JP2002092316A - Managing system of stored cash of automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new managing system capable of largely reducing the running cash amount by making efficient the changeover work of a cash storing cartridge of each ATM. SOLUTION: This managing system is provided with a host computer 301 in a cash transporting institute that manages a deposit from a financial institute 2 and supplies or recovers cash so that each of many ATMs 1 stores a predetermined mount of cash, and a host computer 201 in the financial institute that is connected to each ATM 1 through communication lines and receives stored residual data transmitted from the ATM 1. The host computer 301 and the host computer 201 are interconnected through the communication lines to provide a communication network for managing ATM stored cash. The host computer 301 in the cash transporting institute has a schedule determining means for determining a schedule for supplying or recovering the cash of each ATM based on the stored residual data of the ATM, and the ATM has an automatic detailed survey means of the stored cash in its cash storing part.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention
The present invention relates to a management system for cash stored in a depositing machine (hereinafter referred to as “ATM”).

[0002]

2. Description of the Related Art In recent years, automatic cash dispensing / depositing systems using ATMs have often been installed in many places in an unmanned store system.
There is a problem that the burden of managing the cash stored in the ATM is large.

For example, in a conventional general management system,
Since the cash storage cartridge is replaced for each ATM, an old cartridge is collected and a new cartridge is mounted on each ATM.

[0004] However, this method has problems that the procured funds are large and that the transportation of the cash and the replacement of the cartridge are difficult, and the labor and cost are increased.

[0005] The problem will be described by way of example with reference to FIG. 6. Assuming that one financial institution has 100 ATMs.
If 0 units are deployed and, for example, cash storage of 10 million yen is performed per ATM and cartridge replacement is performed every week, 10 million yen × 1000 units × 2 = 200
Billion yen of funding is needed every week. In this case, the burden on the financial institution performing the work for this and the cash transportation facility (generally also serving as security) that actually carries out the work of exchanging the cartridge under the consignment is heavy, and the cost is considerable. There is. For example, a financial institution carries out a remittance procedure every Monday to a plurality of offices of cash transportation facilities nationwide (policy offices: for example, about 100 places), and further, a cartridge is provided for each of a large number of ATMs handled by each security office. It is necessary to carry out a procedure for requesting the necessity of exchange and the amount of cash to be stored.

[0006] In addition to the fact that about 1000 scrutiny sheets are sent from each police office every Thursday, financial institutions issue ATM checklists on Fridays, and checklists and scrutiny tables for each ATM. It is necessary to perform the work of collating.

[0007] However, these operations are extremely complicated, and human errors are unavoidable in these operations performed manually, and when there is a mismatch in the collation results, an enormous amount of time is required for the investigation. There is a problem that it costs.

[0008] In addition, the amount of checklists and inspection tables becomes enormous, and it is not easy to secure a place for storing them.

[0009] Separately, on a day of the week when cartridge replacement is concentrated, an extremely large amount of cash work is performed, but it is not easy to secure personnel for this.

Therefore, it is conceivable to average these operations by distributing them to each day of the week. However, in practice, since the actual operating state of each of the many ATMs deployed is not average, the operations are deployed to a plurality of locations. It is possible to simply disperse the working days of each ATM cartridge replacement work by region.
Cannot be adopted simply because the actual operation status of the system is ignored.

Further considering this problem, even if a large number of ATMs can be cartridge-replaced for each day of the week, for example, by dividing them into regions, it is inevitable to secure personnel in accordance with the day of the week when the amount of work is the largest. Since there is no work load, personnel are wasted on days when the workload is relatively small, which leads to a problem that efficient use of personnel is not possible due to system operation.

In addition to the above problems, there is a problem that overlapping funds are required between the remittance of the financial institution and the collection from the cash transport. That is, approximately the same amount of operational cash (total of 20 billion yen) is required in addition to the above-mentioned ATM stored cash of, for example, 10 billion yen, and the more circulating cash in operation, the more strict security measures such as security are required. In a financial institution, it can be said that money itself is a product, so it is extremely wasteful to have a large amount of cash that is treated independently of customers and produces no profit .

[0013]

An object of the present invention is to provide a new ATM (automatic cash dispensing / depositing machine) which solves the above-mentioned problems.
The purpose of the present invention is to provide a cash management system.

That is, the inventor of the present invention has found that the problem of the conventional method described above is that the information indicating the actual operation status of a large number of ATMs indicates that the operation of exchanging the cartridge storing the cash of each ATM is not informationally. We thought that it was separated and operated separately and independently. Therefore, information on the actual operation status of each ATM is taken into the operation of replacing the cartridge, and instead of simply replacing the cartridge storing the cash, the operation of transporting and replenishing / collecting the cash can be performed in a timely manner. The present invention is thought to be able to provide a new ATM storage cash management system, and has conducted various studies and studies to arrive at the present invention.

Another object of the present invention, in addition to the new proposals proposed above, is to make the operation of replacing the cartridge storing the cash of each ATM more efficient and not only to improve it, but to actually improve it. Significantly increase the amount of cash used (for example, 1
/ 10 to 1/100).

It is a further object of the present invention to provide an
The amount of cash to be transported to the United States is extremely low, thereby reducing the security burden associated with cash transportation.

[0017]

The present invention for achieving the above object has the following constitution. (1) It manages a financial institution and a deposit deposited from this financial institution, and manages the cash in a timely manner so that a predetermined range of cash is stored in a large number of ATMs (automatic cash dispensing and depositing machines). A cash transport facility for carrying out the transport and replenishment / collection operations using the deposit as a fund, a transport-side host computer provided in the cash transport facility, a cash storage unit and a cash payout / deposit / acceptance unit, A recording unit that records the amount of stored cash and automatically counts the amount of cash to be sequentially paid out and deposited, and sequentially records the remaining balance data of the cash storage unit, and transmits the recorded remaining storage data via communication means. A large number of ATMs each having transmission means for performing the above operation, these ATMs are used as server-side terminals, connected to the ATMs through communication lines, and receive the stored balance data transmitted from each ATM. A financial institution host computer, and connecting the transportation institution host computer and the financial institution host computer through a communication line, thereby enabling communication between the financial institution and the cash transportation institution for managing cash stored in each ATM. A network is constructed, and the financial institution side host computer has transmission means for transmitting the remaining balance data transmitted from each ATM to the transportation institution side host computer. The ATM has schedule determining means for deciding a schedule of cash transportation and replenishment / collection for each ATM of the cash transport institution based on the cash balance data of each ATM received from the financial institution side host computer. Automatic scrutinizer for scrutinizing cash stored in storage Management system of the ATM storage cash, characterized in that it comprises a. (2) The transporting host computer is connected to input means for inputting the amount of the scrutiny result, and comparing means for comparing the input amount of the scrutiny result with the cash balance data received from the financial institution host computer. The management system for cash stored in an ATM according to the invention (1), comprising: (3) The invention according to the above-mentioned invention (1) or (2), wherein the stored balance data of each ATM transmitted from the financial institution side host computer to the transportation institution side host computer includes ticket type data. ATM storage cash management system.

In the above-described management system of the present invention, the work of the cash transport organization for actually transporting and replenishing / collecting the cash to the ATM is performed, for example, by the main cash transport organization (for example, its central center) and the host computer on the transportation organization side. A “central host” will be set up to centrally manage the deposits and information sent from financial institutions at this central center, while cash transport branch offices (hereinafter referred to as “businesses”) will be established for each prefecture. Place))
A centralized management system that creates and instructs the work schedule of cash replenishment / collection from the central center to each ATM and remits cash, and forwards the deposit and the above information to each business office via the central center in advance (cash Division management and provision of access to information), and cash management of the deposits remitted separately for each business location, and a work schedule for cash replenishment / collection to each ATM based on the above information For example, various selections can be made in consideration of the scale and efficiency.

In each of the above inventions, "financial institution"
Although not limited, refers to an organization that lends and accepts money, such as a financial company, and a "cash transportation agency" generally has both security and other functions to transport and manage cash. Refers to an organization such as a company that performs such operations. In addition, an “automatic cash dispensing / depositing machine” generally referred to as an ATM refers to a device in which a customer dispenses and deposits cash using a card, a passbook, or the like.

[0020]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS First Embodiment FIG. 1 shows an overall outline of a management system according to a first embodiment of the present invention. In FIG. 1, a line indicated by a solid arrow indicates the movement of an object. , And dotted-line arrows indicate routes for transmitting and receiving information.

In the system of this embodiment, a cash transport company (one of cash transport institutions) receives a deposit from a financial company (one of financial institutions) 2 and a host computer of the financial company (hereinafter, referred to as a cash computer). From "financial company host") 201,
Payment / deposit information A of each ATM (contents will be described later)
Can be obtained by the local computer 401 of each business establishment 4 via the center host 301, and a cash transport company (one of cash transport institutions) from the financial company 2
The deposit deposited in the central center 3 of the central center 3
In this way, a remittance management system is provided in which each business establishment 4 can transfer and replenish / collect a cash schedule for each ATM 1 assigned to each business establishment 4 in advance. This will be described below.

First, the configuration of the ATM 1 will be described with reference to FIG. 2 and FIG. 3. This is because a customer uses a card or a passbook to pay out and deposit cash, a receiving unit such as a card or a passbook, and a cash storage unit. A cash dispensing / receiving unit (both not shown) for storing dispensed or deposited cash, a storage cartridge box 101 for storing cash to be dispensed and deposited cash, and control for controlling operations performed in the ATM 1 A control device 102 having a recording unit 1022 for storing a work record and a printer 10 for printing out information stored in the recording unit 1022
3. A transmission unit 104 for transmitting the same information to the financial company host 2 at the central center, which is a financial company host computer, via a communication line. The storage cartridge box 101 is provided with a reject box 1013 for storing a note type (for example, a 5,000 yen note) that is not suitable for payout or a dirty one.

The storage cartridge 101 of the ATM 1 according to the present embodiment has a ten-note storage room 1011 and a ten-note storage room 1012 for storing ten-thousand and ten-thousand-yen tickets, respectively. Can be smoothly withdrawn / deposited or replenished / collected.

Further, the ticket type is set so that the number of yen tickets (the total amount of reject boxes) stored in the above-mentioned ten-note storage room 1011, thousand-note storage room 1012 and reject box 1013 can be automatically inspected. A sheet count device 1014 is provided.

Since the ATM 1 of this embodiment has the above-described configuration, the recording of cash withdrawal or deposit with customers is performed by the recording unit 10 every time the operation is performed.
22, and the recorded information is used as follows.

That is, first, the record information is transmitted to the financial company host 2 via the transmission unit 104, and the central center of the financial company performs an appropriate operation that needs to be performed based on the received information. Can be.

Secondly, the record information recorded and stored in the recording unit 1022 of the ATM is used for the work of automatic inspection within the ATM which is performed at the time of cash replenishment / collection work performed by a cash transport company to be described later. That is, the content of the recording information recorded and stored in the recording unit 1022 (hereinafter, referred to as a “mechanical scrutiny theoretical value” mechanically recorded in this specification) is A
It is one of the comparison information used at the time of automatic inspection in TM,
As a result of the actual cash accounting operation (the operation of actually counting the cash stored in the storage cartridge using an artificial or highly reliable device) after the cash replenishment / collection work performed by the cash transport company Obtained "actual inspection value"
Used for matching with Specifically, if these theoretical values and the actual inspection values match, it is confirmed that no problem has occurred in the system. This is because it is necessary to perform verification work. More specifically, the cash transport company has
In this example, when performing the operation of replenishing / collecting the cash to the TM1, in the present example, the above-described theoretical value of the machine inspection performed by the printer 103 using the recording information recorded and stored in the recording unit 1022 of each ATM 1 is used. By comparing the actual inspection value returned to the office or the like with the actual inspection value and confirming the coincidence, it is possible to know whether or not the management of the cash stored in the ATM by the system of this embodiment is effectively operated. This automatic inspection in ATM has an extremely excellent effect on the operation of this system, which will be described later.

Next, the financial company host (financial company host computer) 201 provided in the financial company will be described.

This financial company host 201 stores each ATM 1
, And sequentially receives records of cash withdrawal and deposit made with the customer from each ATM 1. The financial company host 20
In 1, the “information sequentially received” may be for each individual work or may be information collected for each business day that is grasped at the end of the ATM operation on a business day. In general, the information required by the ATM cash management system of this example is sufficient if the information is summarized on a business day basis, and the information processing speed is reduced by reducing the amount of information. In the operation of the system of the present embodiment, the information of cash payout and deposit for each business day is used as the information.

The received record information (therefore, AT
The specific contents of the recording information recorded in the recording unit 1022 of M1) are representatively shown in FIG.

That is, in this example, the number of payouts and the number of deposits of each ticket type at the end of the ATM operating time on a business day are recorded, and the remaining amount stored in the storage cartridge 101 is calculated. The result is recorded as the total balance. Also, other necessary information is recorded. FIG. 4 shows a preferred mode when the above-described theoretical value of machine scrutiny is used, and is shown in a form for use. Need not be. Further, if the above information is the balance information A necessary for the operation of this system, separately from this, information necessary for the financial company, for example, information and amount of customers paid out and deposited on the business day. (Hereinafter referred to as "customer-specific information B") is also transmitted / received from the ATM 1 to the financial company host 2 of the financial company. In the description of this example, the latter customer-specific information B needs to be particularly described. Therefore, in the following description, the balance information A necessary for operation of the present system is simply referred to as “balance information”.

Next, the relationship between the financial company 2 and the central center 3 of the cash transport company will be described. These institutions are linked and established as follows.

That is, in order to replenish / collect the cash stored in the ATM storage cartridge box 101 without interfering with the actual business, the work of the cash transport company that transports the realized money is indispensable. Conventionally, in order to actually perform this work, a storage cartridge in which the stored cash fluctuates due to the actual operating state of dispensing and depositing is stored in a new storage in which the stored cash amount is fixed at a fixed interval. At the same time, the storage cartridge before replacement is collected together with the cartridge, and the realized money actually stored in the storage cartridge before replacement is counted (manually counting work) and closely examined.

On the other hand, in the management system of this example, A
By adopting the automatic inspection within the TM, and each ATM
The operation of replacing the cartridge is abolished by grasping the storage status of the cash inside, and the necessary replenishment and the work of collecting extra cash (replenishment / collection work) are performed.

By such a change of the working mode, the following extremely excellent effects can be obtained. : Compared with the conventional method in which the storage cartridge 101 is exchanged regardless of the fluctuation of the cash prepared for storage in the storage cartridge 101, the system of this example is more or less in accordance with the fluctuation state of the cash prepared for storage. The amount of cash to be transported can be greatly reduced because it is sufficient to replenish or collect the amount. : Such replenishment / collection according to the fluctuation of stored cash,
It can be realized by grasping the cash storage status of each ATM 1 and using that information using an unconventional method. : By transporting only the variable amount of cash and replenishing it, or by collecting extra cash, the cash transport company transports it to each ATM1 (preparing and transporting it for replenishment, or The amount collected and returned) can be extremely small (several tenths to one-hundredths) compared to the conventional storage cartridge box exchange method, and is extremely excellent in terms of safety during cash transportation. ing. : In addition to the above-mentioned advantages, from the viewpoint of the management system for cash stored in ATMs, the effect of significantly reducing the amount of cash prepared by a cash transport company, which is necessary for operation to manage the realized money of this system. There is.

That is, in the method of exchanging the storage cartridge box without considering the fluctuation state of the cash in the ATM,
The cash before the exchange and the cash after the exchange were required for the operation of the system. On the other hand, according to the system of the present embodiment, which replenishes / collects only the amount of change in cash in the ATM, the amount of change is extremely small as described above (several tens of minutes, except for exceptional cases). In most cases, the amount of cash to be transported or replenished / recovered is extremely small. Therefore, there is an advantage that the amount of the deposit required for requesting the management can be reduced to several tenths to one hundredth compared to the conventional case.

The cash required for operating the present system is deposited in advance from the financial company 2 to the cash transport company 3, and more generally, the upper limit and the lower limit of the deposit are determined. If the limit is exceeded, the deposit will be increased or the deposit will be collected.

Next, a description will be given of the structure of a cash transport company which is one of the parties operating the above-mentioned excellent system.

The organization of the cash transport company in this example includes a central center 3, a center host 301 installed in the central center 3, and a local computer 401 connected to the center host 301 via a communication line. It consists of a number of establishments 4
By knowing the balance information of each ATM, for example, as shown in FIG. 5, it is possible to determine the necessity within an area where one business establishment 4 is designated to perform cash replenishment / collection work. The route of the work schedule of the replenishment / collection work of cash is determined using a sequence program preset in the local computer 401. This schedule includes, for example, extraction of ATMs requiring replenishment / collection work from excess or deficiency of stored cash (excess or deficiency of ticket types), determination of the number of ticket types of cash to be replenished for each extracted ATM, etc. It can be determined by the procedure of setting a route around the ATM, and can be determined without being restricted by fixed conditions such as a day of the week and a fixed period. FIG. 5 shows a number of ATs.
In M1, it shows an example of a route in the case of executing a work of replenishing / collecting cash on a certain day.

The organization of the cash transport company in this example is the headquarters where the central center 301 is set up, and each business establishment 4 is responsible for the cash required for the management of the ATM 1 in the range covered by the deposit. Transferred as part of the money,
The management can be performed within the range of the transferred amount.

Further, the local computer 401 uses the recording information (ATM) of each ATM 1 described in FIG.
5 is received, and the route and its schedule shown in FIG. 5 are set for each business establishment 4.

The route and schedule of the cash replenishment / collection work at each business establishment 4 are determined according to the degree of urgency, for example, by ascertaining the status of fluctuations in the number of thousand yen and ten thousand yen stored cash. Specifically, for example, a comparison is made between the number of bill types that fluctuate frequently and the number of the same bill types stored in the storage cartridge 101 so that there is no shortage or more than necessary. The replenishment / collection schedule is determined so that the same bill type is not stored.

The replenishment / collection work at each business site 4 is performed as follows. That is, according to the schedule set as described above, the ATM 1 for performing the replenishment / collection work on a predetermined day is determined, and the route to go around these ATMs is determined. Then, the amount to be replenished / collected to these ATMs 1 is determined, and in the case of replenishment, cash of the amount is prepared.

When the above preparations are completed, for example, as shown in FIG.
The operation of replenishment / collection for M1 is performed. The ATM
The replenishment / collection operation for 1 is performed, for example, as follows.

First, information on the amount of cash stored in the storage cartridge 101 is printed out by the printer 103 (detailed form 1).

Next, when the ATM 1 needs to be replenished for a predetermined bill type, the bill type prepared in advance for that purpose is replenished. And the printer 103 prints out the inspection result (detailed form 2). At this time, the cash in the storage cartridge box 101 is temporarily transferred to another spare box (not shown) via the ticket number counter.

Next, the cash after the automatic scrutiny is transferred from the spare box to the storage cartridge box 101 according to the ticket type in each storage room (10,000 ticket storage room 1011, 1,000 ticket storage room 1).
012), and the information of the stored cash amount is printed out by the printer 103 in this state (detailed form 3).

As described above, the automatic inspection within the ATM is completed, and in this case, cash is replenished.
The reject box 1013 is automatically inspected for the type of cash and the number of coins stored therein (therefore, the total amount), and the reject box 1013 is replaced with a new empty box, and the old reject box 1013 is replaced.
Is recovered.

The above ATM operation is an example of the operation of collecting and exchanging a reject box and replenishing a 1,000 yen note and a 10,000 yen note. It is work to collect together, but, apart from this,
Various operations are performed, such as when only one of them is collected or replenished, or one is collected and the other is replenished. In this example, the information on the amount of cash stored in the storage cartridge is printed each time the work is performed so that the state of cash storage in the storage cartridge before and after the work can be checked for each work such as replenishment, collection, and scrutiny. It is designed to launch at 103.

The above operation is performed for each AT of the set route.
This is performed for all of M1, and the operation of replenishment / collection for ATM1 is completed.

After completing the replenishment / collection work described above, in each business establishment 4, when cash is collected from each ATM 1, the number of the collected ticket types and the like are manually accounted for and the like. The result is input by an external input device (such as a keyboard). Then, each statement form obtained from each ATM 1 is compared with the remaining balance information per day received via the center host 301 of the cash transport company 3, and if the matching results match, there is no problem in the ATM 1 concerned. Is determined. On the other hand, if the collation results do not match, the information is transmitted to the financial company 2 via the center host 301, and the financial company performs an operation of verifying the cause of the mismatching collation result.

[0052]

As described above, according to the present invention,
By taking in information on the actual operation status of each ATM, a new ATM that allows timely transport and replenishment / collection of cash, instead of replacing the cartridge containing cash for cartridge replacement. A cash management system can be provided, and the actual amount of cash to be transported is limited to the amount of money to be stored in each ATM or only the amount to be collected from each ATM. It is possible to obtain an excellent effect that it is not necessary to transport a large number of cartridges each storing, for example, 10 million yen.

In addition, since the above-described arrangement is used, the cash transport organization can grasp the cash storage status of each ATM, and can formulate a work schedule for transporting and replenishing / collecting cash in accordance with the actual operating status of the ATM. In addition, it is not necessary to perform a cartridge replacement operation every fixed date, and an efficient operation can be performed.

Furthermore, the amount of cash actually transported to each ATM can be extremely reduced, so that the security burden associated with transporting cash can be reduced, and the operating funds can be significantly reduced as compared with the conventional case.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram for explaining an overview of a management system according to a first embodiment of the present invention.

FIG. 2 is a diagram showing an outline of a configuration of an ATM used in the first embodiment.

FIG. 3 is a diagram showing a configuration of a control device 102 in FIG. 2;

FIG. 4 is recorded in the recording unit 1022 of the ATM and used by the financial company host 201 of the financial company 2, the center host 301 of the cash transport company, and the local computer 401 of each office 4 of the cash transport company via communication means. Showing the information of the stored cash of the storage cartridge to be executed.

FIG. 5 is a diagram illustrating an example of a traveling route in a replenishment / collection operation performed by each office of the cash transport company in the first embodiment.

FIG. 6 is a diagram showing an outline of a management system conventionally performed.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... ATM 101 ... Storage cartridge box 1011 ... Ten thousand-yen ticket storage room 1012 ... Thousand-yen ticket storage room 1013 ... Reject box 1014 ... Number-of-sheet-type number counting device 102 ... Control Apparatus 1021 Control part 1022 Recording part 103 Printer 104 Transmission part 2 Financial company 201 Financial company host 3 Cash transport company 301 Center host 4 Business establishment 401 Local computer

Claims (3)

[Claims] Claims: 1. Manage a financial institution and a deposit deposited from the financial institution, and transport cash in a timely manner so that a predetermined range of cash is stored in a number of automatic cash dispensing and depositing machines. A cash transport agency for performing replenishment / collection operations using the deposit as a fund, a transport-side host computer provided in the cash transport agency, a cash storage unit and a cash payout / deposit receiving unit, A recording unit that records the amount of cash and automatically counts the amount of cash to be sequentially paid out and deposited, and sequentially records the remaining balance data in the cash storage unit; and transmits the recorded remaining storage data via communication means. A large number of the automatic cash dispensing / depositing machines each having a transmission means, and these automatic cash dispensing / depositing machines are used as server terminals and connected to this via a communication line, and each automatic cash dispensing / depositing machine is provided. A financial institution host computer that receives the stored balance data transmitted from the depositor, by connecting the transport institution host computer and the financial institution host computer through a communication line, the financial institution and cash Construct a communication network for storing cash of each automatic cash dispensing / depositing machine between transportation means, and the financial institution side host computer stores the remaining balance data transmitted from each automatic cash dispensing / depositing machine. It has transmission means for transmitting to the transportation host computer.
Based on the cash balance data of the deposit machine, cash transfer and replenishment /
Cash having a schedule determining means for determining a collection schedule, wherein the automatic cash dispensing / depositing machine includes an automatic scrutiny means for scrutinizing cash stored in a cash storage unit. Management system for cash stored in automatic dispensing / depositing machines. 2. The transportation-side host computer comprises:
2. An input means for inputting an amount of the scrutiny result, and a comparison means for comparing the inputted amount of the scrutiny result with the remaining cash data received from the financial institution side host computer. The automatic cash dispensing / depositing machine described in the above. 3. The storage balance data of each automatic cash dispensing / dispensing machine transmitted from the financial institution side host computer to the transportation institution side host computer includes ticket type data. 2. The management system for cash stored in the automatic cash dispensing / depositing machine described in 2.