JPS6394393A - Automatic teller machine - Google Patents

Abstract

(57) [Abstract] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] [Industrial Field of Application] The present invention relates to an automatic teller machine for automatic teller machines used in financial institutions such as banks, and particularly for reusing banknotes deposited by customers for withdrawal. The present invention relates to a circulation-type automatic teller machine that turns available banknotes into banknotes for withdrawal.

[Conventional technology]

In automatic teller machines used in financial institutions such as banks, especially in automatic teller machines, when depositing transactions, the banknotes inserted for deposit are generally separated and fed one by one, and the banknotes are separated and fed out one by one. After performing the discrimination, the automated teller machine displays the amount recognized by the machine and prompts the customer to confirm that there is no difference between the amount recognized by the machine and the amount recognized when the customer inserts it. It now asks for confirmation.

In other words, a process is provided for establishing a correct transaction by the customer's indication of intention, such as by pressing a confirmation button.

While this judgment is being made, a temporary storage section is installed to temporarily store the inserted banknotes, and the banknotes already stored in the automatic teller machine are the bank's own. I try to keep things separate and avoid unnecessary conflicts with customers.

Here, a conventional automatic deposit/withdrawal transaction apparatus described in Japanese Patent Application Laid-Open No. 58-140890 will be explained with reference to FIG.

FIG. 2 is a side sectional view of a conventional example. In Figure 2, 1
2 is a bill input/receipt slot for customers to insert or receive banknotes; 2 is a deposited banknote separation/feeding unit that separates and feeds deposited banknotes one by one from the bill input/reception slot 1; 2a is a deposited bill separation/feeder; A suction drum for deposited banknotes is a component of the sending unit; 3 is a banknote discrimination unit that determines the authenticity of deposited banknotes, a damaged banknote, and a denomination of a withdrawn banknote; 4 is a banknote discrimination unit that determines the authenticity and denomination of a deposited banknote; Genuine bill bulk accumulation unit that temporarily accumulates withdrawn banknotes in bulk;
Reference numeral 5 denotes a counterfeit banknote bulk accumulation unit for temporarily collecting counterfeit banknotes of deposited banknotes, 6 a 1,000-note safe for storing 1,000-yen notes, and 6a separates and feeds the banknotes stored in the 1,000-yen note safe 6 one by one. suction drum,
Reference numeral 7 denotes a million-note safe for storing ten thousand-yen notes; 7a denotes a suction drum that separates and feeds the banknotes stored in the ten-thousand-note safe 7 one by one; 8 denotes an unfit note safe for storing deposited banknotes determined to be unfit; Reference numeral 9 denotes a reject safe for storing banknotes determined to be defective through denomination determination at the time of withdrawal, double-bill detection, etc., 10 a banknote high-speed running path where separated banknotes travel at high speed, and 10a a banknote high-speed running path where banknotes are collected in bulk. This is a low-speed banknote travel path for feeding banknotes.

Next, to explain the operation of the above-mentioned configuration, deposited banknotes that are collectively inserted into the banknote input/reception slot 1 by the customer are separated and fed one by one to the banknote discrimination unit 3 by the deposited banknote separation and feeding section 2.
Authenticity is determined by the banknote discrimination section 3. Bills determined to be counterfeit bills are transferred from the counterfeit bill bulk stacking unit 5 to the bill low-speed running path 10a.
The banknotes are returned to the customer through the banknote input slot 1. Further, the banknotes determined to be genuine are passed from the genuine banknote bulk stacking unit 4 to the counterfeit banknote bulk stacking unit 5, the low-speed banknote running path 10a, and the banknote input/receiving slot 1, and then transferred one by one to the deposited banknote separation/feeding unit 2. The banknotes are separated and fed to the bill validating section 3.

The banknotes separated and fed to the banknote discriminating unit 3 are judged as unfit or denominations by the banknote discriminating unit 3, and are stored in a thousand note safe 6, ten thousand note safe 7, and unfit note safe 8 according to their denominations. be done.

[Problem that the invention seeks to solve]

However, according to the conventional technology with the above-mentioned configuration, the device has many separation sections and collection sections, which makes the device larger and more expensive, and also leads to frequent banknote jams during operation.
There was a problem in that business operations were disrupted due to equipment failure.

Furthermore, since deposited banknotes are discriminated at the time of deposit transaction and circulated banknotes and non-circulated 7 yen banknotes are classified and stored, there is a limit to the reduction in actual transaction time.

Furthermore, each denomination handled has its own banknote storage section, each storing deposited banknotes or banknotes for withdrawal, so the staff handling the banknotes must take out each banknote storage section from the device and count them before and after work. There was a problem with the burden of doing so.

SUMMARY OF THE INVENTION In view of the above problems, it is an object of the present invention to provide an automatic teller machine that is small in size, inexpensive, and has a low incidence of banknote jamming, that is, has high reliability.

A further object of the present invention is to provide an automatic deposit/withdrawal machine that can shorten the actual transaction time.

A further object of the present invention is to provide an automatic teller machine that requires less operational burden on staff when counting banknotes before and after work.

[Means for solving problems]

The present invention provides a deposit transaction function in which the banknotes inserted by the customer into the banknote input/receiver slot are recognized by a discriminating means and then the banknotes are deposited, and a banknote deposit transaction function in which the stored banknotes are discharged according to the denomination and amount specified by the customer and the banknotes are withdrawn. In an automatic deposit/withdrawal machine that has a withdrawal transaction function for two or more denominations and a circulation function that circulates banknotes that can be reused for withdrawal out of the banknotes that have been established for deposit transactions as circulation banknotes for withdrawal, the circulating banknotes are Limited to one denomination, this is the first withdrawal denomination,
a non-circulation banknote storage unit that stores all banknotes of deposited banknotes other than the first withdrawal denomination and unfit bills; a reject banknote storage unit that stores abnormally run withdrawal banknotes; and the first withdrawal banknote storage unit a first dispensing bill storage section for storing dispensing banknotes of different denominations and for storing deposited banknotes in bulk without distinguishing between denominations and fitness; and a first dispensing bill storage section provided directly above the first dispensing banknote storage section. a deposited banknote bulk accumulation unit that temporarily stores the deposited banknotes in bulk and, upon obtaining transaction approval from the customer, drops and stores the temporarily stored banknotes in a batch into a first withdrawal banknote storage unit; It has at least one second dispensing bill storage section which stores dispensing bills of a denomination different from the gold denomination and which can be directly filled with bills from the outside while the device is mounted, and when making a deposit. , the banknotes for which the transaction has been completed, which are temporarily stored in the deposited banknote bulk accumulation unit, are stored in a batch in the first withdrawal banknote storage unit, and at the time of withdrawal, the banknotes are transferred to the first withdrawal banknote storage unit according to the denomination requested by the customer. The banknotes are dispensed from the second banknote storage unit for withdrawal, and the first banknotes are mixed with deposited banknotes whose denomination and fitness have not been determined during the withdrawal operation. Regarding the banknotes fed out from the storage unit, a discriminating unit sorts out banknotes for withdrawal of the first withdrawal denomination, and at the same time, sorts unfit banknotes, banknotes not to be circulated, and abnormally running banknotes, and then distributes the banknotes. It is characterized by a storage operation.

[For production]

With the above configuration, the present invention, when a customer inserts banknotes during a deposit transaction, identifies the banknotes, temporarily stores the banknotes identified as acceptable in the deposited banknote bulk accumulation section, and allows the customer to When the banknotes approve the acceptable amount, the stored banknotes are dropped and stored in the handle of the first dispensing banknote located directly below, with the denomination and fitness of the banknotes still pending.

During a withdrawal transaction, bills are dispensed from the first withdrawal bill storage section and the second withdrawal bill storage section according to the denomination requested by the customer, and during the withdrawal operation, the above-mentioned At the time of a deposit transaction, the banknotes dispensed from the first withdrawal banknote storage unit containing a mixture of deposited banknotes whose denomination and fitness have not been determined will be withdrawn in the first withdrawal denomination by the verification unit. At the same time as sorting banknotes, damaged notes, banknotes not subject to circulation, and abnormally running banknotes are sorted and sorted and stored, and the sorting of banknotes for which a deposit transaction has been completed, which was conventionally done at the time of deposit, is performed instead of storage and withdrawal. This can be done at the same time as banknote identification.

In addition, filling with bills for dispensing without circulation/function can be performed directly from outside while the device is mounted.

〔Example〕

Examples will be described below according to the drawings.

FIG. 1 is a side view showing the first embodiment of the present invention. In this embodiment, the deposit denominations are three denominations: 1,000 yen notes, 10,000 yen notes, and 5,000 yen notes, and the withdrawal There are two types of denominations: 1,000 yen notes and 10,000 yen notes, but the one type of denomination that can be handled by the device according to the present invention is not limited to these.

In addition, the present invention has a percentage feature in that the circulation denomination is limited to one denomination out of two or more withdrawal denominations, and in order to obtain a better effect, the circulating denomination;
In other words, it is necessary to set it as the first withdrawal type. In this example, where 1,000 yen notes and 10,000 yen notes are withdrawn, under the current transaction situation, the percentage of deposit transactions is 1,000 yen notes and No. 2 yen notes = 1.
:6~8, Since the ratio of withdrawal transactions is 1:2~3, set the 1,000 yen note as the first withdrawal type, and set the 1,000 yen note, which is not the circulating denomination, as the second withdrawal type. and explain it.

In the figure, reference numeral 11 denotes a banknote input/reception slot for inserting and receiving banknotes, 12 for banknotes, 13 for separating and feeding the banknotes 12 inserted into the banknote input/reception slot 11 one by one, and 1
Reference numeral 4 denotes a banknote discrimination unit that determines the authenticity, fitness, and denomination of the separated and fed banknotes 12; 15, a dispensing banknote bulk accumulation unit that temporarily stores banknotes to be withdrawn; and 16, the banknotes are separated one by one. This is a running path on which banknotes are run.

Reference numeral 17 denotes a bulk safe that is detachable from the device; p1 The bulk safe 17 stores banknotes deposited by customers in bulk, and also stores banknotes for withdrawal of the first withdrawal denomination (10,000 yen notes). A first withdrawal banknote storage unit 18, a banknote 12 that was dispensed from the first withdrawal banknote storage unit 18 at the time of withdrawal, but was determined by the banknote discrimination unit 14 to be a banknote of a denomination other than the first withdrawal denomination or a damaged note. It is equipped with a non-circulating banknote storage section 19 that stores banknotes 12 that are not subject to circulation, and a reject banknote storage section 20 that stores banknotes 12 that are determined to be running abnormally by the banknote discrimination section 14 at the time of withdrawal.

In the first withdrawal banknote storage section 18, there are banknotes for withdrawal of the first withdrawal denomination (10,000 yen notes) filled by the staff, and a banknote that can be circulated or not that is taken in at the time of deposit. Unclassified deposited banknotes that are not determined (1,000 yen notes, 5,000 yen notes, regardless of whether they are good or bad)
10,000 yen notes) are neatly stored all at once.

Reference numeral 21 denotes a deposited banknote bulk accumulation unit for temporarily storing deposited banknotes 12, and is provided so as to be located directly above the first withdrawal banknote storage unit 18 when the bulk safe 17 is set in the main body of the device. There is. Reference numeral 22 denotes a bottom plate of the deposited banknote bulk stacking section 21, and the bottom plate 22 is retractable in the direction of the arrow.

Reference numeral 23 denotes a banknote separation and feeding unit which serves both as the deposited banknote bulk stacking unit 21 and the first dispensing banknote storage unit 18 .

24 (/: is the second withdrawal banknote storage section that stores the second withdrawal denomination, and in this embodiment, thousand yen bills are stored. The second withdrawal denomination (thousand yen bills) ) are simply stored and withdrawn by the clerk, and there is no circulation function.In other words, even if the second withdrawal denomination (1,000 yen note) is mixed in with the deposited banknote, this device will not accept it. This will not be reused for withdrawals.

251d A shutter that can be opened and closed by an attendant; 26 is the second shutter;
This is a banknote separation and feeding unit that feeds out banknotes from the banknote storage unit 24 for withdrawal.

FIG. 2 is a perspective view showing the automatic teller machine 27 of this embodiment attached to the automatic teller machine 28, and FIG. 3 is a perspective view of the same essential parts. The shutter 25 of the gold banknote storage section 24 is provided so as to communicate with the outside of the device, so that filling of the second withdrawal banknote storage section 24 with banknotes for dispensing can be carried out from the automatic teller machine to the automatic teller machine 28. The device can be used while the device is attached to the device.

The deposit/withdrawal operation of this embodiment with the above configuration will be explained.

In a deposit transaction, the banknotes 12 inserted into the banknote input and receiving slot 11 by the customer are separated and fed one by one by the banknote separation and feeding section 13, and are conveyed to the banknote discrimination section 14 by the transport 1- by the running path 16. , distinguish between authenticity and denomination.

The banknotes 12 determined to be counterfeit by the banknote discrimination unit 14 are conveyed and stacked to the withdrawal banknote bulk accumulation unit 15, and then transferred to the deposit separation and feeding unit 1.
After the separation and feeding in step 3 is completed, the product is returned to the customer. The banknotes 12 determined to be genuine and of the deposited denomination (1,000 yen note, 5,000 yen note, 10,000 yen note) are conveyed and stacked to the deposited banknote bulk accumulation unit 21, and after confirmation by the customer, the bottom plate 22 is moved in the direction of the arrow. The deposited banknotes are evacuated, and unclassified deposited banknotes which are not determined to be circulated are dropped and stored in the first withdrawal banknote storage part 1B, and the deposit operation is completed.

Withdrawal operation> First, at the start of operation of the device, ten thousand yen notes of the first withdrawal denomination are placed in the first withdrawal banknote storage section 18, and thousand yen notes of the second withdrawal denomination are placed in the second withdrawal banknote. 2. Fill the bill storage section 24 for withdrawal.

The filling of banknotes into the second dispensing banknote storage section 24 by the staff is as follows:
This is done manually by opening the shutter 25 as shown in FIG.

The filling of banknotes into the first withdrawal banknote storage unit 18 by the staff is as follows:
The banknotes may be inserted into the banknote input/receiver slot 11 using the conveyance path 16, or the bulk safe 17 may be taken out from the device and filled manually.

First, in a withdrawal transaction, if the customer's requested denomination is the first withdrawal denomination, the banknotes 12 in the first withdrawal banknote storage section 18 are separated and fed by the banknote separation and feeding section 23. Identification part 1
Send to 4.

In the first withdrawal banknote storage section 18, there are denominations (
1,000 yen notes, 5,000 yen notes) and unfit notes are mixed in, so these should be identified and sorted at this point. That is, banknotes that are determined to be genuine and of the first withdrawal denomination (10,000 yen notes) by the banknote discrimination unit 14 are transported and stacked to the withdrawal banknote bulk stacking unit 15, and banknotes of other denominations (thousand yen notes) are , 5,000 yen notes) and unfit notes are transported and stored in the non-circulating banknote storage section 19. In addition, banknotes that are determined to be running abnormally such as double feeding or skew feeding are transported and stored in the reject banknote storage section 20 regardless of whether they are good or defective or the denomination.

By repeating the above operation, when the number of banknotes 12 requested by the customer is accumulated in the dispensing banknote bulk stacking section 15, the banknote input/receiving slot 11
pay this to the customer.

Next, in a withdrawal transaction, if the customer's requested denomination is the second withdrawal denomination, the banknotes 12 in the second withdrawal banknote storage section 24 are separated and fed by the banknote separation and feeding section 26, and the banknotes are discriminated. The banknotes 12, which are confirmed to be valid, are sent to the banknote 14 and the requested number of banknotes is paid to the customer in the same manner as the withdrawal operation of the first withdrawal type. Banknotes determined to be unfit or running abnormally are subject to the first
The withdrawal denominations are distributed in the same manner as in the operation, and are transported and stored in the non-circulation banknote storage section 19 and the rejected banknote storage section 20, respectively.

Furthermore, in a withdrawal transaction, the customer's requested denomination is the first and second denomination.
If the withdrawal denominations are mixed, the withdrawal operation for the first withdrawal denomination and the withdrawal operation for the second withdrawal denomination are repeated, and after the requested number of bills is accumulated in the withdrawal banknote bulk accumulation section 15. , and pay these to the customer through the banknote input/receipt slot 11.

As the above withdrawal operation is repeated, the second withdrawal denomination is not a circulating denomination, so it may be necessary to replenish it during the operation of the device. , as shown in FIG. 3, with the device mounted.

The above is the deposit/withdrawal operation of this embodiment.

During inspection at the end of business, the second withdrawal banknote storage section 2
The banknotes 12 stored in the banknotes 4 are separated into 1
Separate and feed the bills one by one, transport and store them in the non-circulating banknote storage section 19 or the first withdrawal banknote storage section 18,
By taking out the bulk safe 17 from the device main body, banknotes can be collected without leaving any cash in the device.

FIG. 4 is a side view showing a second embodiment of the present invention, which is a rear maintenance type in which the position of the second dispensing banknote storage section 24 is changed from the front maintenance type first embodiment. That is.

The deposit/withdrawal operations and numbers are the same as in the first embodiment.

[Effects of the Invention] As explained in detail above, according to the present invention, there is a circulating automatic deposit/withdrawal system that automatically deposits and withdraws money and distributes deposited banknotes that can be reused for withdrawal. At the machine, the circulation denomination is limited to one denomination, and this is the first withdrawal denomination, and the first withdrawal denomination is
A first withdrawal banknote storage unit that stores withdrawal banknotes of a withdrawal denomination and also stores deposited banknotes in bulk without distinction of denomination or fitness; A second withdrawal banknote storage section is provided to store the banknotes, and at the time of a deposit transaction, the banknotes for which the deposit transaction has been completed are stored in the first withdrawal banknote storage section in a batch without distinction of denomination or fitness, and the banknotes are stored in the first withdrawal banknote storage section to perform the withdrawal transaction. At the same time as the withdrawal operation, the denomination/fit/loss determination and distribution of the banknotes dispensed from the first withdrawal banknote storage section, which remained unprocessed at the time of the deposit transaction, are performed. Separation in the deposit process compared to
The chances of accumulation can be halved, and the banknote running route can be simplified. This has the effect of making it possible to obtain a highly reliable automatic teller machine with fewer chances of failures such as jams occurring.

Further, by reducing processing operations such as re-separation, re-discrimination, and storage of banknotes after temporary storage during a deposit transaction, an automatic deposit/dispensing machine with a shortened actual transaction time can be obtained.

In addition, by setting the circulating first withdrawal denomination to the one with the highest frequency of deposits and withdrawals at the location where the device is installed and during operating hours, etc., the operations for transporting and distributing banknotes can be kept to a minimum, and as described above. The effect will be even higher.

Further, according to the present invention, a second bank is provided that stores a withdrawal denomination that frequently circulates, that is, a withdrawal denomination that requires replenishment even during operation of the device.
Since the dispensing banknote storage section is configured such that banknotes can be filled from the outside while the device is mounted, the above-mentioned effects can be obtained without prolonging the operation stop time of the device for banknote filling work.

Further, according to the present invention, the number of separation sections and collection sections within the device is greatly reduced by the above-described configuration, so that it is possible to provide a small-sized and low-cost automatic teller machine.

In addition, the first bill storage section for dispensing, the bill storage section not subject to circulation, and the reject bill storage section are made into a single safe section that is detachable from the device, and the banknotes stored in the second bill storage section for dispensing are stored in this safe section. Since the banknotes can be collected and the staff can count all the banknotes in the device in this safe section, there is an effect that the operational burden on the staff at the time of counting stored banknotes before and after work can be significantly reduced.

[Brief explanation of the drawing]

FIG. 1 is a side view showing a first embodiment of the present invention, FIG. 2 is a perspective view showing the same embodiment installed in an automatic teller machine, and FIG. 3 is a perspective view of the main part of FIG. FIG. 4 is a side view showing a second embodiment of the present invention, and FIG. 5 is a side view showing a conventional example. 14...Banknote discrimination department 17...Bulk safe 18...
・First withdrawal banknote storage unit 19... Banknote storage unit not subject to circulation 20... Reject banknote storage unit 21... Deposited banknote bulk accumulation unit 24... Second banknote storage unit 2
5...Shutter

Claims (1)

[Scope of Patent Claims] 1. A deposit transaction function for discriminating the banknotes inserted by the customer into the banknote input/receiving slot using a discriminating means and depositing the banknotes, and discharging the stored banknotes according to the denomination and amount specified by the customer. In an automatic deposit/withdrawal machine that has a withdrawal transaction function for at least two denominations to perform withdrawals, and a circulation function that circulates banknotes that can be reused for withdrawals from among the banknotes that have been established for deposit transactions as circulating banknotes for withdrawals. , the circulating banknotes are limited to one denomination and this is set as a first withdrawal denomination, and a non-circulation banknote storage unit stores all banknotes and unfit notes of the deposited banknotes other than the first withdrawal denomination; , a reject banknote storage unit that stores the abnormally run withdrawal banknotes, and a first banknote storage unit that stores the withdrawal banknotes of the first withdrawal denomination and also stores the deposited banknotes in bulk without distinguishing between denominations and whether they are good or damaged. A banknote storage unit for withdrawal is provided directly above the first banknote storage unit for withdrawal, and deposited banknotes are temporarily stored in bulk, and upon obtaining transaction approval from the customer, the temporarily stored banknotes are stored in bulk in the first banknote storage unit. a bulk stacking part for depositing banknotes that is dropped and stored in a banknote storage unit for withdrawal, and storing banknotes for withdrawal of a denomination different from the first banknote denomination for withdrawal;
It also has at least one second withdrawal banknote storage section that allows banknotes to be filled directly from the outside while the device is mounted, and when depositing, the banknotes of a completed transaction temporarily stored in the deposited banknote bulk accumulation section are collectively stored. The banknotes are stored in the first withdrawal banknote storage section, and at the time of withdrawal, the banknotes are dispensed from the first withdrawal banknote storage section and the second withdrawal banknote storage section according to the denomination requested by the customer. At the same time, during the above-mentioned dispensing operation, for the bills dispensed from the first dispensing bill storage section containing deposited bills whose denomination/fitness has not yet been determined, the dispensing section disposes the bills into the first dispensing section. An automatic deposit/dispensing machine characterized by sorting banknotes for withdrawal of different denominations and at the same time sorting unfit bills, banknotes not subject to circulation, and abnormally running banknotes, and performing a sorting and storing operation. 2. Claim 1, characterized in that the first dispensing banknote storage section, the non-circulation banknote storage section, and the reject banknote storage section are made into a single safe section that can be freely attached to and removed from the main body of the device.
Automatic deposit/withdrawal machine described in section. 3. The automatic teller machine according to claim 2, characterized in that, when collecting banknotes in the device, the banknotes in the second payout banknote storage section are conveyed and stored in a single safe section all at once. .