JP2003006698A - System, method and program for treating cash - Google Patents

Abstract

PROBLEM TO BE SOLVED: To evade a situation where a cash treating machine cannot be used by suppressing a cash loading work to the cash treating machine in a busy state. SOLUTION: When the payment denominations of paper moneys and coins exceeding a predetermined amount exist based on the denominations and money amounts which are inputted to the cash treating machine in the case of a payment transaction, the cash treating machine obtains information which expresses the busy state from a managing device. When it is recognized from the information expressing the busy state that the number of transaction waiting people is a fixed number or more or that a busy time period starts from this time on, guidance whether the paper moneys and coins of the denominations exceeding the predetermined amount are paid from a cash box by hand or not is displayed in the display part of the cash treating machine. When information for approving payment by hand is inputted and the paper moneys and coins of the denominations other than payment by hand exist, the small bundle and the bars of the paper moneys and coins are paid from the cash treating machine.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash processing system in a financial institution, and more particularly to a cash processing system, a cash processing method, and a cash processing program in the case of carrying out a transaction in units of small bundles of banknotes or coins of coins. It is about.

[0002]

2. Description of the Related Art In many cases, a business system of a financial institution such as a bank has a transaction acceptance system for customers who visit the store. In this system, the customer pulls out the reception ticket at the reception system of the reception system and waits for the turn, and the person in charge of the window waits for the transaction at the calling device of this reception system after the transaction processing for one customer is completed. When the customer calls the number printed on the ticket he / she has called at the counter, the customer requests the person in charge to process the transaction at the counter.

This reception system allows the sales office to grasp the number of customers currently waiting for a transaction, and
By managing the data of the relationship between the day of the week or time zone and the number of persons waiting for transaction, the management apparatus can grasp the number of persons waiting for transaction and busy status such as busy days and busy hours.
On the other hand, a cash processing machine is connected to the counter terminal of the branch office, and in the case of normal deposit and withdrawal transactions, by operating the counter terminal,
Cash is counted, stored and paid by a cash processing machine connected to this counter terminal, but payment of small bundles of a fixed number of banknotes or strips of a fixed number of coins wrapped in a bar. In the case of transactions that require a large amount of cash, such as transactions requiring a large amount of money, or deposit transactions with large amounts of banknotes and coins, a large cash processing machine installed behind the counter will process the cash. There is.

This cash handling machine can store and pay a larger amount of cash than the cash handling machine connected to the counter terminal. For banknotes, counting and using the stored cash for payment. , Some have a recycling function such as making small bundles and paying, but the storage capacity of cash in the device is naturally limited, and overwhelmingly many devices do not recycle when paying coins. Is the reality.

Further, regarding the withdrawal transaction, the cash management person who receives the request from the person in charge at the window does not make a mechanical payment by the cash processing machine at the rear, but from a cash box different from the cash processing machine. Take out a small bundle of banknotes or a coin bar,
Although it may be handed to the person in charge of the request, in the case of such handling by hand, the accuracy of office work may be reduced, and the time and effort of confirming the cash amount at the receiving side caused by the transfer of cash may be required. Due to inefficiency, cash is processed by mechanical payment by a cash processing machine at the rear as much as possible.

[0006] In the case of manual handling, payment is made in a large bundle (ten small bundles and a large belt is hung) often found in a cash box, or in a case unit (usually 20 pieces) for storing coins. For example, it is relatively easy to handle, but if there are fractions below these units, handling becomes troublesome.

[0007]

However, the above-mentioned conventional techniques have the following problems. In other words, although the cash processing machine at the rear can handle a large amount of cash as compared with the cash processing machine connected to the counter terminal, when a large amount of withdrawal transaction is performed, the remaining amount of small bundles and coins in the device is small. Since it will be considerably reduced, it is often necessary to load small bundles and coins after processing such large withdrawal transactions, which hinders execution of frequent small lot transactions. There is also a problem that the service is deteriorated, and there is also a problem that the service is deteriorated as a result of waiting the user.

[0008] Further, if a certain amount of large transaction is manually paid, as described above, the processing accuracy and efficiency are deteriorated. An object of the present invention is to provide a cash processing system and method capable of solving such a problem, and a program thereof.

[0009]

Therefore, according to the present invention, there is provided a management device which stores and manages information indicating a busy situation such as the current number of customers waiting for transactions and busy hours of a customer who conducts transactions at a counter, and a money management system. It is possible to pay a small bundle of a fixed number of banknotes for each type in a band, and a coin bar in which a fixed number of coins are wrapped in a bar shape for each denomination, and there is a display unit that provides information and guidance necessary for transactions. And a cash processing machine connected to the management device, a small bundle of the banknotes, a large bundle of a certain number of the small bundles, and a cash box storing the coin bar of the coin, and a withdrawal transaction. Sometimes, based on the denomination, the amount of money input to the cash processing machine, when there is a payment denomination of banknotes and coins exceeding a predetermined amount, the cash processing machine displays information indicating a busy situation from the management device. From the information obtained and showing the busy situation, If it is recognized that it is a busy time period that is equal to or more than a certain number or after the present time, the guidance of whether to pay the bills and coins of denominations exceeding the predetermined amount by hand from the cash box is the cash processing. When information is displayed on the display of the machine and approval for hand payment is entered, if there is payment of banknotes or coins of denominations other than hand payment, a small bundle of coins or coins It is characterized by withdrawing money with a processor.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a flowchart showing the first embodiment, FIG. 2 is a system configuration diagram of the first embodiment, and FIG. 3 is a block diagram of a cash processing machine used in the embodiment. First, referring to FIG. 2, in FIG. 2, 1 is a cash processing machine (hereinafter simply referred to as cash processing machine 1) installed behind a counter in a sales office of a financial institution, and 2 is a reception system for customers who visit the sales office. In the management device, this cash processing machine 1 and the management device 2 of the transaction acceptance system
Are connected via a communication network such as a LAN.

As shown in FIG. 3, the cash processing machine 1 includes a main control unit 3, a program memory 4, a data memory 5, a transmission control unit 6, a keyboard 7, a display unit 8, an ID card reader unit 9, and a printer control unit. 10, cash processing unit control unit 11
The cash processing machine 1 is capable of storing and paying a larger amount of cash than the cash processing machine connected to the window terminal. In the case of depositing and withdrawing transactions, the cash processing unit control unit 11 The cash counting, storing, and payment processing are performed via the banknote deposit / withdrawal unit, coin deposit / withdrawal unit, small bundle payment unit, and coin-roll payment unit under the cash processing unit control unit 11. .

The money amount information in each unit is updated at any time in the data memory 5 in accordance with deposit transactions, withdrawal transactions, etc.
In the case of a withdrawal transaction that is stored, when the finalizing operation of the transaction is performed, the amount of money for which the payment is designated is compared with the amount information of the data memory 5 and within the amount range of each unit. If so, payment processing is performed. If there is a deficient denomination, the confirmation operation of the transaction is invalidated, and the guidance is displayed to guide the manual payment operation or the loading operation for paying from the cash in the machine by the guidance display of the display unit 8, Even for large-scale withdrawal transactions, a manual payment operation is guided by the guidance display on the display unit 8 for a certain amount or more of denominations, and the cash management person takes out the cash from the cash box and hands it to the staff at the counter. It will be treated as hand payment.

In the case of payment by hand, after confirming the operation with the cash processing machine 1, a receipt showing the denomination and the amount of money handled by manual payment is printed by a printer (not shown) via the printer controller 10 of the cash processing machine 1. When loading cash into the cash handling machine 1, the withdrawal process of the transaction is restarted after the loading process. Further, the main control section 3 controls the entire cash processing machine 1 based on a program stored in the program memory 4.

On the other hand, the management device 2 stores and manages information indicating the busy status such as the current number of people waiting for transaction and busy hours obtained by the reception system. The main control unit 3 of the cash processing machine 1 is a transmission control unit. Information is transmitted to and received from the management device 2 via the cash processing device 6, and this function allows the cash processing machine 1 to operate.
The management device 2 inquires about information such as the number of people waiting and whether it is in a busy time.

Next, a first embodiment will be described according to the flow chart of FIG. 1 with reference to FIGS. Withdrawal transaction is accepted at the counter, and the cash processor 1 based on the entry contents of the slip received from the customer by the person in charge at the counter.
When an amount and a denomination are input by the keyboard 7 of (S1) and a confirmation operation is performed to confirm the input contents displayed on the display unit 8 (S2), cash processing is performed for each input denomination. The main controller 3 of the machine 1 checks whether or not the condition A is met (S3).

The check of the condition A is to check whether or not there is a large amount of cash of a payment type exceeding a predetermined amount, and in the present embodiment, 10 or more small bundles of banknotes and coins are used. It is set to check whether or not there is at least one denomination of 20 or more coins. As a result of the check, if there is no large amount of cash to be paid, the cash processing machine 1 performs the payment operation (S14), and the transaction processing ends.

When there is a large amount of cash to be paid, the main control unit 3 makes a status inquiry to the management device 2 via the transmission control unit 6 (S5) and waits for reception of the inquiry result. The management device 2 receives the inquiry from the cash processing machine 1 and stores information in the storage means (not shown) indicating the number of customers waiting for the transaction at the present time and the busy status of whether or not the current time is after the busy time. To the cash processing machine 1 (S6), and when the cash processing machine 1 receives the information indicating the busy state, the main control section 3 recognizes the received contents and checks whether or not the condition B is met. (S7).

The condition B is set so as to check whether the number of persons waiting for transaction is equal to or more than a predetermined number, for example, 10 or more, and whether or not the current time point corresponds to at least one of the busy hours. As a result of the check, if there are 10 or more waiters and the present time and thereafter do not correspond to the busy hours, the cash processing machine 1 performs the payment operation as it is (S14), and the transaction processing ends.

When the number of waiters is 10 or more and the present time and thereafter correspond to one of the busy hours, a small bundle of payment denominations of 10 or more banknotes and 20 or more coins and coins are treated as hand payments. Display the confirmation guidance on the display unit 8 (S
8) Wait for confirmation by the operator. When the operator operates the keyboard 7 (S9) and inputs the information indicating that the payment is not to be handled by hand, that is, when the confirmation is not OK (S1
0), the process returns to S1 to perform a payment designation operation in another denomination or an operation such as stopping the process.

When an operation for hand payment is performed (S
9) That is, if the confirmation is OK (S10), all the small bundles of denominations of 10 or more banknotes and 20 or more coins and coins are set to be hand-paid (S11), and the transaction is performed. Confirm and execute withdrawal processing by hand payment. In this case, the cash management person takes out from the cash box a small bundle of coins of 10 or more bills and 20 or more pieces of coins and coins and hands it to the person in charge of the cash (S12). The denomination and the amount of money for the manual payment are printed on the receipt by the cash processing machine 1 (S13), and if there is a payment for another denomination, the payment amount is a small bundle payment unit, a stick of the cash processing machine 1. Withdraw money from the money payment unit (S14).

For example, the designated denomination for payment by the input operation in the above S1 is a 10,000-yen banknote ... 5,000,000 (small bundle of 5) 1,000-yen banknote ... 1,200,000 (small bundle of 12 100 yen coin ・ ・ ・ 40,000 (8 coins) 10 yen coin ・ ・ ・ 13,000 (26 coins), the result of the inquiry from the management device 2 is 10 or more people waiting During busy hours, 1,000 yen banknotes: 1,200,000 (12 small bundles) 10 yen coins: 13,000 (26 coins) are guided to hand payment, other money The seeds are mechanically dispensed by the small bundle payment unit and the coin-roll payment unit of the cash processing machine 1.

According to the first embodiment described above, the following effects can be obtained. Although the frequency of large-scale transactions is low, after the payment of the machine, there are many cases where loading work is required when executing small-scale transactions that frequently occur, and this cash handling machine cannot be used during the loading work. When busy, many customers who make small-lot transactions will have to wait, but according to the present embodiment, bills and coins of a certain amount or more are handled by hand, so that it is possible to perform loading work in a busy state. It is possible to suppress the occurrence of the situation and prevent the cash processing machine from becoming unusable, and it becomes unnecessary to wait for a large number of customers who make small-lot transactions.

Further, since the manual payment is guided only when the number of people waiting for the transaction is large or when the user is busy, it is possible to minimize the accuracy deterioration and the efficiency deterioration due to the manual payment. Next, a second embodiment will be described. The configuration of this embodiment is the same as that of the first embodiment. In the above-described first embodiment, the small bundle of payment denominations for which the banknotes are 10 or more and the coins are 20 or more, and the coins are all handled by hand. In the embodiment, a small bundle of denominations of payment of 10 or more bills and 20 or more coins, 10 coins or 20 coins of coins are treated as manual payments, and the fractional amount is used. A small bundle of coins and a coin-roll are processed by the cash processing machine 1 for mechanical payment.

The processing in this case is performed in the same procedure as in FIG. 1, but for example, the designated denomination for payment by the input operation in S1 is a million yen bill ... 5,000,000 (5 small bundles). ) Thousand yen bills ・ ・ ・ 1,200,000 (12 small bundles) Hundred yen coins ・ ・ ・ 40,000 (8 coins) Ten yen coins ・ ・ ・ 13,000 (26 coins) Then, when the inquiry result from the management device 2 is 10 or more waiting people or during busy hours, 1,000 yen banknotes ... 1,200,000 (10 small bundles) 10 yen coins ... 13,000 (20 coins) will be guided to manual payment, and for two thousand yen bills and six ten yen coins, along with other denominations, a small bundle payment unit of the cash processing machine 1 and a coin payment unit will be used for mechanical payment. Withdraw.

According to the second embodiment described above,
In addition to the effects of the first embodiment, the following effects can be obtained. That is, in this embodiment, the unit of bills and coins to be guided by hand payment is 10 small bundles of bills and 20 coins of coins, and this unit is a unit of storage in a cash box. Since it is a unit of large bundles and coins, the cash confirmation work for hand-paid items can be simplified and improved in accuracy.

If the bills to be paid by hand are bills, a large bundle unit,
Since coins can be handled on a case-by-case basis, such as handling cash at a sales office, it is easy to check the cash amount.

[0027]

As described above, according to the present invention, the payment of a certain amount or more of cash in a large-scale payment transaction with a low frequency of occurrence is handled as hand payment, and the rest is paid by machine by a cash processor. As a result, it is possible to suppress the occurrence of loading work on the cash processing machine in a busy state, avoid the situation where the cash processing machine becomes unusable, and do not have to wait for many customers who carry out small lot transactions. As a result, the effect that the customer service can be improved can be obtained.

In addition, when the number of people waiting for a transaction is large or when the user is busy, it is possible to reduce the accuracy and efficiency by hand payment to the minimum necessary amount. can get.

[Brief description of drawings]

FIG. 1 is a flowchart showing a first embodiment.

FIG. 2 is a system configuration diagram of the embodiment.

FIG. 3 is a block diagram of a cash processing machine according to the embodiment.

[Explanation of symbols]

1 cash processor 2 management device 3 Main control section 4 program memory 8 Display

Claims (5)

[Claims] 1. A management device that stores and manages information indicating the busy status such as the number of customers currently waiting for transactions and busy hours of customers who conduct transactions at the counter, and a fixed number of banknotes for each denomination. It is possible to pay a small bundle of bundles, and a coin bar in which a certain number of coins are wrapped in a bar shape for each denomination, has a display section for performing information and guidance necessary for transactions, and is connected to the management device. A cash processing machine, a small bundle of the banknotes, a large bundle of a certain number of the small bundles, and a cash box storing the coin bar of the coin, and the money input to the cash processing machine at the time of withdrawal transaction. Based on the seed and the amount of money, when there are denominations of bills and coins that exceed a predetermined amount, the cash processing machine acquires information indicating the busy status from the management device, and from the information indicating the busy status, , The current number of people waiting for transactions is above a certain number, or after this time is busy If it is recognized that the payment of bills and coins of denominations exceeding the predetermined amount is to be manually dispensed from the cash box, the guidance is displayed on the display unit of the cash processing machine, and When the information to approve payment is input, if there is payment of banknotes or coins of denominations other than manual payment, a small bundle of the banknotes or coins or a coin bar is withdrawn by the cash processing machine. Cash processing system. 2. The cash processing system according to claim 1, wherein when there is a hand-paid denomination, the entire amount is withdrawn from the cash box. 3. In claim 1, when there are hand-paid denominations, a small unit or a coin bar of a predetermined unit of them is withdrawn from the cash box, and a small amount of the small bundle or coin bar is cash. A cash processing system characterized by withdrawing money by a processing machine. 4. A management device that stores and manages information indicating the busy status such as the number of customers waiting for transactions and busy hours of customers who conduct transactions at the counter, and a fixed number of banknotes for each denomination. It is possible to pay a small bundle of bundles, and a coin bar in which a certain number of coins are wrapped in a bar shape for each denomination, has a display section for performing information and guidance necessary for transactions, and is connected to the management device. In a cash processing method using a cash processing machine, a small bundle of the banknotes, a large bundle obtained by bundling a certain number of the small bundles, and a cash box storing the coin bar of the coin, input to the cash processing machine at the time of withdrawal transaction Based on the denomination and the amount of money, when there are denominations of bills and coins that exceed a predetermined amount, the cash processing machine acquires information indicating the busy situation from the management device, From the information shown, whether the number of people currently waiting for transactions exceeds a certain number If it is recognized that it is a busy time after the time, the display unit of the cash processing machine provides guidance as to whether or not the payment of bills and coins of denominations exceeding the predetermined amount is to be manually dispensed from the cash box. When the information to approve the payment by hand is entered, the banknotes and coins of the banknotes and coins other than the payment by hand are issued by the cash processing machine when the payment of the banknotes and coins is made. A cash processing method characterized by making money. 5. A management device that stores and manages information that indicates the busy status such as the current number of customers waiting for transactions at the counter and busy hours, and a fixed number of banknotes for each denomination. It is possible to pay a bundle of small bundles and a coin bar in which a certain number of coins are wrapped in a bar shape for each denomination, has a display section for performing information and guidance necessary for transactions, and is connected to the management device. A program used in a cash processing system implemented by a cash processing machine, a small bundle of the banknotes, a large bundle of a certain number of the small bundles, and a cash box storing the coin bar of the coin, Based on the denomination and the amount of money input to the cash processor at the time of gold transaction, when there are denominations of bills and coins that exceed a predetermined amount, the cash processor indicates the busy status from the management device. From the procedure to obtain and the information that shows this busy situation, Whether the number of people waiting for transactions currently exceeds a certain number or when it is recognized that it is a busy time period after the present time, whether to pay the banknotes and coins of denominations exceeding the predetermined amount by hand from the cash box If the procedure for displaying the guidance on the display unit of the cash handling machine and the information approving the manual payment is input, if there is a payment of banknotes or coins of a denomination other than the manual payment, the banknotes or coins And a procedure for withdrawing a small bundle or a coin bar by the cash processing machine, and a cash processing program.