JP2002074457A - Cash receipt and disbursement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cash receipt and disbursement system which can receive and pay cash, without requiring troublesome input operations or setting limit on quantity. SOLUTION: Respective teller terminals 11a to 11y are connected to dedicated cash processing machines 13a to 13xy for automatically handling cash within a fixed limit. Furthermore, the teller terminals 11a to 11y can be connected to a common open receipt and disbursement machine 15 via a LAN 14. For example, when the teller terminal 11a needs to handle cash exceeding the fixed limit, rather than the cash processing machine 13, the open receipt and disbursement machine 15 is selected. Consequently, the open receipt and disbursement machine 15 is connected to the teller terminal 11a, and the cash can be handled without limit on quantity through the operation on the teller terminal 11a.

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 in which a cashier takes in and out cash in a financial office such as a bank.

[0002]

2. Description of the Related Art A cash teller system in a financial office such as a bank includes a plurality of teller terminals called teller terminals arranged at each counter where cashiers are present, a cash processor connected to each teller terminal, It has a communication control device for connecting each teller terminal to a host computer. The teller terminal and the communication control device are connected by a LAN (local area communication network), and the communication control device and the host computer are connected via a communication line.

[0003] The cash handling machine is arranged adjacent to the cashier's seat, and is for taking in and out cash corresponding to one or two teller terminals. In the case of the deposit processing, the teller puts the bills and coins into the slot of the cash processing machine, whereby the number of the inserted cash for each denomination is counted, and the deposit data is notified to the corresponding teller terminal. At the same time, the cash input is stored in a safe. In the case of payment processing, the cashier designates the amount of payment and the denomination from the teller terminal, and the designated cash is paid out from the cash machine safe.

[0004]

However, the conventional cash accounting system has the following problems. Since the cash handling machines are arranged adjacent to each cashier's seat, the amount of cash that can be handled at one time is limited.
For example, the deposit processing is limited to about 200 to 300 bills and the coin is limited to about 100, and the payment processing is limited to 100 bills and 50 coins. When handling more cash, an off-line open teller machine or the like is used.

[0005] An open teller machine is equivalent to a common safe provided only in a financial store, and a teller can use his / her own ID (identification) card or the like to reduce the amount of cash deposits and payments. Can be performed without any restrictions. In an open teller machine, in the case of deposit processing, by putting cash into the slot, the entered cash is counted, the number and total amount for each denomination are printed out, and the inserted cash is stored in a safe. It is designed to be stored. In the case of payment processing, the cashier specifies the amount of money and the denomination from the operation panel, thereby paying out the designated cash from the safe, and at the same time the number and total amount of cash paid out for each denomination. The money can be printed out.

The open teller machine is an off-line device not connected to the teller terminal or the like, and the teller inputs the information of the cash put in and out using the open teller machine to the teller terminal manually according to the printout. There is a need to. For this reason, a troublesome input operation is required, and a trouble such as an input error or an input omission has been caused.

The present invention solves the problems of the prior art, and provides a cash accounting system which does not require a troublesome input operation and can deposit and pay cash without limiting the quantity.

[0008]

In order to solve the above-mentioned problems, the present invention relates to a cash accounting system, which includes a plurality of accounting terminals for inputting / outputting transaction information of cash payment and payment, and the accounting terminal. Provided corresponding to the device,
A plurality of cash processing machines for counting cash within a certain range and notifying the cashier terminal device, and dispensing cash within a certain limit specified from the cashier terminal device, and the plurality of cashier terminal devices Is provided in common, and when selected from any one cashier terminal device, the cash input is counted and notified to the cashier terminal device, and the cash specified by the cashier terminal device is paid out. It has a cash machine.

According to the present invention, since the cash accounting system is configured as described above, the following operation is performed. Usually, the cashier uses a cash processor provided corresponding to his / her cashier terminal device to deposit and withdraw cash within a predetermined range. The cash processor counts the inserted cash, notifies the information to a corresponding accounting terminal device, and pays out the designated cash from the accounting terminal device. On the other hand, when the transaction amount exceeds a predetermined range, the teller selects an open teller machine using the teller terminal device. As a result, the selected cashier terminal device and the open cashier are connected, and the cashier and the cashier can be processed from the cashier terminal device to the open cashier without any limitation, and the information of the cashout is notified to the cashier terminal device. Is done.

[0010]

FIG. 1 is a configuration diagram of a cash accounting system showing an embodiment of the present invention. This cash accounting system 10 is installed in a branch of a financial institution such as a bank, and has a plurality of teller terminals 11a,..., 11x, 11y arranged at each window and operated by a cashier. Each of the teller terminals 11a to 11y is connected to a dedicated printer 12a,..., 12x, 12y, and a dedicated or shared cash processing machine 13a,
.., 13xy are connected. For example, teller terminal 1
A dedicated cash processor 13a is connected to 1a, and a shared cash processor 13xy is connected to the two teller terminals 11x and 11y.
Is connected.

The cash processors 13a to 13xy perform cash deposit processing and payment processing. In the case of the depositing process, the teller puts the bills and coins into the respective slots, counts the number of inserted cash for each denomination, and notifies the corresponding teller terminals 11a to 11y of the deposit data. At the same time, the cash input is stored in a safe. In the case of the payment process, the cashier can pay out the specified cash from the safe by specifying the payment amount and the denomination from the teller terminals 11a to 11y.

These cash processors 13a to 13xy include:
It is used by cashiers when handling small amounts of cash, and the amount of cash that can be handled at one time is limited. For example, in the depositing process, 200 to 300 banknotes and 1 coin are used.
It is limited to about 00 bills, 100 bills in the payment process,
There is a limit of 50 coins.

Each of the teller terminals 11a to 11y has L
It is connected to the open cashier 15 via the AN 14. The open teller machine 15 is equivalent to a common safe provided in one office, and has teller terminals 11a to 11y.
According to the selection from, the payment processing and the payment processing similar to those of the cash processors 13a to 13xy can be performed without limitation without limiting the amount of cash.

A communication control device 16 is connected to the LAN 14 and can be connected online via a communication line 20 to, for example, a host computer 30 installed at a head office.

Next, the operation of the cash accounting system shown in FIG.
(1) Payment processing, (2) Payment processing, and (3) Deposit management processing will be described separately. (1) Payment processing The teller terminal of the teller terminal 11a determines whether to accept it with the cash processing machine 13a or the open teller machine 15 according to the amount received from the customer.
Use to select one or the other. For example, if the limit of the cash handling machine 13a is over 2 million yen, the cashier selects the open cashier 15. As a result, a selection signal for the open cashier 15 is provided from the teller terminal 11a to the open cashier 15 via the LAN 14. At this time, if the open cashier 15 is not in use,
Information indicating that payment is possible is transmitted to the teller terminal 11a.
Occupied by teller terminal 11a. If the open teller machine 15 is in use by another teller, information to that effect is transmitted to the teller terminal 11a.

The cashier puts the cash received from the customer into the open cashier 15. The inserted cash is counted by the open teller machine 15, and payment data such as the quantity for each denomination and the total amount is transmitted to the teller terminal 11a. The deposit data is processed by the teller terminal 11a, printed out as a deposit slip from the printer 12a, and recorded as a journal in the teller terminal 11a. It should be noted that the deposit slip and the journal are provided with an identification code for distinguishing whether the deposit has been made to the cash processor 13a or the open cashier 15.

(2) Payment Processing The teller of the teller terminal 11a transmits a payment request from a customer to the host computer 30 to make a balance inquiry.
After confirming the balance, depending on the amount of payment and designation of denomination, etc.,
It is determined whether to pay out from the cash processing machine 13a or from the open cashier 15 and one of them is selected by the teller terminal 11a. For example, if the payment limit of the cash handling machine 13a is exceeded, the cashier instructs the open cashier 1 by designating the amount of money to be paid, the denomination and the quantity thereof according to the customer's request.
Select 5.

As a result, a selection signal for the open cashier 15 is given from the teller terminal 11a to the open cashier 15 via the LAN 14. At this time, if the open teller machine 15 is not in use, information indicating that payment is possible is transmitted to the teller terminal 11a.
5 is occupied by the teller terminal 11a until the payment process ends. If the open teller machine 15 is in use by another teller, information to that effect is transmitted to the teller terminal 11a.

The teller reads the ID card or the like into the open teller machine 15 to confirm the identity. Thereby, the cash designated by the teller terminal 11a is paid out from the open cashier 15.

Payment data such as the amount of cash paid out and the number of each denomination is processed by the teller terminal 11a, printed out as a payment slip from the printer 12a, and recorded as a journal in the teller terminal 11a. You. It should be noted that the payment slip and the journal are provided with an identification code for distinguishing whether the payment has been made from the cash processing machine 13a or from the open cashier 15.

(3) Equity management process For example, an inquiry is made from the teller terminal 11a to the open cashier 15. By this, open cashier 1
In 5, the information of the quantity for each denomination held is tabulated,
Output to the teller terminal 11a. Further, the teller terminal 11
A detailed inquiry table is created by referring to the price of other teller terminals from a and summing up the price of each teller terminal in the branch office.

As described above, the cash accounting system of the present embodiment has the open cashier 15 to which each of the teller terminals 11a to 11y can be connected via the LAN 15. As a result, even if the amount of money exceeds the limit of the cash processing machines, the cash processing machines 13a to 13 can be operated without being restricted by the amount of money handled by selecting the open cashier 15.
As in the case of xy, the payment processing and the payment processing can be automated. Therefore, the operation of the cashier can be labor-saving, and the possibility of erroneous handling can be eliminated. Furthermore, since the amount of cash in the sales office can be centrally grasped, there is an advantage that even if a trouble should occur, it is easy to find the cause.

Note that the present invention is not limited to the above embodiment, and various modifications are possible. For example, there are the following modifications (a) to (d). (A) The cash accounting system of FIG. 1 includes one open accounting machine 15, but depending on the size of the branch,
A plurality of open teller machines 15 may be connected to the LAN 14.

(B) Teller terminal 11 in the sales office in FIG.
a to 11y and the open teller machine 15 are bus-type LAN1
5, but the connection form is not limited to this.

(C) Teller terminals 11a to 11y in FIG.
Although all of them are of the same rank and can be controlled overall, a control device for controlling the plurality of teller terminals 11a to 11y, the open cashier 15, and the communication control device 16 in the office may be provided. Moreover, you may classify | categorize into the main teller terminal which has the function of the whole control, and the slave teller terminal which does not have the whole control function.

(D) Although it has been described that the open cashier 15 is selected when the transaction amount or the like exceeds the limit of the cash processing machine 13, the open cashier 15 can be selected even within the limit. Thus, when the dedicated cash processing machine 13 of the teller terminal 11 breaks down, the open cashier 15 can be used as its spare machine.

[0027]

As described above in detail, according to the present invention, when selected from a specific accounting terminal device, the inserted cash is counted and notified to the accounting terminal device. It has an open cashier that pays out specified cash from the device. As a result, it is possible to automatically handle cash without the need for a troublesome input operation and without any restrictions on the amount of money and the like, and it is possible to prevent trouble due to wrong handling.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a cash accounting system showing an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Cash teller system 11a-11y Teller terminal 12a-12y Printer 13a-13xy Cash processor 14 LAN 15 Open teller machine 16 Communication controller 20 Communication line 30 Host computer

Claims (1)

[Claims] 1. A plurality of cashier terminals for inputting and outputting transaction information of cash deposits and payments; A plurality of cash processors that notify the cashier terminal device and pay out cash within a specified limit specified from the cashier terminal device, and are provided in common with the plurality of cashier terminal devices.
An open cashier that counts the cash input and notifies the cashier terminal when selected from the two cashiers, and dispenses the designated cash from the cashier terminal. Characterized cash accounting system.