JP2000231668A - Pos integrated type automatic cash transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve article management, sales management, and fund operation efficiency and to improve security service by arranging the POS integrated type automatic cash transaction system. SOLUTION: Cash receiving and paying mechanisms 105, 106, and 110 which adjust the payments for articles that customers purchase at a time are incorporated in the automatic cash transaction device and then the customer themselves are made to pay the money at a time not through salesclerks. A next customer has articles to be purchased checked by a staff in charge without queuing because of the batch adjustment. For the purpose, a received and paid money handing control part 109, a bar code read part 108, and a salesclerk operation control part 111 are provided for a cash desk. A bill receiving and paying mechanism part 105 is provided with two cash reception and payment openings, i.e., article purchaser cash adjustment opening and a cash receiving and paying user opening for bank accounts and then transactions can be done in parallel to eliminate the queueing of customers for cash reception and payment and article purchase.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention provides both a POS system used in a convenience store and the like and a cash automatic transaction device used in a bank and the like with one device.
A POS-integrated cash automatic transaction system that enables both of them at the same time, and in particular, even if a customer is paying for a product to be purchased, it enables another customer to deposit and withdraw cash from a bank account, thereby enabling product management. The present invention relates to a POS-integrated automatic cash transaction system capable of improving sales management, fund management efficiency, and security services.

[0002]

2. Description of the Related Art Conventionally, in order to reduce the waiting time at the time of checkout to improve the convenience by paying the price of the product purchased by the customer, the customer can check out by himself / herself. A method has been proposed in which devices are arranged and a plurality of conventional deposit / withdrawal handling devices, which are checked by a checker using a barcode reader, are mixed. For example, JP-A-8-
In the store layout described in Japanese Patent No. 221658, the check-in / check-out operation of a plurality of checker-operated cashiers is performed by a checker as a clerk across a self-checkout cashier's cashier's cashier handling device which allows customers to check out themselves. By arranging the devices separately on the left and right,
The customer can arbitrarily select and check out any one of the deposit / withdrawal handling device of the self-checkout type cash register and the deposit / withdrawal handling device of the plurality of checker operated type cash registers. In this case, it is possible to arrange a normal cash automatic transaction device in the store, but it is not possible to integrally process cash settlement for product purchasers and withdrawal from bank account or transfer to bank account. In addition, there was a problem that the withdrawal of the withdrawn cash was insecure.

[0003]

As described above, in the prior art, although the POS system and the automatic teller machine are arranged close to each other, the system is constituted by a plurality of processing units or processing mechanisms. However, no consideration was given to improving fund management efficiency and services through various forms of operation. In other words, the funds accumulated inside the device such as sales proceeds in the store cannot be used effectively until they are taken out. It was necessary to perform a deposit or transfer procedure on the transaction device. For this reason, it is necessary to frequently collect cash inside the apparatus, and there has been a problem in security at the time of cash collection. Also,
The sales proceeds are distributed and stored in a plurality of cash registers and the like, and there is also a problem that it takes a lot of effort to count the sales management.

Accordingly, an object of the present invention is to solve the above-mentioned conventional problems and to integrate the cash-receipt / withdrawal handling apparatus and the automatic cash transaction apparatus to improve the convenience of merchandise management and sales management. It is an object of the present invention to provide a POS-integrated cash automatic transaction system capable of achieving the following. Further, another object of the present invention is to enable cash settlement for merchandise purchasers and a plurality of simultaneous cash processes of cash deposit / withdrawal users from a bank account,
It is an object of the present invention to provide a POS-integrated automatic cash transaction system capable of improving fund management efficiency and security services.

[0005]

In order to achieve the above object, a POS-integrated automatic cash transaction system according to the present invention comprises:
A cash transfer mechanism that collectively settles the price of the products purchased by the customer is provided in the automated teller machine, and the cash transfer is performed by the customer himself without the attendant, and the next customer places a line in the device. Without waiting, the attendant checks the products to be purchased in parallel. As described above, there is provided an automatic cash transaction system with a cash register which has a control unit for controlling the POS processing device by a plurality of staffs in a comprehensive manner. Are extracted, and the extracted states are displayed on the attendant operation panel.
In addition, the POS-integrated automatic cash transaction system has two cash deposit and withdrawal ports, a cash settlement port for product purchasers and a cash deposit and withdrawal user account from a bank account. Processing can be performed without waiting for customers to purchase. In addition, the banknote deposit and withdrawal mechanism of the POS-integrated automatic cash transaction system allows customers to choose whether to withdraw money on the spot or to receive cash at the time of payment after purchasing a product, so that security in the case of cash withdrawal is possible. To complete. Further, when a bill loading box (safe) is removed without inputting a password, the security company is automatically notified so that damage caused by a burglary or theft can be minimized.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a POS showing one embodiment of the present invention.
It is a block diagram of an integrated cash automatic transaction system. The cash automatic transaction system integrated with cash register handling according to the present embodiment incorporates a cash handling function of a cash register in a conventional automatic cash transaction apparatus. The devices 102 to 107 on the right side of FIG.
Is a functional unit included in a normal automatic teller machine, and includes a cash register depositing and dispensing handling mechanism and a cash automatic transaction, such as a bill depositing and dispensing mechanism unit 105 and a coin depositing and dispensing mechanism unit 106. Some have both mechanisms. The devices 108 to 111 on the left side of FIG. 1 are functional units included in the cash registering / dispensing handling device. The main control unit 101, the storage unit 112, the line control unit 113, and the device power supply unit 107 have functions related to overall control. Department.

[0007] That is, the cash automatic transaction system 100 integrated with cashier deposit and withdrawal handling, the main control unit 10 for controlling the whole
1 and a card reading mechanism 1 for controlling card reading
02 and a statement sheet for controlling the printing of statement sheets and journals.
A journal printing mechanism unit 103, a receipt printing mechanism unit 104 for controlling printing of merchandise purchase details, a bill receiving / dispensing mechanism unit 105 for controlling bill deposit / withdrawal, a coin receiving / dispensing mechanism unit 106 for controlling coin depositing / dispensing, , A device power supply unit 107 for controlling the power supply of the entire device, a barcode reading unit 108 for reading a barcode of a purchased product, a cash-receipt-and-disbursement handling cash register control unit 109 for performing a tallying of purchased products, and a bill receiving / dispensing use. A customer operation control unit 110 in which a customer selects transaction contents and controls the input information, a clerk operation control unit 111 in which a clerk checks the operation state of the device and sales / sales of products, sales contents, product management information, etc. 112, a financial institution host 114, a product / sales monitoring system 115 for centrally monitoring the status of products / sales, and a security system for centrally monitoring crime prevention when a robbery occurs. And a line control unit 113 that performs data exchange with the company's security monitoring system 116.

FIG. 2 is a sectional view of the bill receiving / dispensing mechanism in FIG. As shown in FIG.
The layout of the internal mechanisms and the storage box are also features of the present invention. That is, the banknote pay-in / pay-out mechanism 105 arranges the banknote pay-in / pay-out ports 2a, 2b, the discriminating units 3a, 3b, and the temporary stackers 4a, 4b at two places on the bank side and the store side, respectively, and the 1,000 yen on the bank side and the store side. The bill storage boxes 6a and 6b, the ten-yen bill storage boxes 7a and 7b, and the commonly used bill loading box (safe) 8 are connected to a transport path 9.
Connected by Sensors 10 to 48 for detecting the presence or absence of banknotes and gates 201 to 21 are provided on the transport path 9.
5 are arranged so that the banknote can be transported to the destination. Further, the bank-side discriminating unit 3a is disposed on the left side and the store-side discriminating unit 3b is disposed on the right side, respectively, near the banknote pay-in / pay-out ports 2a and 2b, and can be transported in a short time, and both Transport path 9 even when
Avoid collisions and laps on the top. The two banknote storage boxes 6a, 6a are adjacent to each other like the store-side banknote storage boxes 6a, 7a and the bank-side banknote storage boxes 6b, 7b in this order along the transport direction.
By arranging b, 7a, and 7b, when performing bank transfer processing, there is no need to temporarily stack the sheets during the transfer, and the processing speed can be increased. The store-side temporary stacker 4a is on the left side, and the bank-side temporary stacker 4b is on the left.
Are arranged on the right side in order to avoid collision and wrapping as much as possible in relation to the transport direction when used on both the bank side and the store side.

[0009] At the left end of the banknote pay-in / pay-out mechanism 105, a deposit / withdrawal port 2a for a bank account is arranged, and at the far right end, a customer's deposit / withdrawal port 2b at the store side is arranged. Although not shown, a display unit for a store-side checker is arranged on the front side of the banknote depositing / dispensing mechanism 105, and a display unit for customers is arranged on the back side of the right end. Reference numeral 50 denotes a withdrawal bill holding BOX, which is used when a customer of a store withdraws from the bank deposit / withdrawal port 2a and uses it to pay for the purchased product.
This is a box to temporarily hold as a security service. Although the bill loading box (safe) 8 is shared by the store and the bank, any person in charge can insert or remove the bill by inputting a password. The main control unit 1 shown in FIG.
01 and other control units 107 to 111 and storage unit 11
2 is a bank-side deposit / withdrawal port 2a on the left side in the sectional view of FIG.
Is stored in the space below.

FIG. 3 is a block diagram of the bill receiving / dispensing mechanism in FIGS. 1 and 2. Data is transmitted and received to and from the main control unit 101 shown in FIG. These control units 301 to 307 and memory 308
Are stored in a space below the temporary stackers 4a and 4b in the cross-sectional view of FIG. During bill transfer, the control unit 301
Is a banknote transfer control by a discrimination a control unit (bank side) 302 or a discrimination b control unit (store side) 303, a sensor control unit 304, a gate control unit 305, a transfer control unit 306, and a separation / stack control unit 307. And the line control unit 30
Information is transmitted to the upper-level main control unit 101 via the control unit 9. In addition, sensor information at the time of bill conveyance is stored in the memory 308. The control operations of the discrimination a and b control units 302 and 303, the sensor control unit 304, the gate control unit 305, the transport control unit 306, the separation / stack control unit 307, and the line control unit 309 are the same as those of the conventional automatic teller machine. The same,
It is particularly noted that, when the store side and the bank side are simultaneously used in parallel, the two operations are controlled so as not to wrap each other.

FIG. 4 shows an embodiment of the present invention.
BRIEF DESCRIPTION OF THE DRAWINGS It is an external appearance side view of the cash-receipt-and-disbursement integrated cash automatic transaction system in which the banknote deposit / withdrawal mechanism is mounted. The cash automatic transaction system 100 of the cash register deposit / withdrawal handling according to the present invention comprises:
It is installed at checker counters at convenience stores and other places. In other words, the upper surface of the cash automatic transaction system 100 integrated with cashier's cash handling is used as a checker counter. 4, reference numeral 102 denotes a card reading mechanism, 2a denotes a bank-side banknote pay-in / pay-out port, 402 denotes a screen for customer operation, and 109 to 113 denote control units (controllers for controlling a cash-in / pay-out integrated cash automatic transaction system). Deposit and withdrawal handling control unit 109, customer operation control unit 110, clerk operation control unit 11
1)), 105 is a bill receiving / dispensing mechanism, 106
Is a coin deposit and withdrawal mechanism, 8 is a bill loading box (safe),
Reference numeral 401 denotes a store-side checker display unit, 505 denotes a coin receiving / dispensing port, 2b denotes a store-side banknote receiving / dispensing port, and 302 to 309 denote accommodation locations of a control unit of the banknote receiving / dispensing mechanism unit 105.

FIG. 5 is a top view of the cash automatic transaction system of FIG. In FIG.
This shows a state in which a customer 501 performs a deposit / withdrawal transaction from a financial institution, and another customer 502 performs a self-payment after checking a purchased product by a checker 503 simultaneously and in parallel.
That is, the customer 501 on the bank side operates the customer operation screen 402 regardless of the purchase of the product or
Is operated, a card with a personal identification number is inserted at the card statement entrance 504, and payment is made and withdrawn from the bank-side cash-in / pay-out port 2a. At the same time, the customer 502 at the store first receives a check on the brought-in merchandise on the counter 507 by the checker 503, and after the check is completed, performs a self-payment in front of the store-side cash slot 2b.

FIG. 8 is a diagram showing a customer operation screen and a checker operation screen on the store side. FIG. 8A shows a customer operation screen 403, and FIG. 8B shows a checker operation screen 401. When the customer 502 operates, the same screen is displayed on both screens 701 and 711. In the self-payment, first, the checker 5 is displayed on the checker operation screen 401.
03 inputs the customer number from the ten-key touch panel 713, and the purchase amount corresponding to the customer number integrated at the time of the check is displayed in the amount display fields 702, 71 of both the customer operation and checker operation screens 403, 401.
2 is displayed. Next, the confirmation display field 701 will display "After confirming the amount, press the confirmation key if you like. Is displayed, and when the customer 502 presses the confirmation key 705,
Calculate the amount of money inserted in the store side banknote pay-in / pay-out port 2b and the coin pay-in / pay-out port 505, and change the change
2 and the change is discharged to the deposit / withdrawal port 2b, 505. If there is no change or the change is taken out, the guidance display fields 701 and 711 indicate "Please receive a receipt. ] And then "Thank you. Is displayed. The receipt is discharged from the receipt discharge port 506.

When the customer presses the cancel key 704 when the purchase price is displayed, the guidance display fields 701 and 711 show "Please check again with the checker." Is displayed, and the checker 503 that sees this gives priority to rechecking. When the bill loading BOX 8 is taken out, it is not displayed on the customer operation screen 403,
Only the checker operation screen 401 operates. In this case, as shown in FIG.
1. Enter the password. Is displayed, the clerk inputs a password from the numeric keypad touch panel 713, and the clerk operation control unit 111 of the cash-in-cash automatic transaction system 100 checks the password. If the password is correct, the display unit 716 or 7
17 "I will load it. ] Or [Recover. Is displayed, and by touching either one, bill loading B
The bills are loaded from the OX8 into the respective money amount storage boxes, or all the bills or a part of the bills from the respective money amount storage boxes are collected in the BOX8. Also, the bank clerk loads the bill B
When loading or collecting cash from the OX 8, guidance is displayed to enter a password in the same manner as described above, and the host computer 114
Verifies the password by interacting with
The display unit 716 or 717 displays the start of loading or collection.

FIG. 6 is a flowchart of a transaction process of a customer who dispenses bills from a bank account, and FIG. 7 is a flowchart of a customer process for self-payment of merchandise purchase performed in parallel with FIG. is there. The processing procedure of FIGS. 6 and 7 will be described based on FIGS. Customer 501 in FIG.
When the customer 501 and the customer 502 simultaneously perform a withdrawal / payment process, the customer 501 specifies a withdrawal transaction from the customer operation screen 402, inserts a card (step 601), and then enters a personal identification number (step 602). Inquiry is made to the financial institution host 114 to verify the identity, an amount confirmation screen is displayed, and the withdrawal amount is input (step 603) and the designation of the withdrawal banknote receiving location is input (step 604), and the withdrawal transaction is started. I do. When the payout bill receiving location “receipt on the spot” is designated, the bill receiving / dispensing mechanism unit 105 that has received the information from the main control unit 101 detects the usage status of the bill transport path with the sensor 1.
Confirm by 0-48 (step 605), customer 502
If the transfer path is not used for the settlement transaction processing from the bank, the sheets are separated and conveyed one by one from the bank-side bill storage boxes 6b and 7b (step 606), and the discrimination unit 3a checks the authenticity, the denomination and the withdrawal. By determining whether it can be used (step 6
07), bills that are genuine and usable for dispensing are the gates 211, 210, 204, 202, 201, 215 in FIG.
Is transferred to the deposit / withdrawal port 2a (step 609).

A bill whose authenticity and denomination could not be discriminated by the discriminating unit 3a and a genuine bill which cannot be used for dispensing (for example,
Gates 211, 210, and 2)
The banknotes are conveyed to the bank-side reject box 5a by steps 04, 202 and 203 (step 613), separated and conveyed one by one again from the bank-side banknote storage boxes 6b and 7b, and conveyed to the deposit / withdrawal port 2a until the amount of money to be dispensed is reached. You. When the designated amount of withdrawal is reached, the deposit / withdrawal port 2a is opened, and after the customer 501 takes out the bill (step 610), the card is returned (step 611) and the statement slip printing / discharging (step 612).
Is done and the transaction ends. Up to this point, the operation is the same as that of a normal cash transaction apparatus.
May be the same as a normal screen, and a description of the screen will be omitted. On the other hand, when the customer 501 designates the receiving place of the dispensing bill as “receipt at the counter”, steps (step 605) to (step 607) are carried out in the same manner as described above, and the genuine bill can be used for dispensing. Bills are gate 211, 2
By means of 10, 204, 202, 201, 215, it is conveyed to the dispensing banknote holding BOX 50 (step 614).

Banknotes whose authenticity and denomination could not be discriminated by the discriminating unit 3a are similarly processed (step 613), and are again separated and conveyed one by one from the bank-side banknote storage boxes 6b and 7b. Banknote withdrawal BOX5 until the amount is reached
Transported to 0. When the designated amount of withdrawal is reached, a cash deposit issuance / discharge is performed by the statement slip printing mechanism 103 (step 6).
15), the card is returned (step 611) and the statement slip is printed / discharged (step 612), and the transaction is completed.
Thereafter, by presenting the cash deposit received at the time of the merchandise purchase settlement process to the checker 503, cash in an envelope or the like can be received in exchange for the cash deposit. The customer 502 inputs the designation code from the numeric keypad touch panel 703 on the customer operation screen 403, thereby
Payment can also be made from the amount reserved in X50. As a result, it is possible to prevent a theft accident at the time of dispensing a large amount of cash.

On the other hand, in FIG. 7, the checkout process of the merchandise purchase of the customer 502 can be performed in parallel with the withdrawal process of the customer 501. When the reading of the product is completed, the purchase amount is displayed (step 617) on the clerk operation confirmation screen 401 and the customer operation product settlement screen 403, and the checker 503 charges the customer 502.
If the customer 502 inserts a banknote into the banknote pay-in / pay-out port 2b and has a coin, the customer 502 also inserts a coin into the coin banknote pay-in / payout port 505 (step 618). The set bills are separated and conveyed one by one, and the authenticity and denomination are discriminated by the discrimination section 3b (step 619), and the genuine bills are temporarily stored in the stacker 4b by the gates 206, 205, and 208 (step 620). ) Is done. The purpose of temporarily storing the deposited banknotes in the stacker 4b is to avoid the trouble of the change amount by making the customer confirm the denomination of the banknotes deposited by the customer. The banknote for which the authenticity and the denomination could not be discriminated by the discrimination unit 3b is returned to the deposit / withdrawal port 2b by the gate 206. The banknote returned to the deposit / withdrawal port 2b is returned to the customer once (step 6).
25) After confirming the customer, re-insert.

After re-deposit, the customer 502 confirms the number of bills.
When (Step 621) is selected, the usage status of the bill conveyance path is confirmed by the sensors 10 to 48 (Step 62).
2) If the transport path is not used for the deposit / withdrawal transaction processing from the customer 501, the change bills are separated and transported one by one from the bill storage box 6a, and the discrimination unit 3b uses the discrimination unit 3b for authenticity, denomination, and withdrawal. It is determined whether or not the bill can be used, and the bills that are genuine and usable for dispensing are gates 204, 207, 208, 209,
The sheet is conveyed to the deposit / withdrawal port 2b by 206. Banknotes and genuine bills whose authenticity and denomination could not be discriminated by the discriminating unit 3b are banknotes that cannot be used for dispensing (for example, damaged bills, blood stains, etc.).
Is conveyed to the reject box 5b by the gates 204, 202 and 203, and again from the bill storage box 6a.
Separately conveyed sheets one by one and the deposit / withdrawal port 2b until the withdrawal amount is reached
Transport to When the change amount reaches the designated amount, the deposit / withdrawal port 2b is opened, and after the customer 502 has taken out bills and taken out coins (step 623), receipt printing / discharging (step 624) is performed, and the merchandise purchase settlement is completed.

After that, the banknotes temporarily stored in the stacker 4b are checked by using the sensors 10 to 48 for the usage status of the banknote transport path. Separated and transported by
In step b, it is determined whether the banknote is authentic or denominated and whether it can be used for withdrawal.
6, 205, 202, 201, 204, 207, 21
4, 213, 212, a thousand-yen bill storage box 6a,
Alternatively, it is stored in the banknote storage box 7a. Regarding bills and genuine bills whose authenticity and denomination could not be discriminated by the discriminating unit 3b, bills that cannot be used for dispensing (for example, torn damaged bills, blood stains, etc.) are gates 209, 206, 205, 20
It is transported to the reject box 5b by 2, 203.

Next, when the store clerk or store manager selects the sales summary inquiry screen on the store clerk operation confirmation screen 401 and confirms that the sales have been accumulated to some extent, the store side 1,000 yen bill storage box is executed by bank transfer processing. It is possible to transfer the money stored in the banknote storage boxes 7b and 6b to the banknote storage boxes 7b and 6b by the designated amount (specified denomination and number of sheets) of the sales stored in the banknote storage box 7a or the banknote storage box 7a. It is. In this case, the store clerk operates the clerk operation confirmation screen 4
When a password is input after selecting the sales summary inquiry screen in 01, a transfer processing screen is displayed, and a transfer amount (designation of denomination / number of sheets) can be specified. Upon receiving the information, the main control unit 101 instructs the banknote depositing / dispensing mechanism unit 105 to perform a transport process, and the banknote depositing / dispensing mechanism unit 105 checks the use status of the transport path by the sensors 10 to 48, and If the transport path is not used for the processing of the deposit / withdrawal transaction from the customer 502, the bills are separated and transported one by one from the banknote storage boxes 6a, 7a on the store side, and can be used for authenticity, denomination and withdrawal in the discrimination unit 3a. It is determined whether or not the bill is a genuine bill and the bills usable for dispensing are gates 204, 207, 214, 213 and 21.
2, the banknotes can be conveyed and stored in the bank-side 1,000-yen bill storage box 6b or the bank-side ten-yen bill storage box 7b.

Gates 204 and 202 include a banknote whose authenticity and denomination cannot be discriminated by the discriminating section 3a and a banknote which is a genuine bill and cannot be used for dispensing (for example, a damaged bill or a bloodstain). , 20
3 to the store-side reject box 5b, and then separate from the store-side banknote storage boxes 6a and 7a one by one and convey them again until the bank transfer designated amount is reached and the bank-side 1,000-yen banknote storage box 6b or the bank-side 10,000-yen banknote storage Box 7b
Transport to Also, the store side bill storage boxes 6a, 7
a, by arranging both banknote storage boxes 6a, 6b, 7a, 7b adjacent to each other like bank side banknote storage boxes 6b, 7b in this order along the transport direction,
When performing the bank transfer process, there is no need to temporarily stack during the transfer, and the speed of the process can be increased.

Next, in a case where the cash on the store side runs short, contrary to the bank transfer process, it is possible to borrow from the bank. In this case, the store clerk operates the clerk operation confirmation screen 40.
After selecting the store cash amount inquiry screen in 1 and inputting a password, a cash borrowing processing screen is displayed, and the amount of borrowing (specifying the denomination and the number of sheets) can be specified. Upon receiving the information, the main control unit 101 transmits the borrowing request information to the financial institution host via the line control unit 113. The financial institution examines the business condition of the target store based on the borrowing request information, and if there is no problem with the business condition, a message of the loan OK is transmitted to the main control unit 101 via the line control unit 113. Upon receiving the information, the main control unit 101 instructs the banknote depositing / dispensing mechanism unit 105 to perform a transport process, and the banknote depositing / dispensing mechanism unit 105 checks the use status of the transport path by the sensors 10 to 48, and
If the transfer path is not used for the processing of deposit and withdrawal transactions from the customer 1 and the customer 502, they are separated and conveyed one by one from the bank-side bill storage boxes 6b, 7b, and are used by the discrimination unit 3a for authenticity, denomination, and withdrawal. It is determined whether or not it is possible, and the bills that are genuine and usable for dispensing are gates 211, 210, 204, 2
At 07 and 214, the sheet is transported to the temporary stacker 4a and temporarily stacked.

The gates 211 and 210 are used for the bills whose authenticity and denomination could not be discriminated by the discriminating unit 3a and the bills which are genuine bills and cannot be used for dispensing (for example, torn damaged bills, blood stains, etc.). , 20
Bank reject box 5 by 4, 202, 203
a, and again the bank-side bill storage boxes 6b, 7b
The sheets are separated and transported one by one and transported to the temporary stacker 4a until the designated loan amount is reached. After that, the temporary stacker 4a
From the transport gates 208 and 2
09, 206, 205, 202, 201, 204, 20
7, 214, 213, and 212 are conveyed and stored in the store side banknote storage boxes 6a and 7a, and the financing process ends.

In this embodiment, by providing two cash deposit / withdrawal ports, ie, a cash settlement port for a product purchaser and a cash deposit / withdrawal user account from a bank account, the product purchase and withdrawal is performed when cash is withdrawn. Processing can be performed without waiting for the customer's turn, and by providing two banknote storage boxes, the store-side banknote storage boxes 6a and 7a and the bank-side banknote storage boxes 6b and 7b, bank transfer processing can be performed inside the apparatus. The function to perform and the function to perform the financing process inside the apparatus have been described. However, at the start of the operation, the processing to automatically load a certain banknote in the banknote loading box (safe) 8 is supported, and the criminal can check the checker 503. When requested to take out the cash, the entire bill loading box (safe) 8 is removed from the device and inserted, so that human life and the bill storage boxes 6a, 7a on the store side, the bank, Bill storage box 6b, 7b of the damage of the bill it is possible to minimize. Further, by removing the bill loading box (safe) 8 during operation of the apparatus, the main control unit 101 via the line control unit 113
Automatic emergency contact is sent to the security company's security monitoring system, which can improve security services.
That is, when the bill loading box (safe) 8 is removed without entering a password, the security monitoring system is immediately notified automatically. On the other hand, when the correct password is entered and removed, the store clerk is dismissed. Or, it will be deemed to have been removed by a bank official and it will be a regular business activity. Therefore, even if a customer purchases a product, the cash deposit / withdrawal user can be used from a bank account with a single device, thereby improving product management, sales management, fund management efficiency, and security / Service can be improved.

The present invention is not limited to the convenience store described in the present embodiment, but may be applied to various fields having a plurality of processing units and mechanism units for performing predetermined processing in response to a processing request. Can be applied to all of the devices arranged in the system. The present invention is not limited to the arrangement and operation of the above-described embodiment, and it is needless to say that various modifications can be made without departing from the gist thereof.

[0027]

As described above, according to the present invention,
The merchandise purchase settlement port and bank deposit / withdrawal port are provided in a single device, enabling simultaneous operation as a POS-integrated automatic cash transaction system, thereby improving the convenience of product management and sales management. It becomes possible. In addition, cash settlement for merchandise purchasers and multiple cash processing for cash deposit / withdrawal users from bank accounts are performed in parallel, and internal direct transfers, loan processing and crime countermeasures are carried out. It is possible to improve efficiency and security services.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a POS-integrated automatic cash transaction system according to an embodiment of the present invention.

FIG. 2 is a sectional structural view for explaining a configuration of a bill receiving / dispensing mechanism in FIG.

FIG. 3 is a block configuration diagram of a control unit of the bill receiving / dispensing mechanism showing one embodiment of the present invention.

FIG. 4 is an external side view of a POS-integrated cash automatic transaction system showing one embodiment of the present invention.

5 is an external top view of the POS-integrated automatic cash transaction system in FIG.

FIG. 6 is an operation flowchart for dispensing bills from a bank account according to the present invention.

FIG. 7 is a flowchart showing an operation (parallel processing with FIG. 6) of performing self-payment for product purchase according to the present invention.

8 is a diagram of a customer operation screen and a checker operation screen in FIG.

[Explanation of symbols]

100 ... POS integrated cash automatic transaction system, 101 ...
Main control unit, 102: card reading mechanism unit, 103: statement / journal printing mechanism unit, 104: receipt printing mechanism unit, 105: bill receiving / dispensing mechanism unit, 106: coin receiving / dispensing mechanism unit, 107: device power supply unit 108: bar code reading unit; 109: cashier deposit / withdrawal handling control unit; 110: customer operation control unit; 111: clerk operation control unit; 112: storage unit;
113: Line control unit, 114: Financial institution host, 115
... Product / sales monitoring, 2a ... Bank side banknote deposit / withdrawal port, 2b ...
Store-side banknote pay-in / pay-out port, 3a: Bank-side discriminator, 3b: Store-side discriminator, 4a: Bank-side temporary stacker, 4b ... Store-side temporary stacker, 5a: Bank-side reject BOX, 5b ... Store-side reject BOX, 6a … The store-side 1,000 yen bill storage BO
X, 6b: 1,000 yen banknote storage box on the bank side, 7a: 10,000 yen banknote storage box on the store side, 7b: 10,000 yen banknote storage box on the bank side,
8 ... Bill loading BOX, 9 ... Convey path, 10-48 ... Sensor, 50 ... Payment banknote holding BOX, 201-215 ... Convey path gate, 300 ... Bill receiving / dispensing mechanism control unit, 301 ... Control unit, 302 ... Discrimination a control unit, 303 ... discrimination b control unit,
304: sensor control unit, 305: gate control unit, 306
... Transport control unit, 307 ... Separation / stack control unit, 308
... memory, 309 ... line control unit, 401 ... clerk operation confirmation screen, 402 ... customer operation screen, 403 ... customer operation merchandise settlement screen, 501 ... bank deposit / withdrawal customer, 502 ... commodity settlement customer, 503 ... checker, 504: Card / detail entrance, 507: Purchased product check counter, 505
… Coin deposit and withdrawal port, 506… receipt discharge port, 703,7
13: numeric keypad touch panel, 701, 711: guidance display field, 705, 715: confirmation key, 704, 71
4: Cancel key, 702, 712: Amount display column, 716,
717: Processing operation display column.

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Claims (5)

[Claims] 1. Cash transfer means for customer operation for collectively adjusting the price of a purchased product; control means for comprehensively controlling a bank account deposit / withdrawal user and a product settlement / delivery user; POS operation and cash register entry / exit PO controlling money handling
The S operation control means is built in an automatic teller machine operated by a user who deposits and withdraws cash from a bank account, and performs the above-mentioned merchandise settlement delivery processing, bank account deposit and withdrawal processing, cash register deposit and withdrawal handling processing. A POS-integrated automatic cash transaction system characterized by operating in parallel. 2. A cash settlement port operated by a product purchaser and a cash deposit / withdrawal port operated by a cash deposit / withdrawal user from a bank account; A sales discriminating section and a bank discriminating section, and two devices, a temporary sales stacker and a bank deposit / withdrawal temporary stacker, a common transport path and a bill loading box for sales and bank deposit / withdrawal, A counter for checking sales products by using a control unit, a control unit for controlling a customer operation, a control unit for controlling a POS operation, and a control unit for controlling cash handling of a cash register, and a customer operation for displaying a processing state A POS-integrated automatic cash transaction system comprising a confirmation screen and a POS operation confirmation screen. 3. The POS-integrated automatic cash transaction system according to claim 1 or 2, wherein means for performing a process of transferring sales proceeds to a bank account inside the device, and financing from the bank account to the store inside the device. Means for carrying out processing, wherein the sales money storage and the banknote storage are arranged so that bills can be directly conveyed from one side to the other.
OS integrated cash automatic transaction system. 4. The POS-integrated automatic cash transaction system according to claim 1, wherein a banknote withdrawal box is provided on a transport path inside the device, and the customer operation control unit includes a bank operation. When conducting a gold transaction, the customer is asked to select whether to withdraw on the spot or to receive cash at the time of payment after purchasing the product on the customer operation screen, and if he chooses to receive it at the time of payment, the banknote taken out from the bank note storage box The POS-integrated automatic cash transaction system, wherein is temporarily stored in the dispensing bill holding box, and the bill is received from the dispensing bill holding box at the time of settlement. 5. The POS according to claim 1, wherein:
In the automatic cash transaction system, a bill loading box for loading a predetermined amount of bills during operation, and continuous monitoring when the bill loading box is removed without inputting a correct password POS provided with means for automatically reporting to a security company
Integrated cash automatic transaction system.