late at night, a fee is required or frequent financial transactions will exceed the communication capacity of the network 15. There is a risk of getting lost. Therefore, the operational account 23 is effective to temporarily store the transaction status and collectively perform transactions with the store account 21 of the account host computer 16. Furthermore, in the operation account 23, each transaction executed from the opening to closing of the store 11 and its breakdown can be stored, and the transaction history can be verified from the automatic transaction apparatus 12 as necessary.
[0038]
In addition, when the sales closing after the store 11 is closed, the payment server 13 makes the change withdrawal history until the sales closing, the receipt history of the sales, and the day when the payment is made to the automatic transaction apparatus 12. According to the sales, the account balance is divided into sales and change, and processing for depositing into the store account 21 and the head office account 22 of the corresponding account host computer 16 is executed. That is, the management account 23 has three virtual accounts, a temporary account 24, a change account 25, and a sales account 26. The first storage unit 32 functions as a temporary account 24, the second storage unit 33 functions as a change account 25, and the third storage unit 34 functions as a sales account 26.
[0039]
In this case, the first storage unit 32 includes, for example, data storage files 32a, 32b, and 32c corresponding to each store 11, as shown in FIG. In the example shown in FIG. 3A, each of the data storage files 32a, 32b, 32c, etc. stores information on the amount deposited / withdrawn by the store clerk operating the automatic transaction apparatus 12 or the like. Is done. Moreover, the said 2nd memory | storage part 33 is provided with the data storage file 33a, 33b, 33c etc. corresponding to each store 11, for example, as FIG.3 (b) shows. In the example shown in FIG. 3B, the data storage files 33a, 33b, 33c and the like each store information relating to the amount of change paid out and the balance of change reserve. Further, the third storage unit 34 includes, for example, data storage files 34a, 34b, 34c corresponding to each store 11, as shown in FIG. In the example shown in FIG. 3C, the data storage files 34a, 34b, 34c, etc. each store information on the amount of sales or the amount transferred to the headquarter account 22.
[0040]
Here, the temporary account 24 is an account in which a store clerk of the store 11 directly deposits / withdraws by operating the automatic transaction apparatus 12. Further, the change account 25 is an account that manages an amount set in advance as a change reserve in cash managed by the store account 21. In other words, the change paid for the business of the store 11 is managed, and for example, change more than the amount set by malicious intention is prevented from being paid. Further, the sales account 26 is an account for depositing the amount designated as sales out of the cash received from the store 11, and temporarily manages the sales until it is transferred to the head office account 22.
[0041]
Next, the operation of the cash management system configured as described above will be described. Here, the operation of change sales management as cash management in the store 11 using the automatic transaction apparatus 12 will be described. In addition, although there are stores that are open 24 hours a day recently, in the present embodiment, the store 11 will be described as a store that opens in the morning and closes at night. First, an outline of the change sales management operation will be described.
[0042]
FIG. 4 is a flowchart showing an outline of the change sales management operation in the embodiment of the present invention.
[0043]
In the figure, the left column shows the operation from the opening of the store 11 to the closing thereof, and the right column shows the operation using the automatic transaction apparatus 12 corresponding to the business of the store 11.
[0044]
First, in the store 11, a store clerk prepares a change to be used for sales on the day before the store opens. The change requires coins and bills of each denomination depending on the sales amount and the like. Therefore, the store clerk operates the automatic transaction apparatus 12 to withdraw coins and bills of various denominations necessary for change. The operation of the automatic transaction apparatus 12 is the same as in the case of withdrawal in a normal financial transaction.
[0045]
That is, the store clerk is issued in correspondence with the store account 21 opened in the account host computer 16 of the financial institution 18 that is the business partner of the store 11 and is a cash card as a store clerk card registered in advance. Withdrawal to prepare for change using the card. However, unlike withdrawals in normal financial transactions, the withdrawal amount and designation of the denomination of the denomination are selected from withdrawal patterns designated in advance. For example, a pattern is selected in which 50 pieces of 1-yen coins, 10-yen coins, and 100-yen coins are dispensed, 10-yen coins each of 5-yen coin, 50-yen coin, and 500-yen coin. Then, the coins and bills of each denominated money are sorted for each denomination in the drawer of the register machine 17 arranged at the sales floor in the store 11 and stored as a change reserve, and ready for opening. Complete.
[0046]
Subsequently, when the store 11 is ready for opening a product other than change, etc., the store 11 starts its business. In addition, when change is required during business, change is handed over to the customer from the change reserve stored in the register machine 17. Then, the cash received from the customer, that is, the deposit, is stored in the register machine 17 together with the change reserve.
[0047]
In this way, deposits are stored and changes are paid out according to the sale of goods and services. And when sales increase during business hours and deposits become large, excessive cash is collected from the register machine 17 for sales. For example, when the amount of 10,000 yen bills that are unnecessary for change becomes large, sales are collected by lifting the 10,000 yen bills from the register machine 17. Note that the sales collection is to collect a part of the deposit, and the amount collected is not necessarily the amount corresponding to the sales up to that point. Then, the clerk operates the automatic transaction apparatus 12 to deposit the cash collected by the sales collection. In this case, the operation of the automatic transaction apparatus 12 is the same as in the case of deposit in a normal financial transaction.
[0048]
On the other hand, when the change stored in the register machine 17 is insufficient, the change is replenished. In this case, the store clerk operates the automatic transaction apparatus 12 to withdraw coins and banknotes of various denominations necessary as change in the same manner as the change preparation before opening as described above. However, unlike the change preparation, instead of selecting from a specific pattern, a necessary denomination is designated and a necessary number of coins or banknotes are dispensed for each denomination. It is also possible to select a predetermined pattern from among predetermined withdrawal patterns, for example, a withdrawal pattern of 30 10-yen coins and 30 100-yen coins. Note that the sales collection and change replenishment may be performed as many times as necessary during business hours.
[0049]
Thereby, an appropriate amount of change is always stored in the register machine 17. For this reason, it is possible to prevent a change from being inconvenient because a large amount of change is stored. In addition, even when the change is near, the change can be easily replenished.
[0050]
Further, by managing the cards used for the store clerk to operate the automatic transaction apparatus 12 to deposit and withdraw money, transaction records can be managed for each store clerk. Therefore, cash management for each clerk can be performed together with cash management in the store 11.
[0051]
In this way, the store 11 is operated and the business is ended. Since the sales of the day ended, the sales from the start of business to the end of sales are totaled, and the sales are closed. That is, the store clerk raises all the deposits and change reserves stored in the register machine 17 and operates the automatic transaction apparatus 12 to deposit money. In this case, the operation of the automatic transaction apparatus 12 is the same as that in the case of deposit in a normal financial transaction, but the total sales from the start of business on the day until the end of business can be input.
[0052]
Next, a flowchart will be described.
Step S1 The store clerk at the store 11 operates the automatic transaction apparatus 12 to withdraw money for preparing change.
Step S2 Business starts at the store 11.
Step S3 Business is conducted at the store 11.
Step S4 The store clerk at the store 11 collects the sales proceeds and operates the automatic transaction apparatus 12 to deposit money.
Step S5 The store clerk at the store 11 operates the automatic transaction apparatus 12 to withdraw money for replenishment.
Step S6 The business at the store 11 ends.
Step S7 The store clerk at the store 11 closes the sales and operates the automatic transaction apparatus 12 to deposit money.
[0053]
Next, the change sales management operation in the store 11 using the automatic transaction apparatus 12 will be described in detail.
[0054]
FIG. 5 is a diagram showing an example of a statement slip printed with transaction tabulation in the embodiment of the present invention, and FIG. 6 is a flowchart showing details of an operation of change sales management in the embodiment of the present invention.
[0055]
First, the change preparation operation will be described.
[0056]
In this case, when the clerk inserts the card assigned to him into the card slot of the automatic transaction apparatus 12, the automatic transaction apparatus 12 accepts the card. The card handling unit of the automatic transaction apparatus 12 reads information stored in a storage medium such as a magnetic stripe or IC of the inserted card, and determines whether the card corresponds to a clerk card registered in advance. to decide. When the card does not correspond to a store clerk card, the automatic transaction apparatus 12 determines that the card is a general card for use in general financial transactions, and deposits / withdraws, passbook entry, balance inquiry, Starts operations for normal financial transactions such as transfers, transfers, remittances, and fixed-term deposits. In addition, description about the operation | movement for performing a normal financial transaction is abbreviate | omitted.
[0057]
When it is determined that the card is a clerk card, the automatic transaction apparatus 12 can select the corresponding register machine 17 from the plurality of register machines 17. In this case, a screen for selecting the register machine 17 is displayed on the touch panel of the operation unit. On the screen, for example, a button indicating the number of the register machine 17 is displayed as selection means. Then, the store clerk can select the register machine 17 by touching a button indicating the number of the corresponding register machine 17. In addition, when the register machine 17 is single, the operation | movement which selects the register machine 17 can be abbreviate | omitted.
[0058]
Subsequently, the automatic transaction apparatus 12 makes it possible to select a transaction for change sales management. In this case, a screen for selecting withdrawal or deposit is displayed on the touch panel of the operation unit. On the screen, for example, a withdrawal button and a deposit button are displayed as selection means. Then, the store clerk can select the withdrawal or the deposit by touching the withdrawal button or the deposit button. Here, since it is a change preparation transaction, withdrawal is selected.
[0059]
Subsequently, when the automatic transaction apparatus 12 determines that the withdrawal is selected, a screen for selecting a withdrawal breakdown designation method is displayed on the touch panel of the operation unit. In this case, the method of specifying the withdrawal breakdown includes a combination withdrawal for withdrawal according to a preset number of coins of money type and an individual withdrawal for individually specifying the number of money to be dispensed for each denomination. There is money. Therefore, a combination withdrawal button and an individual withdrawal button are displayed on the screen as selection means. Here, since it is change preparation, the store clerk selects the combination withdrawal by touching the combination withdrawal button.
[0060]
Subsequently, when the automatic transaction apparatus 12 determines that the combination withdrawal has been selected, it is used for 6 denominations of 1 to 500 yen coins and change according to the number of money types set in advance. Withdraw banknotes other than 10,000 yen bills from the money deposit / withdrawal department. A clerk card is returned from the card slot of the card handling unit, and a statement slip printed with a breakdown is issued from the statement slip issuing unit. Then, the clerk receives the banknotes, coins, returned cards, and statement slips issued by printing the transaction breakdown. Thereby, operation of the automatic transaction apparatus 12 for change preparation is complete | finished. Here, the dispensed banknotes and coins are sorted and stored in the drawer of the register machine 17 for each denomination, and preparation for sale is completed.
[0061]
Next, the change replenishment operation will be described.
[0062]
In this case, as in the case of change preparation, the store clerk inserts the card assigned to him into the card slot of the automatic transaction apparatus 12. In addition, since it is the same as that of the case of change preparation about the operation | movement until the said automatic transaction apparatus 12 displays the screen which selects the designation method of a payment breakdown on the touch panel of an operation part, description is abbreviate | omitted.
[0063]
In the case of change replenishment, since only a specific denomination is insufficient, the store clerk selects individual withdrawal by touching the individual withdrawal button. Subsequently, when the automatic transaction apparatus 12 determines that the individual withdrawal has been selected, the automatic transaction apparatus 12 displays a screen for designating the denomination and the number thereof on the touch panel of the operation unit. On the screen, for example, as a designation means, a denomination designation that designates either 6 denominations of 1 to 500 yen coins or banknotes other than 10,000 yen bills that are not used for change. A button and a numeric keypad for designating the number of sheets are displayed. The store clerk designates the denomination by touching one of the denomination designation buttons, and then designates the number of sheets by touching the numeric keypad. Thereby, according to the remaining amount of change stored in the register machine 17 and the subsequent business hours, it is possible to designate and dispense the necessary amount of money of the denomination.
[0064]
A plurality of denominations can be specified at the same time. Generally, when there is a shortage of change, there are many factors such as the change being paid out more than expected due to the large number of visitors, so there are many cases where not only one denomination change but also multiple denominations change. . For this reason, a plurality of denominations can be specified and withdrawn at the same time.
[0065]
Subsequently, when the automatic transaction apparatus 12 determines that all necessary denominations and the number thereof are designated, the automatic transaction apparatus 12 dispenses coins and banknotes from the money deposit / withdrawal unit according to the designated number of denominations. A clerk card is returned from the card slot of the card handling unit, and a statement slip printed with a breakdown is issued from the statement slip issuing unit. Then, the store clerk receives the banknotes, coins, returned cards, and detailed statements issued by printing the breakdown. Thereby, operation of the automatic transaction apparatus 12 for change replenishment is complete | finished. Here, the dispensed banknotes and coins are sorted and replenished for each denomination in the drawer of the register machine 17, and the sale is continued.
[0066]
Next, the sales collection operation will be described.
[0067]
In this case, as in the case of change preparation, the store clerk inserts the card assigned to him into the card slot of the automatic transaction apparatus 12. In addition, since it is the same as that of the case of change preparation about operation | movement until the said automatic transaction apparatus 12 displays the screen for selecting withdrawing or depositing on the touch panel of an operation part, description is abbreviate | omitted.
[0068]
In the case of sales collection, since a part of the sales proceeds is input, the store clerk selects the deposit by touching the deposit button. Subsequently, when the automatic transaction apparatus 12 determines that payment has been selected, a screen for selecting sales collection or sales closing is displayed on the touch panel of the operation unit. On the screen, for example, a sales collection button and a sales closing button are displayed as selection means. The store clerk can select sales collection or sales closing by touching the sales collection button and the sales closing button. Here, sales collection is selected.
[0069]
Subsequently, the store clerk inserts banknotes and coins into the money deposit / withdrawal unit of the automatic transaction apparatus 12 to deposit money. Subsequently, the automatic transaction apparatus 12 counts the deposited banknotes and coins. A clerk card is returned from the card slot of the card handling unit, and a statement slip printed with a breakdown is issued from the statement slip issuing unit. Then, the store clerk receives the returned card and the detailed statement issued by printing the breakdown. Thereby, operation of the automatic transaction apparatus 12 for sales collection is complete | finished.
[0070]
Next, the sales closing operation will be described.
[0071]
In this case, as in the case of sales collection, the store clerk inserts the card assigned to him into the card slot of the automatic transaction apparatus 12. Since the operation until the automatic transaction apparatus 12 displays a screen for selecting sales collection or sales closing on the touch panel of the operation unit is the same as that in the case of sales collection, the description thereof is omitted.
[0072]
Then, the store clerk selects the sales closing by touching the sales closing button. Subsequently, when the automatic transaction apparatus 12 determines that the sales closing is selected, the automatic transaction apparatus 12 displays a screen for inputting the sales amount for the day on the touch panel of the operation unit. For example, a numeric keypad for entering sales is displayed on the screen. The salesclerk touches the numeric keypad to input the current day's sales output as the counting result of the register machine 17.
[0073]
Subsequently, the clerk inserts and deposits all the banknotes and coins raised from the register machine 17 into the money deposit / withdrawal unit of the automatic transaction apparatus 12. In this case, the amount raised from the register machine 17 is equal to the amount obtained by subtracting the amount recovered on the way from the sum of the sales amount on the day, the change amount for the day, and the change amount for the change. Therefore, the automatic transaction apparatus 12 aggregates and outputs from the change preparation before the opening of the store to the sales collection, change replenishment during the business, and the closing of the sales after closing as the transaction totaling on the day. A clerk card is returned from the card slot of the card handling unit, and a statement slip on which transaction summary is printed is issued from the statement slip issuing portion. Then, the store clerk receives the returned card and transaction slip printed out and printed. Thereby, the operation of the automatic transaction apparatus 12 for closing sales is terminated.
[0074]
Here, as shown in FIG. 5, transaction summary is printed on the statement slip. In this case, the transaction type sales closing is printed on the first line of the statement slip, the account number is printed on the second line, and the registered store name corresponding to the account number is printed on the third line. In the example shown in FIG. 5, withdrawal for change preparation (¥ 37,200) is performed at 9:45, and after that, payment for sales collection (¥ 150,000) is performed at 14:30, Furthermore, a change replenishment (¥ 3,500) is made at 15:45, and finally a deposit (¥ 178,451) is made by closing the sales at 20:35.
[0075]
As a result of the counting, the total amount of money for the sunrise is ¥ 40,700 for the total amount of 9:45 change preparation and 15:45 change replenishment. And the total amount of sales closing at 20:35 is ¥ 328,451. Further, the sales amount is printed by subtracting the withdrawal total of ¥ 40,700 from the total payment of ¥ 328,451. In this case, the total sales are ¥ 287,761.
[0076]
Further, a value obtained by subtracting the sales amount ¥ 287,761 from the deposit total ¥ 328,451 is printed as a balance. In this case, the balance is ¥ 40,690. Originally, this balance and the withdrawal total match. That is, the total deposit is the total amount of the amount withdrawn as change and the sales amount.
[0077]
Accordingly, the balance ¥ 40,690 obtained by subtracting the sales amount from the deposit meter is equal to the withdrawal meter ¥ 40,700, which is the total amount withdrawn as change. However, in the example shown in FIG. 5, the balance is insufficient by ¥ 10. Therefore, the change amount -10 is printed on the last line of the statement slip. The change amount is originally correct as ¥ 0, but is output as a change amount in this way, for example, when change is excessively transferred due to an error in the change of the change being sold.
[0078]
In this way, in the present embodiment, the store clerk operates the automatic transaction apparatus 12 to pay out change or deposit sales.
[0079]
Next, a flowchart will be described.
Step S11 The automatic transaction apparatus 12 accepts a card.
Step S12: The automatic transaction apparatus 12 determines whether it is a clerk card. If it is a clerk card, the process proceeds to step S14. If it is not a clerk card, that is, if it is a general card, the process proceeds to step S13.
Step S13 A financial transaction is performed.
Step S14: The register machine 17 is selected.
Step S15 Transaction is selected.
Step S16: The automatic transaction apparatus 12 determines whether or not withdrawal has been selected. If the withdrawal is selected, the process proceeds to step S17. If not, that is, if the deposit is selected, the process proceeds to step S22.
Step S17: A withdrawal breakdown designation method is selected.
Step S18: The automatic transaction apparatus 12 determines whether or not combination withdrawal has been selected. If combined withdrawal is selected, the process proceeds to step S21. If not combined withdrawal, that is, if individual withdrawal is selected, the process proceeds to step S19. Step S19 The denomination and the number of sheets are designated.
Step S20 The automatic transaction apparatus 12 determines whether or not the designation has been completed. When the designation is completed, the process proceeds to step S21, and when the designation is not completed, the process returns to step S19.
Step S21 The automatic transaction apparatus 12 withdraws banknotes and coins and ends the process. Step S22 Sales collection or sales closing is selected.
Step S23: The automatic transaction apparatus 12 determines whether sales collection has been selected. If it is sales collection, the process proceeds to step S25, and if it is not sales collection, that is, if it is sales closing, the process proceeds to step S24.
Step S24: Sales are input.
Step S25 Bills and coins are deposited in the automatic transaction apparatus 12, and the process is terminated.
[0080]
Thus, in this Embodiment, the automatic transaction apparatus 12 arrange | positioned in the store 11 can be operated, and change can be withdrawn or sales can be deposited. Therefore, it is not necessary to go to the financial institution 18 for the preparation of change or the receipt of sales, and the trouble of cash management at the store 11 can be saved, and there is no problem in crime prevention.
[0081]
Moreover, since the automatic transaction apparatus 12 is operated by using the registered card, even a store clerk other than a specific store clerk such as the person in charge of the store 11 can withdraw changes or make sales. You can deposit money. For this reason, the business burden is not concentrated on a specific store clerk, and the business efficiency of the store 11 can be improved.
[0082]
In addition, since the automatic transaction apparatus 12 disposed in the store 11 is operated to change the money or deposit the sales, the money can be frequently paid and withdrawn and stored in the register machine 17. Cash can be maintained within an appropriate range.
[0083]
Next, the movement of the amount between accounts opened in the payment server 13 and the account host computer 16 will be described.
[0084]
First, the movement of the amount of money between accounts in the change preparation will be described.
[0085]
In this case, an amount set in advance as a change reserve is transferred from the store account 21 to the change account 25 in accordance with the advance setting. And, since the withdrawal of the change reserve by operating the automatic transaction apparatus 12 is performed from the change account 25, it is not possible to withdraw more than a preset amount.
[0086]
Then, when the store clerk operates the automatic transaction apparatus 12 disposed in the store 11 to execute the change preparation transaction, the automatic transaction apparatus 12 pulls out the necessary change reserve from the temporary account 24 of the payment server 13. Request. At this time, since there is no change reserve in the temporary account 24, the payment server 13 moves the amount of change reserve requested this time from the change account 25 to the temporary account 24. Thereby, the change reserve is withdrawn from the automatic transaction apparatus 12.
[0087]
For example, it is assumed that the change reserve set in advance is ¥ 100,000 and the change reserve withdrawn this time is ¥ 37,200. In this case, ¥ 100,000 is deposited from the store account 21 established in the account host computer 16 to the change account 25 established in the payment server 13. In the payment server 13, ¥ 37,200 is deposited from the change account 24 to the temporary account 24, and the balance of the change account 25 becomes ¥ 62,800. Further, ¥ 37,200 is withdrawn from the temporary account 24 to the automatic transaction apparatus 12.
[0088]
Next, the movement of the amount of money between accounts in change replenishment is demonstrated.
[0089]
For example, when the clerk operates the automatic transaction apparatus 12 to replenish change and, for example, withdraws ¥ 3,500, the automatic transaction apparatus 12 withdraws ¥ 3,500 from the temporary account 24 of the payment server 13. Request. Then, the payment server 13 moves the change replenishment amount ¥ 3,500 requested this time from the change account 25 to the temporary account 24. As a result, ¥ 3,500 is withdrawn from the automatic transaction apparatus 12.
[0090]
In this case, since ¥ 3,500 is deposited from the change account 25 to the temporary account 24 and ¥ 3,500 is withdrawn from the temporary account 24 to the automatic transaction apparatus 12, the balance of the change account 25 is ¥ 59,300. Become.
[0091]
In this way, the change account 25 is withdrawn from the change account 25 via the temporary account 24 each time change is made and changed. The movement status of these amounts is recorded in the change account 25 as a transaction record.
[0092]
Next, the movement of the amount between accounts in sales collection will be described.
[0093]
When the store clerk operates the automatic transaction apparatus 12 disposed in the store 11 to execute sales collection, the automatic transaction apparatus 12 deposits money into the temporary account 24 of the payment server 13. For example, when the sales recovery of ¥ 150,000 is executed, ¥ 150,000 is deposited from the automatic transaction apparatus 12 to the temporary account 24. In this case, it is not possible to determine whether the deposited amount is sales or a collected change reserve. Therefore, the balance of the temporary account 24 is managed.
[0094]
Next, the movement of the amount between accounts at the time of sales closing will be described.
[0095]
When the store clerk operates the automatic transaction apparatus 12 disposed in the store 11 to execute the sales closing, the automatic transaction apparatus 12 deposits the temporary account 24 of the payment server 13. Further, in the closing of sales, the amount of cash received, that is, the amount of money received and the input sales amount are notified.
[0096]
For example, the deposit amount is ¥ 178,451, and the sales amount is ¥ 287,761. In the above-described sales collection, ¥ 150,000 is deposited in the temporary account 24, so the balance of the temporary account 24 is ¥ 150,000. Since ¥ 178,451 is deposited from the automatic transaction apparatus 12 to the temporary account 24, the balance of the temporary account 24 is ¥ 328,451.
[0097]
Further, it is considered that the store 11 is closed and the business is ended by the closing of sales, and the payment server 13 executes a settlement process from the change preparation before opening the store to the closing of sales in the operation account 23. That is, according to the sales of ¥ 287,761, ¥ 287,761 is deposited from the temporary account 24 to the sales account 26, the balance of the temporary account becomes ¥ 40,690, and the balance of the sales account is ¥ 287. , 761.
[0098]
Furthermore, since the balance of the temporary account 24 is a balance obtained by subtracting the sales amount from all the deposit amounts, it corresponds to the collected change reserve. Therefore, when the balance of the temporary account 24 of ¥ 40,690 is deposited into the change account 25, the balance of the temporary account 24 becomes ¥ 0 and the balance of the change account 25 becomes ¥ 99,990. The final balance of each account is that the balance of the temporary account 24 is ¥ 0, the balance of the change account 25 is ¥ 99,990, and the balance of the sales account is ¥ 287,761.
[0099]
As described above, in the present embodiment, the payment from the temporary account 24 to the sales account 26 and the change account 25 of the balance based on the sales amount corresponding to the sales closing process of the automatic transaction apparatus 12. Transfer to is automatically performed. Therefore, it is possible to automatically separate the change and sales mixed in the register machine 17 and deposit them into the change account 25 and the sales account 26 as corresponding accounts, thereby preventing mistakes during the process. Can do.
[0100]
In the present embodiment, it has been described that the amount deposited into the change account 25 is 10 yen less than the amount previously deposited as a change reserve due to a change delivery error or the like. In such a case, the sales account 26 is credited with an amount according to the sales totaled by the closing of the sales, and the change account 25 is credited including the excess or deficiency of the balance. This is because the sales amount is totaled by the register machine 17 and notified to the headquarters, and if there is an error with the sales amount in the headquarters account 22, it cannot be determined whether or not the sales amount has been properly deposited. It is. In addition, the error is almost always the responsibility of the store 11 such as a change delivery mistake. Thus, by leaving the error in the change account 25 in this way, the subsequent processing can be easily understood and the responsibility can be clarified.
[0101]
In the embodiment, the operation account 23 has been described as an account opened by the store 11 in the payment server 13 in order to mediate the transaction between the store account 21 and the headquarter account 22. However, since the payment server 13 is not the account host computer 16, it is assumed that the account cannot be processed. In such a case, the payment server 13 may temporarily change funds, and the operation account 23 may be virtually opened in the payment server 13.
[0102]
Further, in the present embodiment, the temporary account 24 for making deposits and withdrawals established in the payment server 13, the change account 25 for managing change reserves, and the sales account for managing sales. 26 allows management of change reserves used in the store 11 and management of sales proceeds of the store 11 at the same time.
[0103]
Furthermore, since change and sales can be automatically separated and managed, it is possible to easily manage change reserves in the store 11, manage sales in the headquarters, and deposit money. Can be managed safely and reliably.
[0104]
In addition, in this Embodiment, although the case where the automatic transaction apparatus 12 was utilized for cash deposit / withdrawal was demonstrated, it is not the automatic transaction apparatus 12, but the exclusive deposit / withdrawal which can perform the deposit or withdrawal of a coin and a banknote. A gold machine can also be used. In this case, it is possible to handle a large amount of coins necessary for deposit and withdrawal of change, and it is possible to deposit a large amount of banknotes when depositing sales.
[0105]
Moreover, although the case where the temporary account 24, the change account 25, and the sales account 26 were opened in the payment server 13 arrange | positioned in the operation center 19 in order to perform cash deposit / withdrawal management was demonstrated, it is not necessarily an actual account. For example, cash deposits / withdrawals are made using the store account 21 opened in the account host computer 16 of the financial institution 16, and the deposit / withdrawal amount and balance with respect to the store account 21 for managing change and sales. An information management device or the like that stores the breakdown of the above may be provided in the operation center 19.
[0106]
Furthermore, the control part of the automatic transaction apparatus 12 may act for the function of the information management apparatus. In this case, there may be cases where payment processing to the store account 21 established in the account host computer 16 or transfer to the headquarter account 22 cannot be performed, but cash total management at the store 11 is possible, at least It can fulfill the cash management function in the store 11.
[0107]
Further, if the sales amount can be notified to the operation center 19, it is not necessary to use the automatic transaction apparatus 12. For example, the register machine 17 that collects the sales amount of the store 11 and the payment server of the operation center 19. 13 may be connected via a telephone line or the like, and the sales amount may be notified directly to the operation center 19.
[0108]
In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.
[0109]
【The invention's effect】
As described in detail above, according to the present invention, cash and cash changes are managed in a store by managing sales and change using an automatic transaction apparatus for performing financial transactions arranged in the store. It is possible to perform management, and it is not necessary to go to a financial institution for preparing change or depositing sales, so that it is possible to save the trouble of cash management at a store and to manage cash reliably.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a cash management system in an embodiment of the present invention.
FIG. 2 is a diagram showing details of configurations of a payment server and a billing system host computer according to the embodiment of the present invention.
FIG. 3 is a diagram showing information stored in first to third storage units of the payment server in the embodiment of the present invention.
FIG. 4 is a flowchart showing an outline of change sales management operation in the embodiment of the present invention;
FIG. 5 is a diagram showing an example of a statement slip printed with transaction tabulation in the embodiment of the present invention.
FIG. 6 is a flowchart showing details of an operation of change sales management in the embodiment of the present invention.
[Explanation of symbols]
11 stores
12 Automatic transaction equipment
13 Payment Server
16 Account host computer
18 Financial institutions
21 store accounts
22 Headquarters account
24 Temporary account
25 change account
26 Sales Account

Claims (9)

(A) an accounting system host device that performs accounting-related operations in a financial institution;
(B) an automatic transaction apparatus that is disposed in a store and performs financial transactions by communicating with the accounting system host apparatus;
(C) having a payment server that is communicably connected to the accounting system host device and the automatic transaction device, and that manages the deposit or withdrawal information of sales or change in the store performed by the automatic transaction device. Cash management system. The cash management system according to claim 1, wherein the automatic transaction apparatus deposits / withdraws sales or change in the store by using a registered card. The cash management system according to claim 1 or 2, wherein the payment server performs cash management of the store by separating into sales and change based on deposit / withdrawal information corresponding to the store account. The payment server is configured to manage a first storage unit that stores transaction information related to the deposit or withdrawal of the sales money or change, a second storage unit that stores transaction information for managing the change, and the sales amount. The cash management system of any one of Claims 1-3 provided with the 3rd memory | storage part which memorize | stores transaction information. (A) It is arranged in a store and communicates with an accounting system host device that performs accounting-related operations at a financial institution to conduct financial transactions,
(B) An automatic transaction apparatus for depositing / withdrawing sales or change in the store by using a registered card. (A) a card handling unit that determines whether the card is a registered card based on information stored in a storage medium of the card;
The automatic transaction apparatus according to claim 5, further comprising: an operation unit configured to select and perform sales or change of money at the store when the card is a registered card. . (A) a communicable higher-level device that performs account-related work in a financial institution, and an automatic transaction device disposed in a store, so as to be communicable;
(B) A payment server characterized by managing the deposit or withdrawal information of sales or change in the store performed by the automatic transaction apparatus. The payment server according to claim 7, wherein cash management of the store is performed by separating into sales and change based on deposit / withdrawal information corresponding to the store account. A first storage unit that stores transaction information relating to the deposit or withdrawal of the sales or change, a second storage unit that stores transaction information for managing the change, and transaction information for managing the sales The payment server according to claim 7, further comprising a third storage unit configured to perform the storage.

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