JPH07334725A - Method, device, and system for cash operation, transaction processor, and cash storage box - Google Patents

Abstract

PURPOSE:To efficiently take charge of proceeds and improve the operation efficiency of funds by receiving and keeping the cash of the proceeds at a store and using the kept cash as funds for cashing transactions through transaction operation by customers. CONSTITUTION:At a small store, for example, a store counter across which a customer and a store clerk face each other, is equipped with an ECR 102 installed on a counter 101 and a small-sized cashing device 103 arranged between counters. Then the store clerk performs the adjustment process for a commodities that the customer purchases by using the ECR 102 and moves a certain amount of money gathered as sales on the ECR 102, e.g. large-amount bills such as 10,000-yen bills to a cashing device 103 to perform money reception management. Consequently, the proceeds at the store can be used as the cashing preparatory funds for customers as they are, so the funds in the store can efficiently be used and, specially, on a cashing device, a deficiency in funds can be eliminated accompanying the effective utilization of the sales.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to cash such as a plurality of electronic cash registers (ECR), automatic teller machines (ATM) and automatic payers (CD) installed in large stores and small stores. The present invention relates to a cash management method of a transaction machine that deals with transactions, and more particularly to a cash management method, a cash management apparatus, a cash management system, a transaction processing apparatus, and a cash storage box for efficiently managing and managing cash of various trading machines.

[0002]

2. Description of the Related Art Generally, sales proceeds from a store or the like are carried to a financial institution and deposited, or collected by a staff member dispatched from the financial institution. In this case, since the depositing / collecting operation requires manpower, it is troublesome and wasteful work is likely to occur.

When an ATM or a CD is provided in a store such as a large-scale store, a clerk of a financial institution visits the store at the start of business / end of business to perform clerk processing such as cash replenishment / collection. There is.

However, in this case, in operating ATMs and CDs, sufficient funds for operation preparation are required in consideration of running out of cash, which results in low utilization efficiency of operation funds and increase in sales at stores. Therefore, on the contrary, the operation of depositing the sales money is required, and further, the work of transporting cash by hand is required, and the safety for cash management is low.

If the ATM or CD in the store is used as a cashing device so that the customer can use the cashing (withdrawing cash from a deposit account or automatically borrowing) at the store, the serviceability to the customer will be improved. Can be further improved.

However, when an ATM or a CD is used as a cashing device, a new cashing operation fund and a cashing processing function are required, which invites an increase in the size of the device and an increase in cost. Had a problem that was difficult to apply to.

Further, the use of caching using ECR is provided (see Japanese Patent Laid-Open No. 59-160261).
However, in this case, there is a problem that the staff load is large and the caching process takes time and labor.

[0008]

Therefore, the present invention efficiently stores the sales proceeds in the store and uses the sales proceeds as cashing transaction funds that can be used by the customers to improve the operation efficiency of the funds. Another object of the present invention is to provide a cash management method, a cash management device, a cash management system, a transaction processing device, and a cash storage box.

[0009]

The invention according to claim 1 is
A method of operating cash used in a store, characterized by receiving cash sold in the store, storing the received cash, and using the stored cash as cash for a cashing transaction based on a transaction operation by a customer. .

The invention according to claim 2 is a cash management apparatus used in a store, the receiving means for receiving the cash sold in the store, the storing means for storing the cash received by the receiving means, and the storing means. And a discharging unit that discharges the cash stored in 1. at the time of a cashing transaction.

The present invention according to claim 3 is a cash management system used in a store, wherein a sales account recording device for recording sales proceeds sold in the store and cash collected by the sales account recording device for cashing funds. And a cashing apparatus for applying cash stored in the storage apparatus to cashing cash to carry out a cashing transaction.

According to a fourth aspect of the present invention, there is provided a cash operating method or a cash operating apparatus including a depositing means for depositing and supplementing cash.

According to a fifth aspect of the present invention, there is provided a cash operating method or a cash operating apparatus provided with a dispensing means for taking out stored cash.

According to a sixth aspect of the present invention, there is provided a cash management method or a cash management apparatus provided with a dispensing means for dispensing the stored cash exclusively for the customer.

The invention according to claim 7 is the cash operating method or the cash operating apparatus, which is equipped with a dispensing means for dispensing the stored cash exclusively for the staff.

The invention according to claim 8 is the cash operating method or the cash operating apparatus, which is equipped with a totaling management means for totalizing and managing the stored amount of stored cash.

According to a ninth aspect of the present invention, there is provided a cash management apparatus having a deposit port or a dispense port on a front surface side and a rear surface side of the apparatus body.

According to a tenth aspect of the present invention, there is provided a cash management apparatus having a deposit / withdrawal port for depositing / dispensing cash.

The invention according to claim 11 is a cash operation system comprising a settlement device for settlement of transaction data for a cashing transaction.

According to the twelfth aspect of the present invention, when cash is transferred from one transaction processing apparatus to the other transaction processing apparatus, a cash operating method provided with a transfer means for transferring both the amount data and the belonging data at the time of the cash transfer. Is characterized in that.

[0021] The thirteenth aspect of the present invention is characterized by comprising a transfer means for storing and transferring cash in a cash storage box which allows cash to be taken in and out.

According to a fourteenth aspect of the present invention, there is provided a transfer means for guiding and transferring cash to a cash transfer path connecting transaction processing apparatuses.

The invention according to claim 15 is the transaction processing apparatus applied to the cash management method.

The invention according to claim 16 is characterized in that it is a cash storage box applied to the cash transfer of the cash management method.

[0025]

According to the present invention, when operating cash used in a store, the cash sold in the store is received and stored, and the stored cash is used as cashing transaction fund used by customers for withdrawal. Further, when operating cash used in the store, the cash sold in the store is received by the receiving means and then stored by the storing means, and the stored cash is released from the releasing means during the cashing transaction.

Further, when operating the cash used in the store, after the sales amount sold in the store is recorded by the sales amount accounting device, the sales amount is stored in the storage device as cashing funds, and the stored cash is stored. Used for cashing equipment to carry out cashing transactions. In addition, when replenishing cash for cash, cash is replenished by replenishment means. Similarly, when the stored cash is taken out, the stored cash is taken out by a dispensing means.

Further, when the customer carries out the cash dispensing operation, the stored cash is dispensed exclusively to the customer by the dispensing means. Similarly, when the clerk operates the cash withdrawal, the stored cash is withdrawn by the clerk only by the withdrawal means. Further, in the operation management of the stored cash, the storage amount of the stored cash is totalized and managed by the totalizing management means.

Furthermore, when handling cash for depositing and withdrawing money, a depositing or dispensing port is provided on the front side and the rear side of the apparatus main body, and the depositing and withdrawing operation is performed from the front-rear direction. Similarly, at the time of handling cash deposit / withdrawal, cash is deposited / dispensed through a deposit / withdrawal port for depositing / dispensing cash. Further, in the cashing transaction, the transaction data of the cashing transaction is settled by the settlement device and the cash is processed.

Furthermore, when cash is transferred from one transaction processing apparatus to the other transaction processing apparatus, the transfer means transfers the amount data and belonging data together with the cash during the cash transfer. Further, when cash is transferred from one transaction processing device to the other transaction processing device, the transfer means stores and transfers the cash in a cash storage box which allows cash to be transferred in and out during the cash transfer.

Further, when cash is transferred from one transaction processing apparatus to the other transaction processing apparatus, the transfer means guides and transfers the cash to a cash transport path connecting the transaction processing apparatuses during the cash transfer. Further, the present invention is applied to various transaction processing devices to transfer cash, or between various transaction processing devices to transfer cash using a cash storage box.

[0031]

As a result, the sales proceeds of the store can be switched to the cashing preparation funds for the customers as they are, so that the funds in the store can be efficiently used, and particularly the cashing device can effectively utilize the sales proceeds. As a result, the lack of funds can be resolved, so that it can be applied not only to large stores but also to small stores with small funding. Further, for example, by applying a CD to a cashing device, a receipt management function of receiving and storing the sales proceeds of the store, and a withdrawal management function of switching the receipts managed by the receipts to cashing transaction funds used by customers for use. The cash deposit / withdrawal management function can be achieved with a simple cash circulation structure, and the size and cost of the cashing device can be reduced. Further, since the sales money can be immediately received and managed, the crime prevention at the store is improved, and the clerk's workability is improved because the sales money receipt management operation is easy.

Furthermore, if the cashing cash becomes small, the cashing device can be replenished according to the cashing amount, and conversely, if the cashing cash becomes large, the surplus money can be taken out and stored. Further, the cashing device can be operated unattended so that the customer can directly perform the cashing operation, or can be operated by a dedicated staff member. Further, since the storage amount stored in the cashing device is allowed to be aggregated and managed, the accurate storage amount can always be confirmed by this aggregation operation.

Furthermore, when the cashing device is provided with a depositing port and a dispensing port on the front side and the rear side, the cashing device can be sandwiched between the clerk side and the customer side for face-to-face use. Will be easier. Further, when the deposit / withdrawal port is provided on one side, this deposit / withdrawal port can be set on the operating side so that the deposit / withdrawal port can be installed without obstruction to an obstacle or a wall surface.

Further, during the cashing transaction, the cashing transaction data can be settled by deducting the transaction withdrawal amount from the customer's deposit account or automatically borrowing, so that the cashing transaction is confirmed by executing the agency business of the financial institution at the store. can do.

Further, since the cash is allowed to be transferred between the transaction processing apparatuses and the cash amount data and the belonging data are transferred together, the transferred cash can be clearly managed and transferred.

Therefore, a plurality of ECRs installed in the store
If you set up for cash transfer between the ATM and CD installed in the same store, the sales collected in ECR are transferred to the ATM or CD as the deposit transaction amount and used for the sales collection operation as well. Then you can make a deposit transaction. Therefore, each ECR
Can automatically execute regular deposit transactions, efficiently use sales proceeds as supplementary money for ATMs and CDs, and can effectively use the sales proceeds in stores by converting them to operating funds of financial institutions. it can. Therefore, it is possible to enhance the integration of the retail product field of the store and the financial field of the financial institution with each other, and to smoothly operate both the product transaction and the financial transaction.

If a cash storage box is used for cash transfer,
It is possible to easily transfer a large amount of cash to a desired transaction processing device by attaching / detaching this cash storage box. Furthermore, when the transaction processing apparatuses are connected by a cash transport path, cash can be automatically transferred and processed, and the deposit operation can be performed completely automatically. Further, it is possible to save the labor of depositing / collecting work, and to secure the safety for cash management by omitting the manual carrying of cash.

ECR, ATM, CD which handles cash
It can be applied to various transaction processing devices such as vending machines and goods, and can easily transfer cash between them using a cash storage box. It can be used by adjusting the settings to obtain the optimal operating amount.

[0039]

Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 10 shows an example of cash operation in a store counter in which a customer and a staff member face each other across a counter 101 in a small store. An ECR 102 installed on the counter 101 and a small cashing device 103 arranged between the counters are shown. In this configuration, the ECR 102 uses the ECR 102 to settle the products purchased by the customer, and transfers a fixed amount of the sales proceeds from the ECR 102, for example, a high-value bill such as a 10,000-yen bill to the cashing device 103. I try to manage the payment.

The cashing device 103 allows the customer to withdraw cash from a deposit account, and to allow cashing transactions by clients who automatically borrow money such as lending / financing from financial institutions such as banks and card companies. As the operating funds of the transaction, the sales money received from the ECR 102 is deposited and stored, and the stored sales money is used as the operating money of the cashing transaction to effectively use the funds.

FIG. 11 shows the caching device 103,
The cashing device 103 has a deposit / withdrawal port 105 on the front side of the device body 104 and has a deposit / withdrawal port 106 on the rear side to allow bills 107 to be deposited / dispensed and stored.

In this case, the banknote stacking section 108, the conveyance state detecting section 109, the banknote payout section 110, and the banknote stacking section 111 are provided inwardly in communication with the deposit / withdrawal port 105 on the front side.
And a banknote collecting unit 112, which are connected to each other via a transport line L, and the inside of which communicates with the deposit port 106 on the rear surface side is the transport state detecting unit described above via the transport line L. It is connected to the front stage of 109 to allow deposit from the front side and the rear side.

The banknote stacking unit 108 has a deposit / withdrawal port 105.
The banknotes, which are arranged immediately before the banknotes and are dispensed from the inside when the banknotes are dispensed, are stacked and accumulated one by one here, and are collectively discharged when the prescribed number of dispensed money is reached. Transport state detector 1
Reference numeral 09 detects the length of bills, skew (tilt), and stacking bills that are conveyed when depositing and withdrawing bills.

The banknote pay-out unit 110 performs a pay-out operation of the banknotes stacked in the banknote stacking unit 111 one by one at the time of dispensing, and collects a banknote unsuitable for conveyance at the time of dispensing to the banknote collecting unit 112. Further, the banknote stacking unit 111 collects the banknotes deposited one by one at the time of depositing and performs a stacking operation, and if there is a banknote unsuitable to be transported at the time of depositing, returns it. In the figure, 113 is a deposit / withdrawal cradle, 114 is a deposit / withdrawal cradle, 115 is a human detection sensor, S ... is a bill detection sensor, 116 is a pressing plate, M ... is each motor, and F is a distribution plate.

As described above, by providing the depositing / dispensing port 105 and the depositing port 106 on the front and rear surfaces of the cashing device 103, the staff member and the customer side can face each other across the cashing device 103, and the staff member You can deposit money from any direction that is easy to operate, and it is also suitable for consultation with cashing customers. Further, when the cashing device 103 is installed, if there is an obstacle or a wall surface, the deposit / withdrawal port 10 on the front side is installed.
If 5 is set on the operating side, it can be installed and used on obstacles and walls without hindrance.

Further, by transferring the sales proceeds sold by the ECR 102 to the cashing device 103 and managing the receipt of money, the ECR 102 does not collect a large amount of sales, and thus the high sales can be efficiently managed for crime prevention.

FIG. 12 shows a block diagram of a control circuit of the caching device 103. The CPU 121 controls each circuit device according to a program stored in the ROM 122, and stores the control data in the RAM 123 so that it can be read.

The CPU 121 described above, via the interface 124, the display processing unit 125, the form processing unit 126,
Card processing unit 127, banknote processing unit 128, communication processing unit 1
29, of which the display processing unit 125 is a display (CRT) also serving as a touch panel mounted on the upper surface of the cashing device 103, and provides various transaction guidance such as deposit / withdrawal transactions.
Display and guide the operation procedure. The form processing unit 126 prints the transaction result at the time of the cashing transaction on a slip and issues it.

Further, the card processing unit 127 reads transaction data of cards such as credit cards and cash cards and writes updated data. Banknote processing unit 128
Receives the inserted banknotes inside the apparatus main body 104 and accepts them, and ejects the banknotes from the deposit / withdrawal port 105 at the time of withdrawal and withdrawal / withdrawal.

The communication processing unit 129 sends the edited deposit / withdrawal request message, transaction setting request message, bookkeeping request message, balance inquiry request message, etc. to the store store controller and the center, and the returned deposit / withdrawal reply and transaction setting. It receives and processes data, unregistered data, current transaction amount and its balance inquiry data, past balance inquiry data, and the like.

FIG. 13 shows a management system of the cashing apparatus 103. The total amount of money stored in the cashing apparatus 103 is controlled and managed by the CPU 121 of the cashing apparatus and the store store controller 131, and the deposit / withdrawal information of the cashing apparatus 103 at this time. Provides information on personal balance inquiries such as customer cashing inquiries and card / loan inquiries, credit inquiries at the time of loans such as cashing / card / loans / short term, and scrutiny data information such as sales proceeds. It communicates with the center 132 in cooperation with the store controller 131.

The cashing device 103 and the store controller 131 of the store are the advanced information communication system (INS) and the digital data exchange network (DDX).
P) is used for communication connection with the center 132 of the head office, and the center 132 uses the cashing transaction destination credit card companies 133.
... is connected to ... via a credit network (CAFIS), and customer inquiry confirmation information is transmitted for each cashing transaction to collate and confirm.

The caching device 1 configured as described above
The processing operation when the customer makes a cashing transaction using 03 will be described with reference to the display guide example of FIG. If the customer now makes a cashing transaction, the cashing device 103
Displays on the CRT display screen a card usage guide for collating the person and a password input guide (step n11).
~ N12), the card is used according to this, and when the personal identification number is input, the CPU 121 displays and guides each transaction item of cashing / card loan / caching inquiry / loan inquiry (step n13).

At this time, for example, when the customer inputs and specifies cashing, the cashing transaction limit amount that the customer can withdraw is displayed and guided based on this (step n14), and the desired amount within the customer's transaction limit is input accordingly. When done,
Next, the CPU 121 makes a lump sum payment / revolving payment / short term payment /
Display the repayment method of installment payment (step n15), and if the customer selects and specifies the installment payment, for example, displays the repayment frequency of the installment, and if the customer inputs and specifies the repayment count accordingly (step n16), specifies the withdrawal payment. The cashing transaction amount and the voucher are released, and the cashing transaction of the customer is completed in the store (steps n17 to n18).

In this way, since the business of the financial institution is performed on behalf of the customer, the customer can certainly purchase the product.
At this time, the deposit amount that is automatically deducted from the deposit account based on the content of the cashing transaction or automatically borrowed, the fixed data is settled according to the type of cashing transaction, and the fluctuated storage amount due to the cashing transaction is CPU each time
The total is managed at 121. Further, when the cashing device 103 is operated, if the deposit amount increases and the storage limit of the banknotes occurs, the banknotes may be stored in another safe.

Next, the storage processing operation performed by the staff using the caching device 103 will be described with reference to the display guide example of FIG. Now, the staff member is the cashing device 103.
When the clerk key is operated to operate and use the cashing device 103, the display screen of the cashing device 103 is guided to display a selection item for totaling / payment (step n21), and when the clerk inputs and designates the payment item, for example, it is subsequently displayed. On the screen, the deposit items for replenishing cashing funds and ECR1
When the customer selects and designates the deposit money item, the deposit money item for which the sales money of 02 is deposited and the operation type of the deposit item for which the deposit money is dispensed are allowed and displayed (step n22). , Input and guide the secret code of the clerk who operates the storage (step n23), and when the clerk inputs the secret code in accordance with this, the storage screen of the sales proceeds is displayed and guided on the display screen (step n24). The clerk inputs the amount of money to be stored, and then inserts the banknotes corresponding to the specified storage amount one by one and deposits the designated number of banknotes, whereby the clerk's storage operation ends (step n25).

Next, referring to the display guide example of FIG. 16, an explanation will be given of the totalization processing operation in which the clerk totalizes and manages the stored money by using the cashing device 103. Now, when the clerk operates the clerk key in order to obtain the aggregated data of the cashing device 103, the display screen of the cashing device 103 guides the user to select the item for totaling / depositing money (step n31), and the clerk accordingly displays the totaling item. If you specify the input, then the CPU12
1 shows the display screen by allowing the total management type of the subtotal item, the total item, and the confirmation item to be selected (step n3
2) When the customer selects, for example, the total item and operates the enter key (step n33), the CPU 121 counts the total amount of money stored and prints the counted value,
During this period, the standby screen during the aggregation process is displayed and guided (step n
34) After this totaling process is executed, the total amount of the totalized total is displayed and displayed, and a slip in which the total amount is printed is issued and the totalizing process ends (step n35).

FIG. 17 shows a cashing device 171 according to another embodiment of the present invention. This cashing device 171 is provided with a dispensing port 173 dedicated to discharging on the front surface of a device main body 172 and a depositing port 174 dedicated to depositing money on the rear surface. In this case, a staff member performs a depositing process of the stored money or a supplementing process of the cash for cash from the deposit port 174 on the rear surface, and discharges the cashed banknotes to the dispensing port 173 on the front face to perform the dispensing process. In this way, the device main body 172 can be used face-to-face by providing the dedicated withdrawal port 173 and the dedicated withdrawal port 174 on the front and rear faces.

As described above, since the sales proceeds of the store can be switched to the cash-preparing funds for the customer as they are, the funds in the store can be efficiently used, and particularly in the cashing device, the sales proceeds can be effectively used. As a result, the lack of funds can be resolved, so that it can be applied not only to large stores but also to small stores with small funding.

Further, by applying a CD for exclusive use of withdrawal to a cashing device, the withdrawal management for managing the sales amount of the store and the withdrawal management by switching the amount of sales with the received amount management to the withdrawal used by the customer. The cash deposit / withdrawal management structure can be achieved with a simple bill circulation structure, and the cashing device can be downsized and the cost can be reduced. Further, since the sales money can be immediately received and managed, the crime prevention at the store is improved, and the clerk's workability is improved because the sales money receipt management operation is easy.

Furthermore, if the cashing cash becomes small, the cashing device can be replenished according to the cashing cash amount, and conversely, if the cashing cash becomes large, the surplus money can be taken out and stored. Further, the cashing device can be operated unattended so that the customer can directly perform the cashing operation, or can be operated by a dedicated staff member. Further, since the storage amount stored in the cashing device is allowed to be aggregated and managed, the accurate storage amount can always be confirmed by this aggregation operation.

Further, when a cash inlet and a cash outlet are provided on the front side and the rear side of the cashing device, the cashier can be sandwiched between the staff side and the customer side for face-to-face use, and the cashing user can provide consultation. Is easier and convenience is improved. Further, when the deposit / withdrawal port is provided on one side, this deposit / withdrawal port can be set on the operating side so that the deposit / withdrawal port can be installed without obstruction to an obstacle or a wall surface.

Further, during the cashing transaction, the cashing transaction data can be settled such as withdrawing the withdrawal amount from the customer's deposit account or automatically borrowing, so the cashing transaction is confirmed by executing the agency business of the financial institution at the store. can do.

FIG. 1 shows an example of cash operation in which cash is operated in a large store. ECR11 and ATM installed in the same store.
A common type cartridge 13 is used to transfer cash between 12 and 12.

FIG. 2 shows the ECR 11 described above.
The R11 is used by being installed in large numbers in a settlement area of a large store, and is configured by vertically stacking an ECR main body 14 and a cartridge storage unit 15. EC on top
The R main body 14 is equipped with a key input operation unit 16, a mode changeover switch 17, an operator settlement display 18, a customer settlement display 19, a receipt issuing unit 20, and a card processing unit 21 on the upper surface, and the front of the main unit 14 has a floppy disk. Disk processing unit 2
2. A cash box 23 is provided, and a cartridge 13 for storing only 10,000-yen bills is detachably mounted inside the cartridge storage unit 15 at the bottom.

In this ECT 11, the operator sequentially inputs the settlement contents into the key input operation unit 16 at the time of settlement to register money, and switches to a desired input mode by the mode changeover switch 17, and the input result at the time of settlement is the operator. Display the information on the settlement display 18 and the customer settlement display 19, issue a receipt with the settlement result printed from the receipt issuing unit 20, and further process the settlement data when the card is used by the card processing unit 21. The contents of the above can be stored and managed in the external floppy disk by the floppy disk processing unit 22.

When an operator uses the ECR 11 to register money, out of the sales proceeds paid by the operator, coins and banknotes of less than 5,000 yen that can be reused for payment later are stored in the cash box 23. The 10,000-yen bill received from the customer is then stored in the cartridge 13 because it is not reused for settlement. The cartridge 13 is stored in the cartridge 13 through a 10,000-yen bill storage passage communicating with the inside of the cash box 23, for example.

Alternatively, the cartridge 13 can be installed externally, for example, in parallel with the ECR main body 14 so that the operator can directly store the 10,000-yen bill in the cartridge 13.

FIG. 3 shows a block diagram of the control circuit of the ECR 11. The CPU 31 has a cartridge 13, a key input operation section 16, a mode changeover switch 17, an operator settlement display 18, a customer settlement display 19 which are connected via an interface 32. , Receipt issuing unit 20, card processing unit 2
1. Each circuit device of the floppy disk processing unit 22 and the communication processing unit 33 is controlled in accordance with a program stored in the ROM 34, and the control data is stored in the RAM 35 so as to be readable.

Further, the CPU 31 communicates with the ATM 12, the cartridge 13 and the host computer through the communication processing unit 33, and counts and manages every ten thousand yen bills stored in the cartridge 13, and further, the ten thousand yen bills. The stored cartridge 13 is removed from the ECR 11 and the ATM 12
Even when it is mounted on and used in, the money amount data and the belonging data are transmitted to the cartridge 13 and the host computer through the communication processing unit 33 to manage communication.

FIG. 4 shows a cartridge 13. This cartridge 13 is commonly used in the ECR 11 and the ATM 12, and is used in a detachable manner. The cartridge 13 has a 10,000-yen bill storage section 42 for storing 10,000-yen bills 41 ... It has a bill withdrawal mechanism 43. This bill withdrawal mechanism 43 is used for ECR11 and ATM12.
When the cartridge 13 is detached, it is carried in a closed state and is closed so that only a specific person can open it.

FIG. 5 shows a block diagram of the control circuit of the cartridge 13. The CPU 51 has a bill input / output mechanism 43, a stored number counting section 53, which are connected via an interface 52.
Each circuit device of the communication processing unit 54 is controlled in accordance with a program stored in the ROM 55, and its control data is stored in the RAM.
At 56, it is stored so that it can be read.

The CPU 51 drives and controls the bill inserting / withdrawing mechanism 43 in accordance with the inserting / withdrawing operation of the ten-thousand-yen bill 41, counts the number of inserted / withdrawn bills at that time by the stored number counting section 53, and stores and manages the current stored number. At the same time, the processed data is communicated to the ECR 11 and the ATM 12 via the communication processing unit 54.

FIG. 6 shows the ATM 12, and the ATM 12
Is provided with a transaction indicator 62, a passbook insertion / ejection port 63, a card insertion / emission port 64, a coin inlet / outlet 65, a banknote inlet / outlet 66, a CRT 67, and a cartridge insertion port 68 on the upper front surface of the apparatus body 61. It has transaction functions such as deposit, withdrawal, transfer, loan, passbook entry, balance inquiry, and cartridge deposit function.

FIG. 7 shows a block diagram of the control circuit of the ATM 12. The CPU 71 controls each circuit device according to a program stored in the ROM 72, and the control data is stored in the RAM.
At 73, it is stored so that it can be read.

The above CPU 71 is the interface 7
The display processing unit 75, the form processing unit 76, the card processing unit 77, the coin processing unit 78, the banknote processing unit 79, and the communication processing unit 80 are connected via 4, and the display processing unit 75 uses the transaction display 62 for transaction. The CRT 67, which also functions as a touch panel for displaying the middle / transaction cancellation, etc., and for displaying the transaction operation to the customer, displays various transaction information such as deposit / withdrawal transactions and the operation procedure.

The form processing unit 76 reads the transaction data of the passbook inserted from the passbook insertion / ejecting port 63, writes the update data, and records the transaction data and unregistered data in the passbook print field. Do When the transaction is completed and the withdrawal / withdrawal is canceled, the passbook is returned from the passbook insertion / ejection port 15.

Further, the card processing section 77 reads transaction data of the card inserted from the card insertion / ejecting port 64,
Update data is written and released at the end of transaction and withdrawal / withdrawal.

The coin processing unit 78 takes in the coins inserted into the coin inlet / outlet 65 into the inside of the main body 61 and accepts them, and at the time of withdrawal and withdrawal of deposits / withdrawals, the coin inlet / outlet 6
Release from 5

The banknote processing unit 79 takes in the banknotes inserted into the banknote inlet / outlet 66 into the apparatus main body 61 and accepts the banknotes, and at the time of withdrawal and withdrawal of deposit / withdrawal, the banknote inlet / outlet 6
Release from 6. Further, the cartridge insertion port 68 is also provided with a deposit structure exclusively for 10,000-yen bills. The cartridge 13 is inserted into the cartridge insertion port 68 to deposit the 10,000-yen bills stored in the cartridge 13. Can be made.

The communication processing unit 80 transmits the edited deposit / withdrawal request message, transaction setting request message, bookkeeping request message, balance inquiry request message, etc. to the host computer 81, and the deposit / withdrawal reply sent from the host computer 81. It receives and processes transaction setting data, unregistered data, current transaction and its balance inquiry data, past balance inquiry data, and the like.

ECR11 and ATM constructed as described above
An example of cash operation in a large store using the cartridge 12 and the cartridge 13 will be described with reference to the flowchart of FIG.
The ECR 11 is input and operated by the operator for each customer's product settlement, and when the customer pays less than 5,000 yen, the payment is stored in the cash box 23. When the 10,000-yen bill is used, it is stored in the cartridge 13 (steps n1 to n2).

Each time this 10,000-yen bill is stored, ECR11
The CPU 31 of and the CPU 51 of the cartridge 13 are
The number of stored 10,000 yen bills is counted and managed (step n3).

After that, when a large number of 10,000-yen bills are stored and the number of bills exceeds a predetermined number, or when the storage limit is reached, an in-store staff member or an operator stores the cartridge 13
Is removed from the ECR 11 and the deposit operation to the ATM 12 is started. At this time, the cartridge records and confirms cartridge operation information such as ECR number, account number, deposit amount, date and time, and operator identification code (step n4), and carries the removed cartridge 13 to the ATM 12 in the same store. The cartridge 13 is inserted into the cartridge insertion port 68 and attached, and a 10,000-yen bill is deposited from the attached cartridge 13 (step n5).

At this time, the CPU 71 of the ATM 12 reads and confirms the record data of the cartridge 13 and executes the deposit process corresponding to the designated account number. When this depositing process is completed, the cartridge 1 that has completed the depositing process is data-communicated to the original ECR 11 that the depositing process has been completed.
3 is removed and the deposit processing from the ECR 11 is completed (steps n6 to n8).

On the other hand, the original ECR 11 receives the data for which payment has been completed and records and manages the data for which payment has been completed (step n9).

In this way, ECR11 and AT in the same store
When the transfer between the M12 and the M12 is set to transfer the 10,000-yen bill through the cartridge 13, the sales accumulated in the ECR11 are transferred as they are to the ATM12 to be used as the payment transaction amount, and the payment transaction is also used for the payment transaction. be able to. In particular,
The sales amount in the store can be converted to the operating funds of the financial institution and effectively utilized.

Further, by using the cartridge 13 for transferring cash, it is possible to easily attach and detach each cartridge and easily set it on the ECR 11 and the ATM 12.

FIG. 9 shows another embodiment of the present invention, which is an ECR 91 ten-yen bill stacker 9 installed in a large store.
2 and the 10,000-yen bill stacker 94 of the ATM 93 are directly connected by the 10,000-yen bill transport path 95 buried in the floor or wall surface, and EC
The 10,000-yen bills accumulated in R91 are transported to the 10,000-yen bill transport path 95 and A
The TM93 is configured to automatically make a deposit operation. In this case, the ECR 91 and the ATM 93 are communicated with each other through a signal line or a radio connected together with the multi-yen bill carrying path 95.

When the connection is made and the automatic transfer is carried out as described above, the 10,000-yen bill can be automatically transferred and the input operation of the deposit data is not required. Therefore, the deposit operation can be fully automated. In addition, the safety of cash management can be improved by omitting the manual operation of carrying 10,000-yen bills. In addition to ATM, it can be applied to various transaction processing devices such as CDs and article vending machines that handle cash.

As described above, since the 10,000 yen bill is allowed to be transferred from the ECR to the ATM and the money data and belonging data are also transferred together with the 10,000 yen bill, the 10,000 yen bill to be transferred is clearly managed. Can be processed. Therefore, in the case of a large store, regular deposit transactions can be automatically executed from each ECR and the sales proceeds
It can be effectively used as a supplement for CDs and CDs, and the sales in the store can be efficiently used by effectively converting it to operating funds of financial institutions. Further, it is possible to enhance the integration of the retail product field of the store and the financial field of the financial institution with each other, and to smoothly operate both the product transaction and the financial transaction.

Further, if a cartridge is used for transferring 10,000-yen bills, a large amount of 10,000-yen bills can be easily transferred to a desired ATM or ECR by detaching and attaching each cartridge, and further, the ATM and ECR can be easily transferred. When connected by the yen bill transfer route, 10,000 yen bills can be automatically transferred and fully automated for deposit operations. Further, in this case, it is possible to save the labor of depositing / collecting work, and to secure the safety for cash management by omitting the manual carrying of the 10,000-yen bill. In addition, it is possible to adjust the settings so that the optimal operating amount will be used according to the operating status of each ECR or ATM in the same store.

In correspondence with the present invention and the configuration of the above-described embodiment, the transaction processing apparatus of the present invention is an electronic cash register (ECR) 11, 91 and an automatic teller machine (ATM) 12 of the embodiment. , 93, and the like, the cash storage box corresponds to the cartridge 13, and the cash corresponds to the 10,000-yen bill 41.
And the banknote 107, the amount data corresponds to the deposit amount, the affiliation data corresponds to the ECR number, and the transfer means corresponds to each CPU 31, 51, 71 and each communication processing unit 33,
Corresponding to 54 and 80, the cash transport route is the 10,000-yen bill transport route 9
5 corresponds to the cash operation device, the cashing device 10
3, 171, the receiving means and the deposit means correspond to the deposit / withdrawal port 105 and the deposit ports 106, 174, the storage means and the storage device correspond to the banknote stacking section 111 of the cashing device, and the discharging means Corresponding to the banknote payout unit 110, the sales accounting device corresponds to the ECR 102, the withdrawal means corresponds to the deposit / withdrawal port 105 and the withdrawal port 173, the total management means corresponds to the CPU 121, and the settlement device is Although it corresponds to the center 132, the present invention is not limited to the configuration of the above-described embodiment.

[Brief description of drawings]

FIG. 1 is an explanatory view showing an example of cash operation of ECR and ATM in a large store according to the present invention.

FIG. 2 is an external perspective view of an ECR according to the present invention.

FIG. 3 is a block diagram of an ECR control circuit according to the present invention.

FIG. 4 is a perspective view showing the internal structure of the cartridge of the present invention.

FIG. 5 is a block diagram of a control circuit of the cartridge of the present invention.

FIG. 6 is an external perspective view of an ATM according to the present invention.

FIG. 7 is a block diagram of an ATM control circuit according to the present invention.

FIG. 8 is a flowchart showing a 10,000-yen bill operation operation in the cash operation example of the present invention.

FIG. 9 is an explanatory view showing a cash operation structure of another embodiment of the present invention.

FIG. 10 is an external perspective view showing an example of cash operation at the store counter of the present invention.

FIG. 11 is an internal configuration diagram of a caching device of the present invention.

FIG. 12 is a block diagram of a control circuit of the caching device of the present invention.

FIG. 13 is an explanatory diagram showing a management system of the caching device of the present invention.

FIG. 14 is an explanatory diagram showing an example of display guidance to customers during a cashing transaction according to the present invention.

FIG. 15 is an explanatory diagram showing an example of display guidance of storage processing operation by a staff member of the present invention.

FIG. 16 is an explanatory diagram showing an example of display guidance of a totalization operation by a staff member of the present invention.

FIG. 17 is an internal configuration diagram of a caching device according to another embodiment of the present invention.

[Explanation of symbols]

 11, 91, 102 ... ECR 12, 93 ... ATM 13 ... Cartridge 31, 51, 71, 121 ... CPU 33, 54, 80 ... Communication processing unit 35, 56, 73 ... RAM 41 ... 10,000 Yen bill 68 ... Cartridge insertion Mouth 92, 94 ... 10,000-yen bill stacker 95 ... Million-yen bill conveyance path 103, 171 ... Caching device 104, 172 ... Device body 105 ... Deposit / withdrawal port 106, 174 ... Deposit port 107 ... Paper money 110 ... Banknote payout unit 111 ... Banknote stacking unit 131 ... Store store controller 132 ... Center 133 ... Card company 173 ... Withdrawal port

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G06F 19/00 G07D 13/00 G07F 19/00 G07G 1/00 321 E G06F 15/30 L G07D 9 / 00 321 C (72) Inventor Nobuchika Ina 10 Ozoron Takudocho, Hanazono, Ukyo-ku, Kyoto, Kyoto Prefecture (72) Tatsuya Okubo 10 Ohana, Takudo-cho, Ukyo-ku, Kyoto, Kyoto Omron Co., Ltd.

Claims (16)

[Claims] [Claim 1] A method of operating cash used in a store, wherein cash sold at the store is received, the received cash is stored, and the stored cash is used for cashing transaction based on a transaction operation by a customer. Cash management method to operate as. 2. A cash management device used in a store, the receiving means receiving cash sold in the store,
A storage means for storing the cash received by the reception means,
A cash management apparatus comprising a discharging means for discharging the cash stored by the storing means during a cashing transaction. [Claim 3] A cash management system used in a store, comprising: a sales accounting device for recording sales proceeds of the store; and a cash storage device for storing cash recorded by the sales accounting device as cashing funds. A cash management system comprising a device and a cashing device for applying cash stored in the storage device to cashing cash for a cashing transaction. 4. A cash management method according to claim 1 or a cash management apparatus according to claim 2, further comprising a depositing means for depositing cash. 5. The cash management method according to claim 1, or the cash management apparatus according to claim 2, further comprising a withdrawal means for taking out the stored cash. 6. The cash management method or claim 2 according to claim 1, further comprising a withdrawal means for withdrawing the stored cash exclusively for the customer.
Cash operation device described. 7. The cash management method or claim 2 according to claim 1, further comprising: withdrawal means for withdrawing the stored cash exclusively for the staff member.
Cash operation device described. 8. The cash management method according to claim 1 or the cash management apparatus according to claim 2, further comprising a totalization management unit that totalizes and manages the stored amount of stored cash. 9. The cash management apparatus according to claim 2, wherein the front side and the rear side of the apparatus main body are provided with a deposit port or a dispense port. 10. The cash management apparatus according to claim 2, further comprising a deposit / withdrawal port for depositing / dispensing cash. 11. The cash management system according to claim 3, further comprising a settlement device that settles the transaction data of the cashing transaction. 12. A cash management method comprising a transfer means for transferring both amount data and belonging data when transferring cash from one transaction processing device to another transaction processing device. 13. The cash management method according to claim 12, wherein the transfer means stores the cash in a cash storage box which allows the cash to be taken in and out and transfers the cash. 14. The cash management method according to claim 12, wherein the transfer means guides and transfers cash to a cash transport path connecting transaction processing apparatuses. 15. A transaction processing apparatus applied to the cash management method according to claim 12 or 13. 16. A cash storage box applied to the cash transfer according to claim 12, 13 or 15.