JP2003256904A - Processing system of teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the utilization efficiency of a teller machine. <P>SOLUTION: A teller inputs reserved data for deposit/payment from terminal equipment installed on a place separated from the teller machine, which accesses the reserved data and practically deposits/pays out cash at the idle time of the teller machine. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cashier processing system for managing cash deposits and withdrawals in a branch of a financial institution such as a bank.

[0002]

2. Description of the Related Art In a store of a financial institution such as a bank, a cashier is provided as a cash processing machine for managing cash deposits and withdrawals in the entire store. In the past, such a teller machine was exclusively operated by a cashier, but in recent years, a person in charge of a window or a person in charge of public relations has come to operate the cashier by himself or herself to perform desired processing.

[0003] For example, the person in charge of the counter makes a withdrawal by turning cash to the depositing / dispensing machine at the counter, or makes a deposit withdrawing from the depositing / dispensing machine at the counter, and the person in charge of public relations withdraws to the destination. It is designed to process and deposit cash brought back from outside parties. In this way, in recent years, since each person in charge operates the teller machine without the intervention of the person in charge of telling, it has come to be called an "open teller machine", as shown in FIG.
Teller machines have generally come to be installed outside the teller room in the back of the counter of the sales office.

On the other hand, a cashier manages the amount of money when he / she directly deposits and withdraws money from a cash machine for large-scale deposit / withdrawal transactions, pays cash with his / her cash, or pays cash to a vault. The cash management is used to manage the amount of money to be transferred in and out.

Further, the cashier manages the operating state of the cashier, and if the cash in the cashier is excessive or shortage, replenishment / replenishment
It was being collected.

[0006]

However, in many banks' stores in recent years, the cashier's room is often constructed in a separate room that is completely invisible from each part of the store. There was a problem that the high could not be monitored.

[0007] In this situation, the cashier must go to the cashier for the deposit and withdrawal processing accompanied by the cash processing that is accepted by the cashier in the conventional manner.
Since the teller machine cannot be seen directly from the teller room, when the person goes to the teller machine, it is often in use by another person in charge, which causes a problem of poor work efficiency.

[0008] In such a case, the cashier does not go to the teller machine but inputs reservation data for deposit / withdrawal from a terminal device located away from the teller machine, and the actual cash deposit / withdrawal at the teller machine is If it can be done in the spare time of the teller machine, the work efficiency will be improved. Further, if the operating state of the teller machine can be monitored from the terminal, the work efficiency is further improved.

The present invention has been made in view of the above circumstances, and an object of the present invention is to make a deposit / withdrawal reservation data from a terminal located at a place away from the teller machine without the teller staff going to the teller machine. An object of the present invention is to provide a processing system of a teller machine that allows input and actual cash deposits and withdrawals at the teller machine while the teller machine is idle.

[0010]

SUMMARY OF THE INVENTION The present invention relates to a processing system for a cashier, and the above object of the present invention is to install the cashier in a business institution of a financial institution and manage cash deposits and withdrawals and cash amount in the store. And a transaction machine processing system in a branch office of a financial institution, which comprises a terminal connected to the cashier in a communicable manner, wherein the terminal receives cash from the cashier without cash. It has a selective transmission function that selects one of the deposit / withdrawal processing data for money processing and the deposit / withdrawal processing reservation data for deposit / withdrawal processing involving cash deposit / withdrawal to / from the cashier. If the data sent from the terminal is deposit / withdrawal processing data, the teller machine immediately executes the deposit / withdrawal processing to update the amount, and the data sent from the terminal is reserved for deposit / withdrawal processing. If data is before And having a function of storing the receipt and payment processing reservation data to the receipt and payment processing reservation data storage means, it is achieved by teller machine processing system.

Further, the above object of the present invention is that the terminal also has a monitoring function of the cashier status and the operating state of the teller machine, or the terminal performs a reservation list inquiry and / or a reservation cancellation. By having a function, it is achieved more effectively.

[0012]

BEST MODE FOR CARRYING OUT THE INVENTION According to the present invention, a cashier does not have to go to a cashier to input reservation data for deposit / withdrawal from a terminal located at a place remote from the cashier, and actually deposits / dispenses cash at the cashier. Money relates to the processing system of the teller machine which can be done in the idle time of the teller machine.

A processing system for a teller machine according to the present invention will be described below with reference to the drawings.

FIG. 1 is a sketch of a branch office of a financial institution in which the processing system of the teller machine according to the present invention is installed. The teller machine 100 and a terminal 200 installed in the teller room are connected to a communication line 300 (for example, in a bank). LAN).

FIG. 2 is an external view showing an example of the teller machine 100. As shown in FIG. 2, the teller machine 100 includes a bundled banknote dispensing device 114 having a bundled banknote dispensing port 108, a loose banknote depositing / dispensing device 115 having a banknote dispensing port 109 and a banknote depositing port 110, and packaging. A packaging coin dispensing device 116 having a coin dispensing port 111, a loose coin depositing / dispensing device 117 having a coin dispensing port 112 and a coin loading port 113, and a new ticket dispensing port 106 for dispensing a new ticket. New ticket withdrawal device 1
07, an authentication printing printer 105 for performing authentication printing on a withdrawal slip, an operation unit 104 provided with keys for various operations of the teller machine, and a terminal unit 103.
Further, the terminal unit 103, a display unit 102 for displaying various screens such as a menu of the teller machine and withdrawal processing,
It is provided with an ID card reader 101 for an ID card used for confirming the identity of the operator, and an out-of-cash box 118.

FIG. 3 shows an example of the internal structure of the teller machine 100. A control unit 120 including a CPU controls the whole according to a program stored in the ROM 130, and the control unit 120 receives data. A hard disk drive 160 for storage, a flexible disk drive 150 for taking data in and out of a flexible disk are connected, and a display unit 102, an operation unit 104, an ID card reader 101, and an authentication printer 105 are also connected. Further, the control unit 120 includes the new ticket dispensing device 107, the bundled banknote dispensing device 114, the loose banknote depositing / dispensing device 115, the packaging coin dispensing device 116, the loose coin depositing / dispensing device 117, and the non-cash box 118. Are connected.

Further, the control unit 120 includes a communication IF 170.
Are connected to the terminal device 200 via the communication line 300. The RAM 140 is a working memory of the control unit 120.

FIG. 4 is an external view showing an example of the terminal 200. As shown in FIG. 4, the terminal device 200 includes an authentication printing printer 205 for performing authentication printing on a withdrawal slip.
And a terminal unit 203, and an operation unit 204 having keys for various operations of the terminal device 200. Furthermore,
The terminal unit 203 includes a display unit 202 for displaying various screens such as a menu of the terminal and deposit / withdrawal processing, and an ID card reader 201 for an ID card used to confirm the identity of the operator. .

FIG. 5 shows an example of the internal configuration of the terminal device 200. A control unit 220 including a CPU or the like controls the whole according to a program stored in the ROM 230, and the control unit 220 receives data. A hard disk drive 260 for storage, a flexible disk drive 250 for taking data in and out of a flexible disk are connected, and a display unit 202, an operation unit 204, an ID card reader 201, and an authentication printer 205 are also connected. A communication IF 270 is connected to the control unit 220, and is connected to the teller machine 100 via the communication line 300. The RAM 240 is a working memory of the control unit 220.

FIG. 6 shows an example of the keyboard arrangement of the operation units 102 and 202.

The operation of the processing system for the teller machine according to the present invention having such a configuration will be described with reference to the flowchart of FIG.

The cashier in the cash room is the ID of the terminal 200
ID to identify the person in charge on the card reader 201
Input a card (step S1). FIG. 8 is an example of a screen displayed when the power of the terminal is turned on.

Next, if the processing to be performed from now on involves the deposit and withdrawal of cash at the teller machine (YES in step S2), select "Reserve" from the menu screen (FIG. 9) of the terminal device 200. , Press "Execute" on the keyboard of the operation unit 204 (step S3). Then, the reservation input screen as shown in Fig. 10 is displayed, and for example, "1. Deposit reservation"
When is selected, a deposit reservation screen as shown in FIG. 11 is displayed. On this screen, the amount written on the slip is keyed in according to the instructions on the screen (step S4). It should be noted that in FIG. 11, “total 100 sheets” for deposit means that the total number of slips is 100 sheets.

As a general rule, cash is automatically counted later by the teller machine, but if it is an obvious unfit note and is clearly rejected by the machine, it is manually input at this stage. . In Figure 11, "cash (manual input) 10,000 yen"
That is the reason. Also, cash and checks are 1
If the slips are mixed in one slip, the amount of a check or the like is input in the “our shop ticket” or “other shop ticket” field. When the input is completed and the "completion" key of the keyboard is pressed, the reservation data is transmitted to the teller machine 100 via the communication line 300 (step S7). As described above, the feature of the present invention is that the terminal side can input the data of deposit and withdrawal in advance regardless of the usage status of the cashier side.

Upon receipt of the reservation data, the teller machine stores the reservation data in the hard disk 160 (step S9). If you want to cancel this reservation data, click “21. Reservation inquiry / cancel” on the menu screen of FIG.
Can be selected.

If the person in charge in the telling room displays the operating status information (“standby”) of the teller machine displayed on the screen of the terminal 200 (for example, the menu screen of FIG. 9), the machine is idle. If it is found that the teller machine is empty (YES in step S10), the user exits the teller room and goes to the teller machine 100. Therefore, the ID card for identifying the person in charge is input to the ID card reader 101 of the teller machine 100 (step S
11). Then, press the “reservation list” key on the keyboard of the operation unit 104 of the teller machine 100 to display the reservation list screen (see FIG. 1).
3) is displayed, select the reserved data that was reserved with the cursor and press the Enter key to call it (step S12).
Then, an instruction screen as shown in FIG. 14 is displayed. Therefore, cash is inserted into the cash slot (the bill slot 110 or the coin slot 113) of the teller machine 100 and the execution key is pressed (step S13). When cash is counted by the teller machine, the screen of FIG. 15 is displayed and the counting result is displayed. If the reserved input amount and the actual input amount are different from each other, they are displayed in the "difference" column of FIG.

When the cash processing is completed and the "completion" key is pressed, the in-store account is updated (step S14), and the deposit / withdrawal processing is completed.

On the other hand, in the case where the process to be performed does not involve cash deposit / withdrawal at the teller machine, for example, in the case of payment process from handheld cash or fund transfer process (large deposit or large deposit, etc.), On the menu screen (FIG. 9) of the terminal device 200, a non-reservation process, for example, “1. Deposit” is selected (step S5), necessary data is input, and the completion key is pressed (step S6). Data payment machine 1
00 (step S7). When the teller machine determines that the sent data is not the reservation data (NO in step S8), it jumps to step S14 and immediately updates the in-store account and ends the process. In addition,
Even in the case of cash-related processing, when the processing is performed only by manual input (for example, in the case of only unfit notes), the reservation processing is not performed. FIG. 12 is an example of a screen for manual input.

Further, the terminal device 200 in the processing system of the teller machine according to the present invention has a function of confirming the operating state and the amount of money of the teller machine.

That is, when the "status display" key on the keyboard of the operation unit 204 of the terminal 200 is pressed, the status display screen as shown in FIG. 16 is displayed, and the amount of money of each part is displayed in animation. There is. In FIG. 16, 1
Reference numeral 16 represents the inventory amount of the packaging coin dispensing device, which indicates that a packaging coin of exactly 100 yen is empty. If you look at this, you can see at a glance the amount of money in each department, and it will be easy to judge whether to supplement the deficient denomination. Further, the lower part of FIG. 16 shows the operating state of each part of the teller machine, and in FIG. 16, it is shown that it is currently on standby (empty). In this way, it is possible to know the operating state of the teller machine from the terminal device without having to go to the teller machine.

Further, FIG. 17 shows the inventory information of the entire sales office owned by the teller machine, and by pressing the "inventory" key on the keyboard of the terminal, the display 202 of the terminal is displayed.
Can be displayed on. On this screen, if you press the "Start" key on the keyboard, the authentication printer 205
Can be printed on.

The same effect can be obtained by installing the terminal device 200 in a hub store or a business center instead of installing it in the same store as the cashier.

[0033]

According to the processing system of the teller machine of the present invention, the load of the teller machine can be distributed and the waiting time can be leveled by using the reservation process.

Further, while the general clerk is performing the cash processing, the cashier can make a reservation input for the cash processing, and the cash clerk can directly perform the processing (update the in-store account). it can.

Further, the reservation input can be collectively processed at the time when the teller machine is idle, and at that time, it is only necessary to select from the reservation list, and it is not necessary to re-input, so that the delivery room and the delivery This has the effect of reducing the number of movements between machines.

[Brief description of drawings]

FIG. 1 is a floor plan of a branch of a financial institution in which a processing system for a teller machine according to the present invention is installed.

FIG. 2 is an external view showing an example of a teller machine.

FIG. 3 is a diagram showing an example of an internal configuration of a teller machine.

FIG. 4 is an external view showing an example of a terminal.

FIG. 5 is a diagram showing an internal configuration example of a terminal.

FIG. 6 is an example of a keyboard arrangement of an operation unit.

FIG. 7 is a flowchart showing an operation of the processing system of the teller machine according to the present invention.

FIG. 8 is an example of an ID card input screen of a teller machine and a terminal.

FIG. 9 is an example of a menu screen of the teller machine and the terminal.

FIG. 10 is an example of a reservation menu screen of the terminal.

FIG. 11 is an example of a deposit reservation screen of a terminal.

FIG. 12 is an example of a manual input screen of a terminal.

FIG. 13 is an example of a reservation inquiry screen of a teller machine and a terminal.

FIG. 14 is an example of a cash insertion instruction screen of the teller machine.

FIG. 15 is an example of a deposit processing confirmation screen of the teller machine.

FIG. 16 is an example of a status display screen of a terminal.

FIG. 17 is an example of an inventory inquiry screen of a terminal.

[Explanation of symbols]

100,200 cashier 101, 201 ID card reader 102, 202 display 103, 203 Terminal part 104, 204 operation unit 105, 205 Authentication printer 200 terminals 300 communication lines

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Yukinori Sato             Gross 1-3-1, Shimoteno, Himeji City, Hyogo Prefecture             Lee Industry Co., Ltd. F-term (reference) 3E040 AA01 AA02 AA04 AA05 AA08                       BA10 CA04 CA16 CB05 DA02                       FJ06 FJ07

Claims (3)

[Claims] 1. A cashier installed at a business institution of a financial institution to manage cash deposits / withdrawals and cash in-stores, and one or more terminals connected to be able to communicate with the cashier. A processing system for a cashier at a branch office of a financial institution, wherein the terminal is a cash-receipt-and-disbursement processing data regarding cash-receipt-and-disbursement processing without cash cash-receipt-and-disbursement to the cashier, and cash to the cashier. It has a selective transmission function that selects any of the deposit / withdrawal processing reservation data for deposit / withdrawal processing involving deposit / withdrawal, and sends it to the teller machine, and the teller machine receives and sends the data sent from the terminal device. If the data is money processing data, the money deposit / withdrawal processing is immediately executed to update the money amount, and if the data transmitted from the terminal is the money withdrawal processing reservation data, the money withdrawal processing reservation data is used as the money withdrawal processing. Stored in reservation data storage means It characterized by having a that function, the teller machine processing system. 2. The terminal device also has a function of monitoring the inventory status and operating state of the teller machine.
The processing system of the teller machine described in. 3. The accounting machine processing system according to claim 1, wherein the terminal has a function of inquiring a reservation list and / or canceling a reservation.