JP6849495B2 - Money processing system - Google Patents

Description

The present invention relates to a money processing system capable of safely depositing money into an automated teller machine.

Conventionally, ATMs (automated teller machines) that allow customers to deposit and withdraw cash have been installed in retail stores such as convenience stores. ATMs can also be used by store clerks to deposit store sales. If you use an ATM to deposit the sales of the store into the account of the financial institution owned by the store, you do not need to ask the police company to collect the sales, and you need to go to the store of the financial institution with the sales. Nor. For example, in the system disclosed in Patent Document 1, sales can be taken out from a change machine used at a cashier counter in a store and deposited in a predetermined account using an ATM.

Japanese Unexamined Patent Publication No. 2003-263679

However, in the above-mentioned conventional technique, there is a security problem because the sales proceeds of the store are deposited in the ATM installed for the customer's use. Specifically, the work of taking out a large amount of cash from a change machine, moving with the taken out cash in hand, the work of depositing a large amount of cash at an ATM, etc. are all in a place where customers can enter. , May be done in front of the customer.

The present invention has been made to solve the problems caused by the above-mentioned prior art, and an object of the present invention is to provide a money processing system capable of safely depositing money into an ATM.

In order to solve the above-mentioned problems and achieve the object, the present invention is a money processing system, which is a change machine capable of depositing cash received from a customer at a store and withdrawing change returned to the customer. withdrawal and a viable automatic teller machine from the deposit and the account of the customer to the account at the store, feasible and the change machine the housing and feeding of the bill and a detachable storage cassette to the automated teller machine The automated teller machine has a storage and feeding unit capable of storing and feeding banknotes, and a removable collection cassette for storing banknotes collected from the automated teller machine, to the customer's account. In the deposit process for depositing, the banknotes to be deposited are stored in the storage feeding unit, and in the deposit process for depositing the banknotes in the storage cassette, the banknotes are stored in the collection cassette.

Further, the present invention, in the above invention, the change machine is housed in the accommodating cassette feeding bills that were stored in the apparatus of the change machine, the automated teller machine is removed from the change machine When the storage cassette is attached to the automatic teller machine and the deposit process is started, the banknotes are taken out from the storage cassette and stored in the collection cassette, and the amount of the stored banknotes is deposited in the account of the store. It is characterized by executing processing.

Further, in the present invention, in the above invention, the automatic teller machine pays out the banknotes stored in the storage feeding unit and stores them in the storage cassette, and also withdraws the amount of the stored banknotes from the account of the store. The change machine is characterized in that a process of making money is executed, and the change machine is removed from the automatic teller machine and the banknotes are taken out from the storage cassette mounted on the change machine and stored in the machine of the change machine.

Further, the present invention is characterized in that, in the above invention, the change machine stores the banknotes drawn out from the storage cassette in a storage unit for storing banknotes to be used as change.

Further, in the present invention, in the above invention, the storage cassette has a storage medium capable of reading and writing data, the change machine has a reader / writer for reading and writing data in the storage medium, and the automatic teller machine. Has a reader / writer for reading and writing data on the storage medium, and when the change machine and the automated teller machine store bills in the storage cassette, the data related to the stored bills is stored in the storage medium. When writing and mounting the storage cassette, the data is read from the storage medium.

Further, in the present invention, when the process of storing the banknotes constituting the sales amount of the store in the storage cassette is executed by the change machine, the change machine stores the data related to the sales amount. The automatic cash deposit machine equipped with the storage cassette written on the medium and removed from the change machine reads data related to the sales amount from the storage medium, pays out banknotes from the storage cassette, and puts the bills into the collection cassette . It is characterized in that the deposit processing for storing is automatically started, and the processing for depositing the amount of the stored bills into the account of the store as sales proceeds is executed .

Further, in the present invention, when the process of storing the banknotes constituting the change reserve to be replenished in the change machine in the storage cassette is executed by the automatic teller machine, the automatic teller machine , The processing of withdrawing the amount of banknotes stored in the storage cassette from the account of the store is executed, the data related to the change reserve is written in the storage medium, and the storage removed from the automatic teller machine. the change machine the cassette is mounted reads the data according to the change fund from the storage medium, characterized by starting the processing for storing the machine and feeding the bills from the storage cassette automatically.
Further, in the present invention, in the above invention, the change machine writes data related to the change reserve to be replenished to the change machine in the storage medium, and the cash automatic machine to which the storage cassette removed from the change machine is attached. The deposit / payment machine reads the data related to the change reserve from the storage medium, and automatically starts the withdrawal process of paying out the banknotes constituting the change reserve from the storage feeding unit and storing them in the storage cassette. It is characterized by that.
Further, in the above invention, in the above invention, the automatic teller machine is used as the first automated teller machine, and the second automated teller machine allows a customer to deposit money into an account and withdraw money from an account at the store. If a payment machine is further provided and the deposit or withdrawal cannot be executed by the second automated teller machine, the data relating to the deposit or withdrawal is transmitted to the first automated teller machine, and the first cash machine is used. It is characterized in that an automated teller machine executes deposits or withdrawals on behalf of the second automated teller machine .

According to the present invention, after storing banknotes in a storage cassette in the machine of a change machine, the storage cassette is removed from the change machine and attached to an ATM (automated teller machine), and the banknotes are taken out from the storage cassette in the machine of the ATM. You can deposit money at ATMs. As a result, it is possible to safely take out the sales amount of the store from the change machine and deposit it into the ATM.

FIG. 1 is a schematic diagram for explaining the processing contents by the money processing system. FIG. 2 is a block diagram for explaining the functional configuration of the money processing system. FIG. 3 is a perspective view showing the appearance of the change machine and the POS register. FIG. 4 is a schematic cross-sectional view showing the internal configuration of the bill processing unit of the change machine as viewed from the side. FIG. 5 is a perspective view showing the appearance of the ATM. FIG. 6 is a schematic cross-sectional view showing an internal configuration of an ATM banknote processing unit as viewed from the side. FIG. 7 is a perspective view showing the appearance of the storage cassette as seen from the back side. FIG. 8 is a schematic diagram showing an example of a money processing system that transmits sales amount data from the POS server to the head office server. FIG. 9 is a schematic diagram showing an example of a money processing system that uses an ATM with a removable storage cassette in addition to the conventional ATM.

The monetary processing system according to the present invention will be described in detail with reference to the accompanying drawings. FIG. 1 is a schematic diagram for explaining the processing contents by the money processing system. In FIG. 1, the movement of the actual bill is indicated by a solid line arrow, and the movement of the data is indicated by a broken line arrow.

The money processing system includes a change machine 100 installed in the store 10 and an automated teller machine (ATM) 200. Hereinafter, the automatic teller machine will be referred to as "ATM".

The ATM 200 is communicably connected to a financial institution server 40 installed in a financial institution such as a bank. Since the functions and operations of the ATM 200 used by the customer are conventionally known, details are omitted, but the customer who visits the store 10 inserts a cash card or a passbook into the insertion slot provided in the ATM 200, and inserts a cash card or a passbook into a bank account or the like. You can deposit cash into your financial institution's account (deposit) and withdraw cash from your account (withdrawal).

The ATM 200 is communicably connected to the management center server 20 installed in the management center. Here, the management center is a base for managing sales, change reserves, and the like of the store 10. The management center server 20 is communicably connected to the change machine 100 and the ATM 200 of the store 10. The management center server 20 manages the type and number (amount) of cash stored in the change machine 100 and the ATM 200.

The management center server 20 is also communicably connected to the transportation company server 30 installed in the transportation company, the financial institution server 40 installed in the financial institution, and the head office server 50 installed in the head office that controls the store 10. ing. The management center server 20, the police company server 30, the financial institution server 40, and the head office server 50 are all composed of computer devices including a control unit, an operation unit, a display unit, and a storage unit.

The change machine 100 is a device capable of performing deposit processing and withdrawal processing of banknotes and deposit processing and withdrawal processing of coins. Since the functions and operations of the change machine 100 related to the deposit processing and the withdrawal processing are conventionally known, the details will be omitted. The change machine 100 is connected to a POS register 190 constituting a POS system (Point of Sales System) 195. The POS system 195 is composed of a POS server 193 and a POS register 190 communicatively connected to the POS server 193. The quantity, product price, sales amount, etc. of the products in the store 10 are managed by the POS system 195. The POS server 193 manages the denomination and number of cash (amount) stored in the POS register 190 and the denomination and number (amount) of cash stored in the change machine 100.

The change machine 100 and the POS register 190 are installed at a cashier counter where payment is made at the time of transaction with a customer. The clerk in charge of the cashier counter operates the POS register 190 to calculate the price of the product purchased by the customer. The clerk deposits the banknotes and coins received from the customer for payment into the change machine 100. The change machine 100 identifies the denomination and authenticity of the banknotes and coins received from the customer, calculates the total amount, and stores the banknotes and coins in the in-flight storage and feeding units 134, 136, 138 (see FIG. 2). Execute the deposit process. The change machine 100 compares the deposited amount with the product price acquired from the POS register 190, and calculates the change amount when the deposited amount exceeds the product price. Then, the withdrawal process is executed in which the banknotes and coins constituting the change are paid out from the storage and feeding units 134, 136 and 138 in the machine and discharged to the outside of the machine. The clerk returns the change withdrawn from the change machine 100 to the customer. In addition, the clerk hands the receipt printed with the product name, the product price, etc. output by the POS register 190 to the customer and terminates the transaction. In this way, the sales proceeds of the store 10 are stored in the change machine 100.

The change machine 100 is configured so that the storage cassette 300 having the IC tag 304 can be attached and detached. The change machine 100 has a function of writing and reading data to the IC tag 304 of the mounted storage cassette 300. The ATM 200 is configured so that the storage cassette 300 removed from the change machine 100 can be attached and detached. The ATM 200 has a function of writing and reading data to the IC tag 304 of the mounted storage cassette 300.

The change machine 100 and the ATM 200 have a function of storing banknotes in the mounted storage cassette 300 and writing data such as the type, amount of money, and processing method of the stored banknotes to the IC tag 304. Further, when the storage cassette 300 is attached, the change machine 100 and the ATM 200 read the data recorded in the IC tag 304 and execute the processing of the banknotes stored in the storage cassette 300 based on the read data. Has the function of The money processing system uses these functions to withdraw the sales and surpluses of the store 10 from the change machine 100 and deposit them into the ATM 200, and to withdraw the change reserve used in the change machine 100 from the ATM 200. The process of making money and depositing money into the change machine 100 is executed.

The change reserve refers to cash prepared in advance for use as change at the time of trading at the store 10. The change reserve is stored in the machine of the ATM 200, and when the cash used as change in the change machine 100 is insufficient, the cash withdrawn from the ATM 200 is replenished to the change machine 100. Further, the sales amount is cash obtained in the transaction performed at the store 10, and is stored in the change machine 100. The surplus is cash in the store 10 that exceeds a preset amount, and is also stored in the change machine 100. Inside the change machine 100, the sales proceeds and the surplus can be stored in the storage cassette 300. Surplus processing is done in the same way as sales. Therefore, in the present embodiment, the process of storing banknotes in the storage cassette 300 in the change machine 100 will be described by taking sales proceeds as an example.

When the clerk of the store 10 performs a predetermined operation on the POS register 190 or the change machine 100, the change machine 100 pays out the banknotes constituting the sales amount from the storage feeding unit 134, 136, 138 for storing the banknotes in the machine. , It is stored in the storage cassette 300 attached to the change machine 100. The change machine 100 includes the amount of sales proceeds stored in the storage cassette 300, information indicating that the banknotes stored in the storage cassette 300 are sales proceeds, information instructing the ATM 200 to execute the payment processing of sales proceeds, and the like. The sales amount data is written in the IC tag 304 of the storage cassette 300.

As shown by the solid arrow in FIG. 1, the clerk removes the storage cassette 300 containing the sales bills from the front of the change machine 100 and attaches it to the ATM 200 from the front of the ATM 200 (A1). When the storage cassette 300 is attached, the ATM 200 reads the sales amount data written by the change machine 100 from the IC tag 304 of the storage cassette 300 (B1). As described above, in the money processing system, data such as the amount of sales amount managed by the POS system 195 and the change machine 100 can be input to the ATM 200 by using the IC tag 304 of the storage cassette 300.

Based on the sales amount data, the ATM 200 recognizes that the sales amount banknotes are stored in the storage cassette 300 and that the sales amount payment process is instructed, and automatically starts the sales amount payment process. The ATM 200 pays out the banknotes stored in the storage cassette 300, identifies and counts them, and executes a deposit process of storing them in the collection cassette 240 in the machine. Here, the collection cassette 240 is a bill storage unit that is detachably provided in the ATM 200 in order to store the bills to be collected from the ATM 200.

The ATM 200 confirms that the total amount of banknotes drawn out from the storage cassette 300 and deposited in the ATM 200 matches the amount of sales proceeds previously read from the IC tag 304. If they do not match, the ATM 200 will perform processing such as error notification. After confirming that they match, the ATM 200 writes the collected money data including the payment date and time of the sales amount, the payment amount, etc. in the IC tag 304.

When all the banknotes stored in the storage cassette 300 are unwound and emptied, the clerk removes the storage cassette 300 from the front of the ATM 200 and attaches it to the change machine 100 again from the front of the change machine 100. When the storage cassette 300 is attached, the change machine 100 reads the collected money data of the IC tag 304 (B2). The change machine 100 records the information included in the collected money data in the in-flight storage unit 103 (see FIG. 2), and transmits the information to the POS server 193 via the POS register 190. As described above, in the money processing system, the data related to the deposit processing of the sales proceeds performed at the ATM 200 can be input to the change machine 100 and the POS system 195 by using the IC tag 304 of the storage cassette 300.

The ATM 200 transmits to the management center server 20 the ATM data indicating the contents of the deposit processing and the withdrawal processing performed in the same manner as before in the ATM 200, the sales amount data including the total amount of the sales amount bills deposited in the ATM200, and the like. (B3). The management center server 20 manages the denomination and the number (amount) of cash stored in the ATM 200 based on the sales amount data and the ATM data. The management center server 20 compares the denomination and number of cash stored in the ATM 200 with preset conditions, whether it is necessary to collect cash from the ATM 200, and whether the ATM 200 needs to be replenished with cash. Determine if there is.

When it is determined that it is necessary to collect cash from the ATM 200, the management center server 20 transmits the collection instruction data instructing the police company to collect cash to the police company server 30 (B4). When the collection instruction data is received by the transportation company server 30, the person in charge of the transportation company takes an empty collection cassette 240 and heads for the store 10 with the transportation vehicle 31. Then, the collection cassette 240 containing the cash to be collected, such as sales bills, is removed from the ATM 200 and collected (A2). At this time, an empty recovery cassette 240 is mounted on the ATM 200 in place of the recovered recovery cassette 240.

When it is determined that the ATM 200 needs to be replenished with cash, the management center server 20 transmits the delivery instruction data instructing the police company to deliver the ATM reserve to the store 10 to the police company server 30 (B4). ..

The management center server 20 is communicatively connected to the change machine 100, and also manages the amount of cash stored in the change machine 100. The management center server 20 compares the denomination and number of cash stored in the change machine 100 with the denomination and number of cash stored in the ATM 200 with preset conditions, and prepares change to the store 10. Determine if gold needs to be delivered. Specifically, even if there is a shortage of banknotes stored in the change machine 100 for a certain denomination, if a sufficient amount of banknotes are stored in the ATM 200, the ATM 200 does not need to be delivered to the store 10. Is determined to be. On the other hand, when the total of the amount of banknotes stored in the change machine 100 and the amount of banknotes stored in the ATM 200 is less than a predetermined amount, the ATM 200 determines that delivery to the store 10 is necessary. Even when it is determined that the change reserve needs to be delivered, the management center server 20 transmits the delivery instruction data instructing the delivery of the change reserve to the police company server 30 (B4).

When the delivery instruction data is received by the escort company server 30, the person in charge of the escort company heads to the store 10 with the escort vehicle 31 with the ATM reserve and the change reserve. Then, the ATM reserve and the change reserve are deposited into the ATM 200 and replenished (A3). If only the ATM reserve is required, only the ATM reserve is delivered to the store 10, and if only the change reserve is required, only the change reserve is delivered to the store 10.

The process of replenishing the change reserve deposited in the ATM 200 to the change machine 100 is performed by a clerk withdrawing banknotes from the ATM 200 and depositing them in the change machine 100. Specifically, when it becomes necessary to replenish the banknotes in the change machine 100, when the clerk performs a predetermined operation with the POS register 190 or the change machine 100, the change machine 100 is set in advance for the banknotes of each denomination. Compare the set amount with the amount of banknotes of each denomination currently being stored. Then, the change reserve data including the denomination and the number of banknotes that are insufficient for the set amount, the information instructing the ATM 200 to execute the withdrawal process of the change reserve, and the like are stored in the IC tag 304 of the storage cassette 300. Write to. That is, in the IC tag 304, the denomination and the number of banknotes to be replenished to the change machine 100 and the information instructing the ATM 200 to withdraw the replenished banknotes are written in the IC tag 304.

When the clerk removes the storage cassette 300 from the change machine 100 and attaches it to the ATM 200, the ATM 200 reads the change reserve data of the IC tag 304. Then, the ATM 200, which recognizes the denomination and number of banknotes of the change reserve to be stored in the storage cassette 300 and the withdrawal instruction of the change reserve based on the change reserve data, automatically determines the change reserve. Start withdrawal processing. The ATM 200 pays out banknotes from the storage feeding units 234 and 236 (see FIG. 2) that store banknotes in the machine, and stores the denomination and the number of banknotes that are insufficient in the change machine 100 in the storage cassette 300. At this time, information such as the amount of banknotes withdrawn from the ATM 200 as a change reserve is transmitted to the management center server 20 as ATM data. Further, the ATM 200 writes data including the withdrawal date and time of the change reserve, the withdrawal amount, the information instructing the storage of the change reserve, and the like to the IC tag 304.

When the change reserve is stored in the storage cassette 300, the clerk removes the storage cassette 300 from the ATM 200 and reattaches it to the change machine 100 (A4). The change machine 100 reads the data of the IC tag 304, the change reserve is stored in the storage cassette 300, the change reserve needs to be stored in the storage feeding portions 134, 136, 138 in the machine, and the like. Is recognized and the process starts automatically. The change machine 100 pays out the bills stored in the storage cassette 300 and stores them in the corresponding storage feeding units 134, 136, 138. Further, the change machine 100 records data such as the withdrawal date and time and the withdrawal amount of the change reserve read from the IC tag 304 in the in-flight storage unit 103 and transmits the data to the POS server 193 via the POS register 190. ..

The management center server 20 recognizes the sales amount of the store 10 deposited in the ATM 200 based on the sales amount data received from the ATM 200. The management center server 20 transmits the account update data including the account number of the financial institution that manages the sales amount of the store 10 and the amount of the sales amount deposited in the ATM 200 to the financial institution server 40 (B5). The financial institution server 40 executes a process of depositing sales proceeds to the store account and updating the account based on the account update data.

Further, the management center server 20 transmits the sales amount data including the amount of the sales amount deposited in the ATM 200 to the head office server 50 (B6). The head office server 50 manages the sales of the store 10 based on the sales amount data received from the management center server 20.

The account renewal process related to the change reserve is also performed in the same manner. Specifically, the management center server 20 recognizes the amount of the change reserve withdrawn from the ATM 200 based on the ATM data related to the change reserve received from the ATM 200. The management center server 20 transmits account update data including the account number of the financial institution that manages the change reserve of the store 10 and the amount of the change reserve withdrawn from the ATM 200 to the financial institution server 40 (B5). ). The financial institution server 40 executes a process of withdrawing a change reserve from a store account and updating the account based on the account update data.

As described above, in the money processing system, the storage cassette 300 can be attached to the change machine 100, and the sales proceeds can be stored in the storage cassette 300 in the machine. The storage cassette 300 in which the sales proceeds are stored can be removed from the change machine 100, attached to the ATM 200 as it is, and deposited into the ATM 200. Since it is not necessary to take out the banknotes from the change machine 100 or the POS register 190, hold the taken out banknotes in hand, and deposit the banknotes into the ATM 200, it is possible to safely deposit the banknotes into the ATM 200.

Similarly, in the money processing system, the storage cassette 300 can be attached to the ATM 200, and the change reserve can be stored in the storage cassette 300 on board. The storage cassette 300 in which the change reserve is stored can be removed from the ATM 200, attached to the change machine 100 as it is, and replenished to the change machine 100. Since it is not necessary to withdraw the banknotes at the ATM 200 and replenish the withdrawn banknotes to the change machine 100 in hand, the banknotes can be safely replenished to the change machine 100.

Further, as in the conventional case, the data related to the deposit processing and the withdrawal processing performed by the customer at the ATM 200 using a cash card or the like is transmitted from the ATM 200 to the financial institution server 40, while the deposit is performed using the storage cassette 300. The data related to the processing and the withdrawal processing are transmitted from the ATM 200 to the management center server 20. As a result, the management center server 20 can manage the denomination and the number (amount) of the actual banknotes in the store 10 and the account of the store 10.

FIG. 2 is a block diagram for explaining the functional configuration of the money processing system. FIG. 2 shows a component necessary for explaining the money processing system shown in FIG. The configuration of the transport unit and the like for transporting banknotes in the change machine 100 and the ATM 200 will be described later.

As shown in FIG. 2, the change machine 100, ATM 200, and POS server 193 installed in the store 10, the management center server 20, the police company server 30, the financial institution server 40, and the head office server 50 are connected via the network 60. It is connected. The network 60 may be in a mode of using an internet line or a mode of using a dedicated line. It should be noted that each device and each server is communicably connected to the device and server to be communicated according to the function and operation of each device and each server. For example, the change machine 100 communicates with the management center server 20, but does not communicate with the police company server 30, the financial institution server 40, and the head office server 50.

The ATM 200 includes a banknote processing unit 210 for depositing and withdrawing banknotes, a coin processing unit 250 for depositing and withdrawing coins, and a packaging coin processing unit 280 for storing packaging coins. Further, the ATM 200 has a communication unit 202 for communicating with an external device, a storage unit 203, an operation display unit 204 including a touch panel type liquid crystal display device, and a control unit 201 for controlling each unit. Here, the wrapping coin means a coin in which a predetermined number (for example, 20 or 50) of coins of the same denomination are put together in a rod shape and wrapped with a film, wrapping paper, or the like. The packaged coin processing unit 280 is used by the police company to store the packaged coins delivered to the store 10 as an ATM reserve or a change reserve. The packaged coin can be taken out from the packaged coin processing unit 280 by performing a predetermined operation on the operation display unit 204, and can be replenished to the ATM 200 or the change machine 100.

The banknote processing unit 210 of the ATM 200 stores and ejects a cassette mounting unit 226 for detachably mounting a storage cassette 300 having an IC tag 304, an IC tag reader / writer 228 for reading and writing data of the IC tag 304, and banknotes at the time of deposit. It has a plurality of storage and feeding units 234 and 236 for feeding out bills at the time of money, and a collection cassette 240 for storing the bills to be collected.

The change machine 100 includes a banknote processing unit 110 for depositing and withdrawing banknotes, a coin processing unit 150 for depositing and withdrawing coins, and a packaging coin processing unit 180 for storing packaged coins. Further, the change machine 100 has a communication unit 102 for communicating with an external device, a storage unit 103, an operation display unit 104, and a control unit 101 for controlling each unit. The packaging coin processing unit 180 is used to store packaging coins to be used as change. The packaged coin can be taken out from the packaged coin processing unit 180 and replenished to the change machine 100 by performing a predetermined operation on the operation display unit 104.

The bill processing unit 110 of the change machine 100 stores a cassette mounting unit 126 for detachably mounting a storage cassette 300 having an IC tag 304, an IC tag reader / writer 128 for reading and writing data of the IC tag 304, and bills at the time of deposit. It has a plurality of storage and payout units 134, 136, and 138 for paying out banknotes at the time of withdrawal.

Next, the configuration of the change machine 100 will be described with reference to FIGS. 3 and 4. FIG. 3 is a perspective view showing the appearance of the change machine 100 and the POS register 190. FIG. 4 is a schematic cross-sectional view showing the internal configuration of the banknote processing unit 110 of the change machine 100 as viewed from the side. The right side of FIG. 4 is the front surface of the bill processing unit 110, and the left side is the back surface of the bill processing unit 110.

As shown in FIGS. 3 and 4, the bill processing unit 110 has a substantially rectangular parallelepiped housing 112, a bill receiving portion 120 provided on the front side of the housing 112, and a bill receiving portion 120 on the front side of the housing 112. A banknote payout unit 122 provided below the unit 120, a transport unit 130 that transports banknotes one by one inside the housing 112, and a banknote can be stored inside the housing 112 and the stored banknotes can be fed out. It has a plurality of storage and feeding portions 134, 136, and 138.

As shown in FIG. 4, the transport unit 130 is composed of a circular transport unit 130a arranged at a central position of the housing 112 and a plurality of connection transport units 130b. The bill receiving section 120, the bill payout section 122, the withdrawal reject section 124, the cassette mounting section 126 to which the storage cassette 300 can be detachably mounted, and the three storage feeding sections 134, 136, 138 surround the circular transport section 130a. Each of them is connected to the circular transport unit 130a by the connection transport unit 130b. The orbiting transport unit 130a is provided with an identification unit 132. The identification unit 132 identifies the denomination, authenticity, positive loss, etc. of the banknotes transported by the circular transport unit 130a.

The orbiting transport unit 130a can transport the banknotes clockwise or counterclockwise. A route switching unit (not shown) for switching the banknote transport route between the circuit transport unit 130a and each connection transport unit 130b is arranged along the circuit transport unit 130a.

On the front surface of the housing 112, a banknote receiving port 120a for receiving banknotes and a banknote discharging port 122a for discharging banknotes from the banknote payout unit 122 are provided in the banknote receiving unit 120. A door 126a for attaching / detaching the storage cassette 300 to / from the cassette mounting portion 126 is provided on the front surface of the housing 112. The storage cassette 300 inserted into the housing 112 by opening the door 126a is mounted on the cassette mounting portion 126. Although not shown in FIG. 4, an IC tag reader / writer 128 for reading / writing data of the IC tag 304 of the storage cassette 300 mounted on the cassette mounting portion 126 is provided in the housing 112.

The storage cassette 300 mounted on the cassette mounting portion 126 is locked by an electromagnetic lock. Unless the store clerk who has the authority to handle the storage cassette 300 operates the operation display unit 104 or the POS register 190 to execute the authentication process, the electromagnetic lock cannot be released and the storage cassette 300 cannot be taken out from the change machine 100. Specifically, the electromagnetic lock cannot be released unless the operation display unit 104 or the POS register 190 performs a predetermined operation for instructing the removal of the storage cassette 300, and the ID and password are input and authenticated. When the clerk is authenticated and it is confirmed that he / she has the authority to handle the storage cassette 300, the electromagnetic lock is released. When the electromagnetic lock is released, a part of the front side of the storage cassette 300 away from the cassette mounting portion 126 protrudes to the front side of the device, the door 126a is opened, and the storage cassette 300 can be grasped and pulled out.

Banknotes such as sales proceeds to be deposited from the change machine 100 to the ATM 200 are stored in the storage cassette 300 mounted on the change machine 100. Specifically, when a predetermined operation for instructing the payment of sales proceeds is performed by the operation display unit 104 or the POS register 190, the control unit 101 controls the storage feeding unit 134, 136, 138 and the transport unit 130 to sell. Banknotes constituting gold are paid out one by one from the storage and feeding units 134, 136, and 138. The drawn banknotes are conveyed by the orbiting transfer unit 130a via the connection transfer unit 130b. Then, each banknote identified by the identification unit 132 is stored in the storage cassette 300 from the circuit transport unit 130a via the connection transport unit 130b. Further, when the operation of instructing the payment of sales proceeds is performed, the control unit 101 controls the IC tag reader / writer 128 to write the sales proceeds data to the IC tag 304 of the storage cassette 300. After the sales bills are stored in the storage cassette 300, if the operation display unit 104 performs a predetermined operation to release the electromagnetic lock, the door 126a on the front surface of the housing 112 is opened and the sales bills are stored in the storage cassette 300. It can be taken out as it is.

When the change reserve is replenished to the change machine 100, when a predetermined operation for instructing the change reserve replenishment is performed by the operation display unit 104 or the POS register 190, the control unit 101 stores the data stored in the storage unit 103. Refer to. Then, the number of banknotes of each denomination preset as the banknotes to be stored as change in the change machine 100 is compared with the number of banknotes of each denomination stored in the storage feeding unit 134, 136, 138. Then, the denomination and the number of missing banknotes are recognized. The control unit 101 controls the IC tag reader / writer 128 to write change reserve data including such information to the IC tag 304 of the storage cassette 300. After the storage cassette 300 is removed from the change machine 100, when the storage cassette 300 containing the change reserve is reattached to the change machine 100 at the ATM 200, the control unit 101 controls the IC tag reader / writer 128 to control the IC tag. Read the information of 304. From the information of the IC tag 304, the control unit 101 recognizes that the change reserve is stored in the storage cassette 300 and that the change reserve needs to be moved to the storage feeding unit 134, 136, 138 of the change machine 100. Then, the process of paying out the bills from the storage cassette 300 is started. The banknotes drawn out one by one from the storage cassette 300 are conveyed by the circular transfer unit 130a via the connection transfer unit 130b. Then, after being identified by the identification unit 132, the banknotes are stored in the corresponding storage and feeding units 234 and 236 based on the identification result.

Next, the configuration of the ATM 200 will be described with reference to FIGS. 5 and 6. FIG. 5 is a perspective view showing the appearance of the ATM 200. FIG. 6 is a schematic cross-sectional view showing the internal configuration of the banknote processing unit 210 of the ATM 200 as viewed from the side. The right side of FIG. 6 is the front surface of the bill processing unit 210, and the left side is the back surface of the bill processing unit 210.

As shown in FIG. 5, the ATM 200 has a substantially rectangular parallelepiped housing 212. An operation display unit 204, a cash card insertion slot 205, and a passbook insertion slot 206 are provided on the upper surface of the housing 212. The customer operates the operation display unit 204 to insert the cash card into the cash card insertion slot 205 or the passbook into the passbook insertion slot 206, and withdraws from his / her own account and accounts as before. Various processes such as payment to a bank can be executed in the same manner as a conventional ATM. The deposit processing and the withdrawal processing performed by the customer without using the storage cassette 300 are performed while transmitting and receiving data between the ATM 200 and the financial institution server 40 as in the conventional case.

Inside the housing 212 of the ATM 200, there is a banknote processing unit 210 that performs deposit processing and withdrawal processing of banknotes, a coin processing unit 250 that performs deposit processing and withdrawal processing of coins, and a packaging coin processing unit 280 that stores packaging coins. Is provided. The banknote processing unit 210 and the coin processing unit 250 are arranged so as to be arranged side by side when the ATM 200 is viewed from the front side, and the packaging coin processing unit 280 is arranged below the banknote processing unit 210 and the coin processing unit 250. ..

As shown in FIG. 6, the bill processing unit 210 includes a bill receiving portion 220 provided on the front surface of the housing 212, a bill payout portion 222 provided below the bill receiving portion 220 on the front side of the housing 212, and a housing. It is provided with a transport unit 230 that transports bills one by one inside the body 212, and a plurality of storage feed portions 234 and 236 that can store bills inside the housing 212 and can feed the stored bills. There are.

The transport unit 230 is composed of a circular transport unit 230a arranged at the center position of the upper part of the housing 212 and a plurality of connection transport units 230b. The bill receiving section 220, the bill payout section 222, the withdrawal reject section 224, the cassette mounting section 226 to which the storage cassette 300 described later can be detachably mounted, the collection cassette 240, and the two storage feeding sections 234 and 236 are the orbiting transport sections. They are arranged so as to surround the 230a, and each of them is connected to the circular transport unit 230a by the connection transport unit 230b. The orbiting transport unit 230a is provided with an identification unit 232. The identification unit 232 identifies the denomination, authenticity, positive loss, etc. of the banknotes transported by the circular transport unit 230a.

The orbital transport unit 230a can transport the banknotes clockwise or counterclockwise. A route switching unit (not shown) for switching the banknote transport route between the circuit transport unit 230a and each connection transport unit 230b is arranged along the circuit transport unit 230a.

On the front surface of the housing 212, a banknote receiving port (payment port) 220a for receiving banknotes in the banknote receiving unit 220 and a banknote ejection port (withdrawal port) 222a for discharging banknotes from the banknote payout unit 222 are provided. .. Further, on the front surface of the housing 212, a door 226a for mounting the storage cassette 300 on the cassette mounting portion 226 is provided. The door 226a can be opened, the storage cassette 300 can be inserted into the housing 212, and the storage cassette 300 mounted on the cassette mounting portion 226 can be mounted, or the storage cassette 300 mounted on the cassette mounting portion 226 can be taken out. Although not shown in FIG. 6, an IC tag reader / writer 228 for reading / writing data of the IC tag 304 of the storage cassette 300 mounted on the cassette mounting portion 226 is provided in the housing 212.

Banknotes such as sales proceeds collected by the police company are stored in the collection cassette 240. Specifically, when the storage cassette 300 containing the sales bills is mounted on the cassette mounting unit 226, the control unit 201 controls the IC tag reader / writer 228 to read the sales data from the IC tag 304 of the storage cassette 300. The control unit 201 recognizes that the sales amount is stored in the storage cassette 300 and it is necessary to deposit the sales amount into the ATM 200, and starts the process of paying out the banknotes from the storage cassette 300. The banknotes drawn out one by one from the storage cassette 300 are conveyed by the circular transfer unit 230a via the connection transfer unit 230b. Then, each banknote identified by the identification unit 232 is stored in the collection cassette 240 from the orbiting transfer unit 230a via the connection transfer unit 230b. As shown in FIG. 5, a door 240a is provided on the front right side of the housing 212. The person in charge of the police company can open the door 240a, remove the collection cassette 240, and collect the sales bills in the state of being stored in the collection cassette 240.

Similarly, when an empty storage cassette 300 is attached to store the change reserve, the control unit 201 controls the IC tag reader / writer 228 to read the change reserve data from the IC tag 304. The control unit 201 recognizes that the denomination and number of banknotes that are insufficient in the change machine 100 and that the banknotes need to be withdrawn as a change reserve, and prepares for change from the storage and payout units 234 and 236. The process of paying out the banknotes that make up gold is started. The banknotes drawn out one by one from the storage feeding section 234 and 236 are conveyed by the circular transport section 230a via the connecting transport section 230b. Then, each banknote identified by the identification unit 232 is stored in the storage cassette 300 from the circular transport unit 230a via the connection transport unit 230b. When the clerk removes the storage cassette 300 containing the change reserve from the ATM 200 and attaches it to the change machine 100, the change machine 100 performs a process of paying out and replenishing the banknotes from the storage cassette 300.

Next, the configuration of the storage cassette 300 will be described. FIG. 7 is a perspective view showing the appearance of the storage cassette 300 as seen from the back side. As shown in FIG. 7, the storage cassette 300 has a casing 301 having a substantially rectangular parallelepiped shape, and bills are stored in a laminated state inside the casing 301. The storage cassette 300 is configured to be removable from the cassette mounting portion 126 of the change machine 100 and to the cassette mounting portion 226 of the ATM 200.

An opening 302 is provided on the back surface of the casing 301. If the storage cassette 300 is attached to the cassette mounting unit 126 of the change machine 100, the banknotes transported by the transport unit 130 in the change machine 100 can be taken into the storage cassette 300 through the opening 302 and stored. In addition, the banknotes stored in the storage cassette 300 can be fed out from the opening 302 to the transport unit 130. Similarly, if the storage cassette 300 is mounted on the cassette mounting unit 226 of the ATM 200, the banknotes transported by the transport unit 230 of the ATM 200 can be taken into the storage cassette 300 through the opening 302 and stored. In addition, the banknotes stored in the storage cassette 300 can be fed out from the opening 302 to the transport unit 230.

Inside the opening 302, a storage and feeding mechanism for storing and feeding banknotes is provided. When the storage cassette 300 is mounted on the cassette mounting portion 126 of the change machine 100, power is transmitted from the bill processing unit 110 side of the change machine 100 to the storage feeding mechanism of the storage cassette 300. Similarly, when the storage cassette 300 is mounted on the cassette mounting portion 226 of the ATM 200, power is transmitted from the bill processing unit 210 side of the ATM 200 to the storage feeding mechanism of the storage cassette 300. Further, the opening 302 of the storage cassette 300 has a structure in which the bills stored inside cannot be taken out by hand. With the storage cassette 300 removed from the change machine 100 or the ATM 200, the banknotes cannot be taken out of the casing 301, and the security of the banknotes stored in the storage cassette 300 can be ensured.

Further, the storage cassette 300 is fixed in the change machine by an electromagnetic lock. The electromagnetic lock cannot be released unless it is confirmed that the operation display unit 104 or the POS register 190 is operated to execute the authentication process and that the storage cassette 300 has the handling authority. By allowing only a predetermined clerk who has the handling authority to pull out the storage cassette 300 from the change machine 100, the security of the banknotes stored in the storage cassette 300 can be ensured.

Although FIG. 1 shows a mode in which the sales amount data is transmitted from the management center server 20 to the head office server 50, the sales amount data may be transmitted from the POS server 193 to the head office server 50. .. FIG. 8 is a schematic diagram showing an example of a money processing system for transmitting sales amount data from the POS server 193 to the head office server 50. In the money processing system shown in FIG. 8, the sales data of the store 10 is directly transmitted from the POS server 193 to the head office server 50 without going through the ATM 200 and the management center server 20 (B6), as shown in FIG. It is different from the money processing system. Even with the configuration shown in FIG. 8, as described above, the sales proceeds in the change machine 100 can be deposited into the ATM 200 to renew the account of the store 10.

Further, in addition to the ATM conventionally used in the store 10, an ATM 200 to which the storage cassette 300 can be attached and detached may be installed. FIG. 9 is a schematic view showing an example of a money processing system using an ATM 200 to which a storage cassette 300 can be attached and detached in addition to the conventional ATM 500. In the money processing system shown in FIG. 9, the sales data of the store 10 is directly transmitted from the POS server 193 to the head office server 50 (B6), and the conventionally used ATM500 (hereinafter referred to as "conventional ATM500"). After transmitting and receiving data between and the ATM 200 according to the present embodiment (C1, C2), the conventional ATM 500 transmits the account update data to the financial institution server 40 (B5). It's different.

The ATM 200 shown in FIG. 9 is conventionally connected to the ATM 500 so as to be communicable. With the conventional ATM500, deposit processing and withdrawal processing can be performed in the same manner as before. In addition to this, operations related to deposit processing and operations related to withdrawal processing are conventionally performed on the operation display unit of the ATM 500, and ATM command data indicating the processing content is transmitted to the ATM 200 (C1), and the actual banknote is displayed at the ATM 200. It is also possible to make deposits and withdrawals. As a result, even when the storage unit of the ATM 500 is filled with banknotes and cannot be deposited, or when the banknotes are insufficient and cannot be withdrawn, the ATM 200 can perform the deposit processing and the withdrawal processing.

When the sales proceeds are deposited into the ATM 200 using the storage cassette 300 as described above, the ATM 200 conventionally uses the ATM 500 to collect the ATM deposit data including the account number of the store 10 and the amount of the sales proceeds deposited in the ATM 200. (C2). Upon receiving the ATM deposit data, the conventional ATM 500 transmits the account update data including the account number of the store 10 and the information instructing the account of the store 10 to deposit the amount deposited in the ATM 200 to the financial institution server 40. (B5). That is, when the processing of depositing the sales to the ATM 200 using the storage cassette 300 is performed, the payment to the account of the store 10 is performed in the same manner as when the sales are deposited to the ATM 500 using the cash card or the passbook. Account update data instructing (deposit) is conventionally transmitted from the ATM 500 to the financial institution server 40. As a result, as in the case described in FIG. 1, a state in which sales bills are deposited into the ATM 200 using the storage cassette 300, the account of the store 10 is renewed at the financial institution, and the sales proceeds are deposited in the account. Can be.

Further, as described above, when the change reserve to be replenished to the change machine 100 is withdrawn from the ATM 200 using the storage cassette 300, the ATM 200 has the account number of the store 10 and the change preparation withdrawn from the ATM 200. The ATM withdrawal data including the amount of gold is conventionally transmitted to the ATM 500 (C2). The conventional ATM500 that has received the ATM withdrawal data sends the account update data including the account number of the store 10 and the information instructing the withdrawal amount from the ATM 200 to be withdrawn from the account of the store 10 to the financial institution server. It is transmitted to 40 (B5). That is, when the change reserve is withdrawn at the ATM 200 using the storage cassette 300, the change reserve is withdrawn from the store 10 account in the same manner as when the change reserve is withdrawn from the conventional ATM 500 using a cash card or a passbook. Data instructing withdrawal (withdrawal) is conventionally transmitted from the ATM 500 to the financial institution server 40. As a result, as in the case described in FIG. 1, the change reserve is withdrawn from the ATM 200 using the storage cassette 300, the account of the store 10 is renewed at the financial institution, and the change reserve is withdrawn from the account. It can be in a state of money.

In the present embodiment, when the storage cassette 300 containing the sales proceeds is attached to the ATM 200, the process of paying out the sales proceeds from the storage cassette 300 and depositing the sales proceeds into the ATM 200 is automatically started. It is not limited to this. For example, when the storage cassette 300 is attached to the ATM 200, the ATM 200 detects this, displays a menu dedicated to the store on the operation display unit 104, and the clerk performs an operation of depositing sales on the operation display unit 104. , The ATM 200 may be in a mode of starting the deposit processing. Further, in the configuration shown in FIG. 9, the menu display and the operation by the clerk may be conventionally performed on the operation display unit of the ATM 500, and the ATM 200 may start the payment process in response to this operation.

Similarly, when the change reserve is withdrawn, when the storage cassette 300 is attached to the ATM 200, the ATM 200 detects this and displays a menu dedicated to the store on the operation display unit 204, and the clerk displays the operation. When the change reserve withdrawal operation is performed in the part 204, the ATM 200 may start the withdrawal. Further, in the configuration shown in FIG. 9, the menu display and the operation by the clerk may be conventionally performed on the operation display unit of the ATM 500, and the ATM 200 may start the withdrawal process in response to this operation.

Further, in the present embodiment, the ATM 200 shows a mode in which the account number of the store 10 is transmitted to the management center server 20 or the conventional ATM 500, but is limited to a mode in which the account information of the store 10 such as the account number is managed by the ATM 200. It's not something to do. For example, the change machine 100 or the POS system 195 manages the account information of the store 10, and the change machine 100 includes the account information in the sales amount data or the change reserve data written in the IC tag 304 of the storage cassette 300. May be good. Further, the management center server 20 may manage the account information of the store 10.

As described above, according to the money processing system according to the present embodiment, sales and surplus money are taken out from the change machine 100 by using the change machine 100 and the ATM 200 in which the storage cassette 300 is detachably provided. The work of depositing money into the ATM 200 can be performed safely. Similarly, the work of withdrawing the change reserve from the ATM 200 and replenishing the change machine 100 can be safely performed.

As described above, the money processing system according to the present invention is useful for safely depositing money into an ATM in a store.

20 Management center server 30 Police company server 40 Financial institution server 50 Head office server 60 Network 100 Change machine 101, 201 Control unit 102, 202 Communication unit 103, 203 Storage unit 104, 204 Operation display unit 110, 210 Banknote processing unit 126, 226 Cassette mounting unit 128, 228 IC tag reader / writer 134, 136, 138, 234, 236 Storage feeding unit 150, 250 Coin processing unit 180, 280 Packaging coin processing unit 190 POS register 193 POS server 195 POS system 200 ATM (automated teller machine) )
240 Recovery cassette 300 Storage cassette 304 IC tag

Claims (9)

A change machine that can deposit cash received from customers at stores and withdraw change returned to customers,
An automated teller machine that allows customers to make deposits and withdrawals from their accounts at the stores.
It can perform storage and feeding the paper money and a removable storage cassette to the change machine and the automated teller machine,
The automatic teller machine
It has a storage and feeding unit capable of storing and feeding banknotes, and a removable collection cassette for storing banknotes collected from the automated teller machine.
In the deposit process of depositing money into the customer's account, the banknotes to be deposited are stored in the storage feeding unit, and in the deposit process of depositing the banknotes of the storage cassette , the banknotes are stored in the collection cassette. Money processing system. The change machine pays out the banknotes stored in the change machine and stores them in the storage cassette.
When the storage cassette removed from the change machine is attached to the automatic teller machine and the deposit process is started, the automatic teller machine dispenses banknotes from the storage cassette and stores them in the collection cassette. The monetary processing system according to claim 1, further comprising performing a process of depositing the amount of stored banknotes into the store's account. The automatic teller machine pays out the banknotes stored in the storage feeding unit and stores them in the storage cassette, and also executes a process of withdrawing the amount of the stored banknotes from the account of the store.
The change machine according to claim 1 or 2 , wherein the change machine is removed from the automatic teller machine, and bills are taken out from the storage cassette mounted on the change machine and stored in the change machine. Money processing system. The money processing system according to claim 3 , wherein the change machine stores the banknotes drawn out from the storage cassette in a storage unit for storing banknotes to be used as change. The storage cassette has a storage medium capable of reading and writing data.
The change machine has a reader / writer that reads and writes data on the storage medium.
The automated teller machine has a reader / writer that reads and writes data on the storage medium.
The change machine and the automatic teller machine write data related to the stored banknotes in the storage medium when the banknotes are stored in the storage cassette, and when the storage cassette is attached, the storage medium. The monetary processing system according to any one of claims 1 to 4 , wherein the data is read from. When the process of storing the banknotes constituting the sales proceeds of the store in the storage cassette is executed by the change machine,
The change machine writes data related to the sales amount to the storage medium,
The automated teller machine in which the storage cassette is removed from the change dispenser is mounted, from said storage medium to read data relating to the sales proceeds, deposit processing to be stored in the collection cassette feeding banknotes from the storage cassette automatically money handling system according to claim 5, starting with that, and executes the processing for deposit amount storage banknotes as sales proceeds to the account of the shop. When the process of storing the banknotes constituting the change reserve to be replenished in the change machine in the storage cassette is executed by the automatic teller machine,
The automatic teller machine executes a process of withdrawing the amount of banknotes stored in the storage cassette from the account of the store, and writes data related to the change reserve to the storage medium.
The change machine equipped with the storage cassette removed from the automatic teller machine automatically reads data related to the change reserve from the storage medium, draws out banknotes from the storage cassette, and stores them in the machine. money handling system according to claim 5 or 6, characterized in that starting basis. The change machine writes data related to the change reserve to be replenished to the change machine in the storage medium, and then writes the data.
The automatic teller machine equipped with the storage cassette removed from the change machine reads data related to the change reserve from the storage medium, and pays out banknotes constituting the change reserve from the storage delivery unit. Automatically starts the withdrawal process to be stored in the storage cassette.
The money processing system according to any one of claims 5 to 7. Using the automated teller machine as the first automated teller machine, a second automated teller machine capable of allowing customers to deposit and withdraw money from the account at the store.
With more
If the second automated teller machine cannot execute deposit or withdrawal, the data relating to the deposit or withdrawal is transmitted to the first automated teller machine, and the first automated teller machine is the said. Make deposits or withdrawals on behalf of a second automated teller machine
The money processing system according to any one of claims 1 to 8.

Images