JP2005122261A - System and program for teller's transaction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To release a teller from the need to directly handle cash in his/her operation and to shorten a processing time per customer. <P>SOLUTION: A teller's transaction system is equipped with cash receiving machines 4<SB>1</SB>and 4<SB>2</SB>that count and hold, in their inside, cash thrown prior to a teller's transaction by a customer and issue a money reception receipt where the total amount of the thrown-in cash, etc., is recorded. Then this teller's transaction system performs the determinative money reception processing of the cash thrown into the cash receiving machines 4<SB>1</SB>and 4<SB>2</SB>according to the total amount etc., recorded on the money reception receipt that the customer submits to a teller. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a window transaction system and window transaction program used for depositing and withdrawing cash at a window of a financial institution.

  The conventional window transaction system includes an electronic voucher bookkeeping table that inputs transaction data by the customer's own operation, a plurality of teller terminals for processing passbooks, slips, cash deposits and withdrawals, etc. Are stored in order of completion of customer input, and a second storage unit for registering a teller terminal in an immediately processable state. When the customer transaction data input by the electronic slip bookkeeping is completed, the second storage unit searches for a teller terminal that can be processed immediately, and if there is a teller terminal that can be processed immediately, the customer input transaction data is stored in this teller terminal. If there is no teller terminal that can be processed immediately, the customer input transaction data is stored in the first storage unit, and when the teller terminal is ready for processing, Transaction data is transferred (for example, see Patent Document 1).

JP-A-63-244267 (first page, page 5-7, FIGS. 1 and 2)

  In the conventional window trading system described above, tellers handle cash directly. For this reason, tellers need to be careful not to lose cash or miscount, and there is a great mental burden. On the other hand, financial institutions do not pay attention to lost cash or stealing or embezzling cash by tellers. There was a problem that it should not be. In this case, since the customer has to hold cash for a long time before being called to the counter, there is a problem that the mental burden is large. Further, in the above-described conventional window transaction system, the cash that is deposited and withdrawn is counted when the teller performs deposit / withdrawal processing related to the customer in the window business. Therefore, when a large amount of cash is deposited and withdrawn, it takes time to count the cash, which increases the processing time per customer and causes other customers to wait.

  The window transaction system according to the present invention includes a cash depositing machine that counts the inserted cash and holds it inside, and discharges the recording medium on which the cash counting result is recorded, and is recorded on the recording medium. Based on the counting result, the definite deposit process of the cash is performed.

  In the claims and specification attached to the application for this patent application, “record” means printing of characters, images and other data that can be recognized by human vision (visually recognizable data). Recognize not only on the surface of paper (the first medium) that can express the above-mentioned visually recognizable data on the surface in a way that can be done, but also on electronic data, magnetic data and other human perceptions. Data (non-perceptible data) that cannot be recognized by electronic methods, magnetic methods, or other methods that cannot be recognized by human perception, a magnetic disk or other medium that can reliably hold the non-perceptible data for a certain period (second medium) It means to express to. The “recording medium” refers to the first medium, the second medium, and a combination of these.

  Further, the window transaction system according to the present invention is a cash processing card issuing machine that issues a cash processing card storing transaction reservation information related to a deposit / withdrawal transaction reserved by a customer, and the above-mentioned cash processing card that is read from the inserted cash processing card And an automatic cash transaction apparatus that performs cash deposit and withdrawal transactions based on the transaction reservation information.

  A window transaction program according to the present invention is for causing a computer to realize the function according to any one of claims 1 to 7.

  As described above, the present invention includes the cash depositing machine that counts the inserted cash and holds the cash inside and discharges the recording medium on which the cash counting result is recorded, and is recorded on the recording medium. Based on the counting result, a definite deposit process of the cash is performed. Therefore, the teller can be prevented from directly handling cash in the window business. As a result, the teller is not required to be careful not to lose cash or miscount, and the mental burden is reduced. Financial institutions, on the other hand, do not have to pay attention to cash loss or theft or misappropriation of cash by tellers. In addition, the processing time per customer can be shortened.

Embodiment 1 FIG.
FIG. 1 is a block diagram showing a configuration of a window transaction system according to the first embodiment of the present invention, and FIG. 2 is a schematic top view of a business store of a financial institution in which a part of the window transaction system is installed.
In this example, the teller transaction system includes teller terminals 1 ₁ to ₁₅ , a passbook slip printer 2, number display devices 3 ₁ and 3 ₂ , cash deposit machines 4 ₁ and 4 ₂ , number tag issuing machine 5, The reception controller 6, a gateway 7, a network 8, a communication line 9, and a host computer 10 are included. In the following description, components such as the teller terminals 1 ₁ to ₁₅ having subscripts attached thereto will be simply referred to as the teller terminal 1 or the like. Embodiment 2 described later. The same applies to.

Teller terminals 1 ₁ to ₁₅ , passbook slip printer 2, number display devices 3 ₁ and 3 ₂ , cash deposit machines 4 ₁ and 4 ₂ , number tag issuing machine 5, reception controller 6, gateway 7 Are connected to each other via a network 8. The network 8 is connected via a gateway 7 and a communication line 9 to a host computer 10 provided at a financial institution head office, a management center, or the like.

As shown in FIG. 2, of the teller terminal 1 ₁ to 1 _5, the teller terminal 1 ₁ to 1 ₃ is placed in the vicinity of the low counter 11, the teller terminal 1 ₄ and 1 ₅ placing in the vicinity of the high counter 12 Is placed. The low counter 11 and the high counter 12 constitute a transaction window of this business store, and the tellers 13 _{1 to} 13 ₅ are sitting in front of the low counter 11 and the high counter 12. On the other hand, on the floor in front of the low counter 11, a sofa 15 on which the customers 14 ₁ and 14 ₂ sit is placed.

  The teller terminal 1 is configured by an information processing apparatus such as a computer having a teller terminal main body 21, a teller terminal display unit 22, and a teller terminal operation unit 23. For example, as shown in FIG. A teller terminal body 21 is placed on the floor on which the teller 13 sits, and a teller terminal display unit 22 and a teller terminal operation unit 23 are placed on the row counter 11. A passbook slip printer 2 is placed on the teller terminal main body 21.

  The teller terminal main body 21 includes a control unit, a storage unit, a communication control unit, and the like. The control unit is composed of a CPU (Central Processing Unit) and the like, and based on the first deposit program, account inquiry program, passbook entry program, etc. stored in the storage unit, the first deposit process, account inquiry process, passbook entry process Etc. are executed to control the entire teller terminal 1. That is, for example, when the first deposit program is read from the storage unit, it is read by the control unit and controls the operation of the control unit. When the first deposit program is activated, the control unit executes the first deposit process under the control of the first deposit program. The first deposit process, account inquiry process, and passbook entry process will be described later.

  The storage unit includes a RAM, a ROM, a semiconductor memory such as a flash memory, an FD driver to which an FD (floppy (registered trademark) disk) is mounted, an HD driver to which an HD (hard disk) is mounted, and an MO (optical magnetic). ) MO disc driver to which a disc is mounted, or a CD (compact disc) -ROM, CD-R (Recordable), CD-RW (ReWritable), DVD-ROM, DVD-R, DVD-RW, etc. It consists of a CD / DVD driver. The storage unit stores various data in addition to various programs executed by the control unit. The communication control unit performs data communication with the passbook slip printer 2 and the cash deposit machine 4 via the network 8 and performs data communication with the host computer 10 via the network 8, the gateway 7 and the communication line 9.

  The teller terminal display unit 22 includes a CRT display, a liquid crystal display, or a plasma display, and displays various data such as deposit information transmitted from the cash deposit machine 4, for example. The teller terminal operation unit 23 includes a keyboard and the like. When the teller 13 is operated, for example, receipt information printed on a receipt receipt 16 (described later) received from the customer 14 is input.

  The passbook slip printer 2 is configured by an information processing apparatus such as a computer having a control unit, a storage unit, a printing unit, a communication control unit, and the like. The control unit is composed of a CPU or the like, executes a passbook printing process based on a passbook printing program stored in the storage unit, and controls the entire passbook slip printer 2. That is, when the passbook printing program is read from the storage unit, it is read by the control unit and controls the operation of the control unit. When the passbook printing program is activated, the control unit executes the passbook printing process under the control of the passbook printing program. In the passbook printing process, the teller 13 inserts the passbook received from the customer 14 from the passbook insertion slot 2a (see FIG. 3), thereby storing the magnetic data stored in the belt-like magnetic stripe attached to the back cover of the passbook. Read the information, access the host computer 10 based on the account number constituting the magnetic information, receive the data (payment date, deposit amount, balance, etc.) related to the account held by the customer 14 in the financial institution This is a process of printing on a passbook. The storage unit includes a RAM, a ROM, a semiconductor memory such as a flash memory, an HD driver to which an HD is mounted, and the like. The storage unit stores various data in addition to the passbook printing program executed by the control unit. The communication control unit performs data communication with the teller terminal 1 via the network 8 and also performs data communication with the host computer 10 via the network 8, the gateway 7 and the communication line 9.

  The number display device 3 is composed of a light emitting diode or the like, and displays a calling number for calling the next customer 14 supplied from the teller terminal 1. The number display machine 3 is provided, for example, behind the teller 13 sitting in front of the low counter 11 and the high counter 12 and at a position visible to the customer 14.

  For example, as shown in FIG. 2, the cash deposit machine 4 is provided in the vicinity of the left and right wall surfaces of the business store. The cash deposit machine 4 is configured by an information processing apparatus such as a computer having a control unit, a storage unit, an operation unit, a display unit, a printing unit, a communication control unit, and the like. The control unit includes a CPU and the like, and executes the cash reception process, the third payment process, and the like based on the cash reception program and the third payment program stored in the storage unit, and controls the cash deposit machine 4 as a whole. To do. That is, for example, when the cash acceptance program is read from the storage unit, it is read by the control unit and controls the operation of the control unit. When the cash reception program is activated, the control unit executes a cash reception process under the control of the cash reception program. In the cash acceptance process, when the customer 14 inserts deposit cash consisting of one or both of bills and coins to be deposited from the bill slot or coin slot, these deposit cash is automatically stored as a temporary deposit cash. In this process, the state is put on hold as it is, the count result is stored in a predetermined storage area of the storage unit in association with the calling number, and a receipt receipt 16 is issued to that effect. When bills and coins are collectively referred to, they are called money. The third deposit process will be described later.

  The storage unit includes a RAM, a ROM, a semiconductor memory such as a flash memory, an HD driver to which an HD is mounted, and the like. The storage unit stores various data in addition to various programs such as a cash acceptance program and a third deposit program executed by the control unit. The operation unit includes a numeric keypad, function keys, a touch panel provided on the display unit, and the like. The display unit includes a CRT display, a liquid crystal display, a plasma display, or the like, and displays various messages. The printing unit includes an ink jet printer, a laser printer, a thermal printer, or the like, and prints the call number, the counted cash denomination, the number of sheets, the total amount, and the like on a predetermined receipt sheet. The communication control unit performs data communication with the teller terminal 1 and the reception controller 6 via the network 8. Of the configuration and functions of the cash deposit machine 4, refer to, for example, Japanese Patent Application Laid-Open No. 9-330471 for accounting the deposited cash and setting the deposited cash on hold.

  For example, as shown in FIG. 2, the number tag ticket issuing machine 5 is provided in the vicinity of an entrance of a business store, and includes a control unit, a storage unit, an operation unit, and a communication control unit. A control part consists of CPU etc., performs a ticketing process based on the ticketing program memorize | stored in the memory | storage part, and controls the whole number tag ticket issuing machine 5. FIG. That is, when the ticket issuing program is read from the storage unit, it is read into the control unit and controls the operation of the control unit. When the ticketing program is activated, the control unit executes the ticketing process under the control of the ticketing program. The ticket issuing process is a process in which the customer 14 issues a number tag 17 on which call numbers (serial numbers) are sequentially printed in order to obtain a transaction order at the transaction window. The storage unit includes a RAM, a ROM, a semiconductor memory such as a flash memory, an HD driver to which an HD is mounted, and the like. The storage unit stores various data in addition to the ticket issuing program executed by the control unit. The communication control unit performs data communication with the teller terminal 1, the reception controller 6 and the like via the network 8.

  For example, as shown in FIG. 2, the reception controller 6 is provided in the vicinity of the wall surface on the opposite side to the entrance of the business store, and includes a control unit, a storage unit, an operation unit, and a communication control unit. Has been. The control unit is composed of a CPU or the like, and executes a second deposit process based on a second deposit program stored in the storage unit, and controls the entire reception controller 6. That is, when the second deposit program is read from the storage unit, it is read by the control unit and controls the operation of the control unit. When the second deposit program is activated, the control unit executes the second deposit process under the control of the second deposit program. The second deposit process will be described later. The storage unit includes a RAM, a ROM, a semiconductor memory such as a flash memory, an HD driver to which an HD is mounted, and the like. In addition to the second deposit program executed by the control unit, various data are stored in the storage unit. The communication control unit performs data communication with the teller terminal 1, the cash deposit machine 4 and the like via the network 8.

For example, as shown in FIG. 2, the gateway 7 is provided in the vicinity of the wall on the opposite side of the entrance / exit of the business store, and is a device for mutually connecting a plurality of network systems having different communication protocols. Yes, for example, when the teller terminal 1 performs data communication with the host computer 10. The network 8 includes, for example, a local area network (LAN), a wide area network (WAN), and the like. The network 8 includes teller terminals 1 ₁ to ₁₅ , a passbook slip printer 2, number display devices 3 ₁ and 3 ₂ , cash deposit machines 4 ₁ and 4 ₂ , number tag issuing machine 5, and reception controller 6. The gateway 7 is wired or wirelessly connected by, for example, a twisted pair cable, a coaxial cable, an optical fiber cable, or the like.

  The communication line 9 is a wireless or wired line, and may be a private line, a public line such as a telephone line, or a network such as the Internet. The host computer 10 includes an information processing apparatus such as a computer having a control unit, a storage unit, a display unit, an operation unit, and a communication control unit. The storage unit stores various data such as account numbers, transaction histories, and balances for each customer 14 having an account with the financial institution. The control unit manages and updates these various types of data, Various data of the customer 14 is transmitted based on the request from the teller terminal 1 of the store.

  In FIG. 2, a slip shelf 19 is placed on a book stand 18 placed behind the sofa 15, and a deposit slip or a refund slip prepared for each transaction item of the customer 14 (these Are collectively referred to as transaction slips). The first deposit process, the second deposit process, and the third deposit process described above constitute a deposit process. The various programs stored in the storage units constituting the teller terminal main body 21, the passbook slip printer 2, the cash deposit machine 4, the number tag issuing machine 5 and the reception controller 6 constitute a window transaction program as a whole. doing.

  Next, the operation of the window transaction system configured as described above will be described with reference to the flowcharts shown in FIGS. First, ticket issuing processing executed by the control unit of the number tag issuing machine 5 will be described with reference to the flowchart shown in FIG. When the power is turned on, the control unit of the number tag ticket issuing machine 5 executes a predetermined initialization process, and then proceeds to the process of step SA1 shown in FIG. 4, corresponding to the number printed on the number tag 17 to be issued. After substituting 1 as an initial value for variable N, the process proceeds to step SA2. In step SA2, the control unit of the number tag issuing machine 5 prints a number corresponding to the value of the variable N as a calling number on the number tag. For example, as shown in FIG. 7, the number tag 17 is inserted into the number tag discharge port 5a. Then, a part thereof is hung down outside, and the process proceeds to Step SA3. Note that an example of the guidance sentence shown in FIG. 7 may be displayed on a display unit or printed on a panel. Such guidance text may be listed near the bookkeeping stand 18 or printed on a deposit slip described later.

  In step SA3, the control unit of the number tag issuing machine 5 determines whether or not the customer 14 who visited the store has operated. When this determination result is “NO”, the control unit of the number tag issuing machine 5 repeats the same determination. When the customer 14 operates, for example, the number tag 17 having a part hanging outside from the number tag discharge port 5a shown in FIG. It becomes "YES" and the control part of the number tag issuing machine 5 proceeds to Step SA4. In step SA4, the control unit of the number tag issuing machine 5 adds 1 to the value of the variable N, returns to step SA2, and repeats the processes in steps SA2 to SA4 described above.

  That is, when the customer 14 visits the sales store, the customer first goes to the number tag ticketing machine 5 and pulls out the number tag 17 from the number tag discharge port 5a. Each time the number is extracted, the call number whose value is incremented by 1 is printed on the number tag 17, and a part of the call number is hung outside from the number tag discharge port 5a.

  Next, the cash reception process which the control part of the cash deposit machine 4 performs is demonstrated with reference to the flowchart shown in FIG. When the power is turned on, the control unit of the cash deposit machine 4 executes a predetermined initialization process, and then proceeds to the process of step SB1 shown in FIG. 5, and the customer 14 operates the operation unit to input the calling number. Determine whether or not. When this determination result is “NO”, the control unit of the cash deposit machine 4 repeats the same determination. When the customer 14 operates the operation unit and inputs the calling number printed on the number tag 17 possessed by the customer 14, the determination result in step SB1 is “YES”, and the control unit of the cash depositing machine 4 Proceed to step SB2. In Step SB2, the control unit of the cash deposit machine 4 opens the shutters provided at the bill insertion slot and the coin insertion slot, and then proceeds to Step SB3.

  In step SB3, the control unit of the cash depositing machine 4 determines whether or not cash is inserted from the bill insertion slot and the coin insertion slot. When this determination result is “NO”, the control unit of the cash deposit machine 4 repeats the same determination. This determination is made, for example, based on whether or not a sensor provided in each of the bill insertion slot and the coin insertion slot detects a bill and a coin and a detection signal is supplied from the sensor. When the customer 14 inserts one or both of bills and coins from the bill slot or coin slot, the determination result in step SB3 is “YES”, and the control unit of the cash deposit machine 4 proceeds to step SB4. move on. In Step SB4, the control unit of the cash deposit machine 4 closes both the shutters provided at the bill insertion slot and the coin insertion slot, and then proceeds to Step SB5.

  In step SB5, the control unit of the cash depositing machine 4 determines the denomination of the bill or coin inserted from the bill insertion slot or coin insertion slot, and starts counting for each denomination. In this case, the control unit of the cash deposit machine 4 displays, for example, “Now counting. Please wait.” On the display unit. Then, when the counting of the cash is finished, the control unit of the cash deposit machine 4 proceeds to Step SB6. In step SB6, the control unit of the cash deposit machine 4 displays the cash counting result (number of denominations and total amount, etc.) on the display unit. At this time, the control unit of the cash deposit machine 4 cannot determine the denomination, and if there are foreign objects such as banknotes and coins determined to be coins, they are discharged from the banknote outlet and the coin outlet. , For example, “○ is not accepted. I will return it” is displayed on the display. Then, the control unit of the cash deposit machine 4 proceeds to Step SB7.

  In step SB7, the control unit of the cash deposit machine 4 determines whether or not the confirmation button constituting the operation unit has been operated. When this determination result is “NO”, the control unit of the cash deposit machine 4 repeats the same determination. When the customer 14 visually confirms the counting result displayed on the display unit and operates the confirmation button, the determination result in step SB7 is “YES”, and the control unit of the cash depositing machine 4 proceeds to step SB8. In step SB8, the control unit of the cash deposit machine 4 stores the count result in a predetermined storage area of the storage unit in association with the call number, and then proceeds to step SB9. In step SB9, the control unit of the cash depositing machine 4 supplies the print data relating to the reception information, the number of denominations as a counting result, the total amount, etc. to the printing unit, and then returns to step SB1, The process of SB9 is repeated. The reception information may be the same as the call number, a number (serial number) that the cash deposit machine 4 uniquely counts, or some information (alphabet, numbers, or some symbols) that can be used to identify the payment by the customer. Combination). Accordingly, the printing unit prints the receipt receipt 16 and hangs a part of the receipt receipt 16 from a receipt discharge port (not shown) to the outside.

  That is, when the customer 14 who has pulled out the number tag 17 from the number tag discharge port 5a looks at the display of the number tag issuing machine 5 shown in FIG. 2. After picking up a transaction slip suitable for the transaction to be carried out from the slip shelf 19 and entering the account number, name and amount in the transaction slip and stamping it, sitting on the sofa 15 and the number display 3 Wait until the calling number printed on the number tag 17 possessed by the user is displayed. On the other hand, if the customer wishes to deposit in cash, the customer 14 issues a deposit slip on the bookkeeping stand 18, then goes to the cash deposit machine 4 and precedes the cash desired to deposit with the cash deposit machine 4. In other words, the deposit receipt 16 is issued. Thereafter, the customer 14 sits on the sofa 15 and waits until the call number printed on the number tag 17 possessed by the customer 14 is displayed on the number display 3. As a result, while the customer 14 waits for the customer 14 to be accepted at the window, the counting of cash is completed, so the time required for the face-to-face reception with the teller 13 is reduced. Moreover, since the customer 14 does not need to carry cash while waiting for reception, it can wait in comfort.

  Next, the first depositing process executed by the control unit of the teller terminal 1, the second depositing process executed by the control unit of the reception controller 6 and the third depositing process executed by the control unit of the cash depositing machine 4 will be described with reference to FIG. This will be described with reference to the flowchart shown in FIG. When the power is turned on, the control unit of the teller terminal 1 executes a predetermined initialization process, and then proceeds to the process of step SC1 shown in FIG. 6, where the teller 13 operates the teller terminal operation unit 23 to receive information It is determined whether or not is entered. When this determination result is “NO”, the control unit of the teller terminal 1 repeats the same determination. Then, when the teller 13 operates the teller terminal operation unit 23 and inputs the reception information printed on the deposit receipt 16 received from the customer 14, the determination result in step SC1 is “YES”, and the control of the teller terminal 1 is performed. The unit proceeds to step SC2. In step SC2, the control unit of the teller terminal 1 transmits the reception information input in the process of step SC1 to the reception controller 6 via the network 8, and then proceeds to step SC5.

  The control unit of the reception controller 6 that has received the reception information transmitted from the teller terminal 1 proceeds to the process of step SC3 and corresponds to the reception information transmitted from the teller terminal 1 to the cash deposit machine 4 via the network 8. After requesting the deposit information, the second deposit process is terminated. Thereby, the control unit of the cash depositing machine 4 for which the deposit information corresponding to the receipt information is requested from the receipt controller 6 proceeds to the process of step SC4, reads the deposit information corresponding to the receipt information from the storage unit, and the network After the deposit information is transmitted to the teller terminal 1 via 8, the third deposit process is terminated.

  In step SC5, the control unit of the teller terminal 1 displays the deposit information transmitted from the cash deposit machine 4 on the teller terminal display unit 22, and then proceeds to step SC6. In step SC6, the control unit of the teller terminal 1 determines whether or not the confirmation button constituting the teller terminal operation unit 23 has been operated. When this determination result is “NO”, the control unit of the teller terminal 1 repeats the same determination. Then, the teller 13 visually confirms the deposit information displayed on the teller terminal display unit 22 and the account number, name, and amount described in the deposit slip received from the customer 14, and configures the teller terminal operation unit 23. When the confirmation button is operated, the determination result in step SC6 is “YES”, and the control unit of the teller terminal 1 proceeds to step SC7. In step SC7, the control unit of the teller terminal 1 completes the first deposit process after executing the deposit confirmation process. In this deposit confirmation process, the teller 13 operates the teller terminal operation unit 23 to input the account number of the customer 14 and the operation for depositing the deposit information displayed on the teller terminal display unit 22 to the account number. This is a process for definitely depositing the amount of money (payment amount) constituting the deposit information to the account number. Specifically, the teller terminal 1 accesses the host computer 10 and updates the balance of the account number by increasing the deposit amount.

  In other words, the customer 14 whose calling number printed on the number tag 17 possessed by himself / herself is displayed on the number display device 3 proceeds to the window guided by the teller 13, and the number tag 17, the withdrawal slip and the receipt receipt 16. In some cases, the bankbook is handed over to the teller 13. The call of the customer 14 may be made verbally by the teller 13. As a result, when the teller 13 operates the teller terminal operation unit 23 and inputs the call number printed on the number tag 17, the deposit information corresponding to the call number is displayed on the teller terminal display unit 22 after a while. Accordingly, the teller 13 visually confirms the deposit information displayed on the teller terminal display unit 22 and the account number, name, and amount described in the deposit slip received from the customer 14, and also verbally communicates with the customer 14. After confirming, the confirmation button constituting the teller terminal operation unit 23 is operated. With the above processing, the cash previously deposited by the cash deposit machine 4 into the account of the customer 14 is definitely deposited. Since the window transaction based on the slip other than the deposit slip is the same as the conventional one, its description is omitted.

  Further, when the customer 14 hands over the bankbook together with the withdrawal slip and the receipt receipt 16, the teller 13 receives the bankbook, and after completing the above-described deposit confirmation process, opens a printable page and opens the bankbook insertion slot 2a (FIG. 3). Insert from (see). As a result, the control unit of the passbook slip printer 2 reads the magnetic information stored in the belt-like magnetic stripe affixed to the back cover of the passbook and the host computer 10 based on the account number constituting the magnetic information. , And receives data (accounting date, deposit amount, balance, etc.) relating to the account held by the customer 14 in the financial institution, and executes a passbook printing process. When printing is completed, the control unit of the passbook slip printer 2 discharges the passbook from the passbook insertion port 2a. Therefore, the teller 13 takes out the passbook that has been printed from the passbook insertion slot 2 a and returns it to the customer 14.

  Thus, according to this embodiment, the cash that the customer 14 wishes to deposit is deposited in advance by the cash depositing machine 4 and is not handled directly by the teller 13. For this reason, the teller 13 does not have to be careful not to lose cash or miscount, and the mental burden is reduced. On the other hand, the financial institution does not need to pay attention to the loss of cash, theft or misappropriation of cash by the teller 13, and no extra cost. Further, since the cash that the customer has immediately after coming to the sales store is stored in the cash depositing machine 4, it is not necessary to have cash in the sales store, and the mental burden is reduced. In addition, when the teller 13 performs the deposit process for the customer 14 in the counter service, it is not necessary to count the cash to be deposited, so even if a large amount of cash is deposited, the processing time per customer is reduced. This makes it possible to efficiently perform the window service without waiting for other customers. This embodiment is particularly suitable when a customer who deposits a large amount of coins (for example, a game center, a pachinko parlor, or a supermarket) deposits his / her account.

Embodiment 2. FIG.
FIG. 8 is a block diagram showing a configuration of a window transaction system according to the second embodiment of the present invention, and FIG. 9 is a schematic top view of a business store of a financial institution in which a part of the window transaction system is installed. 8 and 9, parts corresponding to those in FIGS. 1 and 2 are given the same reference numerals, and descriptions thereof are omitted. 1 and 2 are the same as those of the corresponding constituent elements in terms of hardware configuration, but their functions (specifically, each constituent element). Among the processes executed by the control unit constituting the above, those that differ are specifically mentioned below. Further, as will be described later, in the window transaction system shown in FIGS. 8 and 9, the cash deposit machines 4 ₁ and 4 ₂ shown in FIGS. 1 and 2 are not provided, so the configuration shown in FIGS. It goes without saying that the processing related to the cash depositing machines 4 ₁ and 4 ₂ is not executed even if the constituent elements are given the same reference numerals as the elements.

In window transaction system shown in FIGS. 8 and 9, instead of the cash deposit machine 4 ₁ and 4 ₂ are shown in FIGS. 1 and 2, an automatic teller machine (ATM: Automatic Teller Machine) 31 is newly provided In addition, cash processing card detectors 32 _{1 to} 32 ₃ and a cash processing card issuing machine 33 are newly provided. The ATM 31, the cash processing card detectors 32 _{1 to} 32 _3, and the cash processing card issuing machine 33 are connected to each other via the network 8 together with the other components described above.

  The ATM 31 has a conventional function in which a customer 14 performs a predetermined operation using a cash card to automatically deposit and withdraw cash without entering a transaction slip and performing a window transaction with the teller 13. In addition, it has a function of depositing and withdrawing cash by filling in a transaction slip and performing a predetermined operation using the cash processing card 34 after a window transaction with the teller 13.

  Here, the cash processing card 34 is a non-contact type IC card, and the account number of the account that the customer 14 has in the financial institution and the transaction type (transaction type) by the window transaction between the customer 14 and the teller 13 in the sales store. The data relating to the transaction amount is stored in a predetermined storage area of the IC, and when inserted into the ATM 31, the data is supplied to the ATM 31 by wireless communication. Note that the hardware configuration and functions of the ATM 31 other than those specifically mentioned in this specification are the same as those of the conventional ATM, so refer to, for example, Japanese Patent Application Laid-Open No. 2003-132396.

  The cash processing card detector 32 is provided in the vicinity of the entrance / exit of the business store, and the cash processing card 34 approaches a predetermined distance when the customer 14 tries to leave the business store without depositing or withdrawing money at the ATM 31. And a card detection signal is transmitted to the acceptance controller 6. For example, as shown in FIG. 10, the cash processing card issuing machine 33 is placed on the low counter 11, and the teller 13 operates the teller terminal 1 to issue the above-described cash processing card 34.

  Next, the operation of the window transaction system configured as described above will be described with reference to the flowcharts shown in FIGS. First, the ticket issuing process executed by the control unit of the number tag issuing machine 5 is the same as the process described with reference to the flowchart shown in FIG. That is, when the customer 14 visits the business store, the customer 14 first goes to the number tag issuing machine 5 and pulls out the number tag 17 from the number tag discharge port 5a. As a result, each time the customer 14 pulls out the number tag 17, the number tag ticket issuing machine 5 prints the calling number whose value is incremented by 1 on the number tag 17 and transfers a part thereof from the number tag discharge port 5a to the outside. Hang down.

  The customer 14 who has pulled out the number tag 17 from the number tag outlet 5a goes to the bookkeeping stand 18, takes out a transaction slip suitable for the transaction he / she performs from the slip shelf 19, and stores the account number, name, and amount in the transaction slip. Is entered and stamped, and then the user sits on the sofa 15 and waits until the calling number printed on the number tag 17 possessed by the number display unit 3 is displayed. The customer 14 whose calling number printed on the number tag 17 he / she owns is displayed on the number display machine 3 proceeds to the window guided by the teller 13, and the number tag 17, transaction slip and bankbook (in case of withdrawal) In this case, a personal certificate such as a car license or a seal stamp is handed to the teller 13. The call of the customer 14 may be made verbally by the teller 13.

  Next, the deposit / withdrawal reservation process executed by the control unit of the teller terminal 1 will be described with reference to the flowchart shown in FIG. When the power is turned on, the control unit of the teller terminal 1 executes a predetermined initialization process, and then proceeds to the process of step SD1 shown in FIG. 11, where the teller 13 operates the teller terminal operation unit 23 to change the account number. It is determined whether or not the customer information such as is input. When this determination result is “NO”, the control unit of the teller terminal 1 repeats the same determination. Then, when the teller 13 operates the teller terminal operation unit 23 and inputs customer information such as an account number described in the transaction slip and passbook received from the customer 14, the determination result in step SD1 becomes “YES” The control unit of the teller terminal 1 proceeds to step SD2. In step SD2, the control unit of the teller terminal 1 accesses the host computer 10, searches for customer information managed in the host computer 10 based on the account number, and data (balance information, After receiving the transaction availability information, the process proceeds to step SD3. The transaction availability information is, for example, information indicating that the account is registered as a transaction suspension.

  In step SD3, the control unit of the teller terminal 1 determines whether or not the customer 14 is currently transactable based on the balance information and transaction availability information received in the process of step SD2. If this determination is “YES”, the control unit of the teller terminal 1 proceeds to step SD4. In step SD4, the control unit of the teller terminal 1 determines whether or not a transaction amount, a transaction type (payment or withdrawal), or the like has been input. When this determination result is “NO”, the control unit of the teller terminal 1 repeats the same determination. Then, when the teller 13 operates the teller terminal operation unit 23 and inputs the transaction amount and transaction type (payment or withdrawal) described in the transaction slip and passbook received from the customer 14, the determination result of step SD4 Becomes “YES”, and the control unit of the teller terminal 1 proceeds to step SD5.

  In step SD5, the control unit of the teller terminal 1 accesses the cash processing card issuing machine 33, transmits the account number, transaction amount, and transaction type (payment or withdrawal) of the customer 14, and issues a cash processing card. Is directed to step SD6. Thereby, the cash processing card issuing machine 33 transmits the account number, transaction amount, transaction type (payment or withdrawal) of the customer 14 transmitted from the teller terminal 1 (hereinafter collectively referred to as transaction reservation information). Is stored in a predetermined storage area of the IC constituting the cash processing card 34 accommodated therein, and then discharged from the outlet and issued. Therefore, the teller 13 hands the issued cash processing card 34 to the customer 14. At this time, the teller 13 tells, for example, “Use this card within 1 hour to deposit or withdraw money at an ATM”. The issued cash processing card 34 is carried by the customer 14 and approaches a cash processing card detector 32 within a predetermined distance, thereby oscillating a signal corresponding to the account number stored in the storage area. In step SD6, the control unit of the teller terminal 1 accesses the reception controller 6, transmits the same information as the transaction reservation information of the customer transmitted to the cash processing card issuing machine 33, and ends the series of processes. .

  Next, card monitoring processing executed by the control unit of the reception controller 6 will be described with reference to a flowchart shown in FIG. When the power is turned on, the control unit of the acceptance controller 6 executes a predetermined initialization process, and then proceeds to the process of step SE1 shown in FIG. 12, and determines whether or not the transaction reservation information has been received. When this determination result is “NO”, the control unit of the reception controller 6 repeats the same determination. When the transaction reservation information transmitted from the teller terminal 1 is received, the determination result in step SE1 is “YES”, and the control unit of the reception controller 6 proceeds to step SE2. In step SE2, the control unit of the reception controller 6 stores the transaction reservation information in a predetermined storage area of the storage unit, and then proceeds to step SE3.

  In step SE <b> 3, the control unit of the reception controller 6 determines whether a card detection signal corresponding to the transaction reservation information stored in the predetermined storage area of the storage unit has been transmitted from the cash processing card detector 32. When this determination result is “NO”, the control unit of the reception controller 6 repeats the same determination. And if the card detection signal corresponding to the said transaction reservation information is transmitted from the cash processing card detector 32, the judgment result of step SE3 will be "YES", and the control part of the reception controller 6 will progress to step SE4. In step SE4, after notifying that the cash processing card 34 has been detected, the control unit of the reception controller 6 ends the series of processes. The notification is performed by sounding an alarm or playing a pre-recorded voice message from the speaker. In addition, when there is a time limit (for example, 10 minutes have passed in 1 hour), it is also possible to notify “Return within 50 minutes”.

  This process is executed by performing the following operations. That is, since the customer 14 tried to leave the business store without using the cash processing card 34 at the ATM 31 to deposit or withdraw, the customer 14 approaches one of the cash processing card detectors 32 within a predetermined distance. As a result, the cash processing card detector 32 detects that fact and transmits a card detection signal to the acceptance controller 6. Therefore, the control unit of the reception controller 6 executes the process of step SE4 based on the received card detection signal. As a result, it is possible to prevent the customer 14 from leaving the business store by mistake without depositing or withdrawing money.

  Next, cash deposit / withdrawal processing executed by the control unit of the ATM 31 will be described with reference to the flowcharts shown in FIGS. 13 and 14. When the power is turned on, the control unit of the ATM 31 executes a predetermined initialization process, displays a transaction selection screen on a display unit (not shown), and then proceeds to the process of step SF1 shown in FIG. It is determined whether or not the cash processing card 34 has been inserted from the card insertion slot. When this determination result is “NO”, the control unit of the ATM 31 repeats the same determination. And if the customer 14 inserts the cash processing card | curd 34 from the card insertion slot which is not shown in figure, the judgment result of step SF1 will be "YES", and the control part of ATM31 will progress to step SF2.

  In step SF2, the control unit of the ATM 31 reads transaction reservation information from the cash processing card 34 by wireless communication, and then proceeds to step SF3. In step SF3, the control unit of ATM 31 determines whether or not the transaction type constituting the read transaction reservation information is withdrawal. If this determination is “YES”, the control unit of ATM 31 proceeds to step SF 4. In step SF4, the control unit of the ATM 31 determines whether or not withdrawal with a bar is selected. Here, the bar is a coin that is piled up with a predetermined number of coins and wound in paper and fixed in a bar shape, and is prepared by a financial institution for use by a store as change. In step SF4, for example, a display section (not shown) displays, for example, “If you wish to withdraw money with a bar, please enter the desired denomination and number of denominations” and selectable denominations. Further, a selection button for selecting the number of bars is displayed for each denomination, and whether or not the customer 14 has pressed the selection button is determined.

  If the determination result in step SF4 is “NO”, the control unit of the ATM 31 determines that the withdrawal with normal money is selected, and proceeds to step SF5. In step SF5, the control unit of the ATM 31 discharges money of a denomination corresponding to the transaction amount constituting the transaction reservation information from a money discharge port (not shown), and a receipt on which an account number, transaction amount, balance, etc. are printed. , The process proceeds to step SF7. On the other hand, when the result of determination at step SF4 is “YES”, that is, when withdrawal by bar is selected, the control unit of ATM 31 proceeds to step SF6. In step SF6, the control unit of the ATM 31 discharges the bar of the denomination selected from the bar discharge outlet (not shown) by the number corresponding to the transaction amount constituting the transaction reservation information. If there is a withdrawal by money, the necessary money is discharged from a money outlet (not shown), and a receipt printed with an account number, transaction amount, balance, etc. is discharged, and the process proceeds to step SF7.

  In step SF7, the control unit of the ATM 31 determines whether or not cash has been extracted from the banknote outlet or the bar outlet. When this determination result is “NO”, the control unit of the ATM 31 repeats the same determination. When the customer 14 withdraws cash from the banknote outlet or the bar outlet, the determination result in step SF7 is “YES”, and the control unit of the ATM 31 proceeds to step SF8. In step SF8, the control unit of the ATM 31 accesses the host computer 10 and the teller terminal 1, transmits data indicating that the transaction is completed, and then proceeds to step SF9. Thereby, the host computer 10 updates the account information for reducing the balance of the account number by the above-mentioned withdrawal amount. In step SF9, the control part of ATM31 collect | recovers the cash processing card | curd 34 inserted from the card insertion slot not shown inside, and complete | finishes a series of processes.

  On the other hand, when the determination result of step SF3 is “NO”, that is, when the transaction type constituting the transaction reservation information read in the process of step SF2 is not a withdrawal but a deposit, the control unit of the ATM 31 Control proceeds to step SF10 shown in FIG. In step SF10, the control unit of the ATM 31 opens both shutters provided at the bill insertion slot and the coin insertion slot, and then proceeds to step SF11.

  In step SF11, the control unit of the ATM 31 determines whether or not cash is inserted from the bill insertion slot or the coin insertion slot. When this determination result is “NO”, the control unit of the ATM 31 repeats the same determination. This determination is made, for example, based on whether or not a sensor provided in each of the bill insertion slot and the coin insertion slot detects a bill and a coin and a detection signal is supplied from the sensor. When the customer 14 inserts one or both of bills and coins from the bill slot or coin slot, the determination result in step SF11 is “YES”, and the control unit of the ATM 31 proceeds to step SF12. In step SF12, the control unit of ATM 31 closes both shutters provided at the bill insertion slot and the coin insertion slot, and then proceeds to step SF13.

  In step SF13, the control unit of the ATM 31 determines the denomination of the bill or coin inserted from the bill insertion slot or coin insertion slot, and starts counting for each denomination. In this case, the control unit of the ATM 31 displays, for example, “Now counting, please wait.” On the display unit. When the counting of the cash is completed, the control unit of the ATM 31 holds the counted cash in the internal temporary holding unit, and then proceeds to step SF14. In step SF14, the control unit of the ATM 31 determines whether or not the total amount (count value) of the cash counted in the process of step SF13 is smaller than the transaction amount constituting the transaction reservation information read in the process of step SF2. . If the determination result is “YES”, the control unit of the ATM 31 proceeds to step SF15.

  In step SF15, the control unit of the ATM 31 displays a screen for requesting additional input of the insufficient amount on the display unit (not shown), for example, and then proceeds to step SF16. In step SF16, the control unit of the ATM 31 determines whether or not the customer 14 has canceled the deposit, specifically, whether or not the cancel button on the display screen shown in FIG. 15 has been operated. If this determination is “NO”, the control unit of ATM 31 proceeds to step SF 17. In step SF17, the control unit of the ATM 31 opens the shutters provided at the bill insertion slot and the coin insertion slot, and then proceeds to step SF17.

  In step SF18, the control unit of the ATM 31 determines whether or not cash is inserted from the bill insertion slot or the coin insertion slot. If this determination is “YES”, the control unit of the ATM 31 returns to step SF12 and repeats the processes of steps SF12 to SF17 described above. On the other hand, if the determination result in step SF18 is “NO”, that is, after opening the shutter, cash is not inserted from the bill insertion slot and the coin insertion slot even if a predetermined time counted by the internal timer has elapsed. In the case where it is detected, the control unit of the ATM 31 proceeds to step SF19. Step SF16 When the determination result is “YES”, that is, when the customer 14 cancels the deposit, specifically, when the cancel button on the display screen shown in FIG. Advances to step SF19.

  In step SF19, the control unit of the ATM 31 executes the cash return process, and then proceeds to step SF20. This cash return process transfers the cash held in the temporary holding unit to the banknote slot and the coin slot, and after opening the shutters provided at the banknote slot and the coin slot, the banknote When it is detected that cash has been withdrawn from the insertion slot or the coin insertion slot, the shutter is closed. In step SF20, the control unit of the ATM 31 executes a transaction cancellation process for canceling the transaction reserved in the deposit / withdrawal reservation process described with reference to the flowchart shown in FIG. 11, and then proceeds to step SF21. This transaction cancellation process is a process of transmitting data that prompts the teller terminal 1 and the cash processing card detector 32 to delete the transaction reservation information corresponding to the cash processing card 34, for example. In step SF21, the control part of ATM31 collect | recovers the cash processing card | curd 34 inserted from the card insertion slot not shown inside, and complete | finishes a series of processes.

  On the other hand, if the determination result in step SF14 is “NO”, that is, the total amount (count value) of the cash counted in the process of step SF13 is greater than or equal to the transaction amount constituting the transaction reservation information read in the process of step SF2. If there is, the control unit of the ATM 31 proceeds to step SF22. In step SF22, it is determined whether or not the total amount (count value) of the cash counted in the process of step SF13 is equal to the transaction amount constituting the transaction reservation information read in the process of step SF2. When the determination result is “YES”, the control unit of the ATM 31 proceeds to step SF21. That is, the control part of ATM31 judges that the payment was complete | finished as reserved by the customer 14, when a count value and transaction amount correspond.

  On the other hand, when the determination result in step SF22 is “NO”, that is, the total amount (count value) of the cash counted in the process in step SF13 is larger than the transaction amount constituting the transaction reservation information read in the process in step SF2. In this case, the control unit of the ATM 31 determines that it is change, returns to step SF4 shown in FIG. 13, and executes the above-described withdrawal process. That is, when the count value is larger than the transaction amount, the control unit of the ATM 31 determines that the customer 14 desires change. In this case, it is possible to pay change using a bar. Accordingly, the customer 14 can receive both transactions of sales proceeds and exchange of bar money withdrawal or partial refund of bar money in a single procedure.

  As described above, according to this embodiment, cash is deposited / withdrawn at the ATM 31 and is not handled directly by the teller 13. For this reason, the teller 13 does not have to be careful not to lose cash or miscount, and the mental burden is reduced. On the other hand, the financial institution does not need to pay attention to the loss of cash, theft or misappropriation of cash by the teller 13, and no extra cost. Furthermore, when the teller 13 performs the deposit process for the customer 14 in the window business, it is not necessary to count the cash to be deposited, so even if a large amount of cash is deposited, the processing time per customer is reduced. This makes it possible to efficiently perform the window service without waiting for other customers.

  Further, according to this embodiment, when the customer 14 tries to leave the business store without using the cash processing card 34 to deposit or withdraw money at the ATM 31, the cash processing card detector 32 will indicate that. It detects and transmits a card detection signal to the acceptance controller 6, and the acceptance controller 6 notifies that fact. Therefore, it is possible to prevent the customer 14 from leaving the business store by mistake without depositing or withdrawing money. Furthermore, according to this embodiment, in the case of a withdrawal process or a deposit process, if the input amount is larger than the transaction amount, it is possible to select withdrawal with a bar. Therefore, it is convenient for the customer 14 who needs change such as a retail store.

The embodiment has been described in detail with reference to the drawings. However, the specific configuration is not limited to the embodiment, and there are design changes and the like without departing from the scope of the invention. Are also included in the present invention.
For example, in the above-described first embodiment, the cash depositing machine 4 literally handles only cash deposits. However, the present invention is not limited to this. good. For example, when displaying cash counting results (number of denominations and total amount, etc.) on the display unit in the process of step SB6 shown in FIG. indicate. When the customer 14 selects partial withdrawal by bar, the result of subtracting the partial withdrawal amount from the counting result in the process of step SB5 is used as the calling number in the process of step SB8 as a new counting result. In addition to storing them in a predetermined storage area of the storage unit, the receipt receipt 16 is issued with the calling number, the total amount after the partial withdrawal amount by the bar is reduced in the process of step SB9.
Moreover, in the above-mentioned Embodiment 1, although the teller terminal 1, the reception control machine 6, and the cash deposit machine 4 performed the deposit process shown in FIG. 6, it was not limited to this, The said deposit process is Only the teller terminal 1 and the cash deposit machine 4 execute, that is, the teller terminal 1 may directly access the cash deposit machine 4 and request the deposit information.

Further, in the above-described second embodiment, in the process of step SE4 shown in FIG. 12, an example in which the cash processing card 34 is simply taken out of the store is shown, but the present invention is not limited to this, and the reception controller 6 You may comprise so that the door of the entrance / exit of a business store may be locked immediately after receiving a card detection signal. Further, after the predetermined time has elapsed, the function of the cash processing card 34 taken out may be invalidated, and the window transaction performed previously may be invalidated (invalidation process).
Further, in the above-described second embodiment, in the processing of step SF9 shown in FIG. 13 and the processing of step SF21 shown in FIG. However, the present invention is not limited to this. The cash processing card 34 is stored again in a predetermined storage area of the IC constituting the cash processing card 34, such as storing information indicating that the processing has been completed or deleting the transaction reservation information. You may comprise so that a deposit / withdrawal transaction (especially withdrawal transaction) cannot be performed even if it inserts in ATM31 (disabling process).

  In the above-described second embodiment, as shown in FIGS. 8 and 9, an example in which one ATM 31 is provided has been described. However, the present invention is not limited to this, and a plurality of ATM 31 may be provided. Furthermore, in above-mentioned Embodiment 2, although ATM31 showed the example which also has a normal cash deposit / withdrawal transaction function, it is not limited to this, It demonstrates with reference to the flowchart shown in FIG.13 and FIG.14. It is good also as having only the function of the cash deposit / withdrawal processing. In this case, an ATM having a normal cash deposit / withdrawal transaction function and an ATM having a cash deposit / withdrawal transaction function according to the second embodiment are arranged in the business store.

  Further, in each of the above-described embodiments, one number tag ticketing machine 5 is provided, and a call number whose value is incremented by 1 each time the customer 14 pulls out the number tag 17 is printed on the number tag 17. Although an example has been shown in which a part of the number tag discharge port 5a hangs down from the number tag discharge port 5a, the present invention is not limited to this. For example, a plurality of number tag issuing machines 5 may be provided, and the call number printed by them may be managed by the reception controller 6 so that the number tag 17 printed with the same call number is not issued. Moreover, you may comprise so that the number tag 17 in which one number tag ticketing machine was printed beforehand may be issued.

  In each of the above-described embodiments, the number tag 17 is made of paper. However, the number tag 17 is not limited to this, and may be an information storage medium. Information storage media include, for example, those in which a magnetic stripe is affixed to a plastic card in the same manner as a cash card, an IC card similar to the cash processing card 34 described above, or a bar code printed together with a call number. . In this case, the information includes not only the call number described above but also the name and account number of the customer 14. This type of information storage medium is lent to each customer 14, and the calling number is stored by inserting the information storage medium into the cash deposit machine 4 when inserted into the number tag issuing machine when visiting the store. Then, the deposit procedure is performed (in the case of the first embodiment described above). For details of the information storage medium, see, for example, Japanese Patent Laid-Open No. 2001-357203. If comprised in this way, since it is not necessary for a customer to operate the operation part of the cash deposit machine 4 in the case of a preceding deposit procedure, there exists convenience.

  In addition, each of the above-described embodiments can divert each other's technology as long as there is no particular contradiction or problem in its purpose and configuration. For example, the first embodiment and the second embodiment are combined so that the customer 14 can appropriately select the advance deposit in the cash deposit machine 4 and the automatic deposit and withdrawal by the cash processing card 34 and the ATM 31 after the window transaction. May be.

It is a block diagram which shows the structure of the window transaction system which is Embodiment 1 of this invention. It is a schematic top view of a business store of a financial institution in which a part of the window transaction system is installed. It is a figure which shows schematic structure and an example of arrangement | positioning of a teller terminal. It is a flowchart which shows the ticketing process of a number tag issuing machine. It is a flowchart which shows the cash reception process of a cash deposit machine. It is a flowchart which shows the payment process of a teller terminal, a reception control machine, and a cash payment machine. It is a figure which shows an example of the display screen of a number tag issuing machine. It is a block diagram which shows the structure of the window transaction system which is Embodiment 2 of this invention. It is a schematic top view of the sales store of the financial institution in which a part of window transaction system was installed. It is a figure which shows schematic structure and an example of arrangement | positioning of a teller terminal. It is a flowchart which shows the deposit / withdrawal reservation process of a teller terminal. It is a flowchart which shows the card monitoring process of a reception controller. It is a flowchart which shows the cash deposit process of ATM. It is a flowchart which shows the cash deposit process of ATM. It is a figure which shows an example of the display screen of ATM.

Explanation of symbols

1,1 ₁ to ₁₅ 5Teller terminal, 2 Passbook slip printer, 2a Passbook insertion slot, 3,3 ₁ , 3 ₂ number display machine, 4,4 ₁ , 4 ₂ cash deposit machine, 5 number tag issuing machine, 5a number Tag outlet, 6 Reception controller, 7 Gateway, 8 Network, 9 Communication line, 10 Host computer, 11 Low counter, 12 High counter, 13, 13 _{1 to} 13 ₅ Teller, 14, 14 ₁ , 14 ₂ Customer, 15 Sofa, 16 Receipt Receipt, 17 Number Tag, 18 Book Stand, 19 Voucher Shelf, 21 Teller Terminal Body, 22 Teller Terminal Display Unit, 23 Teller Terminal Operation Unit, 31 ATM, 32, 32 _{1 to} 32 ₃ Cash Processing Card Detector , 33 Cash processing card issuing machine, 34 Cash processing card.

Claims (8)

A cash deposit machine that counts the inserted cash and holds it inside, and discharges the recording medium that records the cash counting result,
A window transaction system that performs a definite deposit process of the cash based on the counting result recorded on the recording medium. Cash that counts the inserted cash, holds it inside, stores the cash counting result in association with reception information indicating that the cash has been received, and discharges the recording medium on which the reception information is recorded A deposit machine,
A teller terminal that accesses the cash deposit machine based on the reception information recorded on the recording medium and performs a definite deposit process of the cash based on the counting result supplied from the cash deposit machine. A window trading system characterized by having.   The window transaction system according to claim 1 or 2, wherein the cash deposit machine returns a part of the cash with a bar. A cash processing card issuing machine for issuing a cash processing card storing transaction reservation information related to a deposit / withdrawal transaction reserved by a customer;
A counter transaction system comprising: an automatic cash transaction apparatus that performs a cash deposit / withdrawal transaction based on the transaction reservation information read from the inserted cash processing card.   The said cash automatic transaction apparatus collects the said cash processing card | curd inside after the said deposit / withdrawal transaction, or makes the said cash processing card unusable.   6. The window transaction system according to claim 4, wherein when the cash processing card approaches a predetermined distance, it is detected and an alarm is issued.   The window transaction system according to any one of claims 4 to 6, wherein a function of the cash processing card is invalidated after a predetermined time has elapsed since it was issued. A window transaction program for causing a computer to realize the function according to any one of claims 1 to 7.

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