JP2001297196A - Cash accounting system and cash accounting method using automatic cash teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide cash accounting system/cash accounting method using an automatic cash teller machine, which can secure the safety of cash without installing a strong safe. SOLUTION: An ATM 12, an office terminal 13 and a host 14 mediating the ATM 12 and the office terminal are included. The ATM 12 is connected to the host 14, and the office terminal 13 to the host 14 by communication private lines 15. The host 14 is provided with a recording part 43 storing cash accounting information processed in the ATM 12 and the office terminal 13 and a system-only account 43 is made. Cash transactions generated at a bank window are performed through the system-only account 43a. Cash is received and paid by the ATM 12 and cash is stored in a machine in the ATM 12. Namely, the ATM 12 is used as the safe. Thus, the safety of cash can be secured without installing the strong safe.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash accounting system and a cash accounting method using an automatic teller machine for performing cash transactions performed at a window of a bank or the like.

[0002]

2. Description of the Related Art In a cash transaction performed at a bank teller, a receiver (hereinafter referred to as "teller") temporarily stores cash on hand, and during or after business hours, a processed slip and cash on hand. After checking the balance with the balance and confirming the match, the money was remitted to the teller. The teller added up the cash collected by each teller and the cash held by the teller and checked the legitimacy of the cash balance. The cash was kept in a secure vault, which provided security.

[0003]

In recent years, stores such as banks have tended to be downsized, but in order to install a robust safe, it is necessary to secure a certain installation area or more. Had limitations. In particular, in mechanized stores and mobile stores, which are the most popular small-scale stores, it is necessary to ensure cash safety despite the difficulty in installing a robust safe.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and has as its object to provide a cash dispenser using an automatic teller machine which can secure cash without installing a robust safe. A system and a cash accounting method are provided.

[0005]

According to a first aspect of the present invention, there is provided an automatic teller machine for depositing and withdrawing cash, storing cash, and transmitting cash accounting information in accordance with the deposit and withdrawal of cash. An online terminal that sends out the cash accounting information to the automatic teller machine and the automatic teller machine and the online terminal are connected by communication means, and combine the cash accounting information from the automatic teller machine and the online terminal. And a host computer having storage means for storing the cash accounting information.

According to a second aspect of the present invention, in the first aspect of the present invention, when cash is stored, a transaction voucher issued from the automatic teller machine is used as a business transaction voucher, and the receipt number is determined by a predetermined algorithm. The main point is that at the time of processing at the online terminal, at least the receipt number, transaction amount, and date of the processing slip are compared with the transaction history recorded in the host computer.

According to a third aspect of the present invention, in the first or second aspect of the present invention, at the time of cash payment, a cash-only machine and a personal identification number given from a host computer are used as keys to transfer cash from an automatic teller machine. The gist is to pay

According to a fourth aspect of the present invention, in the first aspect of the present invention, one or more ATMs are grouped into one group and managed in units of the group. The gist is that what was done.

According to a fifth aspect of the present invention, in the cash accounting method, at the time of cash storage, cash deposited from an automatic teller machine is temporarily deposited into a system dedicated account of a host computer, and thereafter operated by operating an online terminal. Withdraw,
At the time of cash payment, the funds to be paid are temporarily deposited into the system dedicated account by operating the online terminal, and thereafter, the funds to be paid in the system dedicated account are withdrawn by operating the automatic teller machine, and cash is paid from the automatic teller machine. The gist is what we did. (Operation) According to the first aspect of the invention, all cash transactions generated at the bank counter are performed through the storage means. All deposits and withdrawals of cash are made by an automatic teller machine (ATM), and all cash is stored in the automatic teller machine.
That is, the automatic teller machine is substituted for the safe. In general,
The housing of the automatic teller machine is reinforced so that the security level is 3 or more specified by the Vending Machine Industry Association. This is 25 minutes before taking out cash using a hammer or other equipment.
It is a standard that requires more than a minute and is an extremely safe device.

According to the second aspect of the present invention, in addition to the operation of the first aspect of the present invention, when cash is stored, the processing slip issued from the automatic teller machine is a business processing slip. At the time of processing at the online terminal, at least the reception number, transaction amount, and date of the processing slip are compared with the transaction history recorded in the host computer. The receipt number of the processing slip serves as an identification means on the deposit record to the system dedicated account,
It is randomized by a predetermined algorithm.

According to the third aspect of the present invention, in addition to the operation of the first or second aspect, the operator of the automatic teller machine reads the card dedicated to payment by the automatic teller machine. By inserting the personal identification number from the operation unit of the automatic teller machine, the cash can be withdrawn from the automatic teller machine.

According to a fourth aspect of the present invention, in addition to the operation of the first aspect of the present invention, one or more automatic teller machines are connected to one group. And are managed on a group basis.

According to the invention described in claim 5, all cash deposits and withdrawals are made through an automatic teller machine. All cash is stored in an automatic teller machine, which is used as a substitute for a safe.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention embodied in a cash accounting system will be described below with reference to FIG. (Cash Teller System) As shown in FIG. 1, the cash teller system 11 includes an automatic teller machine (hereinafter, referred to as "ATM") 12, an on-line terminal for processing reception counter business (hereinafter, referred to as a "sales terminal"). ) 13 and a host computer (hereinafter, referred to as “host”) 14. Between ATM 12 and host 14 and branch office terminal 13
The host 14 is connected to the host 14 by a dedicated communication line 15 as communication means. In the present embodiment, A
The TM12 consists of only one unit, but two or more units
TM12 may be connected.

The ATM 12 performs various transactions by the operation, that is, deposits and withdrawals of deposits, transfers and transfers, bookkeeping and cash accounting for cash transactions at a consultation desk. Office terminal 13
Is operated mainly for journal entry, such as entry to customer ledger (including passbook, etc.) and journal entry (account processing), application for loan, payment of public money and utility charges excluding national tax, opening of account, various reports , Carry over, apply for various services,
And various banking services such as data collation.
The host 14 controls the entire cash accounting system 11.

(ATM) As shown in FIG.
Is a card reading unit 21, a cash transfer unit 22, a display operation unit 2.
3, printing unit 24, communication control unit 25, cash storage unit 26, R
An OM and storage unit 27 and a control unit 28 are provided. When the card reading unit 21 withdraws cash from the ATM 12,
ATM inserted from ATM card slot (not shown)
The card information of the payment card 21a is read. The card reading unit 21 can read the data from a magnetic storage unit of a known ATM card (including a magnetic storage unit that stores data such as a password and an account number). Then, when a normal password is input via the display operation unit 23, an operation such as a payment operation can be performed. In addition, the card reading unit 21 of the present embodiment is
When the TM payment card 21a is inserted from the card insertion slot and a variable password described later is input through the display operation unit 23, the payment operation is permitted based on the variable password.

The cash transfer section 22 actually deposits and withdraws cash, determines the type of cash to be deposited and withdrawn, and counts. The display operation unit 23 includes a CRT or a liquid crystal display, and a touch panel (not shown) for inputting information is provided on a display screen of the display. AT
The operator of M12 selects a desired menu from a plurality of input item menus (for example, “deposit”, “payout”, “storage”, and “payment”) displayed on the initial screen of the display by using the touch panel. A desired transaction is performed in accordance with screen guidance that is sequentially displayed by selecting a part to be operated. The printing unit 24 writes the processing contents in the ATM 12, that is, the transaction date and time, the transaction amount, the receipt number, and the like into the processing form 24a.
And print it out. The receipt number is deposit / withdrawal identification information on the deposit record by the ATM 12.

The communication control unit 25 controls data communication between the ATM 12 and the host 14 via the dedicated communication line 15. The cash storage unit 26 stores a predetermined amount of cash in advance, and also stores cash deposited through the cash transfer unit 22. The cash storage unit 26 is used as a substitute for a safe, and its housing is reinforced so that the security level of the vending machine industry association is 3 or more.

The storage unit 27 includes a ROM and a RAM (not shown).
It has. Various control programs executed by the control unit 28 are stored in the ROM, and the control program always sends the result information of the cash transaction processing (payment and withdrawal) executed by the ATM 12 to the host 14 via the dedicated communication line 15. Has a function. The RAM is a data storage area for developing the control program of the ROM and executing various processes by the control unit 14, that is, a work area. The control unit 28 performs AT based on the control program stored in the storage unit 27.
It controls the whole of M12.

(Office Terminal) As shown in FIG. 1, the office terminal 13 includes a display unit 31, an operation unit 32, a printing unit 33, a storage unit 34, a communication control unit 35, a control unit 36, and the like. The display unit 31 includes a CRT or a liquid crystal display that displays a screen corresponding to the various bank services. The operation unit 32 includes a keyboard, a mouse, and the like as input means for inputting various data such as a payment amount.
The printing unit 33 prints the contents of processing at the branch office terminal 13, that is, the transaction date and time, the transaction amount, the personal identification number assigned from the host 14, etc. on a slip 33 a as an instruction sheet and outputs it to the outside.

The storage section 34 has a ROM and a RAM (not shown). Various control programs executed by the control unit 36 are stored in the ROM. The control program has a function of constantly transmitting the result information of the transaction processing executed by the sales office terminal 13 to the host 14 via the dedicated communication line 15. Have. The RAM is a data storage area for developing the control program of the ROM and executing various processes by the control unit 36, that is, a work area. The communication control unit 35 communicates with the business office terminal 13 and the host 14 via the dedicated communication line 15.
Controls data communication between and. The control unit 36 is a storage unit 3
Office terminal 1 based on the control program stored in
3 is controlled in its entirety.

(Host Computer) As shown in FIG. 1, the host computer 14 includes a communication control unit 41, a control unit 42, a recording unit 43, and the like. The communication control unit 41 communicates with the host 14 and the ATM 1 via the dedicated communication lines 15 and 15.
2 and data communication between the host 14 and the office terminal 13. The control unit 42 controls the entire office terminal 13 based on various control programs stored in the recording unit 43. The recording unit 43 includes a ROM, a RAM (not shown), and a system dedicated account 43a as storage means.

Various control programs executed by the control unit 42 are stored in the ROM. This control program includes, for example, data from the ATM 12 and the office terminal 13.
Has a function of maintaining the consistency while associating the cash account transaction at the ATM 12 with the account transaction at the business office terminal 13 based on the data from the ATM. The RAM is a data storage area, that is, a work area for the control unit 42 to execute various processes by expanding the control program of the ROM. The system dedicated account 43a combines the cash accounting information from the ATM 12 and the branch terminal 13 and stores the cash accounting information.

Next, the operation of the cash accounting system configured as described above will be described with reference to the flow charts shown in FIGS. (1. At the time of payment) First, processing involving storage of cash from the customer,
For example, a case will be described in which payment of a utility fee, deposit in a deposit, repayment of a loan, and transfer have been received. In this case, the teller or a clerk (a clerk) other than the teller deposits the cash received from the customer at the counter, for example, the payment of the utility bill, the deposit to the deposit, the repayment to the loan, the fund for the transfer, etc. .

That is, as shown in FIG.
When depositing the money in the TM12, the teller or the staff instructs the "storage" in the input item menu displayed on the display operation unit 23.
Is selected (S101), and cash is set in the cash transfer unit 22. After counting the cash (S10)
2), the control unit 28 controls the display operation unit 23 to display the amount. The teller or attendant checks the displayed amount of money, and performs an operation of “confirmation” if it is correct, and an operation of “cancel” if it is not correct (S103).

When the operation of "confirmation" is performed, the control unit 2
Numeral 8 notifies the host 14 of the counted amount and instructs the host 14 to perform a deposit processing. That is, ATM12
The communication control unit 25 transmits the storage instruction message (D1) shown in FIG. 6 to the host 14 (S104). The storage instruction message (D1) includes an ATM identification code for individually identifying the ATM 12. On the other hand, if the "cancel" operation is performed in S103, the ATM 12 returns the cash in the cash transfer unit 22 to the teller or the attendant (S10).
5), end the processing.

Here, as shown in FIG.
Receives the storage instruction message (D1) from the ATM 12 (S201), and receives the ATM included in the message (D1).
The identification code is compared with an ATM identification code or an ATM identification code group stored in the recording unit 43 in advance. Based on the result, the host 14 determines whether or not the ATM 12 that has sent the storage instruction message (D1) is a device to be operated by the accounting system 11 (S202). That is, host 1
4 confirms the validity of the sent storage instruction message (D1).

When the validity of the storage instruction message (D1) is confirmed, the host 14 assigns a reception number (S203).
Then, the amount designated by the storage instruction message (D1) is deposited into the system dedicated account 43a (S204). The deposit processing means that the host 14 records the receipt number, the transaction amount, the transaction date and time, and the like as the history of the deposit transaction in the recording unit 43, and adds and records the cash deposit amount of the ATM 12 instructed. As a result, consistency with the cash balance in the ATM 12 is maintained. The receipt number is ATM1
2 is deposit and withdrawal identification information on the deposit record by No. 2 and is generated by randomizing according to a predetermined algorithm. For example, it is generated by a random number generator, random number generation software, or the like.

Thereafter, the host 14 sends a payment processing completion message (D2) shown in FIG. 6 including a notice of the processing completion and necessary items for printing the processing form, such as a reception number, a transaction date and time, and a transaction amount. Is transmitted to the ATM 12 via the communication control unit 41 (S205), and the process ends. On the other hand, if the validity of the message (D1) is not confirmed in S202, the host 14 transmits an error message to the ATM 12 via the communication control unit 41 (S206), and ends the processing.

As shown in FIG. 2B, within a predetermined time (in the present embodiment, within one minute) from the transmission of the storage instruction message (D1) to the host 14, the payment processing completion message from the host 14 is received. If (D2) cannot be received, the ATM 12
Returns the cash in the cash transfer unit 22 to the teller or staff (S
107), and the process ends. The elapsed time from the transmission of the storage instruction message (D1) to the host 14 is measured by a timer (not shown) built in the control unit 28 of the ATM 12.

When the control unit 28 of the ATM 12 receives the payment completion message (D2) from the host 14 within a predetermined time after transmitting the storage instruction message (D1) to the host 14 (S108), The cash of the transfer unit 22 is stored in the cash storage unit 26 (S109). Then, the control unit 28 controls the printing unit 24 based on the payment processing completion message (D2), prints data relating to the processing on the processing form 24a, and outputs the data to the teller or the attendant (S110). This processing form 24a
Are positioned as business forms, such as collation with processed slips. The data relating to the processing is transaction date and time, transaction amount, and receipt number.

Next, as shown in FIG. 4A, the teller regards the processing slip 24a output from the ATM 12 as substantial cash and prints data such as a receipt number, transaction date and time, and transaction amount printed on the slip. Is input via the operation unit 32 (S3
01). In other words, deposit, transfer, loan repayment and the like are performed by the branch office terminal 13. The contents input and operated at the branch office terminal 13, that is, the contents of the entry to the customer ledger and the journal (account item processing) (including data such as the reception number, transaction date and time, transaction amount, account item, and the like of the processing) are The transfer instruction message (D3) shown in FIG. 6 is transmitted to the host 14 (S30).
2).

As shown in FIG. 5, when the host 14 receives the transfer instruction message (D3) from the office terminal 13, the host 14 (S4).
01), data such as the reception number of the processing at the ATM 12, the transaction date and time, and the transaction amount included in the message (D <b> 3) and the transaction history are stored in the system dedicated account 43 a of the recording unit 43 related to the ATM 12. A collation process is performed with each data item (S402). Then, if all match (S403), the host 14 performs transfer processing using the slip (S404). This transfer process is performed by the AT
This is a process for matching the balance in the system dedicated account 43a corresponding to M12. That is, the agreement of the balance is determined by the payment (reduction) of the account 43a dedicated to the system in which the transaction has been made.
, But does not reduce the cash balance of the ATM 12 itself.

Thereafter, the host 14 transmits a transfer completion message (D4) shown in FIG. 6 to the sales office terminal 13 (S405).
The process ends. The transfer completion message (D4) includes item data necessary for printing a slip. That is, the transfer completion message (D4) includes data such as a reception number, a transaction date and time, and a transaction amount. On the other hand, if at least one item does not match in S403, the host 14 transmits an error message to the sales office terminal 13 (S406), and ends the processing.

As shown in FIG. 4B, when the transfer completion message (D4) is normally received by the branch office terminal 13 (S303), the control unit 36 of the branch office terminal 13 makes the printing unit 3
3 is printed out on the slip 33a (S3
04), the process is completed. That is, the result of the above-described entry and journal entry to the customer ledger is printed on the slip 33a, and it is checked whether the operation is correct. By transferring the amount of money already deposited in the system-dedicated account 43a to the amount processed by the slip 33a, the balance is matched, and the payment process is completed. on the other hand,
If the transfer completion message (D4) has not been received in S303, the control unit 36 of the office terminal 13 determines that the transaction has failed, displays an error message on the display unit 31, and ends the process (S305). Thus, the cash storing process is completed. (2. At the time of payment) Next, a description will be given of a case where the customer receives a process involving payment of cash from the customer, for example, withdrawal / cancellation of a deposit and lending of a loan at the counter. In this case, as shown in FIG. 7A, the teller inputs and operates the operation unit 32 of the sales office terminal 13 based on the slip received from the customer at the counter to determine the fund to be paid (S501). For example, entry of a customer ledger (including a passbook) and journal entry of accounts are performed based on a slip presented by the customer, such as a bill for paying out an ordinary deposit (also a slip). In some transactions in which incidental payments such as interest cancellation and interest tax are caused, such as withdrawal of deposits, the fund to be paid is determined by operating the office terminal 13. Next, the control unit 36 instructs the host 14 to transfer the funds to be paid to the system dedicated account 43a (S502). That is, the transfer instruction message (D11) shown in FIG. 6 is transmitted to the host 14 via the communication control unit 35. The transfer instruction message (D11) includes data such as a transaction amount (payment amount in this case), an ATM identification code, and a cash account.

Here, as shown in FIG. 8, the host 14 sends the transfer instruction message (D11) shown in FIG.
Is received (S601), a password is assigned to the transaction amount specification (S602), and the designated amount is paid into the system dedicated account 43a (S603). Each time the transfer instruction message (D11) is received, this personal identification number is generated by a random number generator or random number generation software so that the personal identification numbers are different from each other. That is, the password is a variable password newly assigned each time a transaction is made.
The host 14 sets the date and time when the transfer instruction message (D11) is received as the transaction date and time, and stores the transaction date and time, the transaction amount and the password in the system dedicated account 43a as the transaction history (S604). After that, the host 14 sends a payment processing completion message (D12) including the notification of the processing completion, the password, the transaction date and time, and the transaction amount data shown in FIG. 13 (S60)
5).

As shown in FIG. 7B, the office terminal 13
Receives the payment processing completion message (D12) from the host 14 shown in FIG. 6 (S50).
3), a variable PIN for withdrawing cash from the ATM 12,
The transaction date and time and transaction amount data are acquired (S504). The office terminal 13 controls the printing unit 33 to print the personal identification number, transaction amount, transaction date and time, etc. on the slip 33a (S50).
5), end the processing. The teller gives the other attendant the ATM payment card 21a and the slip 33a indicating the password and the amount of payment, and instructs the ATM 12 to operate the ATM.
Ask.

As shown in FIG. 9, when withdrawing cash from the ATM 12, the attendant selects the "Payment" menu displayed on the display / operation unit 23 (S701), and the ATM pays.
The payment card 21a is inserted into the card reader 21 (S702). Next, the clerk follows the guidance displayed on the display of the display operation unit 23, and checks the slip 33a.
(S703) by inputting the password (variable password), the transaction amount, and the like by pressing the touch panel of the display operation unit 23.

The ATM 12 displays the amount entered on the display of the display / operation unit 23 (S704), and the attendant performs an operation of "confirmation" if it is correct, and an operation of "cancel" if it is not correct (S705). When the operation of "confirmation" is performed, the ATM 12 notifies the host 14 of the input personal identification number and the transaction amount and instructs the withdrawal. That is, A
The TM 12 transmits the payment instruction message (D13) shown in FIG. 6 to the host 14 (S706), and ends the processing. The payment instruction message (D13) includes a variable password.
On the other hand, when the "cancel" operation is performed in S705, the ATM payment dedicated card 21a is returned to the attendant (S707), and the process is terminated.

As shown in FIG. 10, upon receiving a payment instruction message (D13) from the ATM 12 (S801), the host 14 uses the password included in the message (D13) as a key to store the deposit history of the system dedicated account 43a. The table is searched (S802). Then, an existence check, an amount check, a payment unpaid check, and the like are performed, and only when it is confirmed that all items are true, the payment transaction is recorded as a history (S804). In addition, account 4 dedicated to the system
In 3a, the cash payment amount of the instructed ATM 12 is added and recorded (S805). As a result, ATM1
The consistency with the cash balance in 2 is maintained.

Finally, the host 14 transmits the payment permission message (D14) shown in FIG. 6 to the ATM 12 (S806).
The payment permission message (D14) includes a notice that the payment is permitted and data of necessary items for printing the processing form 24a. On the other hand, in S803, if any of the items such as the existence check, the amount check, and the unpaid check is not true, the host 1
4 transmits an error message to the ATM 12 (S807), returns the ATM payment card 21a to the attendant (S808), and ends the processing.

As shown in FIG. 11, when the ATM 12 receives the payment permission message (D14), that is, the response to the effect that the processing has been correctly performed (S901), the control unit 36 is instructed from the cash storage unit 26 to the cash transfer unit 22. The cash is conveyed, stored and opened (S902). Further, the processing contents are printed on the processing slip 24a and output to the attendant (S903). The clerk gives the designated cash in the cash transfer unit 22 to the customer,
The processing slip 24a output from the payment-only card 21a, the slip 33a and the ATM 12 is sent to the teller. Above,
The cash payment process is completed.

Therefore, according to the present embodiment, the following effects can be obtained. (1) The host 14 is provided with a recording unit 43 for storing cash accounting information processed by the ATM 12 and the branch terminal 13, and a part of the recording unit 43 is a system-dedicated account 43a. All cash transactions that occur at the bank counter are performed through the system dedicated account 43a, and all cash deposits and withdrawals are made using ATM12.
It is performed in. Since the cash is stored in the ATM 12,
The security of cash is ensured without installing a robust safe. That is, the ATM 12 is used as a substitute for the safe.
In addition, since there is no need to install a robust safe, it can respond to downsizing of stores, and in-store branches where bank stores are located in stores of different industries / business types such as shopping centers. A store-in branch, a mobile store, and the like in which a store of a business type is provided can be constructed.

(2) At the time of cash storage, the processing form 24a issued from the ATM 12 is used as a form for business processing, and the receipt number is randomized by a predetermined algorithm. At the time of processing at the office terminal 13, the processing slip 2
4a, the transaction number, the transaction date and time, and the host 14
Was made to collate with the transaction history recorded in. That is,
The receipt number of the processing slip 24a serves as an identification means in the record of payment into the system-dedicated account 43a, and is calculated by a predetermined algorithm, so that forgery and falsification are difficult. Therefore, the security of the cash in the ATM 12 can be improved.

(3) At the time of cash payment, cash is paid from the ATM 12 by using the personal identification number (variable personal identification number) given by the ATM payment card 21a and the host 14 as a key. The operator of the ATM 12 can withdraw cash from the ATM 12 by inserting the ATM payment card 21a into the card reading unit 21 of the ATM 12 and inputting a password from the display operating unit 23 of the ATM 12. For this reason, the security of cash can be improved.

(4) At the time of storing the cash, the cash deposited from the ATM 12 was once deposited into the system dedicated account 43a, and then transferred and withdrawn by operating the office terminal 13. Further, at the time of cash payment, the funds to be paid are once transferred to the system-dedicated account 43a by operating the branch office terminal 13, and thereafter, the cash to be paid and transferred to the system-dedicated account 43a by operating the ATM 12, and cash is paid. I did it. That is, all cash deposits and withdrawals are made via the ATM 12, and all the cash is stored in the ATM 12. Therefore, the ATM 12 can be used as a substitute for the safe. Unlike the case where a robust safe is provided, it is possible to cope with the downsizing of stores without compromising the security of cash.

(5) In the cash accounting system 11,
All cash deposits and withdrawals are made through the system dedicated account 43a. In other words, various slip processes generated at the bank counter are always performed while checking the balance with the system dedicated account 43a. For this reason, unprocessed, unprocessed, and miscalculations are unlikely to occur, and if the balance of the system-dedicated account 43a is zero, such as at the time of closing, the bill has been correctly processed on the account. Therefore, only by checking the balance of the system dedicated account 43a, it can be determined whether or not the slip received at the counter has been correctly processed.

The above embodiment may be modified as follows. -As shown in FIG. 12, ATM 12 and branch office terminal 13
May be mounted on a truck vehicle 91 or the like, and banking may be performed in the vehicle 91. In other words, a traveling store is constructed to perform a traveling business. For tasks that cannot be handled by the ATM 12, it is possible to use a narrow space in the vehicle and to provide a service close to a normal sales office. Also,
By using the ATM 12 as a safe, cash security can be sufficiently ensured.

In this embodiment, the communication between the ATM 12 and the host 14 and the communication between the sales office terminal 13 and the host 14 are performed via the dedicated communication line 15, respectively. That is, as shown in FIG. 12, satellite communication using the parabolic antennas 92a and 92b, the communication satellite 93, and the like, PHS, and wireless communication such as a mobile phone may be used. The radio is less affected by a ground disaster, and can improve the reliability of communication.

As shown in FIG. 13, one or more A
The TMs 12 may be grouped into one group and managed collectively on a group basis. For example, in the case of a general office, one ATM 12 for one store is grouped. Further, when the business place is different from the mother store, such as a mobile store, the mother store and the mobile store are separated, and cash management such as balance inquiry is performed independently. In this way, cash management can be performed efficiently.

In the present embodiment, the cash received from the customer is deposited in the ATM 12 in real time, but may be arranged as follows. That is, when cash received from the customer does not change, the teller temporarily stores the cash received from the customer at the counter and completes transactions such as deposit and payment. Then, the teller deposits the cash kept at hand after the customer opens the store into the ATM 12. In this way, customer service can be performed without any difference from a normal counter. However, when a change occurs, a clerk other than the teller deposits the designated amount into the ATM 12 and withdraws the change from the ATM 12 and hands it to the customer.

In this embodiment, the ATM 1 of the bank
Although the cash accounting between the 2-host 14 and the business office terminal 13-host 14 is performed, it may be used for cash accounting at a financial institution other than a bank such as a credit company. Even in this case, the same effects as the effects (1) to (4) of the present embodiment can be obtained.

In this embodiment, when cash is paid, A
The cash is paid from the ATM 12 using both the TM payment card 21a and the password (variable password) as keys, but the ATM payment card 21a may be omitted. The operator of the ATM 12 inputs the personal identification number from the display / operation unit 23 of the ATM 12 and inputs the amount of money.
Cash can be withdrawn from TM12. Even in this case, the security of cash can be improved.

Next, technical ideas other than the claimed invention which can be grasped from the embodiment will be described below together with their effects. An automatic teller machine for depositing and withdrawing cash and storing cash, and having a cash storage function, an online terminal,
A cash accounting system that is connected to the automatic teller machine and the online terminal by communication means, and includes a host computer provided with an account storage means for the automatic teller machine, wherein the host computer has cash Based on the cash transaction request from the automatic teller machine or the online terminal, the acceptance processing permission is sent to the requesting device, and the account transfer instruction data including the acceptance processing permission is sent from the device that does not send the cash transaction request. A cash accounting system that matches the account of the account in the account storage means based on the transfer instruction data.

[0055]

According to the first aspect of the present invention, by using an automatic teller machine instead of a safe, cash security can be ensured without providing a robust safe.

According to the invention described in claim 2, according to claim 1
In addition to the effects of the invention described in (1), forgery and falsification of the processing slip can be made difficult. According to the invention described in claim 3, in addition to the effects of the invention described in claim 1 or 2, the security of cash can be improved.

According to the invention set forth in claim 4, according to claim 1,
In addition to the effects of the invention described in any one of the third to third aspects, the automatic teller machine can be managed efficiently. According to the fifth aspect of the present invention, the security of cash is sufficiently ensured without providing a robust safe, and it is possible to cope with downsizing of stores.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a cash accounting system.

FIGS. 2A and 2B are flowcharts showing processing in an ATM when storing cash.

FIG. 3 is a flowchart showing processing in the host when cash is stored.

FIGS. 4A and 4B are flowcharts showing processing in a branch office terminal when storing cash.

FIG. 5 is a flowchart showing processing in the host when cash is stored.

FIG. 6 is a diagram showing transmission and reception of messages between an ATM and a host, and between a branch office terminal and a host.

FIGS. 7A and 7B are flowcharts showing processing in a branch office terminal at the time of cash payment.

FIG. 8 is a flowchart showing processing in the host at the time of cash payment.

FIG. 9 is a flowchart showing processing in the ATM at the time of cash payment.

FIG. 10 is a flowchart showing processing in the host at the time of cash payment.

FIG. 11 is a flowchart showing processing in the ATM at the time of cash payment.

FIG. 12 is a block diagram showing a configuration of a cash accounting system according to another embodiment.

FIG. 13 is a block diagram showing a configuration of a cash accounting system according to another embodiment.

[Explanation of symbols]

11 cash dispensing system, 12 automatic teller machine (AT
M), 13: Online terminal for processing reception counter business (sales office terminal), 21a: Card dedicated to ATM payment, 14: Host computer, 15: Communication line (communication means), 2
5 communication control unit, 33a slip, 35 communication control unit, 4
1 Communication control unit 43 Recording unit 43a Account dedicated to the system (storage means).

Claims (5)

[Claims] 1. An automatic teller machine for making and receiving cash, storing cash, and sending cash information in accordance with cash deposit and withdrawal, and sending out the cash information for the cash automatic teller machine. The online terminal is connected to the automatic teller machine and the online terminal by a communication means, and is provided with storage means for combining the cash accounting information from the automatic teller machine and the online terminal and storing the cash information. Cash dispensing system using an automatic teller machine including a host computer. 2. At the time of cash storage, a processing slip issued from an automatic teller machine is used as a paperwork for office work, and the receipt number is randomized by a predetermined algorithm. 2. The cash accounting system using an automatic teller machine according to claim 1, wherein the receipt number, the transaction amount and the date are collated with the transaction history recorded in the host computer. 3. The automatic teller machine according to claim 1 or 2, wherein cash is paid from the automatic teller machine using cash-only card and a password provided from the host computer as a key at the time of cash payment. Cash accounting system used. 4. The automatic teller machine according to claim 1, wherein one or more automatic teller machines are grouped into one group and managed in units of groups. Cash accounting system used. 5. In the cash accounting method, at the time of cash storage, cash deposited from an automatic teller machine is temporarily deposited into an account dedicated to a system of a host computer, and then withdrawn by operating an online terminal. , The funds to be paid are temporarily deposited into the system dedicated account by operating the online terminal, and thereafter, the funds to be paid for the system dedicated account are withdrawn by operating the automatic teller machine, and the cash is paid from the automatic teller machine. A cash accounting method using an automatic teller machine.